{
      "name": "neobank-baas",
      "domain": "BaaS & Embedded Finance",
      "title": "Neobank & BaaS Launch Chain",
      "description": "Compare BaaS sponsor bank providers → assess PSD3/PSR2 transition impact and SCA requirements → simulate Verification of Payee outcomes → score APP fraud liability, 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.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/neobank-baas.html",
      "steps": [
        {
          "tool_id": "152-baas-provider-comparator",
          "handoff": "provider_scores,sponsor_bank_recommendation,capability_gaps feed Stage 2 PSD3 transition"
        },
        {
          "tool_id": "168-baas-provider-comparison",
          "handoff": "feature_matrix,api_capability_gap,pricing_delta feed Stage 2 PSD3 transition"
        },
        {
          "tool_id": "343-psd3-psr2-transition-impact-assessor",
          "handoff": "transition_impact_score,sca_gap_items,timeline_risk feed Stage 2 SCA check"
        },
        {
          "tool_id": "414-psd3-sca-transition-checker",
          "handoff": "sca_compliance_status,exemption_applicability,rts_readiness feed Stage 3 VoP"
        },
        {
          "tool_id": "289-verification-of-payee-simulator",
          "handoff": "vop_match_rate,false_positive_rate,operational_cost feed Stage 4 APP fraud"
        },
        {
          "tool_id": "26-app-fraud-matrix",
          "handoff": "liability_decision,reimbursement_obligation,sending_psp_duty feed Stage 4 risk score"
        },
        {
          "tool_id": "322-app-scam-risk-assessor",
          "handoff": "scam_risk_score,warning_flag,intervention_type feed Stage 4 reimbursement split"
        },
        {
          "tool_id": "406-psr-app-reimbursement-liability-splitter",
          "handoff": "sending_psp_share,receiving_psp_share,claim_eligible feed Stage 4 fraud graph"
        },
        {
          "tool_id": "mms-03-app-fraud-graph",
          "handoff": "fraud_network_exposure,psr_cap_impact,propagation_depth feed Stage 5 screening"
        },
        {
          "tool_id": "43-batch-sanctions-screening",
          "handoff": "screened_counterparties,hit_count,review_list feed Stage 5 PEP check"
        },
        {
          "tool_id": "112-pep-sanctions-simulator",
          "handoff": "pep_exposure_score,sanctions_flags,risk_band feed Stage 6 onboarding"
        },
        {
          "tool_id": "149-seller-onboarding-classifier",
          "handoff": "jurisdiction_requirements,license_needed,passporting_available feed Stage 6 KYC"
        },
        {
          "tool_id": "114-kyc-document-checklist",
          "handoff": "kyc_doc_list,verification_steps,cdd_level feed Stage 6 sponsor bank"
        },
        {
          "tool_id": "162-sponsor-bank-readiness-scorer",
          "handoff": "readiness_score,gap_remediation,go_live_blockers feed Stage 6 card launch"
        },
        {
          "tool_id": "163-card-programme-launch-readiness-checker",
          "handoff": "launch_ready_flag,programme_checklist -- Exports neobank BaaS compliance mandate -- final stage"
        }
      ]
    }