{
      "name": "card-programme",
      "domain": "Card & Payment Economics",
      "title": "Card Programme",
      "description": "Launch readiness > interchange qualification > PCI-DSS scope > 3DS/EMV compliance > scheme fee benchmarking.",
      "composer_url": "https://ainumbers.co/guides/card-programme-composer.html",
      "steps": [
        {
          "tool_id": "163-card-programme-launch-readiness-checker",
          "handoff": "readiness_score and gap_list feed Stage 2 interchange qualification"
        },
        {
          "tool_id": "225-visa-mc-interchange-qualification-tester",
          "handoff": "ic_category and qualification_flags feed Stage 3 PCI scope"
        },
        {
          "tool_id": "226-pci-dss-v4-scope-wizard",
          "handoff": "scope_components and cde_boundaries feed Stage 4 3DS/EMV check"
        },
        {
          "tool_id": "228-3ds-emv-compliance-checker",
          "handoff": "compliance_status and exemptions feed Stage 5 scheme benchmarking"
        },
        {
          "tool_id": "233-card-scheme-fee-benchmarking",
          "handoff": "Exports card programme Policy Mandate -- final stage"
        }
      ]
    }