Products
Each version publishes the parameters its rules read. A value here is the one at adoption; the bank may change it by a setting without a new version. A rule here is code, and a change to it is a new version.
| Version | Family | Parameter | Scope | Kind | Published |
|---|---|---|---|---|---|
easyaccess/v1 |
Savings | rate_bps |
version | bps | 150 |
cycle |
version | cycle | monthly | ||
easyaccess/v2 |
Savings | savings_rate_bps |
bank | bps | read from the bank's policy |
rate_bps |
version | bps | derived: savings_rate_bps − 15 bps, floor 0 |
||
cycle |
version | cycle | monthly | ||
fixedterm/v1 |
Savings | rate_bps |
version | bps | 400 |
cycle |
version | cycle | monthly | ||
term_months |
version | int | 24 | ||
maturity_day |
account | day | set at open: the open day plus the term | ||
isa/v1 |
Savings | rate_bps |
version | bps | 350 |
cycle |
version | cycle | monthly | ||
allowance |
version | money | 2000000 | ||
deposited |
account | money | 0 at open; every deposit adds to it | ||
personalloan/v1 |
Lending | rate_bps |
version | bps | 690 |
cycle |
version | cycle | monthly | ||
mortgage/v1 |
Lending | rate_bps |
version | bps | 450 |
cycle |
version | cycle | monthly | ||
overdraft/v1 |
Lending | rate_bps |
version | bps | 1590 |
cycle |
version | cycle | monthly | ||
limit |
version | money | 100000 |
Rules of their own
| Version | Event | Rule |
|---|---|---|
fixedterm/v1 |
open | writes maturity_day |
fixedterm/v1 |
pre-posting | refuses a withdrawal before maturity_day |
isa/v1 |
open | writes deposited = 0 |
isa/v1 |
pre-posting | refuses a deposit that would take deposited over allowance; a withdrawal does not restore it |
isa/v1 |
post-posting | adds a deposit to deposited |
overdraft/v1 |
pre-posting | refuses a movement that would take the balance above limit: overdrawn is a debit balance |
Every version otherwise runs gbp.Interest: interest accrues daily on
the closing balance at rate_bps, actual/365, exact; when the cycle
period ends the whole pence are applied by a posting value-dated the last
second of that day and the remainder carries forward; apply-interest,
close and change of version apply the accrual to date.
Goldens
Each version's package holds its golden .goluca files under testdata,
posted in the bank's view (gobank ADR-0008): a movement is from the
account credited to the account debited. A deposit is from the customer's
account to Asset:Cash and a withdrawal or drawdown the other way about,
so a savings balance runs negative and a loan positive; a current account
drawn past zero runs positive, overdrawn. Interest applied is a posting
from Expense:Interest of a negative amount for savings and from
Income:Interest of a positive one for lending. The savings goldens are
byte-identical to the ones the retired feature framework produced; the
lending goldens were regenerated in the bank's view, the framework's
overdraft having run the customer's way.