Thirteen deterministic, browser-based rule engines covering the full payments intelligence lifecycle — from fee schedule authoring, credit policy decisioning, and velocity rule calibration through DORA incident classification, network scheme compliance simulation (Visa VAMP / Mastercard DIMP), interchange qualification and least-cost routing, agent guardrail design, A2A corridor risk, and signal auditing. No model calls. No inference. Auditable logic. AP2-compatible JSON mandates for direct MCP and agent runtime ingestion.
Follow the five-stage lifecycle path below or jump directly to any tool group. All tools run in your browser — no account, no data transmission.
A2A liquidity modelling for SMB treasury. Models tax provisions, VAT timing, and A2A corridor liquidity needs. Exports AP2 liquidity mandate. Client-side. Zero PII.
Open ToolTriage A2A payment exceptions across ISO 20022 return reason codes and Swift MT rejection codes. Prioritisation, resolution workflow, and exception triage mandate. Client-side. Zero PII.
Open ToolExtract and assess SPA clauses for tokenized asset transactions. Highlights regulatory risk provisions, smart contract dependencies, and settlement finality obligations. Client-side. Zero PII.
Open ToolAuthor, test, and export AP2 agent guardrail mandates for AI payment agents. Covers spend limits, velocity caps, corridor restrictions, escalation rules, and FAPI 2.0 compliance. Client-side. Zero PII.
Open ToolExtract operative clauses, obligations, and threshold tables from regulatory documents. Structures output for agent ingestion and compliance gap analysis. Supports DORA RTS, PSD3, MiCA, CBDC frameworks. Client-side. Zero PII.
Open ToolSimulate AP2 mandate policy execution against synthetic payment agent scenarios. Test guardrail coverage before production deployment. AP2 mandate export. Client-side. Zero PII.
Open ToolAudit trading signal integrity for AI-driven payment and treasury agents. Flags stale, conflicting, and low-confidence signals before execution. Signal audit mandate export. Client-side. Zero PII.
Open ToolAuthor tiered fee schedules across rail, corridor, amount band, merchant type, customer tier, and volume. Heat-map with cliff detection (default 30%). PSD2 Art. 45 / Reg E disclosure generator. Durbin & L2/L3 flags. Policy Mandate JSON fee_schedule_mandate. Client-side. Zero PII.
Open ToolVisual FICO × DTI × LTV decision table. Gap/conflict detection O(n²). ECOA fairness flag layer. Reg B adverse action reasons per CFPB Circular 2022-03. Champion-Challenger mode for SR 11-7 governance. Policy Mandate JSON credit_policy_mandate. Client-side. Zero PII.
Open ToolAML/fraud velocity rule authoring. Seeded synthetic stream (mulberry32 PRNG). Confusion matrix, deterministic contribution attribution, threshold sensitivity ±2, FATF typology mapping, EBA GL/2021/05 pre-deployment audit trail. Policy Mandate JSON velocity_rule_mandate. Client-side. Zero PII.
Open ToolAll 7 RTS 2024/1772 criteria. Compound Major logic: Condition A (criticality prerequisite) + B1 (data breach) or B2 (≥2 criteria at Major). Live 4h countdown. ITS 2025/302 Annex I notification draft. Proximity warnings. Policy Mandate JSON incident_classification_mandate. Client-side. Zero PII.
Open ToolThree independent compliance dimensions: VAMP ratio, VAAI enumeration rate (Jun 2025), and Mastercard DIMP/VIMP. Phased thresholds (acquirer bands Jan 2026, merchant Apr 2026). Grace period, enforcement fee exposure, what-if scenarios, remediation plan. Policy Mandate JSON scheme_compliance_mandate. Client-side. Zero PII.
Open ToolMap card attributes to Visa/Mastercard interchange tiers (Apr 2025 public schedules). Downgrade risk detection. LCR rule auto-generation (Durbin/RBA → L3 → L2 → 3DS2 → default). L2/L3 field matrix. Portfolio savings estimate. Policy Mandate JSON routing_policy_mandate. Client-side. Zero PII.
Open ToolRBE·04 consumes the outputs of the other five rule engines as policy constraints for AI payment agents. The resulting Policy Mandate JSON agent_guardrail_mandate covers fee schedule limits (RBE·08), credit approval triggers (RBE·09), velocity and fraud thresholds (RBE·10), DORA operational risk boundaries (RBE·11), scheme compliance headroom (RBE·12), and interchange routing rules (RBE·13). Export a single validated mandate deployable directly into your agent runtime via the AINumbers.co MCP server.
Build AP2 Agent Guardrail Mandate →Last reviewed: May 2026 · 13 tools · RBE Deterministic Intelligence Suite
Use RBE·04 to build agent guardrail mandates. Use RBE·06 to stress-test mandate coverage. Use RBE·08 and RBE·13 to feed interchange cost floors and fee schedule constraints into your agent pricing layer.
Use RBE·09 to author FICO × DTI × LTV decision tables with gap detection, ECOA fairness flags, and Reg B adverse action reason generation per CFPB Circular 2022-03. Use Champion-Challenger mode for SR 11-7 governance.
Use RBE·10 to author AML/fraud velocity rules against a seeded synthetic stream with configurable time-of-day patterns. Generates confusion matrices, deterministic contribution attribution, and a pre-deployment audit trail per EBA GL/2021/05.
Use RBE·11 to classify ICT incidents against all 7 RTS 2024/1772 criteria. The live 4-hour countdown and ITS 2025/302 Annex I notification draft auto-populate so you can move from detection to initial notification submission within the 4-hour window.
Use RBE·12 to simulate VAMP ratio, VAAI enumeration rate, and DIMP position across phased enforcement timelines. Use RBE·08 to author merchant-facing fee schedules. Cross-reference with RBE·13 interchange optimisation to manage margin.
Use RBE·13 to map your card portfolio to interchange tiers, identify downgrade risks, build a Durbin/RBA-compliant LCR rule set, generate the L2/L3 data eligibility matrix, and compute the annual interchange savings estimate.
Start with RBE·08 — Fee Schedule Authoring Engine. Load sample rules or build from scratch across your rail and corridor mix. Set cliff detection to 30% and enable L2/L3 indicators for commercial card rows. Then use RBE·13 to verify the interchange cost floor beneath each fee row.
Open RBE·09 — Credit Policy Decision Table Builder. Load the sample policy (FICO × DTI, 6×6 matrix) or configure your own dimensions. Enable Champion-Challenger mode before your governance committee meeting — the divergence table and net approval rate delta export as an SR 11-7-formatted Markdown document.
Open RBE·10 — Velocity Rule Simulator. Load the four sample AML rules or define your own. Set the random seed (default: 42) for a reproducible stream. Set the time distribution to "Business Hours" if your transactions are daytime-heavy. Share the EBA GL/2021/05 pre-deployment audit trail with your model governance team.
Open RBE·11 — DORA Incident Classifier. Click "Load Major Scenario" to verify the tool works. Then enter your actual incident values. The classification time you enter starts the live 4-hour countdown. If Major: the ITS 2025/302 Annex I notification draft auto-populates — complete the three freetext fields before filing with your NCA.
Open RBE·13 — Interchange Qualification & LCR Builder. Select your country — the context box explains applicable regulations (Durbin, EU IFR, RBA). Set your card mix and processing capability toggles. Click "Auto-Generate" to build LCR rules from your portfolio. Use the transaction simulator to find downgrade risks on your highest-volume transaction type.
All 13 tools expose structured outputs compatible with the AINumbers MCP manifest. 11 of 13 tools emit validated Policy Mandates for direct agent runtime ingestion.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| RBE·01 | model_smb_treasury_a2a_liquidity | tax_provisions[], vat_timing, corridors[] | liquidity_mandate, ap2_export |
| RBE·02 | triage_a2a_payment_exceptions | exceptions[], return_codes[], swift_rejects[] | exception_triage_mandate, priority_queue |
| RBE·03 | extract_spa_tokenized_asset_clauses | spa_text, asset_type, jurisdiction | risk_provisions[], smart_contract_deps[], settlement_obligations[] |
| RBE·04 | build_agent_payment_policy_guardrail | fee_schedule_mandate, credit_policy_mandate, velocity_mandate, dora_mandate, scheme_mandate, routing_mandate | agent_guardrail_mandate, ap2_export |
| RBE·05 | extract_regulatory_doc_clauses | doc_text, framework_type, jurisdiction | obligations[], thresholds[], gap_analysis[] |
| RBE·06 | simulate_agent_mandate_policy | mandate{}, scenarios[], test_vectors[] | agent_mandate, coverage_report, ap2_export |
| RBE·07 | audit_trading_signal_integrity | signals[], confidence_thresholds{}, staleness_window | signal_audit_mandate, flags[], ap2_export |
| RBE·08 | author_payment_fee_schedule | rails[], corridors[], amount_bands[], cliff_threshold | fee_schedule_mandate, cliff_alerts[], psd2_disclosure, ap2_export |
| RBE·09 | build_credit_policy_decision_table | fico_bands[], dti_bands[], ltv_bands[], fairness_flags | credit_policy_mandate, gap_conflicts[], adverse_action_reasons[], ap2_export |
| RBE·10 | simulate_velocity_rules | rules[], seed, time_distribution, fatf_typologies[] | velocity_rule_mandate, confusion_matrix, audit_trail_eba, ap2_export |
| RBE·11 | classify_dora_ict_incident | criteria{7}, classification_time, incident_type | incident_classification_mandate, its_annex_i_draft, countdown_4h, ap2_export |
| RBE·12 | simulate_scheme_compliance_thresholds | vamp_ratio, vaai_rate, dimp_score, enforcement_band | scheme_compliance_mandate, fee_exposure, remediation_plan, ap2_export |
| RBE·13 | build_interchange_qualification_ruleset | card_mix[], country, processing_capabilities{}, l2_l3_eligible | routing_policy_mandate, lcr_rules[], downgrade_risks[], savings_estimate, ap2_export |