OpenChainGraph Suite · CONTRACT A3 · arch #5

Neobank & BaaS Launch Chain

Compare BaaS sponsor bank providers → assess PSD3/PSR2 transition impact and SCA requirements → simulate Verification of Payee outcomes → score APP fraud liability, pre-payment risk, PSR reimbursement exposure, and fraud network propagation → run batch sanctions screening and PEP exposure check → classify seller onboarding, build KYC checklist, score sponsor bank readiness, and check card programme launch readiness. End-to-end neobank and BaaS programme compliance journey.

OpenChainGraph · 15 Steps compliance mandate Hash-Anchored §4 chain_depth:6 Client-Side · Zero PII
Chain Topology — BaaS Provider Comparator + Feature Comparison → PSD3/PSR2 Transition + SCA Check → VoP Simulator → APP Fraud Matrix + Scam Risk + Reimbursement Splitter + Fraud Graph → Sanctions Screening + PEP Check → Onboarding + KYC + Sponsor Bank + Card Programme
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Chain Stages · 15 Steps across 6 Stages
1 ROOT · D0 node
BaaS Provider Comparator 152-baas-provider-comparator
provider_scores,sponsor_bank_recommendation,capability_gaps feed Stage 2 PSD3 transition
MCP Call · baas_provider_comparator
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "baas_provider_comparator",
    "arguments": {}
  },
  "id": 1
}
2 ROOT · D0 node
BaaS Provider Feature Comparison 168-baas-provider-comparison
feature_matrix,api_capability_gap,pricing_delta feed Stage 2 PSD3 transition
MCP Call · compare_baas_providers_features
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "compare_baas_providers_features",
    "arguments": {}
  },
  "id": 1
}
3 D1 node
PSD3 / PSR2 Transition Impact Assessor 343-psd3-psr2-transition-impact-assessor
transition_impact_score,sca_gap_items,timeline_risk feed Stage 2 SCA check
MCP Call · psd3_psr2_transition_assessor
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "psd3_psr2_transition_assessor",
    "arguments": {}
  },
  "id": 1
}
4 D1 node
PSD3 SCA Transition Checker 414-psd3-sca-transition-checker
sca_compliance_status,exemption_applicability,rts_readiness feed Stage 3 VoP
MCP Call · check_psd3_sca_transition
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "check_psd3_sca_transition",
    "arguments": {}
  },
  "id": 1
}
5 D2 node
Verification of Payee Simulator 289-verification-of-payee-simulator
vop_match_rate,false_positive_rate,operational_cost feed Stage 4 APP fraud
MCP Call · simulate_vop_match_outcome
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "simulate_vop_match_outcome",
    "arguments": {}
  },
  "id": 1
}
6 D3 node
liability_decision,reimbursement_obligation,sending_psp_duty feed Stage 4 risk score
MCP Call · app_fraud_matrix
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "app_fraud_matrix",
    "arguments": {}
  },
  "id": 1
}
7 D3 node
APP Scam Pre-Payment Risk Assessor 322-app-scam-risk-assessor
scam_risk_score,warning_flag,intervention_type feed Stage 4 reimbursement split
MCP Call · assess_app_scam_pre_payment_risk
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "assess_app_scam_pre_payment_risk",
    "arguments": {}
  },
  "id": 1
}
8 D3 node
PSR APP Reimbursement Liability Splitter 406-psr-app-reimbursement-liability-splitter
sending_psp_share,receiving_psp_share,claim_eligible feed Stage 4 fraud graph
MCP Call · split_psr_app_reimbursement_liability
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "split_psr_app_reimbursement_liability",
    "arguments": {}
  },
  "id": 1
}
9 D3 node
APP Fraud Graph Simulator mms-03-app-fraud-graph
fraud_network_exposure,psr_cap_impact,propagation_depth feed Stage 5 screening
MCP Call · simulate_app_fraud_graph
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "simulate_app_fraud_graph",
    "arguments": {}
  },
  "id": 1
}
10 D4 node
Batch Sanctions Screening Engine 43-batch-sanctions-screening
screened_counterparties,hit_count,review_list feed Stage 5 PEP check
MCP Call · screen_sanctions_batch
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "screen_sanctions_batch",
    "arguments": {}
  },
  "id": 1
}
11 D4 catalog
PEP & Sanctions Exposure Simulator 112-pep-sanctions-simulator
pep_exposure_score,sanctions_flags,risk_band feed Stage 6 onboarding
12 TERMINAL node
Seller Onboarding Jurisdiction Classifier 149-seller-onboarding-classifier
jurisdiction_requirements,license_needed,passporting_available feed Stage 6 KYC
MCP Call · classify_seller_onboarding_jurisdiction
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "classify_seller_onboarding_jurisdiction",
    "arguments": {}
  },
  "id": 1
}
13 TERMINAL catalog
KYC Document Checklist Builder 114-kyc-document-checklist
kyc_doc_list,verification_steps,cdd_level feed Stage 6 sponsor bank
14 TERMINAL node
Sponsor Bank Readiness Scorer 162-sponsor-bank-readiness-scorer
readiness_score,gap_remediation,go_live_blockers feed Stage 6 card launch
MCP Call · score_sponsor_bank_readiness
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "score_sponsor_bank_readiness",
    "arguments": {}
  },
  "id": 1
}
15 TERMINAL node
Card Programme Launch Readiness Checker 163-card-programme-launch-readiness-checker
launch_ready_flag,programme_checklist — Exports neobank BaaS compliance mandate — final stage
MCP Call · check_card_programme_launch_readiness
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "check_card_programme_launch_readiness",
    "arguments": {}
  },
  "id": 1
}
Export Artifacts
Download the §4 chain definition artifact (hash-anchored composite JSON) or the §13.11 W3C Verifiable Credentials view. Both derive from the chain definition — no new hash is minted. Available after hash computation.