nx_fin_finance.nx

nx_fin_finance.nx -- R7 (financing-cost optimizer) of THE NISHI FINANCIAL ECOSYSTEM: find AFFORDABLE funding by ranking options on TRUE TOTAL COST + screening RISK. Operator's crisis: the US system isn't offering an affordable rate; the answer is NOT a fantasy "cheap international loan" (that space is mostly ADVANCE-FEE FRAUD), it is (1) exact apples-to-apples total-cost ranking of REAL options (credit unions, CDFIs, balance transfers, debt-management plans, member/microfinance) and (2) a SCAM/PREDATORY shield. TRUE COST (#11 no magic, exact no-float via nx_debt amortization): an option's cost = origination fee + total interest to pay off `balance` at `payment`/month. Headline APR alone is a LIE -- fees + term decide the real cost; this compares them honestly on ONE scenario. RISK (the never-brick analog #26: the system must NEVER lead a desperate borrower into a scam): flags ADVANCE_FEE (lender demands money BEFORE disbursing -> the #1 loan-scam tell; a real lender never does) PREDATORY (APR above the usury line -- payday/loan-shark territory) UNLICENSED (no recognized regulator -- offshore/"international" cold-offers) An option carrying ADVANCE_FEE or UNLICENSED is EXCLUDED from ranking even if its ADVERTISED rate is the lowest -- the scam's bait rate must never win. Data-driven: options + the usury line are DATA (any lender, any country). No floats, no hardware writes, no auto-apply (emit ranking; the operator decides). license_tier: ORIGINAL