OpenChainGraph Suite · CONTRACT A3 · arch #5

Neobank & BaaS Launch Chain

Note (dated 2026-08-04): a chain composes independent computations performed in an analytical order. No step's output is carried into the next step by the execution model; each step computes from its own declared inputs. This is true of every chain on this site, including chains whose per-step copy below reads as a data handoff.
Reading mode (READINESS-BUILD): These checks can be gathered in any order; the sequence below is for convenience. Fifteen independent checks (sponsor comparison, transition impact, fraud scoring, screening, onboarding classification, and more) are each scored on their own and bundled into one end-to-end launch-readiness journey.

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.