CAP-082 — Interest Offset Calculation

Category	Credit & structured products
Business goal	Not yet linked to a business goal
Satisfying module	MOD-003
Mode	CALC
BD owner	BD06 Payments · BD05 Credit
Human needed	No

Reads the real-time balance of a linked deposit account and applies it as an offset against the outstanding loan principal before calculating daily interest. Reduces the effective interest charged without requiring a formal repayment, supporting mortgage offset structures.