{
      "name": "embedded-finance-licensing",
      "domain": "BaaS & Embedded Finance",
      "title": "Embedded Finance Licensing",
      "description": "Seller onboarding classification > MTL licensing risk mapping > fintech compliance control mapping > sponsor-bank readiness scoring: composite embedded finance licensing mandate.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/embedded-finance-licensing.html",
      "steps": [
        {
          "tool_id": "149-seller-onboarding-classifier",
          "handoff": "seller_classification and licensing_threshold feed Stage 2 MTL licensing risk mapping"
        },
        {
          "tool_id": "150-mtl-licensing-risk-mapper",
          "handoff": "mtl_risk_score and state_by_state_requirements feed Stage 3 compliance control mapping"
        },
        {
          "tool_id": "158-fintech-compliance-control-mapper",
          "handoff": "compliance_controls and gap_assessment feed Stage 4 sponsor-bank readiness scoring"
        },
        {
          "tool_id": "162-sponsor-bank-readiness-scorer",
          "handoff": "sponsor_bank_readiness and composite_licensing_mandate — final embedded finance mandate"
        }
      ]
    }