Free · Open Source · Zero PII · Zero Install
Fintech Tools for Payments Professionals
100 browser-based tools for payments engineers, ops teams, treasury analysts, and compliance professionals — designed and built by Post Oak Labs. No install. No server. Nothing leaves your browser.
100
Total Tools
7
Rule-Based Engines
0
API Calls
0
PII Collected
CC 4.0
Open Source
All processing in your browser · No data transmitted · No accounts needed
01
Core Infrastructure
9 toolsTool 01→
A2A Fee Calculator + Route Optimizer
Input your payment volume and cost structure to compare A2A costs across FedNow, RTP, Same-Day ACH, Next-Day ACH, and SEPA Instant. Generates a print-ready executive ROI report with projected annual savings.
Tool 02→
ISO 20022 Message Builder + Pilot Brief
Build and validate ISO 20022 XML messages including pain.001, pain.008, pacs.008, pacs.004, camt.053, and camt.056. Generates a plain-English pilot brief alongside the XML.
Tool 09→
A2A Reconciliation Workbench
Reconcile A2A payment batches against invoice ledgers using three-pass matching: exact amount, fuzzy reference, and date proximity. Generates structured exception reports and aging buckets.
Tool 12→
A2A Fee Benchmarking Report Builder
Input your current payment volume and cost structure, and generate a print-ready executive report comparing your costs against FedNow, RTP, Same-Day ACH, and Next-Day ACH alternatives with ROI projections.
Tool 15→
Synthetic A2A Test Data Generator
Generate up to 10,000 realistic synthetic A2A payment records with deterministic seed control — realistic transaction IDs, routing numbers, timestamps, return codes, and configurable failure patterns. Export as CSV or JSON.
Tool 51→
VDCAP Payload Auditor & Card Fee Optimizer
Paste a CNP payment payload and audit it against Visa's April 2026 VDCAP requirements. Detect missing Network Token, IP address, and Device ID fields, estimate annual fee savings at your processing volume, validate 3DS 2.x flags, and decode ISO 8583 bitmaps — all in-browser. Zero PII.
Tool 77→
ISO 20022 Data Truncation & Address Auditor
Detect "silent data loss" in MX payloads before they hit legacy systems. Paste any pacs.008 or ISO 20022 MX message to identify XML elements exceeding legacy MT character limits (35/70 chars) and audit postal addresses against the mandatory November 2026 SWIFT/EPC structured address standard. Flags addresses that will be rejected post-deadline. Exports a JSON risk report and Markdown remediation checklist. Zero PII — all parsing runs in your browser.
Tool 81→
ISO 20022 Migration Navigator
Five-stage compliance workflow for the November 2026 SWIFT CBPR+ structured address mandate. Audit MX payloads for truncation risk, parse unstructured addresses to the mandatory PostalAddress schema, score rail options for November readiness, model liquidity impact, and export a Markdown migration memo with AP2 JSON. Zero PII — all parsing runs in-browser.
Tool 82→
A2A Rail Optimization Command Center
Five-stage strategic rail selection framework: score FedNow, RTP, Same-Day ACH, SEPA Instant, and SWIFT gpi against your use case, model all-in costs, quantify liquidity impact, map compliance obligations, and export a Nygard ADR with NPV/IRR business case. Synthesises eight upstream tools into a single board-ready decision output. Client-side. Zero PII.
02
Compliance & Consent
6 toolsTool 03→
Consent Simulator + Compliance Auditor
Simulate open banking consent flows and audit them against UK Open Banking, CFPB 1033, and EU PSD2 requirements. Identifies compliance gaps with structured remediation output.
Tool 07→
ACH / NACHA File Validator + Return Code Decoder
Validate NACHA-format ACH files, verify routing numbers with ABA check digit validation, decode all return and NOC codes, and check SEC code compliance. NACHA 2023 spec embedded.
Tool 11→
VRP Mandate Builder + SEPA Validator
Build UK Commercial VRP mandates with configurable parameters and validate SEPA credit transfers client-side. Includes MOD-97 IBAN check, BIC structural validation, and pain.001 XML generation.
Tool 17→
Instant Payment Limits Reference + Rail Comparator
Searchable, filterable reference for transaction limits, cut-off times, availability, and regulatory rules across FedNow, RTP, ACH, Faster Payments, SEPA Instant, PIX, UPI, PayID, and Zengin. Compare any combination side-by-side.
Tool 20→
A2A Payment Failure Analyser + RCA Generator
Paste a list of NACHA return codes or open banking error codes and receive a structured root-cause analysis report — failure clustering by category, trend identification, and a prioritised remediation plan. Zero PII.
Tool 88→
Compliance Readiness Assessment
Select your jurisdiction(s), entity type, and product category to generate a gap analysis table against PSD3, MiCA, FinCEN AML, SAMA, CBUAE, and MAS regulatory frameworks. Each requirement returns a PASS / PARTIAL / FAIL posture with a prioritised remediation checklist. Client-side, zero PII. Exports Markdown compliance memo and AP2 JSON.
03
Fraud & Risk
8 toolsTool 04→
Fraud Score Simulator + Explainability Panel
Simulate ML-style fraud scoring on synthetic payment transactions with configurable feature weights and a SHAP-style explainability panel. Generates SAR-ready narrative export.
Tool 05→
Invoice-to-A2A Tooling Suite
Parse invoices into Pay-by-Bank links and reconcile A2A payments against invoice ledgers. Three integrated tools: link generator, reconciliation workbench, and aging report. New: Rule Sandbox mode — author custom AML velocity rules, configure FATF country risk flags, and measure rule effectiveness (TPR, FPR, F1 score).
Tool 06→
FedNow Participant Lookup + Coverage Stats
Search all 1,700+ FedNow participants by institution name, city, state, or routing number. Coverage analysis, DDA penetration estimates, and CSV export. Data sourced from frbservices.org.
Tool 18→
A2A Compliance Checklist Generator
Generate jurisdiction-specific compliance checklists for A2A product launches. Configure by market (US, UK, EU, Brazil, India, Australia) and product type to receive a structured checklist covering licensing, AML/KYC, data privacy, and consumer protection.
Tool 43→
Batch Payment File Validator + Sanctions Screening
Validate NACHA, ISO 20022, SEPA, and SWIFT MT batch files entirely in-browser. Entry-by-entry error table with severity classification and synthetic ACK/NACK generation. Integrated sanctions name screening with Levenshtein, Jaro-Winkler, Soundex, and token bigram algorithms — all client-side, zero PII.
Tool 37→
BIN / IIN Intelligence Workbench
Decode Bank Identification Numbers without an API key. Luhn-validate PANs, identify network (Visa, MC, Amex, Discover, UnionPay, JCB, Mir), infer card type (credit / debit / prepaid), flag likely SCA applicability for EU issuers, and map to interchange tier. Batch-process a CSV column of PANs — full PANs are truncated to BIN immediately in-browser. Zero PII leaves the tab.
Tool 41→
Chargeback Representment Builder + Evidence Optimizer
Build chargeback representment packages for Visa, Mastercard, Amex, and Discover. Reason code intelligence engine with CE 3.0 compliance checker, dynamic evidence checklist generator, win-probability estimator, and auto-generated representment letter templates. Batch mode prioritises disputes by ROI. Export evidence bundle or PDF.
Tool 80→
Payment Fraud Investigation Decision Lab
Five-stage end-to-end fraud investigation workflow — from NACHA/ISO 20022 intake and sanctions screening through BIN/FedNow entity intelligence, automated risk scoring with AML rule evaluation, jurisdiction-specific compliance mapping, to a FinCEN-ready SAR narrative and chargeback package. NACHA March 2026 fraud rules embedded. All logic is rule-based and in-browser.
04
Ops & Monitoring
9 toolsTool 08→
Pay-by-Bank Checkout Prototyper
Prototype open banking pay-by-bank checkout flows with configurable UX patterns, bank selection UI, and consent screens. Generates conversion insight metrics for A/B comparison.
Tool 13→
Payment Journey Mapper + Failure Points Overlay
Visualize end-to-end payment flows for FedNow, ACH, UK Open Banking, and SEPA Instant — from origination through settlement. Toggle a failure-points overlay to expose failure modes and mitigations at each step.
Tool 14→
Real-Time Ops Dashboard Template
A configurable mock real-time A2A payments operations dashboard. Monitor simulated FedNow, RTP, ACH, and SEPA Instant SLAs, latency percentiles, transactions per minute, and failure rates with configurable alert thresholds.
Tool 21→
Emerging Market A2A Corridor Cheat Sheet
Instant-access structured reference for 30+ emerging market payment corridors — covering rail availability, FX volatility tiers, regulatory risk ratings, typical settlement times, and recommended A2A approach. Filter by region, risk tier, or rail type. Export as CSV.
Tool 22→
Payment Decline Code Decoder & Recovery Guide
Look up any card or A2A payment decline code across Visa, Mastercard, NACHA, SEPA, and FedNow. Each entry includes the plain-English reason, whether to retry, recommended recovery action, and whether the issue is issuer-side, network-side, or originator-side.
Tool 40→
Payment Operations Incident Response Runbook Builder
Wizard-driven generator for jurisdiction-specific incident response runbooks. OCC 36hr, GDPR 72hr, DORA 4hr countdown timers, P1–P4 severity classifier, role assignment matrix, communication templates, and tabletop exercise scenarios. Export as Markdown.
Tool 78→
Smart Routing Advisor — Payment Rail Decision Engine
7-step wizard that recommends the optimal payment rail for your scenario. Scores ACH Same-Day/Next-Day, FedNow, RTP, Fedwire, SWIFT, SEPA Instant/CT, UK Faster Payments, PIX, and UPI on speed, cost, finality, reach, and revocability — with configurable priority weighting. Generates a scored comparison matrix, settlement timeline chart, and a board-ready decision rationale memo. All logic is rule-based, in-browser. Zero PII. Exports CSV, Markdown, and AP2 JSON.
Tool 84→
A2A Real-Time Migration Lab
Five-stage operational playbook for migrating payment flows to real-time A2A rails — FedNow, RTP, or open-banking VRP. From cost baseline and rail scoring through liquidity modelling, compliance gating, synthetic test data generation, and a board-ready go-live playbook with six-phase implementation checklist. Entirely client-side. Zero PII.
05
Open Banking & APIs
13 toolsTool 10→
Open Banking API Explorer + Rate Limit Simulator
Browse and edit mock UK Open Banking v3.1 and CFPB 1033/FDX API responses across 10 endpoint types. Simulate 429 rate limit throttling and generate retry code in JavaScript or Python.
Tool 16→
IBAN Validator + BIC Lookup + SEPA Reachability
Validate IBANs using the full MOD-97 algorithm with country-specific length checks, validate BIC structural format, and verify SEPA reachability. Batch CSV mode for bulk validation.
Tool 91→
Open Banking Consent & Permission Dashboard Builder
Design, preview, and validate customer-facing Open Banking consent dashboards across UK OBIE, EU PSD3/PSR, and US CFPB 1033. Configure account scopes, TPP identity, data clusters, and access duration — then generate a live dashboard preview and jurisdiction-specific compliance checklist. Export to SVG, Markdown, or JSON. Zero PII.
Tool 92→
SCA Exemption & Consent Scope Mapper
Three engines in one: deterministic SCA exemption eligibility under EBA RTS 2023 and UK FCA guidance; consent scope translation across UK OB v3.1, EU PSD3, AU CDR, and US CFPB 1033/FDX; and FAPI 1.0/2.0 JWT payload generation via browser-native WebCrypto. Zero network transit, zero PII.
Tool 93→
VRP Mandate & Sweep Logic Builder
Design Variable Recurring Payment mandates in Sweeping or Commercial mode, stress-test hard limits against billing cadences, and simulate sweep algorithms with a deterministic day-by-day SVG visualizer. Outputs OBIE v3.1.10 and FDX v5.2 compliant JSON payloads — entirely browser-side, zero PII.
Tool 94→
Open Banking Transaction Visualizer & Ledger
Paste a raw Open Banking API response — UK OBReadTransaction6 or FDX v5 format — and instantly see a sortable ledger, inflow/outflow breakdown, MCC merchant categories, running balance chart, and schema sanity checks. Nothing leaves your browser.
Tool 95→
Open Banking Payment Corridor Optimizer
Select an origin and destination, enter transaction amount and constraints, and get a ranked comparison of A2A payment rails — FedNow, SEPA Instant, SWIFT gpi, Faster Payments, RTP, ACH, PIX, UPI, and more — scored by cost, speed, and compliance. All fee and timeline data embedded as static reference tables. Zero PII.
Tool 96→
Open Banking Consent Receipt Generator + Validator
Generate standardized, machine-readable consent receipt artifacts for UK OBIE v3.1, EU PSD2/PSD3 (Berlin Group), and US CFPB 1033/FDX. Validate existing receipts against schema rules. Export as JSON, human-readable memo, or audit trail — entirely in your browser. Zero PII.
Tool 97→
FAPI Security Header & Compliance Validator
Paste raw HTTP response headers or an authorization request URL and instantly validate against FAPI 1.0 Read-Write, FAPI 2.0 Security Profile, UK OB Security Profile, PSD2 RTS Article 98, and Berlin Group NextGenPSD2. Outputs a pass/fail report with remediation guidance. Client-side only — no credentials leave your browser.
Tool 98→
ISO 20022 Message Validator + Field Explorer
Validate pacs.008, pain.001, camt.053, and 20+ ISO 20022 message types against embedded schema rules. Parse every field with its business meaning, run batch validation up to 50 messages, and explore the full field path dictionary — entirely in your browser. Zero PII.
Tool 100→
DORA Operational Resilience Auditor
Score your institution's DORA compliance posture across all five pillars: ICT risk management, incident reporting, TLPT readiness, third-party ICT risk, and information sharing. Auto-generates a gap analysis table with article references and remediation notes. Export as Markdown or AP2 JSON. Client-side. Zero PII.
Tool 101→
ISO 20022 Migration Readiness Scorer
Score your bank or PSP's ISO 20022 migration readiness across 7 dimensions: data mapping, core systems, testing, operations, compliance, counterparty readiness, and governance. Exports a board-ready gap memo and 90-day action plan. Companion to the ISO 20022 Message Validator. Client-side. Zero PII.
Tool 102→
AP2 Agentic Payments Compatibility Checker
Validate whether your payment flow meets AP2 agentic payments standards. Check agent verification, consent scope, payload structure, and settlement rail compatibility. Paste an AP2 JSON payload for field-level validation, or use the manual checklist. Generates a compatibility score and AP2 JSON scaffold. Client-side. Zero PII.
Open Banking & API Integration Hub · 13 Tools Unlocked
Open Banking & API Integration Hub
All 10 Cat-5 tools are now live as a unified developer onboarding suite — covering ISO 20022 message validation, consent scope mapping, SCA exemption logic, FAPI 1.0/2.0 payload generation, VRP mandate building, IBAN/BIC validation, and API exploration. One guide. Every open banking workflow. PSD3 · CFPB 1033 · UK OB · FAPI · SEPA.
ISO 20022 · CBPR+
PSD3 · CFPB 1033
FAPI 1.0 / 2.0
Zero PII · Client-Side
Open the Hub →
Treasury & Liquidity Management Hub · 19 Tools Unlocked
Treasury, Strategy & Revenue Hub
All 15 Cat-6 tools now live as a unified CFO and treasury onboarding suite — covering cash flow forecasting, working capital cycle optimization, A2A liquidity simulation, FX hedge modeling, dynamic discounting, subscription dunning, and board memo generation. One guide. Every treasury decision. Client-side. Zero PII.
Basel III · FedNow · EU IPR
A2A · ACH · SEPA · Swift
AP2 JSON Export
Zero PII · Client-Side
Open the Hub →
06
Treasury, Strategy & Revenue
19 toolsTool 19→
Nostro/Vostro A2A ROI Memo Generator
Generate a ready-to-paste executive memo quantifying working capital savings of migrating from correspondent banking to tokenized A2A rails. Input volume, settlement days, and CB fee to receive a formatted memo with trapped capital estimate and fee savings projection.
Tool 23→
Cross-Border Corridor Savings Calculator
Calculate real cost savings of switching from SWIFT correspondent banking to A2A direct rails for a specific cross-border corridor. Enter send volume, current SWIFT fees, and FX spread to receive a projected annual saving and payback timeline.
Tool 24→
Subscription Churn Analyzer: Card vs. A2A/VRP
Quantify the ROI of migrating subscription payments from card-on-file to A2A / Variable Recurring Payments. Input subscriber count, ARPU, churn profile, and card failure rate assumptions to receive a plain-text ROI summary with recovered revenue projection.
Tool 25→
ISO 20022 Payment Reference Generator
Generate compliant ISO 20022 payment reference numbers, UETRs (RFC 4122 v4 UUIDs), end-to-end identifiers, and instruction IDs per CBPR+ and HVPS+ specifications. Batch generation with CSV export.
Tool 26→
APP Fraud Liability Decision Matrix
Model liability allocation for authorized push payment fraud across UK and EU regulatory frameworks. Configurable scenario inputs covering bank liability, consumer negligence, and reimbursement thresholds.
Tool 27→
A2A Settlement Finality Comparator
Compare settlement finality mechanics and risk exposure across RTGS, DNS, FedNow, RTP, SEPA Instant, and blockchain/tokenized rails. Includes legal finality vs. operational finality distinction per jurisdiction.
Tool 39→
A2A Liquidity Simulator — Single & Multi-Rail
Model intraday cash flow and prefunding requirements across FedNow, RTP, ACH, SEPA Instant, PIX, and UPI. Single-rail mode shows minute-by-minute balance charts, overdraft risk windows, and idle capital cost. Multi-rail mode optimises prefunding allocation with cross-rail waterfall routing.
Tool 47→
Options P&L Analyzer
Full Black-Scholes pricing engine with all five Greeks per leg and net position. Ten prebuilt strategies — Bull Call Spread, Iron Condor, Straddle, Strangle, Butterfly, and more. Interactive canvas payoff diagram with expiry and current-value curves, breakeven markers, and probability-of-profit calculation. Pure client-side math — no API.
Tool 42→
Cash Flow Forecaster & Liquidity Stress Lab
13-week rolling and 12-month cash flow workbench. Manual entry or CSV import. Stackable stress scenarios — delayed receivables, payroll spikes, tax payments, revenue shock — recalculate instantly. Configurable minimum-cash threshold flags runway warnings. Export CSV forecast, PDF board memo, or AP2 JSON.
Tool 45→
Subscription Dunning & Recovery Simulator
Model retry strategies, dunning sequences, and billing cadence for recurring payments. Simulate involuntary churn recovery across configurable synthetic cohorts — fixed-interval, exponential backoff, payday-aware, and payment method fallback. Export an AP2-compatible strategy mandate with board-ready revenue impact projections.
Tool 46→
Payment Investment ROI & Business Case Builder
Generate a CFO-ready executive memo for A2A migration, FedNow adoption, or ISO 20022 rollout. Input implementation costs, volume projections, and cost of capital — receive NPV, IRR, payback period, and three scenario analyses (base / optimistic / pessimistic). Comparison modes: card vs. A2A, ACH vs. real-time, build vs. buy. Export PDF or AP2 JSON.
Tool 76→
Cross-Border FX Hedge Optimizer & All-in Cost Simulator
Model all-in costs for cross-border B2B payments across four rails — SWIFT correspondent banking, fintech aggregators, stablecoin conduits, and tokenized A2A — with embedded corridor fee tables for 30+ currency pairs. Calculate FX exposure at risk, forward hedge breakevens, and natural hedge offsets. Generates a corridor-specific cost breakdown, annualized savings comparison, and a board-ready treasury memo. No market data APIs. Zero PII.
Tool 79→
Dynamic Discounting & Working Capital Optimizer
Evaluate whether paying supplier invoices early captures positive economic value. Enter discount terms (e.g. 2/10 net 30) to see the implied annualized return vs. your cost of capital. Portfolio mode ranks up to 20 invoices by return efficiency and greedily selects the optimal early-payment mix given a liquidity budget. Calculates DPO impact, foregone treasury yield, and net benefit. Exports a ranked invoice table and board-ready Markdown memo. Client-side. Zero PII.
Tool 89→
Working Capital Cycle Optimizer & CCC Stress Lab
Model the Cash Conversion Cycle (DSO + DIO − DPO) across AR/AP/Inventory aging ledgers.
Paste or upload CSV aging reports, run 1,000+ deterministic scenario permutations, and
project 30-day intraday cash gaps. Exports a CFO-ready Markdown memo, SVG waterfall chart,
and AP2 Policy Mandate JSON for TMS/ERP ingestion. Client-side. Zero PII.
Tool 103→
Payment Method Mix Optimizer
Calculate your Payment Method Health Score and optimize checkout economics across cards, A2A, BNPL, digital wallets, and ACH. The Rail Blending Optimizer recommends the exact mix for your merchant category and geography. Models Durbin routing savings, BNPL vs. card break-even, and demographic-driven conversion uplift. Client-side. Zero PII.
Tool 104→
Receivables DSO & Collections Optimizer
Enter your AR aging buckets and get a ranked action plan showing which collection levers reduce DSO fastest and how much cash each releases. Models early-pay discounts, rail migration to RTP, dunning tightening, and factoring thresholds across three scenarios. Exports a board memo and AP2 JSON. Client-side. Zero PII.
Tool 105→
Cross-Border FX Netting Simulator
Simulate multilateral FX netting across up to 8 currencies. Enter payable and receivable exposures, apply spot and forward rates, and calculate your netting efficiency ratio, net settlement savings, and residual FX risk. Generates a bilateral netting matrix and hedge recommendation for open positions. Client-side. Zero PII.
Tool 106→
Treasury Float & Liquidity Forecasting Workbench
Model daily cash positions over a 13-week rolling horizon with business-day calendar adjustment for 30+ currencies. The Sweep Optimizer moves excess cash across up to 5 accounts respecting ACH, FedNow, SEPA Instant, and CHIPS cut-off times. Stress-test sliders recalculate the projected balance curve instantly. Exports a daily treasury action list and AP2 JSON. Client-side. Zero PII.
Tool 83→
Treasury Operations Decision Lab
Five-stage decision framework for treasury teams: model your revenue profile, optimise fee structures across A2A and card rails, stress-test float and FX strategies, quantify revenue leakage, and export a board-ready CFO treasury memo. Synthesises the A2A Fee Calculator, ClearCost Analyzer, Liquidity Simulator, and FX Hedge Optimizer into a unified output. Zero PII.
08
Reference & Decoder
1 toolFeatured Tool — Zero Network Calls
PayCode Decoder
Paste any payment code — ACH return code (R01–R85), ISO 20022 message type, SWIFT MT field tag, IBAN, BIC, UETR, SEPA code, ISO 4217 currency — and get an instant plain-English explanation with remediation guidance and contextual tool links. The full lookup library ships with the page. Nothing is ever transmitted to a server.
Open Decoder →
09
Card Economics
5 toolsTool 38→
ClearCost Card & A2A Payment Cost Analyzer
Merchant View compares Flat-Rate vs. Interchange-Plus vs. Cash Discount with animated donut charts. Professional View dissects MDR at the line-item level — interchange, assessment, processor markup — with downgrade scenarios, Durbin context, CEDP toggle, and A2A comparison bar. Visa and Mastercard 2025–2026 rates embedded.
Tool 44→
MCC Code Explorer & Risk Profiler
Searchable, filterable reference for 340+ Merchant Category Codes from ISO 18245. Filter by risk tier (Low / Medium / High / Prohibited), network flags, NAICS industry group, and registration requirements. Click any row for a full detail drawer: Visa/Mastercard rules, chargeback thresholds, SIC/NAICS cross-references, and Durbin Amendment eligibility.
Tool 52→
Interchange Fee Optimizer
Model U.S. interchange fees across Visa, Mastercard, Amex, and Discover. Compare flat-rate vs. interchange-plus vs. tiered pricing. Calculate Level 2/3 savings, PIN debit routing, and A2A migration ROI. Client-side. Zero PII.
Tool 85→
Merchant Card Economics Optimizer
Four-stage merchant card cost analysis and optimization framework. Model blended interchange rate, map MCC risk and category, identify routing and surcharging savings, audit VDCAP April 2026 authentication compliance across all six required fields, and generate a board-ready CFO optimization memo — all client-side, zero PII. Visa and Mastercard 2025–2026 rates embedded.
07
ESG & Sustainable Finance
2 toolsTool 49→
Portfolio Financed Emissions Calculator (PCAF)
PCAF-aligned calculator for portfolio financed emissions across all seven PCAF asset classes — Listed Equity, Corporate Bonds, Business Loans, Commercial Real Estate, Mortgages, Motor Vehicle Loans, and Project Finance. Attribution formula: Financed Emissions = (Outstanding Amount / Company Value) × Company Emissions. Outputs Scope 1/2/3 breakdown, PCAF Data Quality Score, and scenario rebalancing model. Exports SFDR/CSRD-ready summary and AP2 JSON.
Tool 50→
Trade Finance Document & Letter of Credit Analyser
Client-side parser for Letters of Credit, SWIFT MT700, and Incoterms 2020. Validates UCP 600 fields, decodes MT700 tags to plain English, and flags common LC discrepancies. Export discrepancy report as Markdown.
Open Wealth Architecture Hub · 3 Tools Live · Portable Scenario State
Open Wealth Architecture Hub
Browser-based wealth planning and retirement modeling suite. Monte Carlo FIRE simulator, personal finance life modeling, and startup runway analysis — all linked by a Portable Scenario State system that carries your numbers across tools and lets you share them as a single code. No accounts. No uploads. Everything local.
FIRE · Retirement
Monte Carlo Engine
Portable Scenario State
Zero PII · Client-Side
Open the Hub →
10
Personal Finance
3 toolsTool 48→
Personal Finance Life Simulator
Browser-based financial future modeler — no server, no PII. Input income, expenses, savings rate, investment allocation, debt, and tax bracket. Simulate net worth over time, compare save-more vs. pay-debt-first scenarios, model snowball vs. avalanche debt payoff, and project 401(k)/IRA retirement balances. All projections are illustrative. Export CSV or plain-language summary memo.
Tool 87→
Startup Survival — Runway & Trajectory Simulator
Input monthly revenue, burn rate, cash balance, and growth assumptions to get a real-time SVG trajectory chart showing your current cash curve vs. an optimised scenario. Displays your death date, survival probability across three scenarios (Conservative / Base / Optimistic), and a Markdown runway report ready to share with your board or investors. Client-side. Zero PII.
Tool 107→
Monte Carlo FIRE Trajectory Simulator
Run 1,000+ market scenarios in your browser to find the true probability your retirement portfolio survives. Uses a parametric Monte Carlo model with Box-Muller sampling — not a static linear calculator. Outputs a probability cone, success rate, and Sequence of Returns Risk overlay. Save as a shareable Scenario Code via the Portable Scenario State system. Zero API. Zero PII.
DLT & Tokenization Integration Hub · 22 Tools Unlocked
DLT & Tokenization Integration Hub
All 21 Cat-11 tools are now live as a unified enterprise DLT onboarding suite — covering CBDC architecture, smart contract validation, DvP reconciliation, chain configuration auditing, settlement finality, privacy topology, node modelling, guardrail building, and stablecoin reserve stress testing. One guide. Every permissioned chain workflow. Corda · Fabric · Besu · Canton · CBDC.
Corda · Fabric · Besu · Canton
CBDC · wCBDC
ERC-3643 · ERC-1400
Zero PII · Client-Side
Open the Hub →
11
DLT & Tokenization
22 toolsTool 53→
CBDC Architecture Comparator
Compare CBDC architectural choices across three canonical design axes: distribution model, claim type, and access scope. Map to live jurisdictional implementations. Client-side. Zero PII.
Tool 54→
Smart Contract Parameter Validator
Client-side static analysis for Corda CorDapp and Hyperledger Fabric chaincode. Rule-based validation of settlement finality conditions, obligation logic, endorsement policies, and counterparty clauses. Air-gapped. Zero PII.
Tool 55→
DvP Reconciliation Engine
Three-pass delivery-versus-payment reconciliation for tokenized asset settlement. Match on-chain transfer events against off-chain cash ledger. Flags exceptions: delivered without payment, paid without delivery, timing mismatch, and amount mismatch. Client-side. Zero PII.
Tool 56→
Permissioned Chain Config Auditor
Client-side audit of Hyperledger Fabric configtx.yaml and Besu genesis.json. Checks endorsement policy completeness, MSP cert windows, Raft/QBFT quorum, PDC scoping, and Tessera deprecation status. Air-gapped. Zero PII.
Tool 57→
ISO 20022 ↔ DLT Flow Mapper
Static reference mapping from ISO 20022 message fields (pain.001, pacs.008, pacs.004, camt.053, camt.056) to DLT parameters on Corda, Fabric, and Besu. Highlights interoperability gaps and generates translation stub code. Client-side. Zero PII.
Tool 58→
CBDC Interop Scenario Modeler
Model atomic settlement, PvP, and failure scenarios between mBridge, Digital Euro, Project Dunbar, SAMA/CBUAE, Corda, Canton, and Besu platforms. Template-driven scenario narrative and AP2 audit artifact. Client-side. Zero PII.
Tool 59→
Fabric Ops Console
Enterprise Hyperledger Fabric settlement verifier. Paste peer channel fetch output (block/transaction JSON) to browse blocks, view transaction detail, inspect chaincode invocation history, and decode channel config. Air-gapped. Zero PII.
Tool 63→
Tokenized Asset Compliance Pre-Checker
Static analysis of ERC-3643 (T-REX) and ERC-1400 token contract metadata JSON. Checks identityRegistry, compliance contract, claimTopic list, forced transfer, recovery address, partition restrictions, and jurisdictional compliance matrix (ESMA/SEC/SAMA/MAS). Client-side. Zero PII.
Tool 64→
Chain Privacy Topology Visualizer
Visualize Hyperledger Fabric PDC topology and Canton sub-transaction privacy models. Parse configtx.yaml PDC definitions or Canton party-to-participant mapping to produce a color-coded visibility heatmap. Client-side. Zero PII.
Tool 65→
Cross-Rail Settlement Finality Auditor
Compare operational vs. legal finality timelines across RTGS, real-time, and tokenized payment rails. Counterparty exposure window calculator covering Fedwire, TARGET2, FedNow, RTP, Fnality, mBridge, and more.
Tool 66→
RWA Tokenization Cost Model
5-year TCO model for tokenizing real-world assets vs. traditional settlement. Compare bond, MMF, repo, and trade receivable tokenization costs across Corda, Canton, Fabric, and public EVM. Break-even analysis. Client-side. Zero PII.
Tool 67→
DLT Platform TCO Calculator
3-year total cost of ownership comparison across Hyperledger Fabric, Hyperledger Besu, R3 Corda, and Digital Asset Canton. Infrastructure, developer, and support cost modelling. Client-side. Zero PII.
Tool 68→
Enterprise DLT Platform Comparator
Static reference comparison of Hyperledger Fabric, Hyperledger Besu, R3 Corda, and Digital Asset Canton across 10 enterprise dimensions. Client-side platform narrative generation. Includes Contour failure case study. Last reviewed: May 2026.
Tool 69→
DLT Privacy Model Selector
Decision-tree questionnaire (10 questions) recommending the optimal DLT privacy model: Fabric PDC, Fabric channels, Corda confidential transactions, Canton sub-transaction privacy, or Besu private transaction manager. Client-side. Zero PII.
Tool 70→
Node Role & Trust Boundary Modeler
Interactive SVG node topology for permissioned DLT networks. Configure platform, node count, consensus type, and regions to generate a visual architecture diagram with quorum health check, single-point-of-failure flags, and a board-ready architecture brief.
Tool 71→
DLT Smart Contract Guardrail Builder
Input spend caps, counterparty allowlists, settlement windows, escalation triggers, and N-of-M approval requirements. Outputs AP2 JSON mandate, Solidity stub (Besu), Kotlin CorDapp stub (Corda), and SVG approval workflow DAG. Zero PII.
Tool 72→
Governance, Finality & Operational Readiness Checklist
5-step wizard generating a governance, finality, operational, and regulatory readiness checklist for enterprise DLT deployment. Select jurisdiction, network type, and asset class. Export Markdown report. Client-side. Zero PII.
Tool 73→
Enterprise DLT Decision Lab
Five-stage unified decision shell: Use Case → Platform Comparison → Privacy Architecture → Node Topology → Governance. Generates Nygard ADR rationale and consequences. Board-ready Architecture Decision Record export. Client-side. Zero PII.
Tool 74→
DLT Settlement Verifier
Paste Corda or Canton settlement transaction JSON to decode state machine transitions, verify WebCrypto signatures, map ISO 20022 fields, and verify iso20022Hash (keccak256 vs SHA-256). Pass/fail report with AP2 export. Client-side. Zero PII.
Tool 75→
Stablecoin Reserve & Peg Health Auditor
Client-side stablecoin reserve composition analyzer and peg stress testing engine. Model reserve health for USDT, USDC, DAI, PYUSD, FDUSD, and EURC — or configure custom reserve structures. Stress-test peg stability under devaluation shocks, liquidity crunches, and bank-run redemption scenarios. Calculates collateralization ratios, liquidity coverage, redemption waterfall sequencing, and time-to-peg-recovery. Regulatory compliance mapping across MiCA, US GENIUS Act, SAMA, CBUAE, and MAS. Exports proof-of-reserves audit report, AP2-compatible JSON, and CSV.
Tool 108→
DLT Consensus Partition & Recovery Simulator
Simulate network partitions and Byzantine fault scenarios across Hyperledger Fabric (Raft), Besu (QBFT), R3 Corda, and Canton. Configure your node topology and partition event — the tool generates a platform-specific numbered recovery runbook, transaction re-verification manifest, and governance voting worksheet. Client-side. Zero PII.
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