credit-realizable-value
description (verbatim frontmatter)
Typed, pure-function calculator that makes the operator's standing rule executable: "vendor credits at realizable value, never face value" (plugins/cwc-finance/memory/v2/directives/ core.md, verbatim). A CreditGrant {vendor, face_value, expiry_months, monthly_cap, eligible_spend_forecast_monthly} resolves to realizable_value = min over the binding constraints (face ceiling, cap x expiry window, honest usage forecast x expiry window), with a per-constraint explanation string so the output SHOWS which term binds, plus a booking-line renderer ("book min(credit, real usage)"). Use when the user asks "what's this credit actually worth", "book this vendor credit", "realizable value", "credit reality check", or before any credit number enters a ledger, plan, or application. Do NOT use to approve the spend the credit offsets (sibling spend-tracking owns the spend_commit gate), to fetch or guess a vendor's terms (per the rule, no credit number enters the ledger without its terms page fetched and dated — this calculator consumes those terms, it never invents them), or as a revenue signal (startup-finance: "monetization-ready" is not revenue).
summary
Typed, pure-function calculator that makes the operator's standing rule executable: "vendor credits at realizable value, never face value" (plugins/cwc-finance/memory/v2/directives/ core.md, verbatim).
source
plugins/cwc-finance/skills/credit-realizable-value/SKILL.md
provenance
created 2026-07-10 18:13:13 · JSON