{
      "name": "pi-emi-authorisation",
      "domain": "BaaS & Embedded Finance",
      "title": "PI/EMI Authorisation — PSD2/PSRs",
      "description": "PI authorisation readiness > EMI capital requirements > PI own funds (PSD2 Art.9) > PSP safeguarding assessment > PSR APP reimbursement liability.",
      "composer_url": "https://ainumbers.co/guides/pi-emi-authorisation-composer.html",
      "steps": [
        {
          "tool_id": "404-payment-institution-authorisation-readiness-checker",
          "handoff": "readiness_gaps and business_volumes feed Stage 2 capital calc"
        },
        {
          "tool_id": "405-emi-capital-requirements-calculator",
          "handoff": "emi_capital_requirement and method_results feed Stage 3 own funds"
        },
        {
          "tool_id": "418-pi-own-funds-calculator",
          "handoff": "own_funds_requirement feeds Stage 4 safeguarding assessment"
        },
        {
          "tool_id": "269-psp-safeguarding-assessment",
          "handoff": "safeguarding_method and shortfall feed Stage 5 APP liability"
        },
        {
          "tool_id": "406-psr-app-reimbursement-liability-splitter",
          "handoff": "Exports composite PI/EMI authorisation Policy Mandate -- final stage"
        }
      ]
    }