{
      "tool_id": "sim-07-open-banking-consent-flow-stress",
      "tool_version": "1.0.0",
      "display_name": "Open Banking Consent Flow Stress Simulator",
      "mcp_name": "simulate_consent_stress",
      "mandate_type": "compliance_mandate",
      "wave": 3,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/sim-07-open-banking-consent-flow-stress.html",
      "description": "Monte Carlo stress simulation of PSD2/FAPI 2.0/CDR consent lifecycle FSM (INIT→REDIRECT→AUTH→AUTHORIZED→ACTIVE→FAILED/EXPIRED/REVOKED). Configurable failure probabilities per transition stage, terminal state distribution, ASPSP SCA availability compliance check (95% threshold). Chains from PNR-01 (DORA ICT cascade).",
      "input_schema_ref": "chaingraph/sim-07-open-banking-consent-flow-stress.html#manifest",
      "deadline": null,
      "deadline_note": "PSD2 RTS Art.32/33 ASPSP availability obligations in force; FAPI 2.0 live; CDR ongoing in AU",
      "consumes": [
        "pnr-01-dora-ict-cascade-simulator"
      ],
      "feeds": [
        "ptg-01-ap2-prompt-template-generator"
      ],
      "status": "live",
      "conformance_fixtures": false,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:0b2c97e4308777a28ab7fc66df7d263499547d2376a2465fc7b415effd195189","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-06-28"}],
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "FTv4qxp8aynTHi3lqnFqlVc4/A9t3mN/wdGPKlDRf6AT4lBP1UJs4sw4vVIdoN4iNDeMloXGwet4wObbI4KlRR+PAasZCOUOApm/KOCHTK5xV1idisfiTWv8zejWFNPHLXR2UsiY9qFMgaXpEhsfxEmGhT4tgZVn/UQiDacd6kMFAtPTvwydbA3j0ymgY+4kyslNlZYylGFVUWE/YQ1vjwO0v+vEtWu/vpepMAaNnZsuHnFJl3I6OONsNasiskLaLkgGP5jzUmIWh7KyD7+YE55TIGHg32qXOxoImDEoT2gC2kz++wzcFfad2cAImtvwjyYoZ9c5a1yebFZIEla3Dg==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:0b2c97e4308777a28ab7fc66df7d263499547d2376a2465fc7b415effd195189",
          "output": {
            "consents_active": 414,
            "consents_expired": 21,
            "consents_failed": 43,
            "consents_revoked": 22,
            "mean_fsm_steps": 4.57,
            "regulatory_regime": "psd2",
            "stage_failures": {
              "auth": 27,
              "redirect": 11,
              "token": 5
            },
            "success_rate": 0.828,
            "total_flows": 500,
            "verdict": "CRITICAL — Consent API Below Regulatory Threshold"
          }
        }
      },
      "export_capability": [
        "xlsx",
        "csv",
        "pdf",
        "xbrl:ocg-ext"
      ]
    }