Free · Open Source · Zero PII · Zero Install
Fintech Tools for Payments Professionals
256+ 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. All tools ship with a manifest.json for MCP agent discovery — discoverable via the Developer panel below.
256+
Total Tools
13
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
10 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 20→
A2A Payment Failure Analyser + RCA Generator
Paste or upload raw A2A payment logs and get automated root-cause analysis, failure pattern clustering, return-code breakdowns, and a markdown RCA report. Client-side only, zero PII retained.
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.
Regulatory Compliance & Consent Hub · 14 Tools
Regulatory Compliance & Consent Hub
14 browser-based tools covering the full regulatory compliance lifecycle — GDPR/UK GDPR data subject rights, FCA Consumer Duty (PS22/9), institutional sanctions programme governance (OFAC/OFSI/EU), operational resilience (FCA PS21/3), MiFID II transaction reporting readiness, LEI lifecycle validation (ISO 17442/GLEIF), BCBS 239 / SR 11-7 model risk, and a 2025–2027 regulatory change horizon scanner. UK · EU · US. Client-side. Zero PII.
GDPR · FCA Consumer Duty
Sanctions · MiFID II · BCBS 239
AP2 Export · 6 Tools
Zero PII · Client-Side
Open the Hub →
02
Compliance & Consent
16 toolsT311→
Data Subject Rights Workflow Generator
Generate jurisdiction-specific DSR response workflows for all seven GDPR/UK GDPR rights (Art. 15–22) plus CCPA equivalents. Compliance clock, identity verification, exemption analysis, and response letter templates. Zero PII.
T315→
Consumer Duty Outcome Testing Dashboard
Score outcomes against the four FCA Consumer Duty outcome areas (PRIN 2A.3–2A.6). RAG scorecard, MI monitoring framework, evidencing checklist, and board annual assessment template. Mandatory for ~50,000 FCA-authorised firms. Zero PII.
T316→
Sanctions Programme Health Checker
Assess institutional sanctions programme governance against OFAC's Five Essential Components Framework (2019), UK OFSI General Guidance (2024), and EU Art. 8 due diligence. Programme health score, gap analysis, and VSD readiness checklist. Zero PII.
T314→
Operational Resilience Self-Assessment Tool
Map Important Business Services, set impact tolerances, and score programme maturity against FCA PS21/3 (testing phase active March 2025), PRA SS1/21, and FFIEC BCP. IBS register, scenario testing agenda, and board summary. Zero PII.
T318→
Regulatory Change Impact Assessor
Generate a prioritised regulatory change calendar for the 2025–2027 horizon, customised by institution type, jurisdiction, and product scope. Embedded database of 22 upcoming changes — effort/impact scoring, 12-month roadmap, and tool cross-reference map. Zero PII.
T317→
LEI Lifecycle & GLEIF Validation Tool
Validate LEIs against ISO 17442 check digit (MOD 97-10). Detect ISSUED, LAPSED, RETIRED, and FORMAT ERROR. Batch validate up to 100 LEIs. Map LEI fields to ISO 20022 CBPR+, MiFID II RTS 22, EMIR, and SFTR. Zero PII.
T313→
MiFID II / MiFIR Transaction Reporting Readiness Checker
Assess readiness for MiFID II Article 26 / MiFIR transaction reporting across 65 mandatory RTS 22 fields, ESMA validation rules, ARM connectivity, LEI population audit, and T+1 deadline compliance. EU and UK regimes. Zero PII.
T312→
BCBS 239 / SR 11-7 Model Risk & Data Governance Readiness Scorer
Score readiness against all 14 BCBS 239 principles across 4 domains and SR 11-7 model risk governance. Full 47-question or quick 14-question mode. RAG scorecard, gap table, priority remediation roadmap, and board Risk Committee pack. Zero PII.
Tool 03→
Consent Simulator + Compliance Auditor
Design and audit consent capture flows at point of data collection. Tests GDPR Art. 7, ePrivacy, CCPA, and TCF v2.2 consent mechanisms — pre-collection compliance, not post-collection rights.
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 43→
Batch Sanctions Screening Engine
Screen names, entities, and identifiers against OFAC SDN, OFSI, UN, and EU consolidated sanctions lists using fuzzy-match algorithms. Batch processing up to 500 records. False-positive triage workflow. 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. Exports Markdown compliance memo and AP2 JSON.
T327→
EU AI Act Article 6 Risk-Class Mapper
Classify your financial-services AI system under EU AI Act Annex III. Identifies Unacceptable, High-Risk, Limited, and Minimal risk tiers with Article 6 legal basis, compliance obligations, and enforcement deadlines. Browser-based, zero PII.
03
Fraud & Risk
11 toolsFraud & Risk Hub · Cat-03 · 10 Tools
Fraud & Risk Hub
Synthetic identity scoring, APP scam pre-payment assessment, fraud investigation, chargeback representment, batch sanctions screening, and AP2 agentic policy mandate building. Built around PSR PS23/3, FRB SR 2022, FinCEN FIN-2021-A003, and NACHA March 2026 fraud rules. All client-side. Zero PII.
PSR PS23/3 · FRB SR 2022
FinCEN · SAR · APP Scam
AP2 Agentic Anchor · T323
Zero PII · Client-Side
Open the Hub →
Tool 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.
Tool 321→
Synthetic Identity Fraud Risk Scorer
Pre-application synthetic identity risk scoring across 7 structural identity attributes before a credit or account decision. Composite score, signal breakdown, and CIP enhancement steps. Distinct from T04 (transaction-level) and T80 (post-event). FRB SR 2022 · FinCEN FIN-2021-A003. Zero PII.
Tool 322→
APP Scam Pre-Payment Risk Assessor
APP scam risk scoring and typology classification at the point of payment initiation. 5 scam typologies, friction intervention recommendations. Pre-payment detection only — PSR liability split and reimbursement use T257 (Cat-21). PSR PS23/3 · UK FPS CoP v3.0. Zero PII.
Tool 323→
AP2 Fraud & Risk Policy Mandate Builder
Consolidates four fraud risk dimensions — detection thresholds, APP scam controls, loss tolerance, and SAR reporting triggers — into a validated AP2 JSON mandate. agent_instructions array is MCP server deployable. Built-in contradiction detection. Agentic anchor for Cat-03. Zero PII.
04
Ops & Monitoring
12 toolsPayment Ops & Monitoring Hub · Cat-04 · 11 Tools
Payment Ops & Monitoring Hub
Real-time rail prefunding scheduling, a 16-rail global cutoff atlas, smart routing, A2A migration, ops incident runbooks, and an AP2 agentic ops policy mandate builder. FedNow · RTP · SEPA Instant · Fedwire · CHAPS · PIX · UPI · SWIFT gpi. All client-side. Zero PII.
FedNow · RTP · SEPA Instant
16 Rails · DST · Cutoff Atlas
AP2 Agentic Anchor · T326
Zero PII · Client-Side
Open the Hub →
Tool 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.
Tool 324→
Real-Time Rail Prefunding Scheduler
Daily prefunding schedule builder for FedNow, RTP, and SEPA Instant. 24-row hourly net position table, opening balance recommendation, top-up windows, idle capital cost, and three-rail comparison panel. For BCBS 248 facility sizing use T258 (Cat-21). Zero PII.
Tool 325→
Global Payment Cutoff & Settlement Atlas
Operator-level cutoff precision across 16 global rails with DST adjustment and bank holiday flags for a specific date and corridor. Fedwire, FedNow, ACH, RTP, CHAPS, UK FPS, SEPA, T2, PIX, UPI, NPP, BACS, CIPS, SWIFT gpi. Distinct from T21 (emerging market corridor strategy). Zero PII.
Tool 326→
AP2 Payment Ops Policy Mandate Builder
Consolidates four ops policy dimensions — liquidity, routing, SLA monitoring, and incident escalation — into a validated AP2 JSON mandate. Imports T324 prefunding schedule directly. agent_instructions array is MCP server deployable. Built-in routing policy validation. Agentic anchor for Cat-04. Zero PII.
05
Open Banking & APIs
17 toolsOpen 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 →
Tool 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.
T165→
CFPB §1033 Institution Classifier
Classify your institution under CFPB §1033 Personal Financial Data Rights. Determines Tier 1–4 or TPPP status, compliance deadline, and full obligations checklist. Client-side. Zero PII.
T166→
CFPB §1033 Data Rights Scoper
Scope your CFPB §1033 covered data obligations across the 7 data categories. Determine which categories apply to your institution and products, with access rules, format requirements, and data minimization constraints. Client-side. Zero PII.
T167→
CFPB §1033 TPPP Obligation Mapper
Map CFPB §1033 obligations for Third-Party Payment Providers (TPPPs). Select TPPP type and use cases to receive authorization requirements, data minimization rules, purpose limitations, and consumer revocation obligations. Client-side. Zero PII.
Treasury & Liquidity Management Hub · 17 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
18 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
2 toolsFeatured 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
4 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 · 12 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, startup runway analysis, compound interest modeling, asset allocation heatmapping, and more — all linked by a Portable Scenario State system. No accounts. No uploads. Everything local.
FIRE · Retirement
Monte Carlo Engine
Portable Scenario State
Zero PII · Client-Side
Open the Hub →
10
Personal Finance
13 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.
PF · 132→
Compound Interest Explorer
Interactive compound growth calculator with tax-drag overlay and inflation adjustment. Model contributions, time horizon, and expected return across pre- and post-tax scenarios.
PF · 133→
Asset Allocation Heatmapper
Visualize correlation and volatility across your portfolio allocations as an interactive heatmap. Input asset weights and returns to see risk concentration and diversification gaps.
PF · 134→
3-Fund Portfolio Builder
Model a three-fund lazy portfolio with rebalancing bands and tax-lot optimization. Configure US equities, international equities, and bond allocation with threshold-triggered rebalancing logic.
PF · 135→
Sequence of Returns Risk Calculator
Isolate the impact of return ordering on retirement outcomes across historical crash sequences. Compare early-retirement crash vs. late-retirement crash scenarios to stress-test withdrawal sustainability.
PF · 136→
Roth vs. Traditional Conversion Estimator
Model the long-run tax cost of Roth conversions vs. traditional deferral across income brackets. Factor in current vs. future marginal rates, RMDs, and estate planning scenarios.
PF · 137→
4% Rule Safe Withdrawal Calculator
Apply the Bengen rule with personalized adjustments for age, allocation, and spending flexibility. Model variable withdrawal strategies — constant dollar, constant percentage, guardrails — against historical success rates.
PF · 138→
Inflation "Creep" Destroyer
Calculate how lifestyle inflation erodes FIRE targets and model frugality levers year by year. Quantify the cost of each $100/month spending increase on your FIRE date and required portfolio size.
PF · 139→
Social Security Bridge Calculator
Model portfolio drawdown in early retirement before Social Security benefits begin, including delay credits. Calculate optimal claiming age, break-even point, and drawdown rate across the bridge period.
PF · 140→
Dividend Drag vs. Growth Simulator
Compare total return of dividend reinvestment vs. pure growth portfolios with tax-drag modeling. Factor in qualified vs. ordinary dividend tax rates, yield, and growth rate differences across time horizons.
DLT & Tokenization Integration Hub · 21 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.
AML/KYC & Financial Crime Compliance Hub · 23 Tools Unlocked
AML/KYC & Financial Crime Compliance Hub
All 22 Cat-12 tools live as a unified compliance onboarding suite for BSA/AML officers, MLROs, financial crime analysts, and fintech compliance engineers. Covers customer risk rating, beneficial ownership mapping, TM rule design, SAR/CTR narrative generation, FATF typology training, VASP Travel Rule, sanctions exposure modelling, and AML programme gap auditing.
FATF · FinCEN · FCA · 6AMLD
MiCA · GENIUS Act · MAS · AUSTRAC
VASP Travel Rule · Wolfsberg
Zero PII · Client-Side
Open the Hub →
12
AML/KYC & Financial Crime
24 toolsTool 109→
CDD/EDD Checklist Generator
Jurisdiction-aware CDD and EDD checklist builder across US BSA/FinCEN, UK FCA/MLR 2017, EU 6AMLD, MAS, and AUSTRAC. Standard / Simplified / Enhanced modes. AP2 export.
Tool 110→
Customer Risk Rating Engine
Score KYC risk across six FATF dimensions with configurable weighting. Maps to FinCEN RBA, EBA Joint Guidelines, FCA FG17/6, MAS. AP2 JSON export.
Tool 111→
KYB Beneficial Ownership Mapper
Build UBO trees up to five layers. Flags 25% threshold entities, shell companies, circular ownership. FinCEN CDD Rule · 6AMLD · UK PSC Register. AP2 SVG + JSON export.
Tool 112→
PEP & Sanctions Exposure Simulator
Simulate name-matching against OFAC SDN, EU Consolidated, UN, HMT, SECO lists. Fuzzy/phonetic matching with false-positive rate modelling.
Tool 113→
Adverse Media & Negative News Profiler
Structured adverse media assessment across 10 crime categories. Wolfsberg AML Principles aligned. EDD report with source credibility scoring. AP2 export.
Tool 114→
KYC Document Verification Checklist
Jurisdiction-specific KYC document checklists for individuals, corporates, trusts. FinCEN CIP Rule · FCA MLR 2017 · 6AMLD accept/reject criteria.
Tool 115→
Correspondent Banking Due Diligence Matrix
CBDD assessment aligned to Wolfsberg Correspondent Banking Principles 2023. Risk-scored output with Wolfsberg Questionnaire gap analysis. AP2 export.
Tool 116→
Transaction Monitoring Rule Builder
Flagship enterprise TM engine. Generate structured TM rule pseudocode with TPR/FPR/F1 metrics for velocity, structuring, typology, and cross-border monitoring. AP2 export.
Tool 117→
Structuring Pattern Detector
Detect smurfing, threshold avoidance, temporal clustering in synthetic transaction sequences. FATF ML typology mapping with investigative priority output.
Tool 118→
Cross-Border Wire Transfer Analyzer
Flag high-risk jurisdiction routing, shell entity indicators, PEP-adjacent beneficiaries. FinCEN Wire Transfer Rule · FATF R.16.
Tool 119→
CTR/SAR Threshold Simulator
Simulate BSA CTR and SAR filing decision logic. Filing deadline calculation, Phase I/II CTR exemption eligibility, and AP2 JSON filing policy mandate.
Tool 120→
FATF ML/TF Typology Library & Layering Identifier
40+ FATF typologies with red flag indicators and TM rule configurations. Layering Identifier mode maps transaction sequences to placement/layering/integration stages.
Tool 121→
SAR Narrative Generator
The sole SAR narrative output in the catalog. Generates jurisdiction-specific narratives for US FinCEN SAR, UK NCA, AU AUSTRAC SMR, EU FIU STR. AP2 filing record export.
Tool 122→
Regulatory Reporting Calendar
AML/financial crime regulatory reporting deadlines by jurisdiction and report type. Export compliance calendar with filing triggers and deadline logic.
Tool 123→
AML Programme Gap Auditor
Internal AML programme maturity assessment across FATF 40 Recommendations. Distinct from Tool 88 (product launch compliance). AP2 gap register export.
Tool 124→
FATF Readiness Scorer
Score institutional FATF Immediate Outcome readiness across all 11 IO dimensions. Outputs composite score and remediation priority table.
Tool 125→
Sanctions Programme Builder
Design sanctions screening programme: list coverage, match threshold policy, escalation workflow, and designated persons handling. AP2 JSON policy export.
Tool 126→
VASP Travel Rule Checker
Check Travel Rule compliance for VASP-to-VASP transfers. Covers FATF R.16, EU TFR, FinCEN CVC rules, GENIUS Act, and MiCA. Threshold and field-level validation.
Tool 127→
Crypto Transaction Risk Profiler
Profile on-chain transaction risk: mixer/tumbler indicators, high-risk VASP counterparty exposure, unhosted wallet flags, and cross-chain bridge activity.
Tool 128→
Stablecoin VASP AML Mapper
Map AML obligations for stablecoin issuers and VASPs under MiCA, GENIUS Act, FinCEN, and FATF revised Recommendation 15.
Tool 129→
DeFi/NFT Risk Assessment
Assess AML risk exposure for DeFi protocol interactions and NFT marketplace activity. FATF updated R.15 guidance and grey/black list overlay.
Tool 130→
AML Scenario Training Lab
Interactive training simulations for FATF typology recognition, red flag identification, and SAR/CTR decision-making. Built for BSA officer certification prep.
Tool 131→
AP2 AML Mandate Builder
Anchor agentic tool for Cat-12. Translate AML programme controls into a validated AP2 JSON mandate for MCP runtime ingestion. Human-readable policy summary included.
B2B Payments & Platform Operations Hub · 16 Tools Unlocked
B2B Payments & Platform Operations Hub
All 16 Cat-13 tools live as a unified B2B payments operations suite for payments engineers, finance leads, ERP architects, and marketplace operators. Covers invoice-to-payment orchestration, virtual card economics, AP automation savings, supplier payment terms optimisation, supply chain finance, ISO 20022 remittance validation, DAC7/1099-K withholding, and platform payout design.
ACH · RTP · FedNow · SEPA · FPS · SPEI
ISO 20022 · DAC7 · 1099-K · FATCA
Zero PII · Client-Side
Open the Hub →
13
B2B Payments & Platform Operations
17 toolsTool 132→
Invoice-to-Payment Orchestrator
Map full invoice-to-payment lifecycle with ISO 20022 message assignment, three-way match simulation, and exception routing. AP2 JSON payment instruction export.
Tool 133→
Virtual Card Program Cost Modeller
Model virtual card programme economics end-to-end: interchange, rebate waterfall, BIN fees, network dues, and net margin. NPV/IRR projection vs. ACH and wire.
Tool 134→
AP Automation Savings Calculator
Quantify labour cost savings from automating invoice processing and approval. ROI summary, payback period, FTE savings, DPO impact, and board-ready savings memo.
Tool 135→
Supplier Payment Terms Optimiser
Model NPV of early payment discount vs. cost of capital across supplier tiers. Greedy-selection algorithm for optimal DPO. Markdown supplier payment policy memo export.
Tool 136→
Embedded Payments Margin Simulator
Model margin waterfall for embedded payment: interchange, scheme fees, BaaS fee, fraud loss, reserve, and net contribution margin. Take-rate waterfall and break-even volume.
Tool 139→
ERP Payment Integration Readiness Scorer
Score ERP system readiness for ISO 20022 payment integration. Field mapping gap analysis and Markdown integration project plan across MT/MX migration paths.
Tool 140→
B2B Payment Fraud Detection Heuristics Builder
Configure detection heuristics for BEC, invoice manipulation, supplier impersonation, and change-of-bank-details fraud. Rule pseudocode and operational control output.
Tool 141→
Cross-Border B2B Fee Transparency Calculator
Deconstruct total landed cost per B2B invoice: FX spread, correspondent fees, VAT/GST treatment, Incoterms obligations, and ERP remittance reconciliation cost.
Tool 144→
ISO 20022 Remittance Data Enrichment Validator
Validate structured remittance in pain.001 and camt.054. ISO 11649 SCR format, RmtInf/Strd population, ERP auto-match eligibility, and STP readiness report.
Tool 145→
Supply Chain Finance Modeller
Model SCF programme economics: reverse factoring, dynamic discounting, and inventory finance. Cost-benefit waterfall, DPO extension, and programme design memo.
Tool 146→
Virtual Account Structure Simulator
Design notional pooling and virtual account structures. Interest netting, balance concentration, multi-currency overlay, and reconciliation event count projection.
Tool 147→
Payout Rail Cost & Finality Modeller
Compare cost, speed, and finality across ACH, RTP, FedNow, SEPA CT/Instant, FPS, SPEI, wire, and virtual card. AP2 JSON routing policy export.
Tool 148→
DAC7 / 1099-K Withholding Threshold Simulator
Model EU DAC7 and US IRS 1099-K reporting triggers. IRS 24% backup withholding, DAC7 €2,000/30-transaction thresholds, FATCA Form 8966 flags. AP2 tax policy export.
Tool 149→
Seller Onboarding Jurisdiction Classifier
Determine W-8/W-9 requirement by seller country and entity type. FATCA/CRS classification, VAT treatment for marketplace services. AP2 JSON seller profile export.
Tool 150→
Platform Money Transmission Licensing Risk Mapper
Assess US state MTL requirements by business model and transaction type. Agent-of-payee exemptions, MSB registration overlap, and AP2 compliance mandate export.
Tool 151→
Split Payment Escrow Timing Simulator
Model escrow release triggers, marketplace settlement timing, and reserve waterfall. Payout architecture diagram, settlement timeline SVG, and AP2 JSON payout manifest.
Embedded Finance & BaaS Infrastructure Hub · 13 Tools Unlocked
Embedded Finance & BaaS Infrastructure Hub
All 13 Cat-14 tools live as a unified BaaS infrastructure suite for fintech engineers, programme managers, and embedded finance architects. Covers FBO account structures, ledger design, BIN sponsorship economics, wallet float yield, settlement orchestration, Reg E/UDAAP controls, marketplace payout design, embedded lending unit economics, and sponsor bank readiness scoring.
FBO · BIN · Reg E · UDAAP
Visa · Mastercard · FDIC Pass-Through
Zero PII · Client-Side
Open the Hub →
14
Embedded Finance & BaaS Infrastructure
15 toolsTool 152→
BaaS Provider Comparator
Score and compare BaaS providers against embedded capability matrix. User-adjustable reference data with Last Reviewed datestamp. Weighted comparison matrix and evaluation memo.
Tool 153→
FBO Account Structure Simulator
Simulate omnibus vs. subledger FBO architectures with FDIC pass-through eligibility, reserve logic, reconciliation burden, and operational risk scoring.
Tool 154→
Ledger Architecture Builder
Interactive double-entry ledger designer: monolithic, event-sourced CQRS, or multi-ledger bridge. Configure holds, reversals, chargebacks, and reconciliation frequency.
Tool 155→
BIN Sponsorship Economics Simulator
BIN sponsorship margin waterfall: interchange → rebate → BIN rental → network dues → fraud loss → reserve → net margin. Break-even volume and 5-year NPV.
Tool 156→
Wallet Float Yield Estimator
Calculate float revenue on stored value balances. Fed Funds rate slider, FDIC pass-through benefit, reserve drag, dormancy rate, and treasury management fee.
Tool 157→
Settlement Orchestration Simulator
Model T+0, T+1, and intraday settlement windows. Prefunding cost model, failure path analysis, liquidity buffer sizing, and settlement design memo.
Tool 158→
Fintech Compliance Control Mapper
BaaS-specific compliance controls: Reg E, UDAAP, card network programme rules, sponsor bank oversight. Maturity heatmap and AP2 JSON control register.
Tool 159→
Marketplace Payout Flow Designer
Full end-to-end payout architecture: split logic, seller risk tiers, rail selection, reserve policy, refund priority waterfall. AP2 JSON payout manifest export.
Tool 160→
Embedded Lending Unit Economics Tool
B2B/commercial lending economics: NIM, expected loss rate, RAROC, break-even default rate. Origination cost, APR, default curve, and cost of capital inputs.
Tool 161→
Programme Agreement Economics Model
BaaS programme agreement P&L waterfall: revenue share splits, volume commitments, ramp schedules, penalty clauses. Annual P&L by year and break-even month.
Tool 162→
Sponsor Bank Readiness Scorer
Score fintech programme readiness for sponsor bank partnership. Risk posture score, operational complexity, recommended control layers, and AP2 JSON programme register.
Tool 163→
Card Programme Launch Readiness Checker
Visa and Mastercard card programme launch checklist: BIN sponsorship, CARMS/CPS enrolment, KYC/KYB, Reg E, network rules, 3DS fraud monitoring, and Visa CE 3.0/MC ADC dispute compliance.
Tool 164→
AP2 BaaS Infrastructure Mandate Builder
Anchor agentic tool for Cat-14. Translate BaaS programme controls into a validated AP2 JSON mandate with human-readable policy summary and MCP agent instruction set.
T168→
BaaS Provider Comparison
Side-by-side comparison of leading BaaS providers across FDIC coverage, card issuance, ACH/RTP rails, KYC/AML tooling, compliance support, developer experience, and pricing model. Filter by capability. Client-side. Zero PII.
E-Invoicing, VAT & ViDA Compliance Hub · 9 Tools Unlocked
E-Invoicing, VAT & ViDA Compliance Hub
Nine browser-based tools covering the full EU e-invoicing and VAT compliance lifecycle — from Peppol access point simulation and VAT rate lookup through ViDA Digital Reporting Requirements scoring, ISO 20022 invoice bridging, archiving obligation mapping, cross-border VAT recovery, and Digital Services Tax exposure. France, Belgium, Poland KSeF, Italy SdI, and global DST rules. Client-side. Zero PII.
ViDA · Peppol · KSeF · SdI
ISO 20022 · pain.001
AP2 JSON Export
Zero PII · Client-Side
Open the Hub →
15
E-Invoicing, VAT & ViDA
11 toolsT175→
Cross-Border VAT Treaty Lookup Engine
Look up VAT treaty status and withholding obligations across 50+ country pairs. Covers EU VAT Directive, UK–EU TCA, USMCA, and bilateral treaties. Outputs treaty summary, applicable rates, reverse-charge rules, and AP2 JSON tax mandate. Client-side. Zero PII.
T176→
Peppol Access Point & Corner-5 Simulator
Simulate Peppol 4-corner and emerging Corner-5 continuous transaction control flows. Configure sender, receiver, and service metadata publisher roles. Validates BIS 3.0 UBL invoice structure and generates SMP lookup traces. Client-side. Zero PII.
T177→
VAT Rate & Regime Lookup Engine
Look up standard, reduced, and zero VAT rates across 60+ jurisdictions with product/service category filters. Covers EU 27, UK, GCC, and APAC regimes. Includes reverse-charge applicability, OSS/IOSS thresholds, and fiscal representative requirements.
T178→
Invoice-to-ISO 20022 Bridge (pain.001 Generator)
Map structured e-invoice fields (UBL 2.1, CII) to ISO 20022 pain.001 payment initiation messages. Validates mandatory field coverage, generates the XML payload, and flags truncation risks for CBPR+ transit. Client-side. Zero PII.
T179→
ViDA Digital Reporting Requirements (DRR) Scorer
Score your organisation's readiness for ViDA Digital Reporting Requirements across five pillars: transaction data scope, near-real-time reporting cadence, structured format compliance, cross-border DRR obligations, and API connectivity. Outputs gap analysis and AP2 JSON compliance mandate.
T180→
B2B E-Invoice Compliance Readiness Scorer
Score your B2B e-invoicing readiness across Italy SdI, French PPF/Chorus Pro, Belgian Peppol mandate, Polish KSeF, and German EN 16931 requirements. Configurable by company size and sector. Outputs jurisdiction-specific gap report and implementation roadmap.
T181→
E-Invoice Archiving & Retention Obligation Mapper
Map e-invoice archiving and retention obligations by jurisdiction — covering storage duration, format integrity requirements, qualified electronic signatures, and audit trail obligations. Outputs a jurisdiction matrix and AP2-compatible archiving policy mandate.
T182→
Cross-Border VAT Recovery Eligibility Checker
Determine VAT recovery eligibility for cross-border business expenses under EU Directive 2008/9/EC, UK HMRC Notice 723A, and bilateral refund agreements. Covers deadline mapping, minimum claim thresholds, and eligible expense categories by jurisdiction.
T183→
Digital Services Tax Exposure Calculator
Calculate Digital Services Tax exposure across UK (2% DST), France (3% GAFA), Italy (3% DST), Spain, Austria, and India equalisation levy. Configurable revenue thresholds, in-scope service categories, and de minimis exemptions. Outputs jurisdiction-by-jurisdiction DST liability estimate.
T174→
Peppol BIS 3.0 / KSeF XML Auditor
In-browser XML validator for Peppol BIS Billing 3.0 (EN 16931) and KSeF FA(3). Checks structural and calculation business rules with country overlays for France, Poland, Belgium, Germany and Australia. Client-side. Zero PII.
Consumer Credit & BNPL Compliance Hub · 8 Tools Unlocked
Consumer Credit & BNPL Compliance Hub
Eight browser-based tools covering the full BNPL and consumer credit compliance lifecycle — FCA DPC readiness (live 15 Jul 2026), merchant integration compliance, late fee and penalty rules, affordability assessment modelling, disclosure template generation, arrears and collections obligations, APR calculation (EU CCD2 & US TILA), and B2B underwriting sandbox. Client-side. Zero PII.
FCA DPC · EU CCD2 · CFPB Reg Z
FDCPA · TILA · CONC
AP2 JSON Export
Zero PII · Client-Side
Open the Hub →
16
Consumer Credit & BNPL
9 toolsT187→
FCA BNPL / DPC Readiness Checker
Score your BNPL product's readiness for the FCA Deferred Payment Credit regime (live 15 Jul 2026). Covers CONC affordability obligations, PCCI disclosure requirements, FCA authorisation status, and DISP complaints handling. Outputs gap report and AP2 compliance mandate.
T188→
Merchant BNPL Integration Compliance Mapper
Map merchant-side BNPL integration obligations across UK FCA, EU CCD2, and US state BIPA requirements. Covers co-branding disclosure rules, liability allocation, data sharing restrictions, and TPP onboarding compliance for merchant payment pages.
T189→
Late Fee & Penalty Compliance Calculator
Calculate maximum permissible late fees and penalty charges under UK CONC 7, EU CCD2 Art. 32, CFPB late fee safe harbour rules, and state-level caps. Configurable loan amount, term, and jurisdiction. Flags non-compliant fee structures with remediation guidance.
T190→
BNPL Affordability Assessment Modeller
Model BNPL affordability assessments under FCA CONC 5, EU CCD2 creditworthiness requirements, and CFPB ability-to-repay standards. Configure income, existing commitments, stress scenarios, and threshold parameters. Outputs assessment decision logic and AP2 JSON underwriting mandate.
T191→
BNPL Disclosure Template Generator
Generate PCCI (Pre-Contract Credit Information) disclosure templates compliant with EU CCD2, UK FCA CONC, and US TILA Reg Z. Configure product terms, APR, fee schedule, and right-of-withdrawal details. Outputs jurisdiction-specific disclosure document and AP2 disclosure mandate.
T192→
Arrears & Collections Regulatory Compliance Checker
Audit your arrears management and collections processes against FCA CONC 7, EU CCD2 Art. 39, FDCPA, and FTC debt collection rules. Covers contact frequency limits, forbidden practices, forbearance obligations, and vulnerable customer treatment. Outputs compliance gap report.
T193→
BNPL APR Calculator (EU CCD2 & US TILA)
Calculate Annual Percentage Rate for BNPL products under EU CCD2 Annex I actuarial method and US TILA Reg Z APR rules. Handles instalment schedules, deferred payment periods, origination fees, and late charge inclusion. Side-by-side EU vs US APR comparison output.
T194→
B2B BNPL Underwriting Sandbox
Model B2B deferred payment underwriting decisions within CCA s.16B, CCD2 Art. 2(2), and Reg Z § 1026.3(a) business-purpose exemptions. Configure trade credit limits, payment terms, sector risk weights, and financial covenant triggers. Outputs underwriting decision and AP2 JSON credit mandate.
Counterparty Credit Risk & Due Diligence Hub · 8 Tools Unlocked
Counterparty Credit Risk & Due Diligence Hub
Eight deterministic, browser-based tools covering the full counterparty credit lifecycle — from internal rating and PD/LGD/EAD modelling through SA-CCR CVA, Basel III/IV RWA computation, financial covenant monitoring, credit stress testing, RAROC loan pricing, and IFRS 9 migration matrix generation. IFRS 9 and CECL aligned. Client-side. Zero PII.
Basel III/IV · SA-CCR · CRR3
IFRS 9 · CECL · RAROC
AP2 JSON Export
Zero PII · Client-Side
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17
Counterparty Credit Risk
9 toolsT197→
Credit Risk Rating Calculator
Build internal credit risk ratings using configurable scorecard frameworks aligned to Basel IRB and IFRS 9 criteria. Score counterparties across financial performance, leverage, liquidity, sector risk, and qualitative factors. Outputs rating grade, PD estimate, and AP2 JSON credit assessment.
T198→
PD / LGD / EAD Modeller
Model Probability of Default, Loss Given Default, and Exposure at Default for individual credit facilities. Supports through-the-cycle and point-in-time PD calibration, LGD floors by collateral type, and EAD CCF application. Outputs ECL components for IFRS 9 Stage classification and AP2 JSON.
T199→
Financial Covenant Compliance Checker
Monitor financial covenant compliance across leverage, interest cover, debt service cover, and tangible net worth ratios. Configure covenant thresholds, cure periods, and cross-default triggers. Inputs financial statement data and outputs covenant test results, headroom analysis, and breach alert report.
T200→
CVA Calculator (SA-CCR)
Calculate Credit Valuation Adjustment using the Basel III SA-CCR standardised approach. Handles interest rate, FX, equity, commodity, and credit derivative asset classes. Outputs replacement cost, potential future exposure, EAD, CVA charge, and AP2 JSON derivatives credit risk record.
T201→
Basel III/IV RWA Credit Risk Calculator
Calculate Risk-Weighted Assets under the Basel III/CRR3 Standardised Approach. Full CRR3/Basel IV risk weight table across all exposure classes — sovereign, bank, corporate, retail, residential and commercial real estate, and equity. Outputs RWA, 8% capital requirement, and AP2 JSON capital assessment.
T202→
Credit Stress Testing Workbench
Stress test credit portfolio metrics under adverse macroeconomic scenarios. Configure GDP shock, unemployment rise, rate movement, and sector-specific overlays. Outputs stressed PD/LGD curves, ECL migration across IFRS 9 stages, capital impact estimate, and AP2 JSON stress scenario record.
T203→
RAROC Loan Pricing Model
Model risk-adjusted return on capital for loan facilities. Inputs: loan amount, margin, fees, cost of funds, expected loss (from T198), capital allocation (from T201), operating cost. Outputs RAROC, economic profit/loss, hurdle rate comparison, minimum margin for target RAROC, and AP2 JSON loan pricing record.
T204→
IFRS 9 Credit Migration Matrix Generator
Generate cohort transition matrices across credit rating bands using embedded benchmark matrices by asset class or synthetic cohort data. Calculate Stage 1→2→3 migration probabilities, lifetime PD curves, and macro overlay. Outputs transition matrix, ECL stage allocation, IFRS 9 disclosure memo, and AP2 JSON ECL model parameters.
Cross-Border FX & Payments Intelligence Hub · 14 Tools
Cross-Border FX & Payments Intelligence Hub
Fourteen browser-based tools covering the full cross-border FX and payments lifecycle — from FX margin deconstruction and hedging instrument comparison through corridor cost ranking, pacs.008 payload generation, IBOR transition, settlement risk, EM FX classification, FATF Travel Rule compliance, and BIS G20 target benchmarking. ISO 20022 CBPR+ · SWIFT gpi · SEPA Instant · FedNow · PIX · CLS · PvP. Client-side. Zero PII.
ISO 20022 · CBPR+ · SWIFT gpi
FATF R.16 · BIS CPMI · G20
AP2 JSON Export
Zero PII · Client-Side
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18
Cross-Border FX & Payments
15 toolsT209→
FX Margin & Cost Transparency Calculator
Deconstruct any provider's quoted rate into mid-market spread and implied margin in bps. Compare up to 3 providers, benchmark against corridor percentiles. AP2 JSON FX policy export. Client-side. Zero PII.
T210→
Cross-Border Payment Failure Probability Model
Model failure probability across four factors: originator bank tier, correspondent chain length, beneficiary jurisdiction risk, and payment purpose code. Ranked mitigation recommendations. Client-side. Zero PII.
T211→
FX Hedging Instrument Comparison
Compare deliverable forward, NDF, vanilla option, participating forward, and zero-cost collar. Payoff diagrams, option Greeks (Garman-Kohlhagen), hedge effectiveness, and AP2 JSON hedging policy. Client-side. Zero PII.
T212→
SWIFT gpi / SEPA Instant / FedNow / PIX Rail Comparator
Compare 10 international and domestic real-time payment rails by cost, speed, finality, and G20/FSB target compliance. Outputs cost-speed-finality matrix, recommended rail, and AP2 JSON routing policy. Client-side. Zero PII.
T213→
Currency Risk Exposure Heatmap
Model subsidiary-level FX exposure across a multi-entity corporate structure. Identify natural hedges, calculate net exposure per entity and currency. Exposure matrix with Markdown memo. Client-side. Zero PII.
T214→
IBOR Transition Reference Checker
Calculate the RFR equivalent for any IBOR rate using ISDA 2020 fallback spread adjustments. Covers SOFR, €STR, SONIA, TONA, SARON. Replacement rate, spread in bps, and fallback language reference. Client-side. Zero PII.
T215→
FX Settlement Fails Risk Assessor
Assess FX settlement risk: CLS vs. non-CLS exposure, principal risk, replacement cost (97.5th percentile), Herstatt risk window. Reference: BIS PvP guidance (November 2022). Client-side. Zero PII.
T216→
Cross-Border B2B Corridor Cost Ranker
Rank cross-border B2B corridors by total all-in cost: FX margin + correspondent fee + SWIFT + lifting/beneficiary charges. Compare bank wire vs. fintech aggregator vs. stablecoin. G20/FSB 1% target flag. AP2 JSON export. Client-side. Zero PII.
T217→
Emerging Market FX Risk Classifier
Classify EM FX risk for 40+ currencies: convertibility tier, capital controls, NDF market depth, annualised volatility, and recommended hedging approach. IMF AREAER 2024 data. Client-side. Zero PII.
T218→
Payment-vs-Payment Settlement Sync Model
Model PvP mechanics: CLS vs. bilateral PvP vs. sequential settlement. Settlement risk exposure, timing mismatch, netting efficiency. BIS PvP guidance alignment and Markdown PvP design memo. Client-side. Zero PII.
T219→
pacs.008 Cross-Border Payload Generator & UETR Simulator
Generate a fully compliant ISO 20022 pacs.008.001.12 with RFC 4122 UUID v4 UETR, SR2026 schema validation, CBPR+ requirements, and MT103 field mapping. Downloadable XML and AP2 JSON payment instruction stub. Client-side. Zero PII.
T220→
Correspondent Banking De-Risking Impact Modeler
Model the operational and cost impact of correspondent banking de-risking. Simulate loss of 1, 2, or all correspondent relationships. Hop count increase, incremental cost, volume at risk, corridor vulnerability score. Client-side. Zero PII.
T221→
Cross-Border D+0 Finality & G20 Target Comparator
Compare settlement finality across 11 cross-border rails. G20/FSB 2027 target alignment (cost <1%, speed <1hr for 75% of payments). Finality comparison table, G20 scorecard, and AP2 JSON rail policy. Client-side. Zero PII.
T222→
FATF Travel Rule Cross-Border Threshold Checker
Determine Travel Rule data obligations across US FinCEN, EU TFR 2023/1113, UK MLR 2017, SG MAS PSN02, AU AUSTRAC, UAE CBUAE, CH FINMA, FATF R.16. Compliance checklist, field matrix, and AP2 JSON Travel Rule payload stub. Client-side. Zero PII.
Payment Scheme & Network Compliance Hub · 8 Tools
Payment Scheme & Network Compliance Hub
Eight browser-based tools covering the compliance and optimisation layer between merchants, acquirers, issuers, and payment networks — NACHA ACH operating rules, PCI DSS v4.0 scope assessment, Visa/Mastercard interchange qualification, 3DS 2.x EMV SCA compliance, card dispute reason code reference, RTP network participation eligibility, network rule change impact modelling, and card scheme fee benchmarking. Client-side. Zero PII.
PCI DSS v4.0 · NACHA · 3DS 2.x
Visa/MC Interchange · Scheme Fees
AP2 JSON Export
Zero PII · Client-Side
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19
Payment Scheme & Network
9 toolsT224→
NACHA ACH Rule Compliance Checker
Check ACH programme against NACHA Operating Rules §2–§9. March 2026 Fraud Monitoring rules embedded. Return code reference, compliance status per section, Markdown memo, and AP2 JSON compliance mandate. Client-side. Zero PII.
T225→
Visa/MC Interchange Qualification Tester
Simulate interchange category qualification for Visa CPS/Qualified/Standard and MC Merit I/III/Enhanced Best. Optimisation recommendations and AP2 JSON interchange policy. Client-side. Zero PII.
T226→
PCI DSS v4.0 Scope Assessment Wizard
Step-by-step PCI DSS v4.0 scope assessment. SAQ determination (A/A-EP/B/B-IP/C/D), CDE boundary, customised approach, targeted risk analysis. Markdown compliance roadmap and AP2 JSON mandate. Client-side. Zero PII.
T227→
Card Dispute & Reason Code Mapper
Instant reference for Visa VDR, Mastercard MDR, and Amex CMG dispute reason codes. Required documentation, deadlines, and arbitration rules. Companion to Tool 41 Representment Builder. Client-side. Zero PII.
T228→
3DS 2.x / EMV 3D Secure Compliance Checker
Assess 3DS 2.x implementation: frictionless vs. challenge flow, SCA exemptions (TRA, low-value, trusted beneficiary, recurring), liability shift (ECI codes), and PSD3/SCA jurisdiction compliance. AP2 JSON authentication policy. Client-side. Zero PII.
T229→
RTP Network Participation Checker
Check eligibility for FedNow, RTP/TCH, PIX, UPI, PayTo/NPP, Faster Payments, and SEPA Instant. Per-network onboarding checklists, technical requirements, and AP2 JSON participation mandate. Client-side. Zero PII.
T230→
Network Rule Change Impact Assessor
Model the impact of 2025–2026 Visa, Mastercard, and NACHA rule changes on your portfolio. 7 embedded rule changes, interchange impact, compliance actions, timeline, and AP2 JSON impact assessment. Client-side. Zero PII.
T233→
Card Scheme Fee Benchmarking Tool
Benchmark Visa and Mastercard scheme fees by card type across US, EU, UK, and APAC. Fee-per-transaction breakdown, Visa/MC comparison, optimisation opportunities, and AP2 JSON fee policy. Client-side. Zero PII.
SME Financial Health & Lending Readiness Hub · 9 Tools
SME Financial Health & Lending Readiness Hub
Nine browser-based tools covering the full SME financial health lifecycle — from credit risk scoring and working capital gap analysis through invoice finance eligibility, open finance credit signal mapping, revenue-based finance modelling, government grant eligibility, cash flow stress testing, and covenant monitoring. CFPB 1033 · PSD3 · UK Growth Guarantee. Client-side. Zero PII.
CCC · DSCR · Credit Scoring
Invoice Finance · RBF
CFPB 1033 · PSD3
Zero PII · Client-Side
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20
SME Financial Health
10 toolsT239→
SME Credit Risk Scoring Engine
6-dimension credit scoring: revenue, business age, DSCR, payment behaviour, sector risk, and adverse events. Composite score (0–100), S&P-equivalent rating tier, dimension scorecard, lending instrument recommendations, and AP2 JSON SME credit profile. Client-side. Zero PII.
T240→
Working Capital Gap Calculator
AR days + inventory days − AP days → Cash Conversion Cycle and working capital funding gap. Plain-language financing instrument recommendations and AP2 JSON funding profile. Cross-links to Tool 89. Client-side. Zero PII.
T241→
Business Loan Readiness Checker
Score SME readiness against bank and fintech lender criteria: trading history, revenue, DSCR, credit history, asset coverage. Readiness score, gap analysis per criterion, and recommended loan type by lender category. Client-side. Zero PII.
T242→
Invoice Finance Eligibility Assessor
Assess SME eligibility for invoice discounting, factoring, and selective invoice finance. Debtor concentration, invoice value, payment terms, creditworthiness. Maximum funding estimate, fee cost model, and Markdown eligibility report. Client-side. Zero PII.
T243→
Open Finance Credit Signal Mapper
Model how CFPB 1033 / PSD3 open banking data could improve SME underwriting. Modelling and illustration only — no real account data processed. Credit signal quality assessment and AP2 JSON open-data credit policy. Client-side. Zero PII.
T244→
Revenue-Based Finance Calculator
Model RBF product economics: advance amount, revenue share, monthly revenue, cap rate. Repayment timeline, total cost of capital, effective APR equivalent, payback by revenue scenario, and AP2 JSON financing terms. Client-side. Zero PII.
T245→
Government Funding & Grant Eligibility Mapper
Map SME eligibility for US SBIR/STTR, UK Innovate UK, EU Horizon, and UK Growth Guarantee Scheme. Eligibility criteria, funding ranges, and application complexity rating by jurisdiction and business type. Client-side. Zero PII.
T246→
Cash Flow Stress Test for SMEs
13-week rolling cash flow stress test. Apply shocks: revenue drop (−20%/−40%), payment delay (+15/+30 days), unexpected capex. Cash runway estimate, weeks-to-zero-cash per scenario, and Markdown memo. Client-side. Zero PII.
T247→
Lending Covenant & Facility Monitoring Dashboard
Monitor SME facility covenants: DSCR, leverage ratio, minimum cash balance, current ratio. Compliance status, headroom percentage, breach trigger alerts, and Markdown monitoring memo. Client-side. Zero PII.
Real-Time Payments Operations & Compliance Hub · 11 Tools
Real-Time Payments Operations & Compliance Hub
Eight browser-based tools covering the full real-time payments operations and compliance lifecycle — FedNow participation readiness, ISO 20022 cross-rail compatibility, RTP fraud velocity rule building, PSR APP fraud reimbursement workflows, intraday credit facility sizing, AP2 agentic policy, and companion tools for FedNow lookup and APP fraud liability. FedNow · RTP/TCH · SEPA Instant · BCBS 248 · UK PSR PS24/3. Client-side. Zero PII.
FedNow · RTP/TCH · SEPA Instant
BCBS 248 · UK PSR PS24/3
AP2 Agentic Policy
Zero PII · Client-Side
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21
Real-Time Payments Operations & Compliance
14 toolsT255→
FedNow Participation Readiness Scorer
Score your institution against all 47 FedNow participation requirements across technical, operational, compliance, and liquidity dimensions. Readiness score, gap analysis, and AP2 JSON participation profile. Client-side. Zero PII.
T254→
ISO 20022 Cross-Rail Message Compatibility Checker
Check ISO 20022 message compatibility across 6 real-time rails: FedNow, RTP/TCH, SEPA Instant, CHAPS, Faster Payments, and SWIFT CBPR+. Field-level overlay comparison and AP2 JSON compatibility report. Client-side. Zero PII.
T256→
Real-Time Payment Fraud Velocity Rule Builder
Build and test fraud velocity rules for real-time payment rails. Configure thresholds, time windows, and action triggers for sub-second decisioning. AP2 JSON rule export for agent runtime ingestion. Client-side. Zero PII.
T257→
PSR APP Fraud Reimbursement Workflow Builder
Build PSR PS24/3-compliant APP fraud reimbursement workflows. Model the £85,000 consumer cap, gross negligence defences, sending/receiving PSP liability split, and claim timelines. AP2 JSON workflow export. Client-side. Zero PII.
T258→
Intraday Credit Facility Sizing Model
Size intraday credit facilities against BCBS 248 ILM indicators and LCR requirements. Model peak intraday liquidity usage, facility headroom, and stress scenarios for FedNow and RTP settlement. AP2 JSON liquidity profile. Client-side. Zero PII.
T259→
AP2 Real-Time Payments Policy Builder
Build AP2 agentic policy definitions for real-time payment decisioning across 5 dimensions: rail selection, fraud threshold, reimbursement rules, liquidity guardrails, and compliance triggers. AP2 JSON policy export for agent runtime ingestion. Client-side. Zero PII.
T248→
ISO 20022 Message Validator + Field Explorer
Validate ISO 20022 XML messages (pacs.008, pain.001, camt.053) against embedded schema rules, parse every field with business context, and explore 20+ message types. Client-side only. Zero PII.
T319→
ISO 20022 Status & Rejection Decoder
Decode ISO 20022 pacs.002/008/009 TxSts and StsRsnInf rejection codes to plain English with severity classification, remediation guidance, and CBPR+ Nov 2026 structured address risk flags. Batch mode for up to 20 messages. Client-side. Zero PII.
T06→
FedNow Participant Lookup + Coverage Stats
Look up FedNow participation status for any US depository institution. Coverage statistics, participant type breakdown, and send/receive capability flags. Companion tool for Cat-21 real-time payments workflows. Client-side. Zero PII.
T26→
APP Fraud Liability Decision Matrix
Five-stage decision framework for APP fraud liability under UK PSR rules. Model sending and receiving PSP obligations, consumer gross negligence defences, and reimbursement outcomes. Companion tool for Cat-21 PSR compliance workflows. Client-side. Zero PII.
DORA & Operational Resilience Hub · 11 Tools Unlocked
DORA Operational Resilience Hub
Eleven browser-based tools covering the full EU DORA (Digital Operational Resilience Act) compliance lifecycle — ICT risk gap analysis, Register of Information quality, critical functions identification, incident classification, resilience testing programme design, third-party contract checking, ICT concentration risk modelling, proportionality assessment, NCA submission tracking, NIS2/DORA overlap mapping, and AP2 policy mandate generation. EU 2022/2554 · RTS 2024/1772 · ITS 2025/302. Client-side. Zero PII.
EU 2022/2554 · RTS 2024/1772
TLPT · Art. 30 · NIS2
AP2 JSON Export
Zero PII · Client-Side
Open the Hub →
22
DORA & Operational Resilience
13 toolsT300→
DORA ICT Risk Management Gap Analyser
Score your DORA ICT risk management posture across five pillars — governance, identification, protection, detection, and recovery. Generates a composite gap score, pillar-level heatmap, and prioritised remediation list. AP2 JSON export. Art. 5–16. Client-side. Zero PII.
T301→
DORA Register of Information Structure Builder
Build and quality-check your DORA Register of Information (RoI) against 24 ESA structural requirements. Add ICT third-party providers, validate LEI codes and CIF linkage, and generate an xBRL-CSV-ready export. AP2 JSON mandate. Art. 28. Client-side. Zero PII.
T302→
DORA Critical & Important Functions (CIF) Identifier
Classify ICT functions into Tier 1 Core-Critical, Tier 2 Important, and Tier 3 Non-CIF using the DORA Art. 3(22) criteria — settlement dependency, RTO, customer impact, and substitutability. Sets TLPT scope. AP2 export. Client-side. Zero PII.
T303→
DORA ICT Incident Classification Engine
Classify ICT incidents against all seven DORA major-incident criteria — clients affected, duration, data loss, geographic spread, economic impact, criticality, and reputational risk. Auto-determines reporting obligation and NCA notification deadline. AP2 export. Art. 18–20. Client-side. Zero PII.
T304→
DORA Resilience Testing Programme Designer
Design your DORA Art. 24–27 resilience testing programme — basic tests for all entities and TLPT eligibility for significant entities. Generates a testing schedule, TIBER-EU alignment checklist, and AP2 JSON programme mandate. Client-side. Zero PII.
T305→
DORA Third-Party ICT Contract Checker
Audit ICT third-party contracts against all 12 mandatory Art. 30 contractual provisions — SLAs, audit rights, subcontracting, data location, BCDR, incident reporting, termination, and more. Generates missing-clause model language and AP2 JSON. Client-side. Zero PII.
T306→
DORA ICT Concentration Risk Modeller
Model ICT provider concentration using HHI index, SPOF detection, and CTPP identification. Score portfolio risk across up to 10 providers, flag Critical Third-Party Providers (CTPPs) automatically, and export an AP2 JSON risk parameter mandate. Art. 29. Client-side. Zero PII.
T307→
DORA Proportionality Assessment Tool
Determine whether your institution qualifies for the Simplified ICT Risk Management Framework (Art. 16) based on size, systemic importance, and risk profile. Maps applicable vs. exempt obligations across all five DORA pillars. AP2 export. Client-side. Zero PII.
T308→
DORA NCA Submission & Deadline Tracker
Generate a jurisdiction-specific NCA submission calendar for your DORA Register of Information. Covers all EU/EEA member states with per-NCA deadlines, required formats (xBRL/CSV), and penalty exposure estimates. AP2 export. Client-side. Zero PII.
T309→
NIS2 / DORA Dual-Compliance Overlap Mapper
Map shared controls and deduplication opportunities across NIS2 and DORA for in-scope financial entities. Identifies controls satisfying both regimes simultaneously to reduce compliance overhead. AI Act overlay for AI-in-ICT scenarios. AP2 export. Client-side. Zero PII.
T310→
AP2 DORA Policy Mandate Builder
Anchor agentic tool for Cat-22. Configure risk appetite, RTO/RPO targets, primary NCA, board reporting cadence, TLPT requirements, and RoI format — and export a validated AP2 JSON DORA Policy Mandate for MCP agent runtime ingestion. Client-side. Zero PII.
T320→
AP2 MCP Policy Validator & Bridge
Validate Policy Mandate JSON payloads against the Unified Build Contract v1.0 schema, auto-generate MCP tool definitions, and simulate agent ingestion of agent_instructions. Client-side. Zero PII.
Developer / MCP & AP2 Integration
Every tool ships with a manifest.json that includes deterministic I/O schemas, MCP tool definition names, and AP2 export flags. Agent runtimes and orchestration systems can discover, validate, and invoke tools programmatically using these machine-readable manifests. All tools are client-side, deterministic, and zero PII — safe for automated agent invocation.
| Category | Example Tool ID | MCP Function Name (example) | AP2 Tools | Suite Size |
|---|---|---|---|---|
| AI Suite / Rule-Based Engines | rbe-07-signal-auditor | agent_signal_integrity_auditor | 11/13 | 13 tools |
| Core Infrastructure | 01-a2a-fee-route-optimizer | a2a_fee_calculator_route_optimizer | 8/9 | 9 tools |
| Compliance & Consent | 311-gdpr-dsr-workflow-generator | generate_gdpr_dsr_workflow | 6/14 | 14 tools |
| Fraud & Risk | 323-ap2-fraud-risk-policy-mandate-builder | build_ap2_fraud_risk_policy_mandate | 8/10 | 10 tools |
| Ops & Monitoring | 326-ap2-payment-ops-policy-mandate-builder | build_ap2_payment_ops_policy_mandate | 5/11 | 11 tools |
| Open Banking & APIs | 10-open-banking-api-explorer | open_banking_api_explorer_rate | 9/13 | 13 tools |
| Treasury, Strategy & Revenue | 103-payment-method-optimizer | payment_method_mix_optimizer | 15/17 | 17 tools |
| ESG & Sustainable Finance | 49-portfolio-financed-emissions-pcaf | portfolio_financed_emissions_calculator_pcaf | 2/2 | 2 tools |
| Reference & Decoder | paycode-decoder | decode_payment_code | 0/1 | 1 tools |
| Card Economics | 52-interchange-optimizer | interchange_fee_optimizer | 3/4 | 4 tools |
| Personal Finance | 107-monte-carlo-fire-simulator | monte_carlo_fire_trajectory_simulator | 8/12 | 12 tools |
| DLT & Tokenization | 108-dlt-partition-recovery-sim | dlt_consensus_partition_recovery_simulator | 17/21 | 21 tools |
| AML/KYC & Financial Crime | 109-cdd-edd-checklist | cdd_edd_checklist_generator | 20/23 | 23 tools |
| B2B Payments & Platform Operations | 132-invoice-to-payment-orchestrator | invoicetopayment_orchestrator | 16/16 | 16 tools |
| Embedded Finance & BaaS | 152-baas-provider-comparator | baas_provider_comparator | 12/13 | 13 tools |
| E-Invoicing, VAT & ViDA | 175-vat-treaty-lookup | crossborder_vat_treaty_lookup_engine | 7/9 | 9 tools |
| Consumer Credit & BNPL | 187-bnpl-fca-readiness-checker | fca_bnpl_dpc_readiness_checker | 6/8 | 8 tools |
| Counterparty Credit Risk | 197-credit-risk-rating-calculator | credit_risk_rating_calculator | 8/8 | 8 tools |
| Cross-Border FX & Payments | 209-fx-margin-cost-transparency | fx_margin_cost_transparency_calculator | 10/14 | 14 tools |
| Payment Scheme & Network | 224-nacha-ach-rule-compliance-checker | nacha_ach_rule_compliance_checker | 7/8 | 8 tools |
| SME Financial Health | 239-sme-credit-risk-scoring | sme_credit_risk_scoring_engine | 9/9 | 9 tools |
| Real-Time Payments Operations & Compliance | 06-fednow-lookup | fednow_participant_lookup_coverage_stats | 9/11 | 11 tools |
| DORA & Operational Resilience | 300-dora-ict-risk-gap-analyser | dora_ict_risk_management_gap | 11/11 | 11 tools |
Full machine-readable registry: manifest.json · 256 tools · 200 with
ap2_export: true · execution.type: browser-javascript · deterministic · Zero external API calls · Zero PII. Each category hub page contains its own detailed per-tool MCP table. MCP tool definition names follow the pattern verb_noun_context and are suitable for direct use as MCP server function names. Read the AP2 mandate schema (v1.0) for the canonical AP2 JSON structure.
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