{ "schema_version": "mcp-catalog-v1", "server_id": "ainumbers-fintech-suite", "name": "AINumbers Fintech Intelligence Suite", "description": "487 client-side fintech tools covering ISO 20022, A2A payments, CFPB \u00a71033, EU AI Act, DORA, AML/KYC, BaaS, DLT, agentic payments (AP2, ACP, x402, Visa TAP, Mastercard Agent Pay), and MCP developer tooling. All tools run in the browser \u2014 execution_type is browser-reference: provide the URL and inputs to the user for interactive use.", "base_url": "https://ainumbers.co", "generated": "2026-06-22", "tool_count": 487, "tools": [ { "name": "calculate_a2a_fee_route", "description": "Calculate A2A rail costs vs card and return the optimal route recommendation. Input volume, average transaction, card rate, urgency, and use case. Returns best rail, annual savings, and route confidence. Use when an agent needs to compare payment rail costs for a specific transaction profile.", "inputSchema": { "type": "object", "required": [ "volume", "avgTxn", "cardRate" ], "properties": { "volume": { "type": "number" }, "avgTxn": { "type": "number" }, "cardRate": { "type": "number" }, "urgency": { "type": "string" } } }, "metadata": { "tool_id": "a2a-fee-calculator", "category": "core-infrastructure", "tags": [ "A2A", "fee", "FedNow", "RTP", "ACH", "routing", "cost", "interchange" ], "url": "https://ainumbers.co/tools/01-a2a-fee-route-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_iso20022_message", "description": "Build and validate an ISO 20022 payment message from structured inputs. Returns validation status, field-level errors, generated XML, and a pilot implementation brief. Use when an agent needs to construct or validate an ISO 20022 message payload.", "inputSchema": { "type": "object", "required": [ "msgType" ], "properties": { "msgType": { "type": "string" }, "amount": { "type": "number" }, "currency": { "type": "string" }, "debtorBIC": { "type": "string" }, "creditorBIC": { "type": "string" } } }, "metadata": { "tool_id": "iso20022-builder", "category": "core-infrastructure", "tags": [ "ISO 20022", "pacs.008", "pain.001", "camt.053", "XML", "SWIFT", "SEPA", "builder" ], "url": "https://ainumbers.co/tools/02-iso20022-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "audit_consent_compliance", "description": "Audit an open banking consent configuration against a specified regulatory regime. Returns compliance score, pass/warn/fail breakdown per rule, and a JWT receipt. Use when an agent needs to validate that a consent scope and duration configuration is regulatory-compliant.", "inputSchema": { "type": "object", "required": [ "scopes", "regime" ], "properties": { "scopes": { "type": "array", "items": { "type": "string" } }, "regime": { "type": "string", "enum": [ "psd2", "uk", "us", "au" ] }, "duration": { "type": "number" }, "renewal": { "type": "string" } } }, "metadata": { "tool_id": "consent-compliance-auditor", "category": "compliance-consent", "tags": [ "consent", "PSD2", "open banking", "CFPB 1033", "CDR", "JWT", "compliance" ], "url": "https://ainumbers.co/tools/03-consent-compliance-auditor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "simulate_fraud_score", "description": "Run a fraud scoring simulation on a transaction parameter set. Returns score (0-100), risk band, recommended action, and the rules that fired. Use when an agent needs to assess the fraud risk of a transaction before authorisation.", "inputSchema": { "type": "object", "required": [ "amount" ], "properties": { "amount": { "type": "number" }, "velocity_1h": { "type": "number" }, "device_match": { "type": "boolean" }, "country_risk": { "type": "string" } } }, "metadata": { "tool_id": "fraud-score-simulator", "category": "fraud-risk", "tags": [ "fraud", "scoring", "ML", "explainability", "velocity", "device", "AML" ], "url": "https://ainumbers.co/tools/04-fraud-score-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "invoice_a2a_suite", "description": "Parse invoices into Pay-by-Bank links and reconcile A2A payments against invoices. Client-side only, zero PII transmitted. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/05-invoice-a2a-suite.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "05-invoice-a2a-suite", "category": "fraud-risk", "tags": [], "url": "https://ainumbers.co/tools/05-invoice-a2a-suite.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fednow_lookup", "description": "Search all 1,705 FedNow-participating financial institutions by name, city, or state. Coverage stats, CSV export. Client-side only, zero PII. AINumbers.co. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/06-fednow-lookup.html for interactive use.", "inputSchema": { "type": "object", "properties": { "search-name": { "type": "string" }, "search-rtn": { "type": "string" }, "filter-state": { "type": "string" }, "filter-cap": { "type": "string" } } }, "metadata": { "tool_id": "06-fednow-lookup", "category": "realtime-payments", "tags": [], "url": "https://ainumbers.co/tools/06-fednow-lookup.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "validate_ach_nacha_file", "description": "Validate a NACHA ACH file against the full NACHA Operating Rules specification. Returns validation status, error and warning counts, batch statistics, and debit/credit totals. Use when an agent needs to verify an ACH file before submission to an ODFI.", "inputSchema": { "type": "object", "required": [ "fileContent" ], "properties": { "fileContent": { "type": "string" }, "returnCode": { "type": "string" } } }, "metadata": { "tool_id": "ach-nacha-validator", "category": "compliance-consent", "tags": [ "ACH", "NACHA", "validation", "return codes", "batch", "file format" ], "url": "https://ainumbers.co/tools/07-ach-nacha-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "prototype_pay_by_bank_checkout", "description": "Generate a pay-by-bank checkout configuration with conversion score, friction point analysis, and UX recommendations. Use when an agent needs to evaluate or configure a bank payment checkout flow.", "inputSchema": { "type": "object", "properties": { "brandName": { "type": "string" }, "consentStyle": { "type": "string" }, "bankCount": { "type": "number" } } }, "metadata": { "tool_id": "pay-by-bank-prototyper", "category": "ops-monitoring", "tags": [ "pay-by-bank", "checkout", "UX", "conversion", "open banking", "A2A" ], "url": "https://ainumbers.co/tools/08-pay-by-bank-prototyper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "reconcile_a2a_payments", "description": "Match bank statement entries against internal ledger entries using exact and fuzzy matching. Returns match rate, unmatched counts, net difference, and exception aging. Use when an agent needs to identify reconciliation breaks between bank and ledger records.", "inputSchema": { "type": "object", "required": [ "bankRows", "ledgerRows" ], "properties": { "bankRows": { "type": "array" }, "ledgerRows": { "type": "array" }, "tolerance": { "type": "number" } } }, "metadata": { "tool_id": "a2a-reconciliation-workbench", "category": "core-infrastructure", "tags": [ "reconciliation", "A2A", "matching", "exceptions", "ISO 20022", "NACHA", "SEPA" ], "url": "https://ainumbers.co/tools/09-a2a-reconciliation-workbench.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "simulate_api_rate_limit", "description": "Simulate an Open Banking API rate-limiting policy and generate retry/backoff implementation code. Returns allowed vs throttled request counts and throttle rate. Use when an agent needs to configure or validate an API rate-limiting strategy.", "inputSchema": { "type": "object", "required": [ "policy", "rpm" ], "properties": { "policy": { "type": "string" }, "rpm": { "type": "number" }, "burst": { "type": "number" } } }, "metadata": { "tool_id": "open-banking-api-explorer", "category": "open-banking-apis", "tags": [ "open banking", "API", "rate limiting", "token bucket", "retry", "PSD2", "UK OB" ], "url": "https://ainumbers.co/tools/10-open-banking-api-explorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_vrp_mandate", "description": "Build a VRP mandate to UK Open Banking specification and validate SEPA payment parameters. Returns mandate JSON, IBAN/BIC validation results, and SEPA reachability status. Use when an agent needs to set up a recurring payment mandate.", "inputSchema": { "type": "object", "properties": { "mandateType": { "type": "string" }, "creditorIBAN": { "type": "string" }, "maxAmount": { "type": "number" }, "maxAmountPeriod": { "type": "string" } } }, "metadata": { "tool_id": "vrp-mandate-sepa-validator", "category": "compliance-consent", "tags": [ "VRP", "SEPA", "IBAN", "BIC", "mandate", "open banking", "UK", "direct debit" ], "url": "https://ainumbers.co/tools/11-vrp-mandate-sepa-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_fee_benchmark_report", "description": "Benchmark current payment rail costs against A2A alternatives. Returns best rail, maximum annual saving, cost comparison table, and a narrative executive summary. Use when an agent needs to build a cost-reduction business case for a CFO or board.", "inputSchema": { "type": "object", "required": [ "currentRail", "annualVolume", "avgTransaction" ], "properties": { "currentRail": { "type": "string" }, "annualVolume": { "type": "number" }, "avgTransaction": { "type": "number" }, "currentRate": { "type": "number" } } }, "metadata": { "tool_id": "fee-benchmark-report", "category": "core-infrastructure", "tags": [ "fee", "benchmark", "A2A", "FedNow", "RTP", "SEPA", "cost analysis", "report" ], "url": "https://ainumbers.co/tools/12-fee-benchmark-report.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "map_payment_journey", "description": "Generate a payment journey map with failure point analysis and mitigation guidance for a specified payment type. Returns journey steps, failure counts, and severity breakdown. Use when an agent needs to document or analyse a payment flow.", "inputSchema": { "type": "object", "required": [ "template" ], "properties": { "template": { "type": "string" } } }, "metadata": { "tool_id": "payment-journey-mapper", "category": "ops-monitoring", "tags": [ "payment journey", "flow", "failure points", "A2A", "SWIFT", "SEPA", "card", "mapping" ], "url": "https://ainumbers.co/tools/13-payment-journey-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "export_ops_threshold_config", "description": "Export the current ops dashboard alert threshold configuration as an AP2 mandate. Returns current metric values and the configured warn/critical thresholds for TPM, latency, and failure rate. Use when an agent needs to capture or apply ops monitoring configuration.", "inputSchema": { "type": "object", "properties": { "failRate_warn": { "type": "number" }, "failRate_crit": { "type": "number" }, "latency_warn_ms": { "type": "number" }, "latency_crit_ms": { "type": "number" } } }, "metadata": { "tool_id": "realtime-ops-dashboard", "category": "ops-monitoring", "tags": [ "ops", "dashboard", "SLA", "FedNow", "RTP", "ACH", "SEPA", "monitoring", "thresholds" ], "url": "https://ainumbers.co/tools/14-realtime-ops-dashboard.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "generate_synthetic_test_data", "description": "Generate synthetic A2A payment test data in ISO 20022, NACHA ACH, or JSON format. Returns record count, error injection breakdown, and download-ready CSV/JSON. Use when an agent needs test data for payment system validation.", "inputSchema": { "type": "object", "required": [ "format", "count" ], "properties": { "format": { "type": "string", "enum": [ "iso20022", "nacha", "json" ] }, "count": { "type": "number" }, "rail": { "type": "string" }, "dupRate": { "type": "number" }, "retRate": { "type": "number" } } }, "metadata": { "tool_id": "synthetic-test-data-gen", "category": "core-infrastructure", "tags": [ "synthetic data", "test data", "pacs.008", "NACHA", "ACH", "ISO 20022", "testing" ], "url": "https://ainumbers.co/tools/15-synthetic-test-data-gen.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "validate_iban_bic", "description": "Validate an IBAN using MOD 97 check digit and a BIC against SWIFT format rules. Returns validation status, country, bank code, and SEPA reachability. Also supports batch IBAN validation. Use when an agent needs to verify payment account identifiers before initiating a transfer.", "inputSchema": { "type": "object", "properties": { "iban": { "type": "string" }, "bic": { "type": "string" } } }, "metadata": { "tool_id": "iban-bic-validator", "category": "open-banking-apis", "tags": [ "IBAN", "BIC", "SWIFT", "SEPA", "validation", "account", "ISO 13616" ], "url": "https://ainumbers.co/tools/16-iban-bic-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "lookup_instant_payment_limits", "description": "Look up transaction limits, availability, and settlement finality for instant payment rails. Filter by region, currency, or minimum limit. Returns structured rail data for comparison. Use when an agent needs authoritative limit and availability data for payment rail selection.", "inputSchema": { "type": "object", "properties": { "region": { "type": "string" }, "currency": { "type": "string" }, "compareIds": { "type": "array", "items": { "type": "string" } } } }, "metadata": { "tool_id": "instant-payment-limits", "category": "ops-monitoring", "tags": [ "instant payments", "limits", "FedNow", "RTP", "SEPA Instant", "Faster Payments", "PIX", "reference" ], "url": "https://ainumbers.co/tools/17-instant-payment-limits.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "generate_a2a_compliance_checklist", "description": "Generate a compliance checklist for an A2A payment implementation. Returns all checklist items with priority, regulatory reference, and completion status. Use when an agent needs a structured compliance task list for a new A2A payment product.", "inputSchema": { "type": "object", "required": [ "jurisdiction", "useCase", "entityType" ], "properties": { "jurisdiction": { "type": "string" }, "useCase": { "type": "string" }, "entityType": { "type": "string" } } }, "metadata": { "tool_id": "a2a-compliance-checklist", "category": "compliance-consent", "tags": [ "compliance", "checklist", "A2A", "AML", "KYC", "licensing", "NACHA", "PSD2" ], "url": "https://ainumbers.co/tools/18-a2a-compliance-checklist.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "calculate_nostro_roi", "description": "Calculate ROI from nostro/vostro A2A migration. Returns total annual saving, savings breakdown (float, fees, FX), payback period, and 5-year NPV. Use when an agent needs to build a board-level business case for correspondent banking modernisation.", "inputSchema": { "type": "object", "required": [ "nostroBalance", "costOfFunds", "correspondentFees" ], "properties": { "nostroBalance": { "type": "number" }, "costOfFunds": { "type": "number" }, "correspondentFees": { "type": "number" } } }, "metadata": { "tool_id": "nostro-roi-memo", "category": "treasury-strategy", "tags": [ "nostro", "vostro", "ROI", "correspondent banking", "A2A", "treasury", "board memo" ], "url": "https://ainumbers.co/tools/19-nostro-roi-memo.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "failure_analyser", "description": "Paste or upload raw A2A payment logs, get automated root-cause analysis, failure pattern clustering, return-code breakdowns, and a markdown RCA report. Client-side only, zero PII retained. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/20-failure-analyser.html for interactive use.", "inputSchema": { "type": "object", "properties": { "log-input": { "type": "string" }, "file-input": { "type": "string" }, "opt-rail": { "type": "string" }, "opt-date-col": { "type": "string" }, "opt-amt-col": { "type": "string" } } }, "metadata": { "tool_id": "20-failure-analyser", "category": "core-infrastructure", "tags": [], "url": "https://ainumbers.co/tools/20-failure-analyser.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "emerging_corridor_sheet", "description": "Fast reference for US/EU banks exploring local A2A and fast-payment infrastructure in LatAm, Africa, Caribbean, and South Asia before launching a tokenized A2A pilot. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/21-emerging-corridor-sheet.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "21-emerging-corridor-sheet", "category": "ops-monitoring", "tags": [], "url": "https://ainumbers.co/tools/21-emerging-corridor-sheet.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "decline_code_decoder", "description": "Instantly decode cryptic payment decline codes across ACH/NACHA, FedNow/RTP, SEPA, Card, and Tokenized A2A rails. Plain-English explanations and step-by-step recovery guidance. Client-side only, zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/22-decline-code-decoder.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "22-decline-code-decoder", "category": "ops-monitoring", "tags": [], "url": "https://ainumbers.co/tools/22-decline-code-decoder.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "corridor_savings_calc", "description": "Calculate and compare cross-border A2A payment costs across traditional correspondent banking, fintech, stablecoin, and tokenized A2A rails. Client-side only, zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/23-corridor-savings-calc.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "23-corridor-savings-calc", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/23-corridor-savings-calc.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "churn_analyzer", "description": "Quantify the ROI of migrating subscription payments from cards to A2A/VRP rails. Plain-text summary of recovered revenue, payback period, and churn reduction. Client-side only, zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/24-churn-analyzer.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "24-churn-analyzer", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/24-churn-analyzer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "payment_reference_gen", "description": "Generate valid ISO 20022 End-to-End IDs, NACHA Individual IDs, SEPA UET references, and UPI QR references \u2014 with format validation and best-practice guidance. Client-side only, zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/25-payment-reference-gen.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "25-payment-reference-gen", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/25-payment-reference-gen.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "app_fraud_matrix", "description": "Interactive decision tree for A2A fraud liability splits under UK PSR 2026, US Reg E, and EU PSD2. Outputs plain-text claim summary with regulatory rationale. Client-side only, zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/26-app-fraud-matrix.html for interactive use.", "inputSchema": { "type": "object", "properties": { "jurisdiction": { "type": "string" }, "fraud_type": { "type": "string" }, "scam_category": { "type": "string" }, "is_vulnerable": { "type": "string" }, "ignored_warning": { "type": "string" }, "claim_amount": { "type": "string" }, "claim_timing": { "type": "string" } } }, "metadata": { "tool_id": "26-app-fraud-matrix", "category": "realtime-payments", "tags": [], "url": "https://ainumbers.co/tools/26-app-fraud-matrix.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "settlement_finality", "description": "Calculate and compare settlement risk profiles across A2A rails \u2014 quantifying reversal windows, finality scores, and credit exposure. Client-side only, zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/27-settlement-finality.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "27-settlement-finality", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/27-settlement-finality.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "bin_iin_intelligence_workbench", "description": "Decode Bank Identification Numbers without an API key. Luhn-validate PANs, identify card network, infer card type, flag SCA applicability, map interchange tier. Batch CSV mode. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/37-bin-iin-intelligence-workbench.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "37-bin-iin-intelligence-workbench", "category": "fraud-risk", "tags": [], "url": "https://ainumbers.co/tools/37-bin-iin-intelligence-workbench.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "chargeback_representment_builder", "description": "Build chargeback representment packages for Visa, Mastercard, Amex, Discover. Reason code intelligence, CE 3.0 checker, win-probability estimator, letter templates. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/41-chargeback-representment-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "41-chargeback-representment-builder", "category": "fraud-risk", "tags": [], "url": "https://ainumbers.co/tools/41-chargeback-representment-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "cashflow_forecaster_stress_lab", "description": "13-week rolling and 12-month cash flow workbench. Stackable stress scenarios. Runway warnings. Export CSV, PDF memo, AP2 JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/42-cashflow-forecaster-stress-lab.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "42-cashflow-forecaster-stress-lab", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/42-cashflow-forecaster-stress-lab.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "batch_sanctions_screening", "description": "Screen names, entities, and identifiers against OFAC SDN, OFSI, UN, and EU consolidated sanctions lists. Batch up to 500 records. Fuzzy-match. Policy Mandate. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/43-batch-sanctions-screening.html for interactive use.", "inputSchema": { "$schema": "http://json-schema.org/draft-07/schema#", "type": "object", "required": [ "records", "lists", "threshold" ], "properties": { "records": { "type": "array", "items": { "type": "object", "required": [ "name" ], "properties": { "name": { "type": "string", "minLength": 2, "maxLength": 200 }, "type": { "type": "string", "enum": [ "individual", "entity", "vessel", "unknown" ] }, "country": { "type": "string" }, "ref_id": { "type": "string" } } }, "minItems": 1, "maxItems": 500 }, "lists": { "type": "array", "items": { "type": "string", "enum": [ "ofac", "ofsi", "un", "eu" ] }, "minItems": 1 }, "threshold": { "type": "number", "minimum": 60, "maximum": 99, "default": 85 }, "algorithm": { "type": "string", "enum": [ "jaro", "lev", "token" ], "default": "jaro" }, "include_aliases": { "type": "boolean", "default": true } } }, "metadata": { "tool_id": "43-batch-sanctions-screening", "category": "compliance-consent", "tags": [], "url": "https://ainumbers.co/tools/43-batch-sanctions-screening.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "subscription_dunning_optimizer", "description": "Simulate subscription payment failures and dunning recovery sequences. Model retry logic, email/SMS cadence, billing cycle optimization. Export Policy Mandate and board memo. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/45-subscription-dunning-optimizer.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "45-subscription-dunning-optimizer", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/45-subscription-dunning-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "payment_roi_business_case", "description": "Build board-ready payment investment business cases. NPV, IRR, payback period. 3-scenario modelling. Card vs A2A, ACH vs real-time, build vs buy comparisons. Export PDF memo and Policy Mandate JSON. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/46-payment-roi-business-case.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "46-payment-roi-business-case", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/46-payment-roi-business-case.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "options_pnl_analyzer", "description": "Full Black-Scholes options pricing engine with all five Greeks. 10 prebuilt strategies. Interactive payoff diagram with expiry and current-value curves. Probability of profit. Client-side. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/47-options-pnl-analyzer.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "47-options-pnl-analyzer", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/47-options-pnl-analyzer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "personal_finance_simulator", "description": "Net worth trajectory, debt payoff (snowball vs avalanche), retirement projections with 401k/IRA, tax impact estimator, and what-if scenario comparisons. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/48-personal-finance-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "48-personal-finance-simulator", "category": "personal-finance", "tags": [], "url": "https://ainumbers.co/tools/48-personal-finance-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "portfolio_financed_emissions_pcaf", "description": "Calculate PCAF financed emissions across 7 asset classes. PCAF data quality scoring. Scope 1/2/3 breakdown. Divestment scenario modelling. SFDR/CSRD executive summary export. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/49-portfolio-financed-emissions-pcaf.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "49-portfolio-financed-emissions-pcaf", "category": "esg", "tags": [], "url": "https://ainumbers.co/tools/49-portfolio-financed-emissions-pcaf.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "trade_finance_lc_analyser", "description": "Parse and validate Letters of Credit against UCP 600. Decode SWIFT MT700 messages. Incoterms 2020 selector. Discrepancy checker. Export report as Markdown. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/50-trade-finance-lc-analyser.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "50-trade-finance-lc-analyser", "category": "esg", "tags": [], "url": "https://ainumbers.co/tools/50-trade-finance-lc-analyser.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "vdcap_payload_auditor", "description": "Audit CNP payment payloads against Visa April 2026 VDCAP requirements. Detect missing Network Token, Device ID, IP fields. Estimate annual fee savings. Decode ISO 8583 bitmaps. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/51-vdcap-payload-auditor.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "51-vdcap-payload-auditor", "category": "core-infrastructure", "tags": [], "url": "https://ainumbers.co/tools/51-vdcap-payload-auditor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "interchange_optimizer", "description": "Model U.S. interchange fees across Visa, Mastercard, Amex, and Discover. Compare flat-rate vs interchange-plus vs tiered pricing. Calculate Level 2/3 savings, PIN debit routing, and A2A migration ROI. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/52-interchange-optimizer.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "52-interchange-optimizer", "category": "card-economics", "tags": [], "url": "https://ainumbers.co/tools/52-interchange-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "cbdc_architecture_comparator", "description": "Compare CBDC architectural choices across three canonical design axes: distribution model, claim type, and access scope. Map to live jurisdictional implementations. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/53-cbdc-architecture-comparator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "dist": { "type": "string" }, "claim": { "type": "string" }, "scope": { "type": "string" }, "juris": { "type": "string" } } }, "metadata": { "tool_id": "53-cbdc-architecture-comparator", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/53-cbdc-architecture-comparator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "smart_contract_validator", "description": "Client-side static analysis for Corda CorDapp and Hyperledger Fabric chaincode. Rule-based validation of settlement finality conditions, obligation logic, endorsement policies, and counterparty clauses. Air-gapped. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/54-smart-contract-validator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "platform": { "type": "string" }, "codeInput": { "type": "string" } } }, "metadata": { "tool_id": "54-smart-contract-validator", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/54-smart-contract-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dvp_reconciliation", "description": "Three-pass delivery-versus-payment reconciliation for tokenized asset settlement. Match on-chain transfer events against off-chain cash ledger. Flags exceptions: delivered without payment, paid without delivery, timing mismatch, amount mismatch. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/55-dvp-reconciliation.html for interactive use.", "inputSchema": { "type": "object", "properties": { "timeTol": { "type": "string" }, "amtTol": { "type": "string" }, "onchainInput": { "type": "string" }, "offchainInput": { "type": "string" } } }, "metadata": { "tool_id": "55-dvp-reconciliation", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/55-dvp-reconciliation.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "chain_config_auditor", "description": "Client-side audit of Hyperledger Fabric configtx.yaml and Besu genesis.json. Checks endorsement policy completeness, MSP cert windows, Raft/QBFT quorum, PDC scoping, and Tessera deprecation status. Air-gapped. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/56-chain-config-auditor.html for interactive use.", "inputSchema": { "type": "object", "properties": { "platform": { "type": "string" }, "configInput": { "type": "string" } } }, "metadata": { "tool_id": "56-chain-config-auditor", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/56-chain-config-auditor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "iso20022_dlt_mapper", "description": "Static reference mapping from ISO 20022 message fields (pain.001, pacs.008, pacs.004, camt.053, camt.056) to DLT parameters on Corda, Fabric, and Besu. Highlights interoperability gaps. Generates translation stub code. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/57-iso20022-dlt-mapper.html for interactive use.", "inputSchema": { "type": "object", "properties": { "isoMsg": { "type": "string" }, "dltPlat": { "type": "string" }, "showGaps": { "type": "string" } } }, "metadata": { "tool_id": "57-iso20022-dlt-mapper", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/57-iso20022-dlt-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "cbdc_interop_modeler", "description": "CBDC interoperability scenario analysis. Model atomic settlement, PvP, and failure scenarios between mBridge, Digital Euro, Project Dunbar, SAMA/CBUAE, Corda, Canton, and Besu platforms. Template-driven scenario generation and Policy Mandate artifact. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/58-cbdc-interop-modeler.html for interactive use.", "inputSchema": { "type": "object", "properties": { "cbdcA": { "type": "string" }, "assetLeg": { "type": "string" }, "dltB": { "type": "string" }, "cashLeg": { "type": "string" }, "settlCond": { "type": "string" }, "failScenario": { "type": "string" } } }, "metadata": { "tool_id": "58-cbdc-interop-modeler", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/58-cbdc-interop-modeler.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fabric_ops_console", "description": "Enterprise Hyperledger Fabric settlement verifier. Paste peer channel fetch output (block/transaction JSON) to browse blocks, view transaction detail, inspect chaincode invocation history, and decode channel config. Air-gapped. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/59-fabric-ops-console.html for interactive use.", "inputSchema": { "type": "object", "properties": { "inputType": { "type": "string" }, "channelName": { "type": "string" }, "jsonInput": { "type": "string" } } }, "metadata": { "tool_id": "59-fabric-ops-console", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/59-fabric-ops-console.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "tokenized_asset_compliance", "description": "Static analysis of ERC-3643 (T-REX) and ERC-1400 token contract metadata JSON. Checks identityRegistry, compliance contract, claimTopic list, forced transfer, recovery address, partition restrictions, and jurisdictional compliance matrix (ESMA/SEC/SAMA/MAS). Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/63-tokenized-asset-compliance.html for interactive use.", "inputSchema": { "type": "object", "properties": { "tokenStd": { "type": "string" }, "juris": { "type": "string" }, "metaInput": { "type": "string" } } }, "metadata": { "tool_id": "63-tokenized-asset-compliance", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/63-tokenized-asset-compliance.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "chain_privacy_topology", "description": "Visualize Hyperledger Fabric PDC topology and Canton sub-transaction privacy models. Parse configtx.yaml PDC definitions or Canton party-to-participant mapping to produce a color-coded visibility heatmap: teal=fully private, amber=partially visible, red=overexposed. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/64-chain-privacy-topology.html for interactive use.", "inputSchema": { "type": "object", "properties": { "platform": { "type": "string" }, "configInput": { "type": "string" } } }, "metadata": { "tool_id": "64-chain-privacy-topology", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/64-chain-privacy-topology.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "settlement_finality_auditor", "description": "Compare operational vs legal finality timelines across RTGS, real-time, and tokenized payment rails. Counterparty exposure window calculator. Covers Fedwire, TARGET2, FedNow, RTP, Fnality, mBridge, and more. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/65-settlement-finality-auditor.html for interactive use.", "inputSchema": { "type": "object", "properties": { "txnAmount": { "type": "string" }, "defaultProb": { "type": "string" } } }, "metadata": { "tool_id": "65-settlement-finality-auditor", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/65-settlement-finality-auditor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "rwa_tokenization_cost_model", "description": "5-year TCO model for tokenizing real-world assets vs. traditional settlement. Compare bond, MMF, repo, and trade receivable tokenization costs across Corda, Canton, Fabric, and public EVM. Break-even analysis. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/66-rwa-tokenization-cost-model.html for interactive use.", "inputSchema": { "type": "object", "properties": { "assetClass": { "type": "string" }, "notional": { "type": "string" }, "investors": { "type": "string" }, "platform": { "type": "string" }, "custody": { "type": "string" }, "settlFreq": { "type": "string" }, "txnCount": { "type": "string" } } }, "metadata": { "tool_id": "66-rwa-tokenization-cost-model", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/66-rwa-tokenization-cost-model.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dlt_tco_calculator", "description": "3-year total cost of ownership comparison across Hyperledger Fabric, Hyperledger Besu, R3 Corda, and Digital Asset Canton. Infrastructure, developer, and support cost modelling. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/67-dlt-tco-calculator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "nodes": { "type": "string" }, "regions": { "type": "string" }, "tps": { "type": "string" }, "devFTE": { "type": "string" }, "support": { "type": "string" } } }, "metadata": { "tool_id": "67-dlt-tco-calculator", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/67-dlt-tco-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dlt_platform_comparator", "description": "Static reference comparison of Hyperledger Fabric, Hyperledger Besu, R3 Corda, and Digital Asset Canton across 10 enterprise dimensions. Platform Narrative generated client-side. Platform-neutral. Includes Contour failure case study. Last reviewed: May 2026. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/68-dlt-platform-comparator.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "68-dlt-platform-comparator", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/68-dlt-platform-comparator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dlt_privacy_selector", "description": "Decision-tree questionnaire (10 questions) recommending the optimal DLT privacy model: Fabric PDC, Fabric channels, Corda confidential transactions, Canton sub-transaction privacy, or Besu private transaction manager. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/69-dlt-privacy-selector.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "69-dlt-privacy-selector", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/69-dlt-privacy-selector.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "node_topology_modeler", "description": "Interactive SVG node topology for permissioned DLT networks. Configure platform, node count, consensus type, and regions to generate a visual architecture diagram with quorum health check, single-point-of-failure flags, and a board-ready architecture brief. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/70-node-topology-modeler.html for interactive use.", "inputSchema": { "type": "object", "properties": { "platform": { "type": "string" }, "nodeCount": { "type": "string" }, "regions": { "type": "string" }, "showBoundaries": { "type": "string" }, "showLabels": { "type": "string" } } }, "metadata": { "tool_id": "70-node-topology-modeler", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/70-node-topology-modeler.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dlt_guardrail_builder", "description": "Programmable settlement logic guardrail generator. Input spend caps, counterparty allowlists, settlement windows, escalation triggers, and N-of-M approval requirements. Generates Policy Mandate JSON, Solidity stub (Besu), Kotlin CorDapp stub (Corda), and SVG approval workflow DAG. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/71-dlt-guardrail-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": { "spendCapTxn": { "type": "string" }, "spendCapDay": { "type": "string" }, "allowlist": { "type": "string" }, "settlWindow": { "type": "string" }, "escalation": { "type": "string" }, "approvalN": { "type": "string" }, "approvalM": { "type": "string" }, "platform": { "type": "string" } } }, "metadata": { "tool_id": "71-dlt-guardrail-builder", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/71-dlt-guardrail-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dlt_readiness_checklist", "description": "5-step wizard generating a governance, finality, operational, and regulatory readiness checklist for enterprise DLT deployment. Select jurisdiction, network type, and asset class. Export Markdown report matching Tool 40 format. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/72-dlt-readiness-checklist.html for interactive use.", "inputSchema": { "type": "object", "properties": { "jurisSelect": { "type": "string" }, "netType": { "type": "string" }, "assetClass": { "type": "string" } } }, "metadata": { "tool_id": "72-dlt-readiness-checklist", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/72-dlt-readiness-checklist.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dlt_decision_lab", "description": "Five-stage unified decision shell: Use Case \u2192 Platform Comparison \u2192 Privacy Architecture \u2192 Node Topology \u2192 Governance. AI generates Nygard ADR rationale and consequences. Board-ready Architecture Decision Record export. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/73-dlt-decision-lab.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "73-dlt-decision-lab", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/73-dlt-decision-lab.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dlt_settlement_verifier", "description": "Paste Corda or Canton settlement transaction JSON to decode state machine transitions, verify WebCrypto signatures, map ISO 20022 fields, and verify iso20022Hash (keccak256 vs SHA-256). Pass/fail report with Policy Mandate. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/74-dlt-settlement-verifier.html for interactive use.", "inputSchema": { "type": "object", "properties": { "platform": { "type": "string" }, "txInput": { "type": "string" }, "expectedHash": { "type": "string" } } }, "metadata": { "tool_id": "74-dlt-settlement-verifier", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/74-dlt-settlement-verifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "stablecoin_reserve_auditor", "description": "Client-side stablecoin reserve composition analyzer and peg stress-testing engine. Model reserve health for USDT, USDC, DAI, PYUSD, FDUSD, and EURC. Stress-test peg stability under devaluation shocks, bank-run scenarios, and liquidity crunches. Regulatory compliance mapping across MiCA, US GENIUS Act, SAMA, CBUAE, and MAS. Zero PII. No install. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/75-stablecoin-reserve-auditor.html for interactive use.", "inputSchema": { "type": "object", "properties": { "templateSelect": { "type": "string" }, "coinName": { "type": "string" }, "supply": { "type": "string" }, "redemptSlider": { "type": "string" }, "sl_cash": { "type": "string", "description": "Reserve allocation (%): Cash & bank deposits" }, "sl_mmf": { "type": "string", "description": "Reserve allocation (%): Money-market funds / T-bills" }, "sl_crypto": { "type": "string", "description": "Reserve allocation (%): Crypto assets" }, "sl_loans": { "type": "string", "description": "Reserve allocation (%): Loans & receivables" }, "sl_other": { "type": "string", "description": "Reserve allocation (%): Other assets" } } }, "metadata": { "tool_id": "75-stablecoin-reserve-auditor", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/75-stablecoin-reserve-auditor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fx_hedge_optimizer", "description": "Model all-in costs for cross-border B2B payments across SWIFT, fintech aggregators, stablecoin conduits, and tokenized A2A rails. Embedded corridor data for 20 currency pairs. FX exposure at risk, hedge breakevens, board-ready treasury memo. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/76-fx-hedge-optimizer.html for interactive use.", "inputSchema": { "type": "object", "properties": { "sendCcy": { "type": "string" }, "recvCcy": { "type": "string" }, "notional": { "type": "string" }, "spotRate": { "type": "string" }, "freq": { "type": "string" }, "coc": { "type": "string" }, "naturalHedge": { "type": "string" } } }, "metadata": { "tool_id": "76-fx-hedge-optimizer", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/76-fx-hedge-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "iso_truncation_auditor", "description": "Detect silent data loss in ISO 20022 MX payment payloads. Identify XML fields exceeding legacy MT character limits and audit postal addresses against the November 2026 SWIFT/EPC structured address mandate. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/77-iso-truncation-auditor.html for interactive use.", "inputSchema": { "type": "object", "properties": { "xmlInput": { "type": "string" } } }, "metadata": { "tool_id": "77-iso-truncation-auditor", "category": "core-infrastructure", "tags": [], "url": "https://ainumbers.co/tools/77-iso-truncation-auditor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "recommend_payment_rail", "description": "Given a payment scenario (amount, corridor, urgency, pattern, revocability, cost priority), scores all eligible payment rails and returns the optimal rail with a ranked comparison matrix. Use when an agent needs to select a payment channel for a specific transaction.", "inputSchema": { "type": "object", "required": [ "amount", "currency", "sendCountry", "recvCountry", "urgency" ], "properties": { "amount": { "type": "number" }, "currency": { "type": "string" }, "sendCountry": { "type": "string" }, "recvCountry": { "type": "string" }, "urgency": { "type": "string" } } }, "metadata": { "tool_id": "smart-routing-advisor", "category": "ops-monitoring", "tags": [ "payment rails", "routing", "ACH", "FedNow", "SWIFT", "SEPA", "decision engine" ], "url": "https://ainumbers.co/tools/78-smart-routing-advisor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dynamic_discounting", "description": "Evaluate whether paying supplier invoices early captures positive economic value. Single invoice mode and portfolio optimizer. Calculates annualized return, net benefit, DPO impact, and foregone yield. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/79-dynamic-discounting.html for interactive use.", "inputSchema": { "type": "object", "properties": { "coc": { "type": "string" }, "termStr": { "type": "string" }, "invAmount": { "type": "string" }, "discPct": { "type": "string" }, "discDays": { "type": "string" }, "netDays": { "type": "string" }, "cashBuffer": { "type": "string" }, "portfolio-budget": { "type": "string" } } }, "metadata": { "tool_id": "79-dynamic-discounting", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/79-dynamic-discounting.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "investigate_payment_fraud", "description": "Run a 5-stage fraud investigation on a payment record. Provides fraud scoring, AML rule matching, EBA typology classification, BSA/NACHA compliance mapping, and generates a SAR narrative draft. Use when an agent needs to assess whether a transaction is fraudulent and determine the required regulatory response.", "inputSchema": { "type": "object", "required": [ "fileType", "amount" ], "properties": { "fileType": { "type": "string" }, "amount": { "type": "number" }, "jurisdiction": { "type": "string" } } }, "metadata": { "tool_id": "fraud-investigation-lab", "category": "fraud-risk", "tags": [ "fraud", "AML", "SAR", "NACHA", "BSA", "investigation", "chargeback" ], "url": "https://ainumbers.co/tools/80-fraud-investigation-lab.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "audit_iso20022_migration", "description": "Audit an institution's ISO 20022 migration readiness. Checks for address truncation risk, parses unstructured addresses into structured ISO 20022 postal address fields, scores rail options for Nov 2026 compliance, and quantifies liquidity impact. Use when an agent needs to assess SWIFT CBPR+ or SEPA migration status.", "inputSchema": { "type": "object", "required": [ "messageType", "corridor" ], "properties": { "messageType": { "type": "string" }, "corridor": { "type": "string" }, "institutionType": { "type": "string" } } }, "metadata": { "tool_id": "iso20022-migration-navigator", "category": "core-infrastructure", "tags": [ "ISO 20022", "migration", "SWIFT CBPR+", "pacs.008", "address", "truncation", "liquidity" ], "url": "https://ainumbers.co/tools/81-iso20022-migration-navigator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "optimize_a2a_rail", "description": "Evaluate and select the optimal A2A payment rail for a given volume, corridor, and business driver. Calculates fee savings, liquidity impact, compliance requirements, and NPV/IRR for the migration business case. Use when an agent needs to recommend or justify an A2A rail migration decision.", "inputSchema": { "type": "object", "required": [ "annualVolume", "currentRail" ], "properties": { "annualVolume": { "type": "number" }, "currentRail": { "type": "string" }, "primaryDriver": { "type": "string" } } }, "metadata": { "tool_id": "a2a-rail-command-center", "category": "core-infrastructure", "tags": [ "A2A", "rail", "FedNow", "RTP", "ACH", "SEPA", "optimization", "NPV", "IRR" ], "url": "https://ainumbers.co/tools/82-a2a-rail-command-center.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "analyse_treasury_payment_opportunity", "description": "Quantify the total payment cost opportunity for a business: interchange vs A2A fee delta, idle capital cost from slow settlement, FX drag, and chargeback leakage. Produces a CFO-ready memo with total opportunity value. Use when an agent needs to build a business case for payment modernisation.", "inputSchema": { "type": "object", "required": [ "annualVolume", "interchange", "rail" ], "properties": { "annualVolume": { "type": "number" }, "interchange": { "type": "string" }, "rail": { "type": "string" } } }, "metadata": { "tool_id": "treasury-decision-lab", "category": "treasury-strategy", "tags": [ "treasury", "interchange", "A2A", "liquidity", "FX", "chargeback", "CFO memo" ], "url": "https://ainumbers.co/tools/83-treasury-decision-lab.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "plan_a2a_migration", "description": "Plan and configure an A2A real-time payment rail migration. Scores rail fit, models prefunding liquidity requirements, maps compliance obligations, generates synthetic test data parameters, and produces an implementation playbook. Use when an agent needs a complete migration plan for a specific A2A rail.", "inputSchema": { "type": "object", "required": [ "rail", "annualVol", "avgTxn" ], "properties": { "rail": { "type": "string" }, "annualVol": { "type": "number" }, "avgTxn": { "type": "number" }, "driver": { "type": "string" } } }, "metadata": { "tool_id": "a2a-migration-lab", "category": "core-infrastructure", "tags": [ "A2A", "migration", "FedNow", "RTP", "liquidity", "prefunding", "compliance", "test data" ], "url": "https://ainumbers.co/tools/84-a2a-migration-lab.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "optimise_card_economics", "description": "Analyse and optimise a merchant's card processing costs. Calculates blended interchange, identifies VDCAP compliance gaps, models surcharge, least-cost routing, and A2A substitution savings. Generates a CFO-ready optimisation memo. Use when an agent needs to reduce a merchant's payment processing cost.", "inputSchema": { "type": "object", "required": [ "annualRevenue", "avgTransaction", "pricingModel" ], "properties": { "annualRevenue": { "type": "number" }, "avgTransaction": { "type": "number" }, "pricingModel": { "type": "string" }, "mccCode": { "type": "string" } } }, "metadata": { "tool_id": "card-economics-optimizer", "category": "card-economics", "tags": [ "interchange", "card", "MCC", "VDCAP", "surcharge", "LCR", "A2A", "chargeback", "merchant" ], "url": "https://ainumbers.co/tools/85-card-economics-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "simulate_startup_runway", "description": "Calculate startup cash runway and zero-cash date under current and optimised scenarios. Input cash balance, revenue, and burn; receive runway months, zero-cash date, and month-by-month trajectory. Use when an agent needs to assess startup financial health or model the impact of cost cuts and revenue initiatives.", "inputSchema": { "type": "object", "required": [ "cashBalance", "monthlyRevenue", "monthlyBurn" ], "properties": { "cashBalance": { "type": "number" }, "monthlyRevenue": { "type": "number" }, "monthlyBurn": { "type": "number" }, "growthRatePct": { "type": "number" } } }, "metadata": { "tool_id": "startup-runway-simulator", "category": "personal-finance", "tags": [ "startup", "runway", "burn rate", "cash", "forecast", "scenario", "founder" ], "url": "https://ainumbers.co/tools/87-runway-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_compliance_readiness", "description": "Assess regulatory compliance readiness for a payment or open banking entity across multiple jurisdictions. Returns a readiness score, pass/fail breakdown per requirement, and a list of critical gaps requiring immediate remediation. Use when an agent needs to determine compliance status before a product launch or regulatory deadline.", "inputSchema": { "type": "object", "required": [ "jurisdictions", "entityType", "productType" ], "properties": { "jurisdictions": { "type": "array", "items": { "type": "string" } }, "entityType": { "type": "string" }, "productType": { "type": "string" }, "posture": { "type": "string" } } }, "metadata": { "tool_id": "compliance-readiness-assessment", "category": "compliance-consent", "tags": [ "compliance", "PSD2", "PSD3", "CFPB 1033", "CDR", "SEPA", "open banking", "readiness" ], "url": "https://ainumbers.co/tools/88-compliance-readiness.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "optimise_working_capital", "description": "Calculate CCC, stress-test DSO/DIO/DPO scenarios, rank permutations by cash release, and project 30-day cash gap. Returns baseline vs optimised CCC and a full AP2 treasury mandate. Use when an agent needs to quantify working capital improvement opportunities.", "inputSchema": { "type": "object", "required": [ "ar", "ap", "inv" ], "properties": { "ar": { "type": "object" }, "ap": { "type": "object" }, "inv": { "type": "object" }, "scenario": { "type": "object" } } }, "metadata": { "tool_id": "working-capital-optimizer", "category": "treasury-strategy", "tags": [ "working capital", "CCC", "DSO", "DIO", "DPO", "liquidity", "treasury" ], "url": "https://ainumbers.co/tools/89-working-capital-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "consent_dashboard_builder", "description": "Design and preview Open Banking consent dashboards for UK OBIE, EU PSD3/PSR, and US CFPB 1033. Generate compliance checklists and export to SVG, Markdown, or JSON. Zero PII, browser-only. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/91-consent-dashboard-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": { "tppName": { "type": "string" }, "tppReg": { "type": "string" }, "tppType": { "type": "string" }, "expiryDate": { "type": "string" }, "accessFreq": { "type": "string" } }, "patternProperties": { "^scope_[a-z_]+$": { "type": "string", "description": "Consent scope toggle (e.g. scope_balances, scope_tx_credits, scope_standing)" }, "^chk_[a-z0-9_]+_\\d+_\\d+$": { "type": "string", "description": "Standards checklist checkbox (chk___)" } } }, "metadata": { "tool_id": "91-consent-dashboard-builder", "category": "open-banking", "tags": [], "url": "https://ainumbers.co/tools/91-consent-dashboard-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "sca_exemption_mapper", "description": "Calculate SCA exemption eligibility (EBA RTS 2023), map consent scopes across UK OB, EU PSD3, AU CDR, and US CFPB 1033, and generate FAPI 1.0/2.0 JWT payloads. Browser-only, zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/92-sca-exemption-mapper.html for interactive use.", "inputSchema": { "type": "object", "properties": { "sca-amount": { "type": "string" }, "sca-currency": { "type": "string" }, "sca-mcc": { "type": "string" }, "sca-fraud-rate": { "type": "string" }, "scope-source": { "type": "string" }, "scope-target": { "type": "string" }, "scope-input": { "type": "string" }, "fapi-client-id": { "type": "string" }, "fapi-redirect": { "type": "string" }, "fapi-scopes": { "type": "string" }, "fapi-state": { "type": "string" }, "fapi-nonce": { "type": "string" } } }, "metadata": { "tool_id": "92-sca-exemption-mapper", "category": "open-banking", "tags": [], "url": "https://ainumbers.co/tools/92-sca-exemption-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "vrp_mandate_builder", "description": "Design VRP mandates, stress-test hard limits, and visualize sweep algorithms for OBIE v3.1.10 and FDX v5.2. Browser-only, zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/93-vrp-mandate-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": { "debtorAcct": { "type": "string" }, "creditorAcct": { "type": "string" }, "targetBal": { "type": "string" }, "sweepCcy": { "type": "string" }, "maxSweep": { "type": "string" }, "sweepFreq": { "type": "string" }, "sweepMonthly": { "type": "string" }, "merchantName": { "type": "string" }, "merchantRef": { "type": "string" }, "maxIndiv": { "type": "string" }, "commCcy": { "type": "string" }, "maxDaily": { "type": "string" } } }, "metadata": { "tool_id": "93-vrp-mandate-builder", "category": "open-banking", "tags": [], "url": "https://ainumbers.co/tools/93-vrp-mandate-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "ob_transaction_visualizer", "description": "Paste UK OBReadTransaction6 or FDX v5 JSON and instantly see a sortable ledger, cash flow breakdown, MCC category mapping, running balance chart, and schema sanity checks. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/94-ob-transaction-visualizer.html for interactive use.", "inputSchema": { "type": "object", "properties": { "jsonInput": { "type": "string" }, "fileInput": { "type": "string" }, "formatSelect": { "type": "string" }, "currencyDisplay": { "type": "string" }, "dateFormat": { "type": "string" }, "ledgerSearch": { "type": "string" }, "mccSearch": { "type": "string" } } }, "metadata": { "tool_id": "94-ob-transaction-visualizer", "category": "open-banking", "tags": [], "url": "https://ainumbers.co/tools/94-ob-transaction-visualizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "payment_corridor_optimizer", "description": "Rank A2A payment rails \u2014 FedNow, SEPA Instant, SWIFT gpi, Faster Payments, RTP, ACH, PIX, and more \u2014 by cost, speed, and compliance for any origin-to-destination corridor. Embedded static fee tables, PSD2/CFPB compliance notes, mock settlement timeline SVG. Browser-only. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/95-payment-corridor-optimizer.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "95-payment-corridor-optimizer", "category": "open-banking", "tags": [], "url": "https://ainumbers.co/tools/95-payment-corridor-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "consent_receipt_generator", "description": "Generate and validate Open Banking consent receipts for UK OBIE, EU PSD2/PSD3, and US CFPB 1033. Export as JSON or human-readable audit memo. Zero PII, browser-only. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/96-consent-receipt-generator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "tppName": { "type": "string" }, "aspspName": { "type": "string" }, "consentType": { "type": "string" }, "consentStatus": { "type": "string" }, "creationDt": { "type": "string" }, "expirationDt": { "type": "string" }, "txnFromDt": { "type": "string" }, "txnToDt": { "type": "string" }, "validatorInput": { "type": "string" } } }, "metadata": { "tool_id": "96-consent-receipt-generator", "category": "open-banking", "tags": [], "url": "https://ainumbers.co/tools/96-consent-receipt-generator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "validate_fapi_security_headers", "description": "Validate HTTP security headers against FAPI 1.0 Advanced or FAPI 2.0 standards. Returns pass/warn/fail counts, a compliance score, and specific remediation steps for each failing header. Use when an agent needs to assess the security posture of an open banking API endpoint.", "inputSchema": { "type": "object", "required": [ "headers" ], "properties": { "headers": { "type": "object" }, "standard": { "type": "string", "enum": [ "fapi1", "fapi2" ] } } }, "metadata": { "tool_id": "fapi-security-validator", "category": "open-banking-apis", "tags": [ "FAPI", "security", "headers", "PKCE", "DPoP", "PAR", "mTLS", "open banking", "OAuth2" ], "url": "https://ainumbers.co/tools/97-fapi-security-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "iso20022_validator", "description": "Validate ISO 20022 XML messages (pacs.008, pain.001, camt.053) against embedded schema rules, parse every field with business context, and explore 20+ message types. Client-side only. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/98-iso20022-validator.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "98-iso20022-validator", "category": "open-banking", "tags": [], "url": "https://ainumbers.co/tools/98-iso20022-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "audit_dora_resilience", "description": "Assess DORA (EU 2022/2554) operational resilience readiness across five pillars. Returns overall score, per-pillar breakdown, and a gap list with article references and remediation guidance. Use when an agent needs to determine DORA compliance status before the January 2025 deadline.", "inputSchema": { "type": "object", "description": "Answer set keyed by question ID", "additionalProperties": { "type": "string", "enum": [ "yes", "partial", "no" ] } }, "metadata": { "tool_id": "dora-resilience-auditor", "category": "compliance-consent", "tags": [ "DORA", "resilience", "ICT", "incident", "third-party", "EU", "compliance" ], "url": "https://ainumbers.co/tools/100-dora-resilience-auditor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "score_iso20022_migration", "description": "Score ISO 20022 migration readiness across five weighted dimensions. Returns overall score, readiness band, per-dimension breakdown, and gap list. Use when an agent needs to assess an institution's readiness for the SWIFT CBPR+ November 2025 cutover.", "inputSchema": { "type": "object", "description": "Answer set keyed by question ID", "additionalProperties": { "type": "string", "enum": [ "yes", "partial", "no" ] } }, "metadata": { "tool_id": "iso20022-migration-scorer", "category": "core-infrastructure", "tags": [ "ISO 20022", "migration", "SWIFT CBPR+", "readiness", "scoring", "gap analysis" ], "url": "https://ainumbers.co/tools/101-iso20022-migration-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "check_ap2_compatibility", "description": "Validate a payment payload or answer set against the AP2 protocol spec. Returns a compatibility score, band classification, dimension breakdown, and remediation guidance. Use when an agent needs to verify a payment instruction is AP2-compatible before sending to an agentic runtime.", "inputSchema": { "type": "object", "required": [ "mode" ], "properties": { "mode": { "type": "string", "enum": [ "json", "manual" ] }, "payload": { "type": "object" }, "answers": { "type": "object" } } }, "metadata": { "tool_id": "ap2-payments-checker", "category": "core-infrastructure", "tags": [ "AP2", "agentic payments", "compatibility", "schema", "validation", "Google A2A" ], "url": "https://ainumbers.co/tools/102-ap2-payments-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "optimise_payment_mix", "description": "Calculate blended payment processing cost for a given merchant mix, identify the optimal method allocation, and project annual savings. Use when an agent needs to recommend a lower-cost payment method mix for a merchant.", "inputSchema": { "type": "object", "required": [ "monthly_vol", "aov", "mix" ], "properties": { "monthly_vol": { "type": "number" }, "aov": { "type": "number" }, "mix": { "type": "object" } } }, "metadata": { "tool_id": "payment-method-optimizer", "category": "card-economics", "tags": [ "payment mix", "interchange", "A2A", "BNPL", "wallet", "merchant", "cost optimisation" ], "url": "https://ainumbers.co/tools/103-payment-method-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "receivables_dso_optimizer", "description": "Enter your AR aging buckets and get a ranked action plan: which collection levers reduce DSO fastest, how much cash each releases, and what to do first. Conservative/Base/Aggressive scenarios. Board memo and Policy Mandate JSON export. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/104-receivables-dso-optimizer.html for interactive use.", "inputSchema": { "type": "object", "properties": { "b0": { "type": "string" }, "b1": { "type": "string" }, "b2": { "type": "string" }, "b3": { "type": "string" }, "b4": { "type": "string" }, "ann-rev": { "type": "string" }, "avg-inv": { "type": "string" }, "industry": { "type": "string" }, "terms": { "type": "string" }, "dispute-rate": { "type": "string" }, "settle-lag": { "type": "string" }, "fin-rate": { "type": "string" } } }, "metadata": { "tool_id": "104-receivables-dso-optimizer", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/104-receivables-dso-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fx_netting_simulator", "description": "Simulate multilateral FX netting across up to 8 currencies. Calculate your netting efficiency ratio, estimated settlement savings, and residual FX risk positions. Generates a bilateral netting matrix and hedge recommendations. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/105-fx-netting-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": {}, "patternProperties": { "^ccy-\\d+$": { "type": "string", "description": "Currency code for row N (rows numbered as added, up to 8)" }, "^pay-\\d+$": { "type": "string", "description": "Payables amount for row N" }, "^rec-\\d+$": { "type": "string", "description": "Receivables amount for row N" }, "^spot-\\d+$": { "type": "string", "description": "Spot rate for row N" }, "^fwd-\\d+$": { "type": "string", "description": "Forward rate for row N" } } }, "metadata": { "tool_id": "105-fx-netting-simulator", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/105-fx-netting-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "treasury_float_workbench", "description": "Model daily cash positions over a 13-week rolling horizon with business-day calendar for 30+ currencies. Sweep Optimizer moves excess cash across 5 accounts respecting ACH, FedNow, SEPA Instant, and CHIPS cut-off times. Exports daily treasury action list and Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/106-treasury-float-workbench.html for interactive use.", "inputSchema": { "type": "object", "properties": { "currency": { "type": "string" }, "opening-bal": { "type": "string" }, "overdraft-thresh": { "type": "string" }, "daily-in": { "type": "string" }, "daily-out": { "type": "string" }, "ffr": { "type": "string" }, "stress-delay-pct": { "type": "string" }, "stress-delay-days": { "type": "string" }, "stress-rate": { "type": "string" } }, "patternProperties": { "^acct-target-[0-4]$": { "type": "string", "description": "Target balance for sweep account 0-4" }, "^acct-yield-[0-4]$": { "type": "string", "description": "Yield (%) for sweep account 0-4" } } }, "metadata": { "tool_id": "106-treasury-float-workbench", "category": "treasury-strategy", "tags": [], "url": "https://ainumbers.co/tools/106-treasury-float-workbench.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "monte_carlo_fire_simulator", "description": "Run 1,000+ market scenarios in your browser to find the true probability your retirement portfolio survives. Parametric Monte Carlo with Box-Muller sampling. Outputs a probability cone, success rate, and Sequence of Returns Risk overlay. Zero PII. Zero API. No sign-up. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/107-monte-carlo-fire-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "portfolio": { "type": "string" }, "contribution": { "type": "string" }, "retire-spend": { "type": "string" }, "curr-age": { "type": "string" }, "retire-age": { "type": "string" }, "horizon": { "type": "string" }, "inflation": { "type": "string" }, "ss-income": { "type": "string" }, "sl-stocks": { "type": "string" }, "sl-bonds": { "type": "string" }, "sl-cash": { "type": "string" }, "sorr-toggle": { "type": "string" } } }, "metadata": { "tool_id": "107-monte-carlo-fire-simulator", "category": "personal-finance", "tags": [], "url": "https://ainumbers.co/tools/107-monte-carlo-fire-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dlt_partition_recovery_sim", "description": "Simulate network partitions and Byzantine fault scenarios for Hyperledger Fabric (Raft), Besu (QBFT), R3 Corda, and Canton. Generate a platform-specific numbered recovery runbook, transaction re-verification manifest, and governance voting worksheet. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/108-dlt-partition-recovery-sim.html for interactive use.", "inputSchema": { "type": "object", "properties": { "platform": { "type": "string" }, "node-count": { "type": "string" }, "az-a": { "type": "string" }, "az-b": { "type": "string" }, "az-c": { "type": "string" }, "isolated-az": { "type": "string" }, "inflight-tx": { "type": "string" }, "block-height": { "type": "string" }, "endorsement-status": { "type": "string" }, "orderer-count": { "type": "string" }, "validator-count": { "type": "string" }, "notary-size": { "type": "string" } } }, "metadata": { "tool_id": "108-dlt-partition-recovery-sim", "category": "dlt-tokenization", "tags": [], "url": "https://ainumbers.co/tools/108-dlt-partition-recovery-sim.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "cdd_edd_checklist", "description": "Jurisdiction-aware CDD and EDD checklist builder. Select entity type, jurisdiction(s), and risk tier to generate a structured requirements checklist with regula Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/109-cdd-edd-checklist.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "109-cdd-edd-checklist", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/109-cdd-edd-checklist.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "customer_risk_rating", "description": "Score individual and entity KYC risk across six FATF dimensions: customer type, product/service type, delivery channel, geographic risk, transaction behaviour, Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/110-customer-risk-rating.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "110-customer-risk-rating", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/110-customer-risk-rating.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "kyb_ubo_mapper", "description": "Build UBO trees up to five layers deep. Input entity name, jurisdiction, ownership percentages \u2014 generates visual UBO tree, calculates control thresholds, flags Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/111-kyb-ubo-mapper.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "111-kyb-ubo-mapper", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/111-kyb-ubo-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "pep_sanctions_simulator", "description": "Model PEP classification and sanctions screening logic against OFAC SDN & Non-SDN, EU Consolidated Sanctions, UN Security Council Consolidated List, HMT (UK), S Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/112-pep-sanctions-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "112-pep-sanctions-simulator", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/112-pep-sanctions-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "adverse_media_profiler", "description": "Structured adverse media assessment for EDD workflows. Input synthetic entity profile \u2014 run through multi-category checklist: financial crime, fraud, bribery/co Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/113-adverse-media-profiler.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "113-adverse-media-profiler", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/113-adverse-media-profiler.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "kyc_document_checklist", "description": "Jurisdiction-specific document verification checklist for customer onboarding. Select customer type and jurisdiction to get required primary ID documents, accep Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/114-kyc-document-checklist.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "114-kyc-document-checklist", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/114-kyc-document-checklist.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "correspondent_banking_matrix", "description": "Assess correspondent banking relationship against Wolfsberg Group Correspondent Banking Principles (2023). Score 28 due diligence criteria across five domains: Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/115-correspondent-banking-matrix.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "115-correspondent-banking-matrix", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/115-correspondent-banking-matrix.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "tm_rule_builder", "description": "Flagship enterprise TM engine for the catalog. Configure threshold-based and behavioural TM rules across six categories: velocity, structuring, geographic anoma Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/116-tm-rule-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "116-tm-rule-builder", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/116-tm-rule-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "structuring_pattern_detector", "description": "Detect structuring and smurfing patterns in synthetic transaction sequences. Input a transaction ledger (paste CSV format). Detects: single-day aggregation belo Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/117-structuring-pattern-detector.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "117-structuring-pattern-detector", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/117-structuring-pattern-detector.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "cross_border_wire_analyzer", "description": "Score cross-border payment instructions against a multi-factor red flag matrix. Input originator jurisdiction, beneficiary jurisdiction, amount, correspondent c Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/118-cross-border-wire-analyzer.html for interactive use.", "inputSchema": { "type": "object", "properties": { "origJur": { "type": "string" }, "benJur": { "type": "string" }, "wireAmount": { "type": "string" }, "corrChain": { "type": "string" }, "purposeCode": { "type": "string" } } }, "metadata": { "tool_id": "118-cross-border-wire-analyzer", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/118-cross-border-wire-analyzer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "ctr_sar_threshold_simulator", "description": "Model CTR and SAR filing obligations across jurisdictions. Input entity type, transaction type, currency, amount. Calculates CTR requirement (US $10k, AU $10k A Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/119-ctr-sar-threshold-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "filingJur": { "type": "string" }, "entityType": { "type": "string" }, "txnAmount": { "type": "string" }, "txnType": { "type": "string" }, "exemptionCat": { "type": "string" } } }, "metadata": { "tool_id": "119-ctr-sar-threshold-simulator", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/119-ctr-sar-threshold-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "layering_typology_identifier", "description": "FATF money laundering typology library covering 30+ typologies across three ML stages: Placement, Layering, Integration. Select typologies to cross-map to TM ru Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/120-layering-typology-identifier.html for interactive use.", "inputSchema": { "type": "object", "properties": { "mlStage": { "type": "string" }, "sectorFocus": { "type": "string" } } }, "metadata": { "tool_id": "120-layering-typology-identifier", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/120-layering-typology-identifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "sar_narrative_generator", "description": "Sole SAR narrative output tool in the catalog. Input synthetic transaction facts, subject profile, typology classification, detected red flags \u2014 receive structu Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/121-sar-narrative-generator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "sarJur": { "type": "string" }, "sarTypology": { "type": "string" }, "sarEntityType": { "type": "string" }, "sarAmount": { "type": "string" }, "sarPeriod": { "type": "string" }, "sarRedFlags": { "type": "string" } } }, "metadata": { "tool_id": "121-sar-narrative-generator", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/121-sar-narrative-generator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "regulatory_reporting_calendar", "description": "Map entity type, jurisdiction(s), and product categories to a complete AML/CFT regulatory reporting obligation calendar. Covers US BSA SAR/CTR/FBAR, EU DAC6/CAR Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/122-regulatory-reporting-calendar.html for interactive use.", "inputSchema": { "type": "object", "properties": { "calEntity": { "type": "string" }, "cj_us": { "type": "string" }, "cj_uk": { "type": "string" }, "cj_eu": { "type": "string" }, "cj_au": { "type": "string" }, "cj_sg": { "type": "string" } } }, "metadata": { "tool_id": "122-regulatory-reporting-calendar", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/122-regulatory-reporting-calendar.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "aml_program_gap_auditor", "description": "Score AML/BSA program across five FinCEN pillars (31 CFR 1020.210) aligned to FATF Rec. 18: (1) Internal Policies, Procedures & Controls; (2) Designated Complia Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/123-aml-program-gap-auditor.html for interactive use.", "inputSchema": { "type": "object", "properties": { "p1": { "type": "string" }, "p2": { "type": "string" }, "p3": { "type": "string" }, "p4": { "type": "string" }, "p5": { "type": "string" } } }, "metadata": { "tool_id": "123-aml-program-gap-auditor", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/123-aml-program-gap-auditor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fatf_readiness_scorer", "description": "Rate AML/CFT framework readiness against FATF 40 Recommendations and 11 Immediate Outcomes (Methodology 2022). Rate technical compliance (C/LC/PC/NC) per Recomm Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/124-fatf-readiness-scorer.html for interactive use.", "inputSchema": { "type": "object", "properties": { "io1": { "type": "string" }, "io2": { "type": "string" }, "io6": { "type": "string" }, "io7": { "type": "string" }, "io10": { "type": "string" }, "rec15": { "type": "string" }, "rec24": { "type": "string" } } }, "metadata": { "tool_id": "124-fatf-readiness-scorer", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/124-fatf-readiness-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "sanctions_program_builder", "description": "Build structured sanctions compliance program across OFAC Framework of Compliance Commitments: management commitment, risk assessment, internal controls, testin Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/125-sanctions-program-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": { "sanctEntityType": { "type": "string" }, "c1": { "type": "string" }, "c2": { "type": "string" }, "c3": { "type": "string" }, "c4": { "type": "string" }, "c5": { "type": "string" } } }, "metadata": { "tool_id": "125-sanctions-program-builder", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/125-sanctions-program-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "vasp_travel_rule_checker", "description": "Model FATF Travel Rule (Rec. 16) obligations for virtual asset transfers. Configure sending/receiving VASP jurisdiction, transfer amount, asset type. Calculates Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/126-vasp-travel-rule-checker.html for interactive use.", "inputSchema": { "type": "object", "properties": { "sendJur": { "type": "string" }, "recvJur": { "type": "string" }, "trAmount": { "type": "string" }, "assetType": { "type": "string" } } }, "metadata": { "tool_id": "126-vasp-travel-rule-checker", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/126-vasp-travel-rule-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "crypto_transaction_risk_profiler", "description": "Score synthetic on-chain transaction patterns against financial crime heuristics based on FATF Virtual Assets Red Flag Indicators (2021) and FinCEN CVC Guidance Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/127-crypto-transaction-risk-profiler.html for interactive use.", "inputSchema": { "type": "object", "properties": { "mixerProx": { "type": "string" }, "darknetAdj": { "type": "string" }, "peelChain": { "type": "string" }, "rapidConsol": { "type": "string" }, "dormancyBreak": { "type": "string" }, "jurisdRisk": { "type": "string" } } }, "metadata": { "tool_id": "127-crypto-transaction-risk-profiler", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/127-crypto-transaction-risk-profiler.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "stablecoin_vasp_aml_mapper", "description": "Map AML/CFT obligations for stablecoin issuers and VASPs. Select entity type and jurisdictions \u2014 side-by-side obligation matrix: registration/licensing, KYC/CDD Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/128-stablecoin-vasp-aml-mapper.html for interactive use.", "inputSchema": { "type": "object", "properties": { "vaspEntityType": { "type": "string" }, "vj_us": { "type": "string" }, "vj_eu": { "type": "string" }, "vj_uk": { "type": "string" }, "vj_sg": { "type": "string" }, "vj_ae": { "type": "string" } } }, "metadata": { "tool_id": "128-stablecoin-vasp-aml-mapper", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/128-stablecoin-vasp-aml-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "defi_nft_risk_assessment", "description": "Structured risk assessment for DeFi protocols and NFT marketplaces. Score across FATF 2021 Updated Guidance risk categories: user anonymity, cross-border reach, Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/129-defi-nft-risk-assessment.html for interactive use.", "inputSchema": { "type": "object", "properties": { "protocolType": { "type": "string" }, "userAnon": { "type": "string" }, "governance": { "type": "string" }, "immutability": { "type": "string" }, "crossBorder": { "type": "string" } } }, "metadata": { "tool_id": "129-defi-nft-risk-assessment", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/129-defi-nft-risk-assessment.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "aml_scenario_training_lab", "description": "Scenario-based AML compliance training. Each scenario presents a synthetic customer profile and transaction narrative \u2014 identify red flags, classify the typolog Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/130-aml-scenario-training-lab.html for interactive use.", "inputSchema": { "type": "object", "properties": { "difficulty": { "type": "string" }, "category": { "type": "string" } } }, "metadata": { "tool_id": "130-aml-scenario-training-lab", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/130-aml-scenario-training-lab.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "ap2_aml_mandate_builder", "description": "Anchor agentic tool for Cat-12. Translate AML/BSA program controls, TM rules, and customer risk policy into a structured Policy Mandate JSON for agentic payment sy Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/131-ap2-aml-mandate-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": { "mandateJur": { "type": "string" }, "riskTierThreshold": { "type": "string" }, "tmVelocityThreshold": { "type": "string" }, "sarAutoEscalate": { "type": "string" }, "sanctionsFreq": { "type": "string" }, "travelRuleThreshold": { "type": "string" } } }, "metadata": { "tool_id": "131-ap2-aml-mandate-builder", "category": "aml-kyc", "tags": [], "url": "https://ainumbers.co/tools/131-ap2-aml-mandate-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "invoice_to_payment_orchestrator", "description": "Map the full invoice-to-payment lifecycle: invoice capture, approval routing, payment method selection, ISO 20022 message assignment, and settlement timeline. Outputs workflow diagram, ISO 20022 message type map, and Policy Mandate JSON payment instruction stub. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/132-invoice-to-payment-orchestrator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "invAmount": { "type": "string" }, "invCurrency": { "type": "string" }, "payRail": { "type": "string" }, "supplierTier": { "type": "string" }, "approvalLimit": { "type": "string" }, "destCountry": { "type": "string" }, "payTerms": { "type": "string" }, "threeWay": { "type": "string" }, "exceptionRouting": { "type": "string" } } }, "metadata": { "tool_id": "132-invoice-to-payment-orchestrator", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/132-invoice-to-payment-orchestrator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "virtual_card_program_cost_modeller", "description": "Model virtual card programme economics end-to-end: interchange income, rebate waterfall, BIN fees, network dues, processing cost, and net margin. Compare against ACH and wire. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/133-virtual-card-program-cost-modeller.html for interactive use.", "inputSchema": { "type": "object", "properties": { "monthlyVol": { "type": "string" }, "avgTxn": { "type": "string" }, "interchRate": { "type": "string" }, "rebateShare": { "type": "string" }, "binFee": { "type": "string" }, "procCost": { "type": "string" }, "fraudBps": { "type": "string" }, "reservePct": { "type": "string" }, "discRate": { "type": "string" } } }, "metadata": { "tool_id": "133-virtual-card-program-cost-modeller", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/133-virtual-card-program-cost-modeller.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "ap_automation_savings_calculator", "description": "Quantify labour cost savings from automating AP invoice processing, approval workflows, and payment execution. Model FTE savings, DPO impact, and break-even. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/134-ap-automation-savings-calculator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "invVol": { "type": "string" }, "costManual": { "type": "string" }, "costAuto": { "type": "string" }, "headcount": { "type": "string" }, "salary": { "type": "string" }, "errorRate": { "type": "string" }, "errorCost": { "type": "string" }, "currDPO": { "type": "string" }, "targDPO": { "type": "string" }, "costCap": { "type": "string" }, "platCost": { "type": "string" } } }, "metadata": { "tool_id": "134-ap-automation-savings-calculator", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/134-ap-automation-savings-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "supplier_payment_terms_optimiser", "description": "Model NPV of early payment discounts vs. cost of capital across supplier tiers. Greedy DPO selection algorithm. Working capital crossover analysis. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/135-supplier-payment-terms-optimiser.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "135-supplier-payment-terms-optimiser", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/135-supplier-payment-terms-optimiser.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "embedded_payments_margin_simulator", "description": "Model margin waterfall for embedded payment: interchange, scheme fees, processing cost, BaaS/sponsor bank fee, fraud loss, reserve requirement, and net contribution margin per transaction. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/136-embedded-payments-margin-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "payType": { "type": "string" }, "vol": { "type": "string" }, "avg": { "type": "string" }, "interchBps": { "type": "string" }, "schemeBps": { "type": "string" }, "baasBps": { "type": "string" }, "procCost": { "type": "string" }, "fraudBps": { "type": "string" }, "resBps": { "type": "string" } } }, "metadata": { "tool_id": "136-embedded-payments-margin-simulator", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/136-embedded-payments-margin-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "137_payment_orchestration_vendor_scorecard", "description": "Score and compare payment orchestration vendors across 10 configurable dimensions. Weighted decision matrix with ranked output and Markdown evaluation memo. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "137-payment-orchestration-vendor-scorecard", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/137-payment-orchestration-vendor-scorecard.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "138_marketplace_fee_waterfall_designer", "description": "Model multi-party fee economics for marketplace platforms. Input gross transaction value and all fee layers; outputs per-transaction P&L waterfall, platform margin, and sensitivity table. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "138-marketplace-fee-waterfall-designer", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/138-marketplace-fee-waterfall-designer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "erp_payment_integration_scorer", "description": "Score ERP system readiness for ISO 20022 payment integration. Assess migration complexity, field mapping gaps, and generate a Markdown integration project plan. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/139-erp-payment-integration-scorer.html for interactive use.", "inputSchema": { "type": "object", "properties": { "erpPlatform": { "type": "string" }, "currFormat": { "type": "string" }, "targFormat": { "type": "string" }, "intMethod": { "type": "string" }, "txnVol": { "type": "string" }, "dim_data_map": { "type": "string", "description": "Score 1-5: Data mapping readiness" }, "dim_core_sys": { "type": "string", "description": "Score 1-5: Core system readiness" }, "dim_connect": { "type": "string", "description": "Score 1-5: Connectivity readiness" }, "dim_testing": { "type": "string", "description": "Score 1-5: Testing readiness" }, "dim_compliance": { "type": "string", "description": "Score 1-5: Compliance readiness" }, "dim_ops": { "type": "string", "description": "Score 1-5: Operations readiness" } } }, "metadata": { "tool_id": "139-erp-payment-integration-scorer", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/139-erp-payment-integration-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "b2b_payment_fraud_detector", "description": "Configure fraud detection heuristics for B2B payment fraud: BEC, invoice manipulation, supplier impersonation, and change-of-bank-details fraud. Outputs rule pseudocode, detection checklist, and operational controls. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/140-b2b-payment-fraud-detector.html for interactive use.", "inputSchema": { "type": "object", "properties": { "orgSize": { "type": "string" }, "apSpend": { "type": "string" }, "threshold": { "type": "string" }, "chk_bec": { "type": "string" }, "chk_invoice": { "type": "string" }, "chk_supplier": { "type": "string" }, "chk_bankchange": { "type": "string" }, "varPct": { "type": "string" }, "waitDays": { "type": "string" } } }, "metadata": { "tool_id": "140-b2b-payment-fraud-detector", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/140-b2b-payment-fraud-detector.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "cross_border_b2b_fee_calculator", "description": "Deconstruct total landed cost per B2B invoice: FX spread, correspondent fees, VAT/GST treatment, Incoterms payment obligation timing, documentary credit costs, ERP remittance reconciliation cost. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/141-cross-border-b2b-fee-calculator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "invAmt": { "type": "string" }, "origCtry": { "type": "string" }, "destCtry": { "type": "string" }, "payMeth": { "type": "string" }, "fxSpread": { "type": "string" }, "corrFee": { "type": "string" }, "incoterm": { "type": "string" }, "docCredit": { "type": "string" }, "reconCost": { "type": "string" } } }, "metadata": { "tool_id": "141-cross-border-b2b-fee-calculator", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/141-cross-border-b2b-fee-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "142_b2b_payment_terms_working_capital_impact", "description": "Two-sided working capital model: buyer DPO vs seller DSO. Calculates cash conversion cycle delta, early payment discount breakeven, and supply chain finance cost-benefit. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "142-b2b-payment-terms-working-capital-impact", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/142-b2b-payment-terms-working-capital-impact.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "143_commercial_card_spend_rebate_optimizer", "description": "Model total spend by card type, compute interchange rebate on commercial card programs, and optimise card mix for maximum rebate. Corporate buyer perspective. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "143-commercial-card-spend-rebate-optimizer", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/143-commercial-card-spend-rebate-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "iso20022_remittance_validator", "description": "Validate structured remittance information in ISO 20022 pain.001 and camt.054 messages. Check ISO 11649 SCR format, RmtInf/Strd population, invoice reconciliation completeness, and ERP auto-match eligibility. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/144-iso20022-remittance-validator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "xmlInput": { "type": "string" } } }, "metadata": { "tool_id": "144-iso20022-remittance-validator", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/144-iso20022-remittance-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "supply_chain_finance_modeller", "description": "Model supply chain finance programme economics. Compare reverse factoring, dynamic discounting, and inventory finance. Outputs cost-benefit waterfall, supplier working capital benefit, and SCF programme design memo. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/145-supply-chain-finance-modeller.html for interactive use.", "inputSchema": { "type": "object", "properties": { "progVol": { "type": "string" }, "supTier": { "type": "string" }, "supCoC": { "type": "string" }, "buyCoC": { "type": "string" }, "platFee": { "type": "string" }, "currDPO": { "type": "string" }, "targDPO": { "type": "string" }, "invTerms": { "type": "string" }, "earlyWin": { "type": "string" } } }, "metadata": { "tool_id": "145-supply-chain-finance-modeller", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/145-supply-chain-finance-modeller.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "virtual_account_structure_simulator", "description": "Design notional pooling and virtual account structures. Configure account hierarchy, interest netting, balance concentration, multi-currency overlay. Model interest benefit under pooling vs standalone. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/146-virtual-account-structure-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "poolRate": { "type": "string" }, "standRate": { "type": "string" }, "concThresh": { "type": "string" } } }, "metadata": { "tool_id": "146-virtual-account-structure-simulator", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/146-virtual-account-structure-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "payout_rail_cost_finality_modeller", "description": "Compare cost, speed, and finality across payment rails for B2B and platform payout use cases. ACH, RTP, FedNow, SEPA CT, SEPA Instant, FPS, SPEI, wire, virtual card. Outputs Policy Mandate JSON routing policy. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/147-payout-rail-cost-finality-modeller.html for interactive use.", "inputSchema": { "type": "object", "properties": { "amount": { "type": "string" }, "juris": { "type": "string" }, "urgency": { "type": "string" }, "monthVol": { "type": "string" }, "useCase": { "type": "string" }, "wCost": { "type": "string" }, "wSpeed": { "type": "string" }, "wFinal": { "type": "string" }, "wReach": { "type": "string" } } }, "metadata": { "tool_id": "147-payout-rail-cost-finality-modeller", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/147-payout-rail-cost-finality-modeller.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dac7_1099k_withholding_simulator", "description": "Model EU DAC7 and US IRS 1099-K reporting trigger calculations by seller jurisdiction, residency, and transaction volume. Calculate IRS backup withholding (24%), DAC7 thresholds, OECD safe harbours, FATCA flags. Policy Mandate JSON export. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/148-dac7-1099k-withholding-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "sellerJuris": { "type": "string" }, "residency": { "type": "string" }, "entityType": { "type": "string" }, "annVol": { "type": "string" }, "annTxns": { "type": "string" }, "taxForm": { "type": "string" }, "platJuris": { "type": "string" } } }, "metadata": { "tool_id": "148-dac7-1099k-withholding-simulator", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/148-dac7-1099k-withholding-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "seller_onboarding_classifier", "description": "Determine W-8/W-9 form requirement by seller country and entity type. Classify FATCA/CRS status. Determine VAT treatment for marketplace services. Outputs onboarding checklist, decision tree, and Policy Mandate JSON seller profile stub. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/149-seller-onboarding-classifier.html for interactive use.", "inputSchema": { "type": "object", "properties": { "sellerCtry": { "type": "string" }, "entityType": { "type": "string" }, "serviceType": { "type": "string" }, "platCtry": { "type": "string" }, "earningsLevel": { "type": "string" } } }, "metadata": { "tool_id": "149-seller-onboarding-classifier", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/149-seller-onboarding-classifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "mtl_licensing_risk_mapper", "description": "Assess US state money transmission licensing requirements by business model, transaction type, volume, and geography. Flag MTL states, agent-of-payee exemptions, and MSB overlap. Policy Mandate JSON compliance export. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/150-mtl-licensing-risk-mapper.html for interactive use.", "inputSchema": { "type": "object", "properties": { "bizModel": { "type": "string" }, "txnType": { "type": "string" }, "monthVol": { "type": "string" }, "agentPayee": { "type": "string" } } }, "metadata": { "tool_id": "150-mtl-licensing-risk-mapper", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/150-mtl-licensing-risk-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "split_payment_escrow_simulator", "description": "Model escrow release triggers, marketplace settlement timing, and reserve waterfall for split payment flows. Configure escrow hold period, release conditions, reserve percentage, refund priority, and seller risk tier. Policy Mandate JSON payout manifest. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/151-split-payment-escrow-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "orderAmt": { "type": "string" }, "platFee": { "type": "string" }, "riskTier": { "type": "string" }, "holdDays": { "type": "string" }, "reservePct": { "type": "string" }, "reserveDays": { "type": "string" }, "refundWindow": { "type": "string" }, "cbLiab": { "type": "string" }, "settlRail": { "type": "string" } } }, "metadata": { "tool_id": "151-split-payment-escrow-simulator", "category": "b2b-payments", "tags": [], "url": "https://ainumbers.co/tools/151-split-payment-escrow-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "baas_provider_comparator", "description": "Score and compare BaaS providers across 10 capability dimensions (regulatory standing, programme management, card issuance, rails, KYC/KYB, disputes, developer experience, pricing, FDIC pass-through, compliance tooling) with a user-adjustable 1-5 weighting matrix. Outputs a weighted comparison matrix and Markdown evaluation memo. Browser-based, client-side only, zero PII.", "inputSchema": { "type": "object", "properties": { "w_regulatory": { "type": "string", "description": "Weight 1-5: Regulatory Standing" }, "w_programme": { "type": "string", "description": "Weight 1-5: Programme Management" }, "w_card_issuing": { "type": "string", "description": "Weight 1-5: Card Issuance" }, "w_ach_rtp": { "type": "string", "description": "Weight 1-5: ACH / RTP Rails" }, "w_kyc_kyb": { "type": "string", "description": "Weight 1-5: KYC / KYB Support" }, "w_disputes": { "type": "string", "description": "Weight 1-5: Dispute Handling" }, "w_devex": { "type": "string", "description": "Weight 1-5: Developer Experience" }, "w_pricing": { "type": "string", "description": "Weight 1-5: Pricing Model" }, "w_fdic": { "type": "string", "description": "Weight 1-5: FDIC Pass-Through" }, "w_compliance": { "type": "string", "description": "Weight 1-5: Compliance Tooling" } } }, "metadata": { "tool_id": "152-baas-provider-comparator", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/152-baas-provider-comparator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fbo_account_structure_simulator", "description": "Visual simulator for FBO account structures. Model omnibus vs. subledger architectures, pooled accounts, settlement timing, reserve logic, FDIC pass-through eligibility. Outputs operational risk score and Markdown architecture memo. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/153-fbo-account-structure-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "acctType": { "type": "string" }, "poolMethod": { "type": "string" }, "userCount": { "type": "string" }, "avgBal": { "type": "string" }, "settlWindows": { "type": "string" }, "fdicPct": { "type": "string" }, "reservePct": { "type": "string" }, "dormancyRate": { "type": "string" } } }, "metadata": { "tool_id": "153-fbo-account-structure-simulator", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/153-fbo-account-structure-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "ledger_architecture_builder", "description": "Interactive double-entry ledger designer for fintech programmes. Configure accounts, architecture pattern (monolithic/event-sourced/multi-ledger), holds, reversals, chargeback flows. Outputs ledger diagram, event log structure, and Markdown architecture memo. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/154-ledger-architecture-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": { "archPat": { "type": "string" }, "consistency": { "type": "string" }, "acctOperating": { "type": "string" }, "acctReserve": { "type": "string" }, "acctSuspense": { "type": "string" }, "acctFee": { "type": "string" }, "acctLiability": { "type": "string" }, "acctChargeback": { "type": "string" }, "txnVol": { "type": "string" }, "holdsEnabled": { "type": "string" }, "reversalsEnabled": { "type": "string" }, "chargebackEnabled": { "type": "string" } } }, "metadata": { "tool_id": "154-ledger-architecture-builder", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/154-ledger-architecture-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "bin_sponsorship_economics", "description": "Model BIN sponsorship economics: interchange income, rebate share, BIN rental fee, network dues, fraud loss, reserve requirement, net margin per transaction. Break-even volume and 5-year NPV projection. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/155-bin-sponsorship-economics.html for interactive use.", "inputSchema": { "type": "object", "properties": { "network": { "type": "string" }, "interchange": { "type": "string" }, "rebateShare": { "type": "string" }, "binRental": { "type": "string" }, "networkDues": { "type": "string" }, "processingCost": { "type": "string" }, "fraudRate": { "type": "string" }, "reserveReq": { "type": "string" }, "reserveRate": { "type": "string" }, "avgTxn": { "type": "string" }, "monthlyVol": { "type": "string" } } }, "metadata": { "tool_id": "155-bin-sponsorship-economics", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/155-bin-sponsorship-economics.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "wallet_float_yield_estimator", "description": "Calculate float revenue on stored value balances. Inputs: average wallet balance, user count, Fed Funds rate, reserve requirement, FDIC pass-through eligibility. Outputs float revenue projection, reserve drag, net yield, and Markdown treasury memo. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/156-wallet-float-yield-estimator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "progType": { "type": "string" }, "userCount": { "type": "string" }, "avgBal": { "type": "string" }, "ffRate": { "type": "string" }, "spreadVsFF": { "type": "string" }, "fdicElig": { "type": "string" }, "reservePct": { "type": "string" }, "dormancyRate": { "type": "string" }, "mgmtFee": { "type": "string" } } }, "metadata": { "tool_id": "156-wallet-float-yield-estimator", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/156-wallet-float-yield-estimator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "settlement_orchestration_simulator", "description": "Model multi-leg payment settlement flows \u2014 configure batch timing, netting ratios, cut-off windows, and fail/retry logic to quantify liquidity requirements and settlement efficiency. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/157-settlement-orchestration-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "157-settlement-orchestration-simulator", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/157-settlement-orchestration-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fintech_compliance_control_mapper", "description": "Map BaaS-specific compliance controls across Reg E, UDAAP, card network obligations, and sponsor bank programme management. Heatmap, maturity score, and Policy Mandate JSON control register. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/158-fintech-compliance-control-mapper.html for interactive use.", "inputSchema": { "type": "object", "properties": { "progType": { "type": "string" }, "re1": { "type": "string" }, "re2": { "type": "string" }, "re3": { "type": "string" }, "re4": { "type": "string" }, "re5": { "type": "string" }, "ud1": { "type": "string" }, "ud2": { "type": "string" }, "ud3": { "type": "string" }, "ud4": { "type": "string" }, "ud5": { "type": "string" }, "cn1": { "type": "string" } } }, "metadata": { "tool_id": "158-fintech-compliance-control-mapper", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/158-fintech-compliance-control-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "marketplace_payout_flow_designer", "description": "Design end-to-end marketplace payout architecture: split payment logic, escrow timing, reserve logic, refund priority, seller risk tiers, rail selection. Outputs payout architecture diagram and Policy Mandate JSON payout manifest. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/159-marketplace-payout-flow-designer.html for interactive use.", "inputSchema": { "type": "object", "properties": { "mktType": { "type": "string" }, "gmv": { "type": "string" }, "avgOrder": { "type": "string" }, "railSel": { "type": "string" }, "escrowDays": { "type": "string" }, "reservePct": { "type": "string" }, "refundDays": { "type": "string" }, "takeRate": { "type": "string" }, "tierCount": { "type": "string" }, "splitEnabled": { "type": "string" }, "instantEnabled": { "type": "string" } } }, "metadata": { "tool_id": "159-marketplace-payout-flow-designer", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/159-marketplace-payout-flow-designer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "embedded_lending_unit_economics", "description": "Model embedded B2B lending unit economics: origination cost, APR, default rate, loss curve, cost of capital, servicing overhead. Outputs NIM, expected loss, RAROC, and Markdown unit economics memo. B2B commercial lending only. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/160-embedded-lending-unit-economics.html for interactive use.", "inputSchema": { "type": "object", "properties": { "prodType": { "type": "string" }, "avgLoan": { "type": "string" }, "portVol": { "type": "string" }, "apr": { "type": "string" }, "coc": { "type": "string" }, "origCost": { "type": "string" }, "defaultRate": { "type": "string" }, "lgd": { "type": "string" }, "servicingPct": { "type": "string" }, "loanTerm": { "type": "string" }, "capReq": { "type": "string" } } }, "metadata": { "tool_id": "160-embedded-lending-unit-economics", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/160-embedded-lending-unit-economics.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "programme_agreement_economics", "description": "Model BaaS programme agreement economics: interchange revenue share, BIN rental, volume commitments, ramp schedules, penalty clauses. 5-year P&L waterfall and Markdown programme economics memo. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/161-programme-agreement-economics.html for interactive use.", "inputSchema": { "type": "object", "properties": { "icRate": { "type": "string" }, "ftShare": { "type": "string" }, "procPass": { "type": "string" }, "procRate": { "type": "string" }, "avgTxn": { "type": "string" }, "binRental": { "type": "string" }, "complianceCost": { "type": "string" }, "minMonthlyFee": { "type": "string" }, "commitY1": { "type": "string" }, "penaltyPct": { "type": "string" }, "volY1": { "type": "string" }, "growY2": { "type": "string" } } }, "metadata": { "tool_id": "161-programme-agreement-economics", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/161-programme-agreement-economics.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "sponsor_bank_readiness_scorer", "description": "Score fintech programme readiness for sponsor bank partnership. Compliance programme maturity, Reg E controls, card network rules, fraud monitoring, consumer complaints, IT security. Policy Mandate JSON programme control register. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/162-sponsor-bank-readiness-scorer.html for interactive use.", "inputSchema": { "type": "object", "properties": { "progType": { "type": "string" }, "d1": { "type": "string" }, "d2": { "type": "string" }, "d3": { "type": "string" }, "d4": { "type": "string" }, "d5": { "type": "string" }, "d6": { "type": "string" }, "d7": { "type": "string" }, "d8": { "type": "string" }, "d9": { "type": "string" }, "d10": { "type": "string" }, "d11": { "type": "string" } } }, "metadata": { "tool_id": "162-sponsor-bank-readiness-scorer", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/162-sponsor-bank-readiness-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "card_programme_launch_readiness_checker", "description": "Structured launch checklist for Visa and Mastercard card programmes. BIN sponsorship, scheme registration, KYC/KYB, Reg E, network rules, fraud monitoring, dispute resolution. Outputs domain readiness scores, critical gap list, and Markdown project plan. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/163-card-programme-launch-readiness-checker.html for interactive use.", "inputSchema": { "type": "object", "properties": { "network": { "type": "string" }, "progType": { "type": "string" }, "i1": { "type": "string" }, "i2": { "type": "string" }, "i3": { "type": "string" }, "i4": { "type": "string" }, "i5": { "type": "string" }, "i6": { "type": "string" }, "i7": { "type": "string" }, "i8": { "type": "string" }, "i9": { "type": "string" }, "i10": { "type": "string" } } }, "metadata": { "tool_id": "163-card-programme-launch-readiness-checker", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/163-card-programme-launch-readiness-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "ap2_baas_mandate_builder", "description": "Anchor agentic tool for Cat-14. Translate BaaS programme controls, settlement policies, and compliance obligations into a validated Policy Mandate JSON. Outputs Policy Mandate JSON BaaS mandate, human-readable policy summary, and agent instruction set for MCP runtime ingestion. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/164-ap2-baas-mandate-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": { "baasProvider": { "type": "string" }, "progName": { "type": "string" }, "fboStruct": { "type": "string" }, "settlWindow": { "type": "string" }, "cardNetwork": { "type": "string" }, "cc_rege": { "type": "string" }, "cc_udaap": { "type": "string" }, "cc_pci": { "type": "string" }, "cc_bsa": { "type": "string" }, "cc_ofac": { "type": "string" }, "cc_netRules": { "type": "string" }, "txnLimit": { "type": "string" } } }, "metadata": { "tool_id": "164-ap2-baas-mandate-builder", "category": "embedded-finance-baas", "tags": [], "url": "https://ainumbers.co/tools/164-ap2-baas-mandate-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "classify_cfpb_1033_institution", "description": "Classify a financial institution under CFPB \u00a71033 Personal Financial Data Rights. Returns Tier 1\u20134 or TPPP status, compliance deadline, and obligations checklist. Use when determining open banking regulatory obligations for a US institution.", "inputSchema": { "type": "object", "required": [ "institution_type", "total_assets_usd" ], "properties": { "institution_type": { "type": "string" }, "total_assets_usd": { "type": "number" }, "consumer_accounts": { "type": "boolean" }, "has_api_access": { "type": "boolean" } } }, "metadata": { "tool_id": "cfpb-1033-institution-classifier", "category": "open-banking", "tags": [ "CFPB", "1033", "open-banking", "consumer-data", "compliance", "export", "regtech" ], "url": "https://ainumbers.co/tools/165-cfpb-1033-institution-classifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "scope_cfpb_1033_data_rights", "description": "Scope CFPB \u00a71033 covered data obligations for a financial institution. Returns which of the 7 data categories apply, required fields per category, format requirements, and data minimization rules. Use after institution classification to determine specific data sharing obligations.", "inputSchema": { "type": "object", "required": [ "institution_tier", "products" ], "properties": { "institution_tier": { "type": "string" }, "products": { "type": "array", "items": { "type": "string" } }, "has_fdx_api": { "type": "boolean" } } }, "metadata": { "tool_id": "cfpb-1033-data-rights-scoper", "category": "open-banking", "tags": [ "CFPB", "1033", "data-rights", "open-banking", "scoping", "compliance", "export" ], "url": "https://ainumbers.co/tools/166-cfpb-1033-data-rights-scoper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "map_cfpb_1033_tppp_obligations", "description": "Map CFPB \u00a71033 obligations for Third-Party Payment Providers (TPPPs). Returns authorization requirements, data minimization rules, purpose limitations, and consumer revocation obligations based on TPPP type and use cases.", "inputSchema": { "type": "object", "required": [ "tppp_type", "use_cases" ], "properties": { "tppp_type": { "type": "string" }, "use_cases": { "type": "array", "items": { "type": "string" } }, "has_consumer_authorization": { "type": "boolean" }, "retention_days": { "type": "number" } } }, "metadata": { "tool_id": "cfpb-1033-tppp-mapper", "category": "open-banking", "tags": [ "CFPB", "1033", "TPPP", "third-party", "open-banking", "compliance", "export" ], "url": "https://ainumbers.co/tools/167-cfpb-1033-tppp-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "compare_baas_providers", "description": "Compare leading BaaS providers across FDIC coverage, card issuance, ACH/RTP/FedNow rails, KYC/AML tooling, compliance support, and developer experience. Filter by required capabilities and geography. Use when selecting a BaaS partner for an embedded finance programme.", "inputSchema": { "type": "object", "properties": { "required_rails": { "type": "array", "items": { "type": "string" } }, "required_capabilities": { "type": "array", "items": { "type": "string" } }, "geography": { "type": "string" }, "min_dev_score": { "type": "number" } } }, "metadata": { "tool_id": "baas-provider-comparison", "category": "embedded-finance-baas", "tags": [ "BaaS", "provider", "comparison", "FDIC", "card", "ACH", "RTP", "KYC", "AML" ], "url": "https://ainumbers.co/tools/168-baas-provider-comparison.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "estimate_roth_conversion", "description": "Estimates tax impact and long-term benefit of a Roth IRA/401k conversion. Returns tax cost now, projected balances at retirement, breakeven age, and net lifetime advantage.", "inputSchema": { "type": "object", "properties": { "current_age": { "type": "number" }, "retirement_age": { "type": "number" }, "conversion_amount": { "type": "number" }, "current_tax_rate_pct": { "type": "number" }, "expected_retirement_tax_rate_pct": { "type": "number" }, "expected_return_pct": { "type": "number" }, "state_tax_rate_pct": { "type": "number" } }, "required": [ "current_age", "retirement_age", "conversion_amount", "current_tax_rate_pct", "expected_retirement_tax_rate_pct", "expected_return_pct" ] }, "metadata": { "tool_id": "roth-traditional-conversion-estimator", "category": "cat-10", "tags": [ "Roth", "IRA", "401k", "conversion", "tax planning", "retirement", "personal finance" ], "url": "https://ainumbers.co/tools/169-roth-traditional-conversion-estimator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "calculate_safe_withdrawal_rate", "description": "Calculates safe withdrawal rate, FIRE number, survival probability, and scenario analysis for a retirement portfolio.", "inputSchema": { "type": "object", "properties": { "portfolio_value": { "type": "number", "description": "Current portfolio value in USD" }, "annual_withdrawal": { "type": "number", "description": "Planned annual withdrawal in USD" }, "horizon_years": { "type": "number", "description": "Retirement horizon in years" }, "allocation": { "type": "string", "description": "Portfolio allocation preset" }, "inflation_pct": { "type": "number", "description": "Assumed annual inflation rate" }, "additional_income": { "type": "number", "description": "Annual income from Social Security or pension" }, "strategy": { "type": "string", "description": "Withdrawal strategy" } }, "required": [ "portfolio_value", "annual_withdrawal", "horizon_years" ] }, "metadata": { "tool_id": "safe-withdrawal-rate-calculator", "category": "cat-10", "tags": [ "safe withdrawal rate", "4% rule", "FIRE", "retirement", "SWR", "sequence risk", "Guyton-Klinger" ], "url": "https://ainumbers.co/tools/170-safe-withdrawal-rate-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "audit_peppol_xml_invoice", "description": "Validate Peppol BIS Billing 3.0 (EN 16931) or KSeF FA(3) XML invoices. Checks structural validity, business rules, and calculation accuracy with country overlays for France, Poland, Belgium, Germany, and Australia. Returns errors, warnings, and rule-by-rule results.", "inputSchema": { "type": "object", "required": [ "xml_content", "standard" ], "properties": { "xml_content": { "type": "string" }, "standard": { "type": "string", "enum": [ "peppol-bis-3", "ksef-fa3" ] }, "country": { "type": "string" } } }, "metadata": { "tool_id": "peppol-xml-auditor", "category": "einvoicing-vat", "tags": [ "Peppol", "XML", "e-invoicing", "KSeF", "EN16931", "BIS3", "validator", "compliance" ], "url": "https://ainumbers.co/tools/174-peppol-xml-auditor.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "cross_border_vat_treaty_lookup", "description": "Determine cross-border VAT treatment for goods and services: place of supply, reverse charge, intra-Community supply, OSS/IOSS, export zero-rating and registration obligations. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/175-cross-border-vat-treaty-lookup.html for interactive use.", "inputSchema": { "type": "object", "properties": { "supplier": { "type": "string" }, "customer": { "type": "string" }, "supply": { "type": "string" }, "registered": { "type": "boolean" } }, "required": [ "supplier", "customer", "supply" ] }, "metadata": { "tool_id": "175-cross-border-vat-treaty-lookup", "category": "einvoicing-vat", "tags": [], "url": "https://ainumbers.co/tools/175-cross-border-vat-treaty-lookup.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "peppol_access_point_simulator", "description": "Simulate Peppol 4-corner and 5-corner document exchange flows with CTC overlays for France PPF and Poland KSeF. Outputs delivery log and connectivity readiness checklist. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/176-peppol-access-point-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "docType": { "type": "string" }, "ctcCountry": { "type": "string" } } }, "metadata": { "tool_id": "176-peppol-access-point-simulator", "category": "einvoicing-vat", "tags": [], "url": "https://ainumbers.co/tools/176-peppol-access-point-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "vat_rate_regime_lookup", "description": "Jurisdiction-aware VAT rate reference for EU-27, UK, Norway, Switzerland, AU GST, and NZ GST. Standard, reduced, super-reduced, zero, and parking rates with special regime notes. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/177-vat-rate-regime-lookup.html for interactive use.", "inputSchema": { "type": "object", "properties": { "searchInput": { "type": "string" } } }, "metadata": { "tool_id": "177-vat-rate-regime-lookup", "category": "einvoicing-vat", "tags": [], "url": "https://ainumbers.co/tools/177-vat-rate-regime-lookup.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "invoice_to_iso20022_bridge", "description": "Transform e-invoice data into ISO 20022 pain.001.001.09 payment initiation XML. Maps IBAN, BIC, amount, due date, and ISO 11649 structured creditor reference. Outputs pain.001 XML and Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/178-invoice-to-iso20022-bridge.html for interactive use.", "inputSchema": { "type": "object", "properties": { "invNum": { "type": "string" }, "invDate": { "type": "string" }, "dueDate": { "type": "string" }, "currency": { "type": "string" }, "amount": { "type": "string" }, "credName": { "type": "string" }, "credIBAN": { "type": "string" }, "credBIC": { "type": "string" }, "debtName": { "type": "string" }, "debtIBAN": { "type": "string" }, "xmlOutput": { "type": "string" } } }, "metadata": { "tool_id": "178-invoice-to-iso20022-bridge", "category": "einvoicing-vat", "tags": [], "url": "https://ainumbers.co/tools/178-invoice-to-iso20022-bridge.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "vida_drr_readiness_scorer", "description": "Score your organisation's readiness against EU VAT in the Digital Age Digital Reporting Requirements. Outputs DRR readiness score, gap table with ViDA directive citations, and compliance Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/179-vida-drr-readiness-scorer.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "179-vida-drr-readiness-scorer", "category": "einvoicing-vat", "tags": [], "url": "https://ainumbers.co/tools/179-vida-drr-readiness-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "b2b_einvoice_compliance_scorer", "description": "Assess B2B e-invoicing compliance readiness across France, Belgium, Poland KSeF, Italy SdI, Germany XRechnung, and AU PINT mandates. Outputs mandate timeline, technical checklist, and Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/180-b2b-einvoice-compliance-scorer.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "180-b2b-einvoice-compliance-scorer", "category": "einvoicing-vat", "tags": [], "url": "https://ainumbers.co/tools/180-b2b-einvoice-compliance-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "einvoice_archiving_retention_mapper", "description": "Map e-invoice archiving and retention obligations by jurisdiction: EU-27, UK HMRC, France DGFiP, Italy SDI, Poland KSeF, Australia ATO. Outputs retention period, storage format, integrity requirements, and audit access obligations. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/181-einvoice-archiving-retention-mapper.html for interactive use.", "inputSchema": { "type": "object", "properties": { "searchInput": { "type": "string" } } }, "metadata": { "tool_id": "181-einvoice-archiving-retention-mapper", "category": "einvoicing-vat", "tags": [], "url": "https://ainumbers.co/tools/181-einvoice-archiving-retention-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "cross_border_vat_recovery_checker", "description": "Check cross-border VAT recovery eligibility under EU 8th Directive (2008/9/EC) and EU 13th Directive (86/560/EEC). Outputs eligibility status, filing deadlines, refund procedure, and required evidence. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/182-cross-border-vat-recovery-checker.html for interactive use.", "inputSchema": { "type": "object", "properties": { "claimantCC": { "type": "string" }, "expenseCC": { "type": "string" } } }, "metadata": { "tool_id": "182-cross-border-vat-recovery-checker", "category": "einvoicing-vat", "tags": [], "url": "https://ainumbers.co/tools/182-cross-border-vat-recovery-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "digital_services_tax_calculator", "description": "Calculate Digital Services Tax exposure across UK, France, Italy, Austria, Spain, and India with OECD Pillar 1 overlap note. Outputs per-country DST liability and compliance Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/183-digital-services-tax-calculator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "globalRev": { "type": "string" }, "rev_' + r.id + '": { "type": "string" } } }, "metadata": { "tool_id": "183-digital-services-tax-calculator", "category": "einvoicing-vat", "tags": [], "url": "https://ainumbers.co/tools/183-digital-services-tax-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "bnpl_fca_readiness_checker", "description": "Multi-jurisdiction BNPL compliance gap-analysis tool. Assess readiness against FCA DPC, EU CCD2, US CFPB Reg Z, and NY DFS obligations. Pass/Partial/Fail scoring with article citations and Policy Mandate JSON export. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/187-bnpl-fca-readiness-checker.html for interactive use.", "inputSchema": { "type": "object", "required": [ "jurisdictions", "assessments" ], "properties": { "jurisdictions": { "type": "array", "description": "One or more regulatory regimes to assess. At least one required.", "minItems": 1, "items": { "type": "string", "enum": [ "fca_dpc", "eu_ccd2", "cfpb_reg_z", "ny_dfs" ] } }, "assessments": { "type": "object", "description": "Obligation assessments keyed by obligation_id. Value must be Pass, Partial, Fail, or NA. Unset obligations default to Fail (conservative scoring).", "additionalProperties": { "type": "string", "enum": [ "Pass", "Partial", "Fail", "NA" ] } } } }, "metadata": { "tool_id": "187-bnpl-fca-readiness-checker", "category": "consumer-credit-bnpl", "tags": [], "url": "https://ainumbers.co/tools/187-bnpl-fca-readiness-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "merchant_bnpl_compliance_mapper", "description": "Map compliance obligations for merchants integrating BNPL at checkout. Covers PCI DSS scope determination, Reg Z advertising rules, FCA Financial Promotions, EU CCD2 checkout standards, and UX disclosure requirements. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/188-merchant-bnpl-compliance-mapper.html for interactive use.", "inputSchema": { "type": "object", "properties": { "chk-uk": { "type": "string" }, "chk-eu": { "type": "string" }, "chk-us": { "type": "string" } } }, "metadata": { "tool_id": "188-merchant-bnpl-compliance-mapper", "category": "consumer-credit-bnpl", "tags": [], "url": "https://ainumbers.co/tools/188-merchant-bnpl-compliance-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "bnpl_late_fee_compliance_calculator", "description": "Compare BNPL late fee structures against regulatory caps: FCA CONC 7 / HCSTC, EU CCD2 Art. 33, CFPB Reg Z, and NY DFS. Calculate remediation exposure for non-compliant fee structures. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/189-bnpl-late-fee-compliance-calculator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "chk-uk_hcstc": { "type": "string" }, "chk-uk_standard": { "type": "string" }, "chk-eu_ccd2": { "type": "string" }, "chk-us_cfpb": { "type": "string" }, "chk-ny_dfs": { "type": "string" }, "currency": { "type": "string" }, "flatFee": { "type": "string" }, "pctFee": { "type": "string" }, "avgBal": { "type": "string" }, "tier1Fee": { "type": "string" }, "tier2Fee": { "type": "string" }, "tier3Fee": { "type": "string" } } }, "metadata": { "tool_id": "189-bnpl-late-fee-compliance-calculator", "category": "consumer-credit-bnpl", "tags": [], "url": "https://ainumbers.co/tools/189-bnpl-late-fee-compliance-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "bnpl_affordability_assessment_modeller", "description": "Model BNPL affordability assessment methodology options against FCA CONC 5, EU CCD2 Art. 18, and CFPB ability-to-repay requirements. Compliance assessment only \u2014 not actual credit decisions. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/190-bnpl-affordability-assessment-modeller.html for interactive use.", "inputSchema": { "type": "object", "properties": { "prodValue": { "type": "string" }, "prodRepayments": { "type": "string" }, "prodApr": { "type": "string" }, "jchk-fca": { "type": "string" }, "jchk-ccd2": { "type": "string" }, "jchk-cfpb": { "type": "string" }, "m_income": { "type": "string" }, "m_bureau": { "type": "string" } } }, "metadata": { "tool_id": "190-bnpl-affordability-assessment-modeller", "category": "consumer-credit-bnpl", "tags": [], "url": "https://ainumbers.co/tools/190-bnpl-affordability-assessment-modeller.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "bnpl_disclosure_template_generator", "description": "Generate compliant BNPL checkout disclosure language for UK (FCA CONC 4 / PCCI), US (TILA/Reg Z), and EU (CCD2 SECCI). Export Markdown templates and Policy Mandate JSON disclosure manifest. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/191-bnpl-disclosure-template-generator.html for interactive use.", "inputSchema": { "type": "object", "required": [ "jurisdictions", "purchase_amount", "num_instalments" ], "properties": { "jurisdictions": { "type": "array", "minItems": 1, "items": { "type": "string", "enum": [ "uk", "eu", "us" ] } }, "lender_name": { "type": "string", "description": "Legal entity name of the lender/creditor. Used in all disclosure documents." }, "product_name": { "type": "string", "description": "BNPL product name (e.g. 'Pay in 4', 'Split Pay')." }, "currency": { "type": "string", "enum": [ "GBP", "EUR", "USD" ], "default": "GBP" }, "purchase_amount": { "type": "number", "description": "Total credit / purchase amount.", "minimum": 1 }, "num_instalments": { "type": "integer", "description": "Number of repayment instalments.", "minimum": 2, "maximum": 36 }, "first_payment_timing": { "type": "string", "enum": [ "immediate", "deferred" ], "description": "Whether first payment is due at checkout or deferred." }, "defer_days": { "type": "integer", "description": "Days before first payment when first_payment_timing is 'deferred'." }, "payment_interval": { "type": "string", "enum": [ "2weeks", "monthly", "custom" ] }, "apr_pct": { "type": "number", "description": "Annual Percentage Rate as a percentage. 0 for interest-free BNPL.", "default": 0, "minimum": 0 }, "late_fee": { "type": "number", "description": "Late fee per missed payment in reporting currency. Optional.", "minimum": 0 }, "fca_authorisation_number": { "type": "string", "description": "FCA authorisation number for UK disclosures. Inserts placeholder if blank." } } }, "metadata": { "tool_id": "191-bnpl-disclosure-template-generator", "category": "consumer-credit-bnpl", "tags": [], "url": "https://ainumbers.co/tools/191-bnpl-disclosure-template-generator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "bnpl_arrears_collections_checker", "description": "Assess BNPL arrears handling and collections practices against FCA CONC 7, CFPB FDCPA/Reg F, and EU CCD2. Outputs compliance score and policy Policy Mandate JSON. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/192-bnpl-arrears-collections-checker.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "192-bnpl-arrears-collections-checker", "category": "consumer-credit-bnpl", "tags": [], "url": "https://ainumbers.co/tools/192-bnpl-arrears-collections-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "bnpl_apr_calculator", "description": "Calculate BNPL APR under EU CCD2 actuarial method (Art. 31) and US TILA/Reg Z (Appendix J). Highlights divergence between marketing APR claims and regulatory APR. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/193-bnpl-apr-calculator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "currency": { "type": "string" }, "amount": { "type": "string" }, "instalments": { "type": "string" }, "instAmt": { "type": "string" }, "interval": { "type": "string" }, "firstPayment": { "type": "string" }, "customDays": { "type": "string" }, "fees": { "type": "string" }, "statedApr": { "type": "string" } } }, "metadata": { "tool_id": "193-bnpl-apr-calculator", "category": "consumer-credit-bnpl", "tags": [], "url": "https://ainumbers.co/tools/193-bnpl-apr-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "b2b_bnpl_underwriting_sandbox", "description": "Deterministic B2B BNPL underwriting sandbox. Score commercial trade credit applications using trading history, financial health, and sector risk. Scope: B2B and commercial trade credit only \u2014 not consumer BNPL. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/194-b2b-bnpl-underwriting-sandbox.html for interactive use.", "inputSchema": { "type": "object", "properties": { "companyName": { "type": "string" }, "sector": { "type": "string" }, "yearsTrading": { "type": "string" }, "employees": { "type": "string" }, "currency": { "type": "string" }, "revenue": { "type": "string" }, "grossMargin": { "type": "string" }, "existingCredit": { "type": "string" }, "ccj": { "type": "string" }, "paymentHistory": { "type": "string" }, "requestedLimit": { "type": "string" }, "terms": { "type": "string" } } }, "metadata": { "tool_id": "194-b2b-bnpl-underwriting-sandbox", "category": "consumer-credit-bnpl", "tags": [], "url": "https://ainumbers.co/tools/194-b2b-bnpl-underwriting-sandbox.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "196_ifrs9_macro_overlay_calculator", "description": "Compute IFRS 9 ECL forward-looking macroeconomic overlays by scenario, portfolio stage, and sector. Outputs overlay amounts and management adjustment rationale. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "196-ifrs9-macro-overlay-calculator", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/196-ifrs9-macro-overlay-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "credit_risk_rating_calculator", "description": "Input financial ratios to derive an internal credit rating mapped to S&P, Moody's, and Fitch equivalents (AAA\u2013D). Configurable by industry sector and counterparty type. Outputs rating scorecard, rationale narrative, Markdown memo, and Policy Mandate JSON credit profile. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/197-credit-risk-rating-calculator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "counterparty_type": { "type": "string", "enum": [ "corporate", "bank", "sovereign", "sme" ] }, "sector": { "type": "string", "enum": [ "general", "tech", "healthcare", "utilities", "realestate", "energy", "retail", "financial" ] }, "weighting_profile": { "type": "string", "enum": [ "balanced", "leverage", "coverage", "liquidity" ] }, "net_debt_ebitda": { "type": "number", "description": "Net Debt / EBITDA ratio (\u00d7)" }, "ebitda_interest": { "type": "number", "description": "EBITDA / Interest Expense (\u00d7)" }, "ebitda_margin": { "type": "number", "description": "EBITDA Margin (%)" }, "fcf_debt": { "type": "number", "description": "Free Cash Flow / Debt (%)" }, "current_ratio": { "type": "number", "description": "Current Ratio (\u00d7)" }, "debt_equity": { "type": "number", "description": "Debt / Equity (%)" } }, "required": [ "counterparty_type", "sector", "weighting_profile", "net_debt_ebitda", "ebitda_interest", "ebitda_margin", "fcf_debt", "current_ratio", "debt_equity" ] }, "metadata": { "tool_id": "197-credit-risk-rating-calculator", "category": "counterparty-credit-risk", "tags": [], "url": "https://ainumbers.co/tools/197-credit-risk-rating-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "pd_lgd_ead_modeller", "description": "Calculate Probability of Default, Loss Given Default, and Exposure at Default with IFRS 9 and CECL alignment. Outputs 12-month and lifetime ECL, staging triggers, and Policy Mandate JSON risk parameters. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/198-pd-lgd-ead-modeller.html for interactive use.", "inputSchema": { "type": "object", "properties": { "pd_method": { "type": "string", "enum": [ "ttc", "pit" ] }, "internal_rating": { "type": "string", "description": "Required if pd_method=ttc. S&P-equivalent rating band." }, "macro_overlay": { "type": "number", "description": "Fractional PD uplift for TTC method e.g. 0.35 = 35%." }, "pd_direct_pct": { "type": "number", "description": "Required if pd_method=pit. Point-in-time 1-year PD (%)." }, "asset_class": { "type": "string", "enum": [ "corporate", "revolving", "mortgage", "trade", "sme" ] }, "lgd_method": { "type": "string", "enum": [ "haircut", "market" ] }, "collateral_value": { "type": "number" }, "collateral_haircut": { "type": "number", "description": "Haircut fraction e.g. 0.40 = 40%" }, "recovery_cost_pct": { "type": "number" }, "market_lgd_pct": { "type": "number", "description": "Required if lgd_method=market" }, "ead_type": { "type": "string", "enum": [ "drawn", "committed" ] }, "drawn_amount": { "type": "number" }, "undrawn_amount": { "type": "number" }, "ccf_pct": { "type": "number", "description": "Credit Conversion Factor (%)" }, "maturity_years": { "type": "number" }, "ecl_horizon": { "type": "string", "enum": [ "12m", "lifetime" ] } }, "required": [ "pd_method", "asset_class", "lgd_method", "ead_type", "drawn_amount", "maturity_years", "ecl_horizon" ] }, "metadata": { "tool_id": "198-pd-lgd-ead-modeller", "category": "counterparty-credit-risk", "tags": [], "url": "https://ainumbers.co/tools/198-pd-lgd-ead-modeller.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "financial_covenant_compliance_checker", "description": "Input covenant terms and current financial metrics to check compliance and calculate headroom to breach. Covers leverage, interest cover, liquidity, and custom covenants. Stress-test headroom under revenue and margin shocks. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/199-financial-covenant-compliance-checker.html for interactive use.", "inputSchema": { "type": "object", "properties": { "covenants": { "type": "array", "items": { "type": "object", "properties": { "type": { "type": "string", "enum": [ "nd_eb", "eb_int", "fccr", "min_eb", "min_liq", "de", "cr", "capex" ] }, "direction": { "type": "string", "enum": [ "lte", "gte" ] }, "threshold": { "type": "number" }, "actual_ltm": { "type": "number" }, "test_type": { "type": "string", "enum": [ "maintenance", "incurrence" ] } }, "required": [ "type", "direction", "threshold", "actual_ltm", "test_type" ] }, "minItems": 1, "maxItems": 6 }, "revenue_shock": { "type": "number", "description": "Revenue shock fraction e.g. 0.20 = 20% decline" }, "margin_compression_pp": { "type": "number", "description": "EBITDA margin compression in percentage points" } }, "required": [ "covenants", "revenue_shock", "margin_compression_pp" ] }, "metadata": { "tool_id": "199-financial-covenant-compliance-checker", "category": "counterparty-credit-risk", "tags": [], "url": "https://ainumbers.co/tools/199-financial-covenant-compliance-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "cva_calculator", "description": "SA-CCR Basel III CVA engine. Input trade type, notional, maturity, mark-to-market, and collateral to calculate RC, PFE, EAD, and CVA capital charge. Supports multi-trade netting sets. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/200-cva-calculator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "trades": { "type": "array", "description": "Array of derivative trades: asset_class (ir/fx/credit/equity/commodity), notional (USD), maturity_yrs, mtm (mark-to-market USD)" }, "collateral": { "type": "number", "description": "Collateral held USD" }, "netting_agreement": { "type": "string", "enum": [ "isda", "none" ] }, "counterparty_rating": { "type": "string", "enum": [ "aaa_aa", "a", "bbb", "bb", "b", "ccc_below" ] } }, "required": [ "trades" ] }, "metadata": { "tool_id": "200-cva-calculator", "category": "counterparty-credit-risk", "tags": [], "url": "https://ainumbers.co/tools/200-cva-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "calculate_basel_rwa", "description": "Calculate Risk-Weighted Assets and minimum capital requirements for a portfolio of exposures under Basel III SA or CRR3/Basel IV. Returns total RWA, capital requirement, and per-exposure breakdown. Use when an agent needs to compute regulatory capital for credit risk reporting.", "inputSchema": { "type": "object", "required": [ "framework", "exposures" ], "properties": { "framework": { "type": "string", "enum": [ "crr3", "b3" ] }, "exposures": { "type": "array", "items": { "type": "object" } } } }, "metadata": { "tool_id": "basel-rwa-calculator", "category": "treasury-strategy", "tags": [ "Basel III", "Basel IV", "CRR3", "RWA", "credit risk", "capital", "SA", "regulatory capital" ], "url": "https://ainumbers.co/tools/201-basel-rwa-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "4.0.0", "prefill": true } }, { "name": "credit_stress_testing_workbench", "description": "Apply macro stress scenarios \u2014 GDP shock, rate move, sector downturn, FX shock \u2014 to counterparty credit metrics. Outputs scenario comparison table, credit metric migration, Markdown stress memo, and Policy Mandate JSON stress scenario record. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/202-credit-stress-testing-workbench.html for interactive use.", "inputSchema": { "type": "object", "properties": { "base_rating": { "type": "string", "description": "Current S&P-equivalent rating e.g. BBB" }, "sector": { "type": "string", "enum": [ "general", "tech", "healthcare", "utilities", "realestate", "energy", "retail", "financial" ] }, "base_pd_pct": { "type": "number", "description": "Base 1-year PD (%)" }, "base_ead": { "type": "number" }, "base_lgd_pct": { "type": "number" }, "base_rwa": { "type": "number" }, "scenarios": { "type": "array", "items": { "type": "object", "properties": { "scenario_id": { "type": "string", "enum": [ "mild", "moderate", "severe", "custom" ] }, "name": { "type": "string" }, "gdp_shock_pct": { "type": "number" }, "rate_move_bps": { "type": "number" }, "sector_shock_pct": { "type": "number" }, "fx_shock_pct": { "type": "number" } }, "required": [ "scenario_id" ] }, "minItems": 1 } }, "required": [ "base_rating", "sector", "base_pd_pct", "base_ead", "base_lgd_pct", "base_rwa", "scenarios" ] }, "metadata": { "tool_id": "202-credit-stress-testing-workbench", "category": "counterparty-credit-risk", "tags": [], "url": "https://ainumbers.co/tools/202-credit-stress-testing-workbench.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "raroc_loan_pricing_model", "description": "Model risk-adjusted return on capital for loan pricing. Inputs: loan amount, margin, fees, cost of funds, expected loss (from T198), capital allocation (from T201), and operating cost. Outputs RAROC, economic profit/loss, minimum margin for target RAROC, and Policy Mandate JSON loan pricing record. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/203-raroc-loan-pricing-model.html for interactive use.", "inputSchema": { "type": "object", "properties": { "loan_amount": { "type": "number" }, "maturity_years": { "type": "number" }, "all_in_margin_bps": { "type": "number", "description": "All-in margin over reference rate (bps)" }, "cost_of_funds_bps": { "type": "number", "description": "Bank internal funding cost over reference rate (bps)" }, "upfront_fee_pct": { "type": "number", "description": "Upfront fee as % of facility" }, "annual_fee_pct": { "type": "number", "description": "Annual agency/commitment fee as % of facility" }, "expected_loss_annual": { "type": "number", "description": "Annual expected loss ($) \u2014 from T198" }, "rwa": { "type": "number", "description": "Risk-Weighted Assets ($) \u2014 from T201" }, "cet1_ratio_pct": { "type": "number", "description": "CET1 capital ratio held against this RWA (%)" }, "opex_ratio_pct": { "type": "number", "description": "Operating cost as % of loan p.a." }, "hurdle_rate_pct": { "type": "number", "description": "Target RAROC hurdle rate (%)" }, "cost_of_equity_pct": { "type": "number", "description": "CAPM cost of equity for Economic Profit (%)" } }, "required": [ "loan_amount", "maturity_years", "all_in_margin_bps", "cost_of_funds_bps", "upfront_fee_pct", "annual_fee_pct", "expected_loss_annual", "rwa", "cet1_ratio_pct", "opex_ratio_pct", "hurdle_rate_pct", "cost_of_equity_pct" ] }, "metadata": { "tool_id": "203-raroc-loan-pricing-model", "category": "counterparty-credit-risk", "tags": [], "url": "https://ainumbers.co/tools/203-raroc-loan-pricing-model.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "ifrs9_credit_migration_matrix", "description": "Generate cohort transition matrices across credit rating bands for IFRS 9 ECL modelling. Embedded benchmark matrices by asset class. Calculate Stage 1/2/3 migration probabilities, lifetime PD curves, macro overlay, and ECL stage allocation. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/204-ifrs9-credit-migration-matrix.html for interactive use.", "inputSchema": { "type": "object", "properties": { "asset_class": { "type": "string", "enum": [ "ig_corporate", "sg_corporate", "sme_loan", "resi_mortgage", "consumer" ] }, "current_rating_index": { "type": "integer", "minimum": 0, "maximum": 6, "description": "0=AAA, 1=AA, 2=A, 3=BBB, 4=BB, 5=B, 6=CCC" }, "origination_rating_index": { "type": "integer", "minimum": 0, "maximum": 6 }, "maturity_years": { "type": "number", "minimum": 0.5, "maximum": 10 }, "ead": { "type": "number" }, "lgd_pct": { "type": "number" }, "macro_overlay_factor": { "type": "number", "description": "PiT uplift multiplier e.g. 1.35 = 35% increase. 1.0 = no overlay." }, "portfolio_counts": { "type": "array", "items": { "type": "integer", "minimum": 0 }, "minItems": 7, "maxItems": 7, "description": "Count of counterparties at each rating band [AAA,AA,A,BBB,BB,B,CCC] for portfolio stage distribution. Optional \u2014 set all to 0 to skip." } }, "required": [ "asset_class", "current_rating_index", "origination_rating_index", "maturity_years", "ead", "lgd_pct", "macro_overlay_factor" ] }, "metadata": { "tool_id": "204-ifrs9-credit-migration-matrix", "category": "counterparty-credit-risk", "tags": [], "url": "https://ainumbers.co/tools/204-ifrs9-credit-migration-matrix.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fx_margin_cost_transparency", "description": "Deconstruct FX spreads in real time. Compare up to 3 providers against mid-market rate, calculate implied margin in bps, and benchmark against corridor percentiles. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/209-fx-margin-cost-transparency.html for interactive use.", "inputSchema": { "type": "object", "properties": { "currency_pair": { "type": "string", "description": "ISO 4217 currency pair code, e.g. EURUSD, USDMXN", "examples": [ "EURUSD", "GBPUSD", "USDMXN", "USDINR" ] }, "mid_market_rate": { "type": "number", "description": "Mid-market reference rate. If omitted, embedded indicative rate is used." }, "transfer_amount": { "type": "number", "description": "Transfer amount in base currency" }, "providers": { "type": "array", "description": "1 to 3 provider quoted rates", "items": { "type": "object", "properties": { "name": { "type": "string" }, "quoted_rate": { "type": "number" } }, "required": [ "quoted_rate" ] }, "minItems": 1, "maxItems": 3 } }, "required": [ "currency_pair", "providers" ] }, "metadata": { "tool_id": "209-fx-margin-cost-transparency", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/209-fx-margin-cost-transparency.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "cross_border_payment_failure_model", "description": "Model failure probability for cross-border payment instructions by originator bank tier, correspondent chain length, beneficiary jurisdiction risk, and payment purpose code. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/210-cross-border-payment-failure-model.html for interactive use.", "inputSchema": { "type": "object", "properties": { "origTier": { "type": "string" }, "chainLen": { "type": "string" }, "jurisdRisk": { "type": "string" }, "purposeCode": { "type": "string" }, "payAmount": { "type": "string" }, "swiftGpi": { "type": "string" } } }, "metadata": { "tool_id": "210-cross-border-payment-failure-model", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/210-cross-border-payment-failure-model.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fx_hedging_instrument_comparison", "description": "Compare FX hedging instruments: deliverable forward, NDF, vanilla FX option, participating forward, zero-cost collar. Payoff diagrams, premium cost, hedge effectiveness, Greeks. Export Policy Mandate hedging policy. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/211-fx-hedging-instrument-comparison.html for interactive use.", "inputSchema": { "type": "object", "properties": { "instrument": { "type": "string", "enum": [ "forward", "ndf", "option", "participating", "collar" ] }, "notional": { "type": "number" }, "spot": { "type": "number" }, "tenor_months": { "type": "integer" }, "strike": { "type": "number" }, "implied_vol_pct": { "type": "number" }, "rate_base_pct": { "type": "number" }, "rate_quote_pct": { "type": "number" } }, "required": [ "instrument", "notional", "spot", "tenor_months" ] }, "metadata": { "tool_id": "211-fx-hedging-instrument-comparison", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/211-fx-hedging-instrument-comparison.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "swift_gpi_rail_comparator", "description": "Compare international and domestic real-time payment rails: SWIFT gpi, SEPA Instant, FedNow, PIX, UPI, PayTo, Faster Payments. Cost-speed-finality matrix, recommended rail, Policy Mandate JSON routing policy. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/212-swift-gpi-rail-comparator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "origin_region": { "type": "string" }, "destination_region": { "type": "string" }, "payment_type": { "type": "string", "enum": [ "retail", "b2b", "highvalue", "remittance" ] }, "urgency": { "type": "string", "enum": [ "instant", "same_day", "next_day", "standard" ] } }, "required": [ "origin_region", "destination_region", "payment_type" ] }, "metadata": { "tool_id": "212-swift-gpi-rail-comparator", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/212-swift-gpi-rail-comparator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "currency_risk_exposure_heatmap", "description": "Model subsidiary-level FX exposure across multi-entity corporate structure. Intercompany receivables/payables by currency, natural hedge identification, net FX exposure matrix. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/213-currency-risk-exposure-heatmap.html for interactive use.", "inputSchema": { "type": "object", "properties": {}, "patternProperties": { "^e[0-3]_name$": { "type": "string", "description": "Entity name for entity slot 0-3 (optional)" }, "^e[0-3]_fccy$": { "type": "string", "description": "Functional currency for entity slot 0-3 (USD/EUR/GBP/JPY)" }, "^e[0-3]_(USD|EUR|GBP|JPY|CNY|BRL)$": { "type": "string", "description": "Net exposure in that currency for entity slot 0-3 (receivables +, payables -)" } } }, "metadata": { "tool_id": "213-currency-risk-exposure-heatmap", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/213-currency-risk-exposure-heatmap.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "ibor_transition_reference_checker", "description": "IBOR to RFR reference calculator. SOFR (ARRC), \u20acSTR (ECB), SONIA (BoE), TONA (BoJ) under ISDA spread adjustment methodologies. Replacement rate, spread adjustment, fallback language reference. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/214-ibor-transition-reference-checker.html for interactive use.", "inputSchema": { "type": "object", "properties": { "iborType": { "type": "string" }, "tenor": { "type": "string" }, "methodology": { "type": "string" }, "contractRate": { "type": "string" } } }, "metadata": { "tool_id": "214-ibor-transition-reference-checker", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/214-ibor-transition-reference-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fx_settlement_fails_assessor", "description": "Assess FX settlement risk: CLS vs. non-CLS exposure, principal risk, replacement cost, Herstatt risk. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/215-fx-settlement-fails-assessor.html for interactive use.", "inputSchema": { "type": "object", "properties": { "settlType": { "type": "string" }, "notional": { "type": "string" }, "counterparty": { "type": "string" }, "pairClass": { "type": "string" }, "settlLag": { "type": "string" } } }, "metadata": { "tool_id": "215-fx-settlement-fails-assessor", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/215-fx-settlement-fails-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "corridor_cost_ranker", "description": "Rank cross-border B2B corridors by total all-in cost: FX margin + correspondent fee + SWIFT message fee + lifting charges. Compare bank wire vs. fintech aggregator. Policy Mandate JSON routing policy. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/216-corridor-cost-ranker.html for interactive use.", "inputSchema": { "type": "object", "properties": { "corridor": { "type": "string" }, "amount_usd": { "type": "number" }, "payment_method": { "type": "string", "enum": [ "all", "bank", "fintech" ] }, "monthly_volume": { "type": "integer" } }, "required": [ "corridor", "amount_usd" ] }, "metadata": { "tool_id": "216-corridor-cost-ranker", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/216-corridor-cost-ranker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "em_fx_risk_classifier", "description": "Classify EM FX risk by currency: convertibility risk tier, capital controls, liquidity risk score, NDF premium, recommended hedging approach. 40+ EM currencies. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/217-em-fx-risk-classifier.html for interactive use.", "inputSchema": { "type": "object", "properties": { "region": { "type": "string" }, "currency": { "type": "string" } } }, "metadata": { "tool_id": "217-em-fx-risk-classifier", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/217-em-fx-risk-classifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "pvp_settlement_sync_model", "description": "Compare CLS, bilateral PvP, and sequential FX settlement. Settlement risk exposure, timing mismatch, netting efficiency. PvP design memo. Based on BIS PvP guidance (Nov 2022). Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/218-pvp-settlement-sync-model.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "218-pvp-settlement-sync-model", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/218-pvp-settlement-sync-model.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "pacs008_cross_border_generator", "description": "Generate ISO 20022 pacs.008 FIToFICstmrCdtTrf with generated UETR, SR2026 validation, CBPR+ check, MT103 field mapping. Policy Mandate JSON payment stub. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/219-pacs008-cross-border-generator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "amount": { "type": "number" }, "currency": { "type": "string" }, "purpose": { "type": "string" }, "debtor_name": { "type": "string" }, "debtor_iban": { "type": "string" }, "debtor_bic": { "type": "string" }, "creditor_name": { "type": "string" }, "creditor_iban": { "type": "string" }, "creditor_bic": { "type": "string" }, "cbpr_validation": { "type": "string", "enum": [ "yes", "no" ] } }, "required": [ "amount", "currency", "debtor_bic", "creditor_bic" ] }, "metadata": { "tool_id": "219-pacs008-cross-border-generator", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/219-pacs008-cross-border-generator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "correspondent_derisking_modeler", "description": "Model operational and cost impact of correspondent banking de-risking on a payment corridor. Simulate loss of 1, 2, or all correspondents. Hop count, cost, volume at risk, corridor vulnerability. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/220-correspondent-derisking-modeler.html for interactive use.", "inputSchema": { "type": "object", "properties": { "corridor": { "type": "string" }, "corrCount": { "type": "string" }, "volume": { "type": "string" }, "payType": { "type": "string" } } }, "metadata": { "tool_id": "220-correspondent-derisking-modeler", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/220-correspondent-derisking-modeler.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "cross_border_finality_comparator", "description": "Compare settlement transparency and finality across major cross-border rails. G20/FSB cross-border target alignment. Policy Mandate JSON rail policy. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/221-cross-border-finality-comparator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "filter": { "type": "string", "enum": [ "all", "cross-border", "domestic", "eu", "us", "global" ] } } }, "metadata": { "tool_id": "221-cross-border-finality-comparator", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/221-cross-border-finality-comparator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fatf_travel_rule_checker", "description": "Determine Travel Rule data obligations for cross-border wire or virtual asset transfer by originating/destination jurisdiction. Covers US FinCEN, EU TFR 2023/1113, UK MLR 2017, SG MAS PSN02, AU AUSTRAC, UAE CBUAE, CH FINMA, FATF baseline. Policy Mandate JSON Travel Rule payload stub. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/222-fatf-travel-rule-checker.html for interactive use.", "inputSchema": { "type": "object", "properties": { "origin_jurisdiction": { "type": "string", "enum": [ "US", "EU", "UK", "SG", "AU", "UAE", "CH", "FATF" ] }, "destination_jurisdiction": { "type": "string", "enum": [ "US", "EU", "UK", "SG", "AU", "UAE", "CH", "FATF", "NON_FATF" ] }, "transfer_amount_usd": { "type": "number" }, "asset_type": { "type": "string", "enum": [ "wire", "vasp", "stablecoin", "emi" ] } }, "required": [ "origin_jurisdiction", "destination_jurisdiction", "transfer_amount_usd", "asset_type" ] }, "metadata": { "tool_id": "222-fatf-travel-rule-checker", "category": "cross-border-fx", "tags": [], "url": "https://ainumbers.co/tools/222-fatf-travel-rule-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "check_nacha_ach_compliance", "description": "Checks an ACH programme configuration against NACHA Operating Rules \u00a72\u2013\u00a79 with March 2026 Fraud Monitoring amendments. Returns compliance status per section, findings, and an AP2 JSON mandate. Use when an agent needs to assess NACHA compliance posture, validate SEC code configurations, or generate a compliance mandate for an ACH origination programme.", "inputSchema": { "type": "object", "properties": { "org_role": { "type": "string" }, "sec_code": { "type": "string" }, "monthly_volume": { "type": "string" }, "uses_same_day_ach": { "type": "string" }, "data_security_encryption": { "type": "string" } }, "required": [ "org_role", "sec_code" ] }, "metadata": { "tool_id": "nacha-ach-rule-compliance-checker", "category": "cat-19", "tags": [ "NACHA", "ACH", "ODFI", "RDFI", "return codes", "fraud monitoring", "data security", "compliance", "AP2" ], "url": "https://ainumbers.co/tools/224-nacha-ach-rule-compliance-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "test_interchange_qualification", "description": "Determines the Visa or Mastercard interchange qualification tier for a transaction based on card type, channel, AVS/CVV results, settlement timing, and 3DS status. Returns estimated interchange cost and optimisation recommendations. Use when an agent needs to model interchange costs, identify downgrades, or generate an interchange policy mandate.", "inputSchema": { "type": "object", "properties": { "card_brand": { "type": "string" }, "card_type": { "type": "string" }, "transaction_amount_usd": { "type": "number" }, "channel": { "type": "string" }, "avs_result": { "type": "string" }, "same_day_batch": { "type": "string" } }, "required": [ "card_brand", "transaction_amount_usd", "channel" ] }, "metadata": { "tool_id": "visa-mc-interchange-qualification-tester", "category": "cat-19", "tags": [ "interchange", "Visa", "Mastercard", "qualification", "CPS", "Merit I", "downgrade", "CNP", "EMV", "AP2" ], "url": "https://ainumbers.co/tools/225-visa-mc-interchange-qualification-tester.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_pci_dss_scope", "description": "Runs a PCI DSS v4.0 scope assessment wizard for merchants and service providers. Determines applicable SAQ form, CDE boundary, and 12-requirement applicability. Use when an agent needs to assess PCI DSS scope, determine SAQ type, or generate a compliance mandate for a payment card data environment.", "inputSchema": { "type": "object", "properties": { "org_type": { "type": "string" }, "channels": { "type": "array", "items": { "type": "string" } }, "card_data_stored": { "type": "boolean" } }, "required": [ "org_type", "channels" ] }, "metadata": { "tool_id": "pci-dss-v4-scope-wizard", "category": "cat-19", "tags": [ "PCI DSS", "v4.0", "SAQ", "CDE", "scope", "compliance", "audit", "AP2" ], "url": "https://ainumbers.co/tools/226-pci-dss-v4-scope-wizard.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "lookup_dispute_reason_code", "description": "Looks up a Visa VDR, Mastercard MDR, or Amex CMG dispute reason code and returns required response documentation, deadlines, and arbitration rules. Use when an agent needs to identify chargeback documentation requirements or dispute time limits for a specific reason code.", "inputSchema": { "type": "object", "properties": { "reason_code": { "type": "string" }, "scheme": { "type": "string", "enum": [ "visa", "mc", "amex", "all" ] } }, "required": [ "reason_code" ] }, "metadata": { "tool_id": "card-dispute-reason-code-mapper", "category": "cat-19", "tags": [ "chargeback", "dispute", "reason codes", "Visa", "Mastercard", "Amex", "VDR", "MDR", "CMG", "representment" ], "url": "https://ainumbers.co/tools/227-card-dispute-reason-code-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "check_3ds_sca_compliance", "description": "Assesses a 3DS 2.x / EMV authentication implementation for PSD2/PSD3/FCA SCA compliance. Evaluates flow type, SCA exemption eligibility (TRA thresholds, low-value, trusted beneficiary, recurring), liability shift, and soft decline handling. Use when an agent needs to validate SCA compliance, assess exemption applicability, or generate a 3DS authentication policy mandate.", "inputSchema": { "type": "object", "properties": { "jurisdiction": { "type": "string" }, "amount_eur": { "type": "number" }, "tds_version": { "type": "string" }, "exemption_type": { "type": "string" }, "tra_fraud_rate": { "type": "string" } }, "required": [ "jurisdiction", "amount_eur", "tds_version" ] }, "metadata": { "tool_id": "3ds-emv-compliance-checker", "category": "cat-19", "tags": [ "3DS", "EMV", "SCA", "PSD2", "PSD3", "frictionless", "challenge", "TRA", "liability shift", "FCA", "AP2" ], "url": "https://ainumbers.co/tools/228-3ds-emv-compliance-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "check_rtp_participation_eligibility", "description": "Checks eligibility and onboarding requirements for one or more real-time payment networks (FedNow, RTP/TCH, PIX, UPI, PayTo/NPP, Faster Payments, SEPA Instant). Returns per-network eligibility status and step-by-step onboarding checklist. Use when an agent needs to assess RTP participation readiness, identify missing prerequisites, or generate a network participation mandate.", "inputSchema": { "type": "object", "properties": { "institution_type": { "type": "string" }, "primary_jurisdiction": { "type": "string" }, "networks": { "type": "string" }, "iso_capability": { "type": "string" } }, "required": [ "institution_type", "primary_jurisdiction" ] }, "metadata": { "tool_id": "rtp-network-participation-checker", "category": "cat-19", "tags": [ "RTP", "FedNow", "RTP/TCH", "PIX", "UPI", "NPP", "PayTo", "Faster Payments", "SEPA Instant", "ISO 20022", "participation", "AP2" ], "url": "https://ainumbers.co/tools/229-rtp-network-participation-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_rule_change_impact", "description": "Models the portfolio impact of a specific Visa, Mastercard, or NACHA rule change from the 2025\u20132026 cycle. Returns affected transaction volume, estimated interchange cost delta, required compliance actions, and implementation timeline. Use when an agent needs to quantify rule change exposure, prioritise remediation, or generate a compliance impact mandate.", "inputSchema": { "type": "object", "properties": { "rule_change_id": { "type": "string" }, "monthly_volume": { "type": "integer" }, "average_ticket_usd": { "type": "number" }, "channel_mix": { "type": "string" } }, "required": [ "rule_change_id", "monthly_volume", "average_ticket_usd" ] }, "metadata": { "tool_id": "network-rule-change-impact-assessor", "category": "cat-19", "tags": [ "rule changes", "Visa", "Mastercard", "NACHA", "interchange impact", "compliance", "2026", "AP2" ], "url": "https://ainumbers.co/tools/230-network-rule-change-impact-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "benchmark_card_scheme_fees", "description": "Benchmarks Visa and Mastercard acquirer scheme fees for a given card type and region (US, EU, UK, APAC). Returns per-component fee breakdown, blended monthly and annual estimates, and optimisation recommendations. Use when an agent needs to model scheme fee cost of acceptance, compare Visa vs MC scheme fees, or generate a scheme fee policy mandate.", "inputSchema": { "type": "object", "properties": { "region": { "type": "string" }, "card_type": { "type": "string" }, "monthly_volume": { "type": "integer" }, "average_ticket": { "type": "number" }, "channel_type": { "type": "string" } }, "required": [ "region", "card_type", "monthly_volume", "average_ticket" ] }, "metadata": { "tool_id": "card-scheme-fee-benchmarking", "category": "cat-19", "tags": [ "scheme fees", "Visa", "Mastercard", "assessment fee", "NABU", "benchmarking", "interchange", "optimisation", "AP2" ], "url": "https://ainumbers.co/tools/233-card-scheme-fee-benchmarking.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "sme_credit_risk_scoring", "description": "6-dimension SME credit risk scoring engine. Score revenue, business age, DSCR, payment behaviour, sector risk, and adverse events. Internal rating, lending recommendations, Policy Mandate JSON export. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/239-sme-credit-risk-scoring.html for interactive use.", "inputSchema": { "type": "object", "required": [ "currency", "sector", "revenue", "businessAge", "dscr", "paymentBehaviour", "adverseEvents" ], "properties": { "currency": { "type": "string", "enum": [ "GBP", "USD", "EUR" ], "description": "Reporting currency" }, "sector": { "type": "string", "description": "Industry sector of the SME" }, "revenue": { "type": "number", "minimum": 0, "description": "Annual revenue in selected currency" }, "businessAge": { "type": "number", "minimum": 0, "description": "Business age in months" }, "dscr": { "type": "number", "minimum": 0, "description": "Debt Service Coverage Ratio (NOI / Debt Service)" }, "paymentBehaviour": { "type": "string", "enum": [ "excellent", "good", "fair", "poor", "default" ], "description": "Historical payment behaviour classification" }, "adverseEvents": { "type": "string", "enum": [ "none", "minor", "ccj", "significant", "insolvency" ], "description": "Adverse credit events on record" } } }, "metadata": { "tool_id": "239-sme-credit-risk-scoring", "category": "sme-financial-health", "tags": [], "url": "https://ainumbers.co/tools/239-sme-credit-risk-scoring.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "working_capital_gap_calculator", "description": "Calculate your SME's cash conversion cycle (CCC) and working capital funding gap. Recommends overdraft, invoice finance, revenue-based finance, and trade credit instruments. Policy Mandate JSON export. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/240-working-capital-gap-calculator.html for interactive use.", "inputSchema": { "type": "object", "required": [ "currency", "sector", "annualRevenue", "arDays", "inventoryDays", "apDays" ], "properties": { "currency": { "type": "string", "enum": [ "GBP", "USD", "EUR" ] }, "sector": { "type": "string", "description": "Industry sector for benchmark comparison" }, "annualRevenue": { "type": "number", "minimum": 0 }, "arDays": { "type": "number", "minimum": 0, "description": "Average accounts receivable days outstanding" }, "inventoryDays": { "type": "number", "minimum": 0, "description": "Average inventory holding days" }, "apDays": { "type": "number", "minimum": 0, "description": "Average accounts payable days" } } }, "metadata": { "tool_id": "240-working-capital-gap-calculator", "category": "sme-financial-health", "tags": [], "url": "https://ainumbers.co/tools/240-working-capital-gap-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "business_loan_readiness_checker", "description": "Score SME loan readiness against high street bank, challenger bank, fintech, and government-backed scheme criteria. Gap analysis per lender category. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/241-business-loan-readiness-checker.html for interactive use.", "inputSchema": { "type": "object", "properties": { "currency": { "type": "string" }, "loanPurpose": { "type": "string" }, "revenue": { "type": "string" }, "tradingMonths": { "type": "string" }, "dscr": { "type": "string" }, "creditHistory": { "type": "string" }, "assetCoverage": { "type": "string" }, "profitability": { "type": "string" } } }, "metadata": { "tool_id": "241-business-loan-readiness-checker", "category": "sme-financial-health", "tags": [], "url": "https://ainumbers.co/tools/241-business-loan-readiness-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "invoice_finance_eligibility", "description": "Assess SME eligibility for invoice discounting, factoring, and selective invoice finance. Funding availability estimate, fee model, Markdown report. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/242-invoice-finance-eligibility.html for interactive use.", "inputSchema": { "type": "object", "properties": { "currency": { "type": "string" }, "debtorType": { "type": "string" }, "monthlyInvoices": { "type": "string" }, "annualTurnover": { "type": "string" }, "paymentTerms": { "type": "string" }, "debtorConc": { "type": "string" }, "disputeRate": { "type": "string" }, "tradingYears": { "type": "string" } } }, "metadata": { "tool_id": "242-invoice-finance-eligibility", "category": "sme-financial-health", "tags": [], "url": "https://ainumbers.co/tools/242-invoice-finance-eligibility.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "open_finance_credit_signal_mapper", "description": "Model how CFPB 1033 / PSD3 open banking data improves SME underwriting. Credit signal quality assessment, underwriting improvement estimate, Policy Mandate JSON export. Modelling tool \u2014 no real data processed. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/243-open-finance-credit-signal-mapper.html for interactive use.", "inputSchema": { "type": "object", "required": [ "jurisdiction", "currentApproach", "dataMonths", "smeSector", "selectedSignalIds" ], "properties": { "jurisdiction": { "type": "string", "enum": [ "uk", "us", "eu", "au" ], "description": "Regulatory jurisdiction" }, "currentApproach": { "type": "string", "enum": [ "trad", "supplemented", "hybrid", "advanced" ], "description": "Current underwriting approach" }, "dataMonths": { "type": "integer", "enum": [ 3, 6, 12, 24 ], "description": "Months of historical transaction data available" }, "smeSector": { "type": "string", "enum": [ "retail", "services", "manufacturing", "hospitality", "construction" ] }, "selectedSignalIds": { "type": "array", "items": { "type": "string", "enum": [ "sig_income", "sig_cashflow", "sig_merchant", "sig_savings", "sig_credit_behav", "sig_seasonal" ] } } } }, "metadata": { "tool_id": "243-open-finance-credit-signal-mapper", "category": "sme-financial-health", "tags": [], "url": "https://ainumbers.co/tools/243-open-finance-credit-signal-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "revenue_based_finance_calculator", "description": "Model revenue-based finance economics: advance, revenue share, cap rate. Repayment timeline, total cost of capital, effective APR, payback scenarios. Policy Mandate JSON export. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/244-revenue-based-finance-calculator.html for interactive use.", "inputSchema": { "type": "object", "required": [ "currency", "advanceAmount", "monthlyRevenue", "revenueSharePct", "capRate" ], "properties": { "currency": { "type": "string", "enum": [ "GBP", "USD", "EUR" ] }, "businessType": { "type": "string", "enum": [ "saas", "ecomm", "services", "marketplace", "other" ] }, "advanceAmount": { "type": "number", "minimum": 1000, "description": "Total RBF advance in selected currency" }, "monthlyRevenue": { "type": "number", "minimum": 1, "description": "Current monthly revenue" }, "revenueSharePct": { "type": "number", "minimum": 0.5, "maximum": 30, "description": "Revenue share as % of monthly revenue" }, "capRate": { "type": "number", "minimum": 1.0, "maximum": 3.0, "description": "Payback multiple (e.g. 1.35 = repay 135% of advance)" } } }, "metadata": { "tool_id": "244-revenue-based-finance-calculator", "category": "sme-financial-health", "tags": [], "url": "https://ainumbers.co/tools/244-revenue-based-finance-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "government_funding_grant_mapper", "description": "Map SME eligibility for SBIR/STTR, Innovate UK, EU Horizon, Growth Guarantee Scheme, and other government funding programmes by jurisdiction, sector, and size. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/245-government-funding-grant-mapper.html for interactive use.", "inputSchema": { "type": "object", "properties": { "jurisdiction": { "type": "string" }, "businessType": { "type": "string" }, "sector": { "type": "string" }, "headcount": { "type": "string" }, "currency": { "type": "string" }, "annualRevenue": { "type": "string" } } }, "metadata": { "tool_id": "245-government-funding-grant-mapper", "category": "sme-financial-health", "tags": [], "url": "https://ainumbers.co/tools/245-government-funding-grant-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "sme_cashflow_stress_test", "description": "13-week rolling cash flow stress model for SMEs. Apply revenue shocks, payment delays, and unexpected capex to model cash runway under stress scenarios. Markdown memo export. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/246-sme-cashflow-stress-test.html for interactive use.", "inputSchema": { "type": "object", "properties": { "currency": { "type": "string" }, "minCashBuffer": { "type": "string" }, "openingCash": { "type": "string" }, "weeklyReceivables": { "type": "string" }, "weeklyPayables": { "type": "string" }, "shock_rev20": { "type": "string" }, "shock_rev40": { "type": "string" }, "shock_delay15": { "type": "string" }, "shock_delay30": { "type": "string" }, "shock_capex": { "type": "string" }, "capexAmount": { "type": "string" } } }, "metadata": { "tool_id": "246-sme-cashflow-stress-test", "category": "sme-financial-health", "tags": [], "url": "https://ainumbers.co/tools/246-sme-cashflow-stress-test.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "lending_covenant_monitoring", "description": "Monitor SME lending covenants: DSCR, leverage ratio, minimum cash balance, current ratio, interest cover. RAG status, headroom %, breach alerts, and Markdown monitoring memo. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/247-lending-covenant-monitoring.html for interactive use.", "inputSchema": { "type": "object", "properties": { "currency": { "type": "string" }, "reviewPeriod": { "type": "string" }, "dscr_thresh": { "type": "string" }, "dscr_actual": { "type": "string" }, "lev_thresh": { "type": "string" }, "lev_actual": { "type": "string" }, "cash_thresh": { "type": "string" }, "cash_actual": { "type": "string" }, "curr_thresh": { "type": "string" }, "curr_actual": { "type": "string" }, "ic_thresh": { "type": "string" }, "ic_actual": { "type": "string" } } }, "metadata": { "tool_id": "247-lending-covenant-monitoring", "category": "sme-financial-health", "tags": [], "url": "https://ainumbers.co/tools/247-lending-covenant-monitoring.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "validate_iso20022_message", "description": "Validate an ISO 20022 XML message (pacs.008, pain.001, camt.053, and 20+ other types) against embedded schema rules. Returns field-by-field parsing with business context, validation errors, and CBPR+ compliance flags. Use when checking ISO 20022 message structure before submission.", "inputSchema": { "type": "object", "required": [ "xml_content" ], "properties": { "xml_content": { "type": "string" }, "message_type": { "type": "string" }, "ruleset": { "type": "string", "enum": [ "cbpr+", "base", "fedwire", "sepa" ] } } }, "metadata": { "tool_id": "iso20022-message-validator", "category": "realtime-payments", "tags": [ "ISO20022", "XML", "validator", "pacs", "pain", "camt", "SWIFT", "CBPR+", "export" ], "url": "https://ainumbers.co/tools/248-iso20022-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "iso20022_cross_rail_compatibility", "description": "Check ISO 20022 message compatibility across real-time payment rail implementations: FedNow, RTP/TCH, SEPA Instant, Faster Payments, PIX, PayNow. Field-level diff report and Policy Mandate routing policy. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/254-iso20022-cross-rail-compatibility.html for interactive use.", "inputSchema": { "type": "object", "properties": { "message_type": { "type": "string", "enum": [ "pacs.008", "pacs.002", "pacs.004", "camt.056" ], "description": "ISO 20022 message type to check compatibility for" }, "source_rail": { "type": "string", "enum": [ "fednow", "rtp", "sepa_inst", "fps", "pix", "paynow" ], "description": "Originating real-time payment rail" }, "target_rails": { "type": "array", "items": { "type": "string", "enum": [ "fednow", "rtp", "sepa_inst", "fps", "pix", "paynow" ] }, "minItems": 1, "maxItems": 4, "description": "One to four destination rails to check compatibility against" } }, "required": [ "message_type", "source_rail", "target_rails" ] }, "metadata": { "tool_id": "254-iso20022-cross-rail-compatibility", "category": "realtime-payments", "tags": [], "url": "https://ainumbers.co/tools/254-iso20022-cross-rail-compatibility.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fednow_participation_readiness_scorer", "description": "Score institution readiness against 47 FedNow technical and operational participation requirements across 6 domains. Outputs gap checklist, implementation roadmap, and Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/255-fednow-participation-readiness-scorer.html for interactive use.", "inputSchema": { "type": "object", "properties": { "institution_type": { "type": "string", "enum": [ "community-bank", "credit-union", "regional-bank", "large-bank", "non-bank-psp", "core-vendor" ], "description": "Type of financial institution seeking FedNow participation" }, "core_banking_system": { "type": "string", "enum": [ "jack-henry", "fis", "fiserv", "temenos", "thought-machine", "ncr", "inhouse", "other" ], "description": "Core banking platform \u2014 used to contextualise integration complexity" }, "connectivity_type": { "type": "string", "enum": [ "fedline-direct", "fedline-command", "fedline-web", "passthrough", "tbd" ], "description": "Planned FedNow connectivity method" }, "item_statuses": { "type": "object", "description": "Map of requirement IDs to completion status. Keys: cbc1\u2013cbc8, iso1\u2013iso8, fraud1\u2013fraud8, liq1\u2013liq8, dispute1\u2013dispute7, sla1\u2013sla8. Values: 'yes' | 'partial' | 'no'.", "additionalProperties": { "type": "string", "enum": [ "yes", "partial", "no" ] } } }, "required": [ "institution_type", "item_statuses" ] }, "metadata": { "tool_id": "255-fednow-participation-readiness-scorer", "category": "realtime-payments", "tags": [], "url": "https://ainumbers.co/tools/255-fednow-participation-readiness-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "rtp_fraud_velocity_rule_builder", "description": "Configure fraud velocity rules within the sub-second RTP authorisation window. Covers mule detection, reverse-push patterns, velocity thresholds for FedNow/RTP/PIX/Faster Payments, rule conflict detection, latency budget analysis, and Policy Mandate JSON RTP fraud policy. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/256-rtp-fraud-velocity-rule-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": { "rail": { "type": "string", "enum": [ "fednow", "rtp", "fps", "pix", "sepa_inst", "paynow" ], "description": "Target real-time payment rail" }, "latency_budget_ms": { "type": "integer", "enum": [ 250, 500, 750, 1000 ], "description": "Maximum permissible latency for the entire rule set in the authorisation path" }, "rules": { "type": "array", "maxItems": 6, "items": { "type": "object", "properties": { "type": { "type": "string", "enum": [ "velocity_count", "velocity_amount", "mule_detection", "reverse_push", "amount_anomaly", "device_ip_vel" ] }, "window_seconds": { "type": "integer", "enum": [ 60, 300, 900, 3600, 86400 ] }, "customer_risk_tier": { "type": "string", "enum": [ "all", "high", "medium", "low" ] }, "threshold_count": { "type": "integer", "minimum": 1 }, "threshold_amount": { "type": "number", "minimum": 0 }, "action": { "type": "string", "enum": [ "block", "hold", "alert", "monitor" ] } }, "required": [ "type", "window_seconds", "action" ] }, "description": "Array of fraud velocity rules to evaluate" } }, "required": [ "rail", "latency_budget_ms", "rules" ] }, "metadata": { "tool_id": "256-rtp-fraud-velocity-rule-builder", "category": "realtime-payments", "tags": [], "url": "https://ainumbers.co/tools/256-rtp-fraud-velocity-rule-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "psr_reimbursement_workflow_builder", "description": "Step-by-step UK PSR mandatory APP fraud reimbursement claim assessment workflow. \u00a385,000 cap, gross negligence checklist, 50/50 PSP split, 5-business-day clock. claims Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/257-psr-reimbursement-workflow-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": { "claim_amount_gbp": { "type": "number", "minimum": 0.01, "description": "Total amount claimed by the consumer as APP fraud loss (\u00a3GBP)" }, "fraud_type": { "type": "string", "enum": [ "purchase", "investment", "romance", "impersonation_bank", "impersonation_police", "impersonation_hmrc", "ceo_mandate", "advance_fee", "other" ], "description": "APP fraud / scam typology" }, "consumer_vulnerability": { "type": "string", "enum": [ "no", "yes", "potential" ], "description": "Consumer vulnerability status \u2014 confirmed vulnerable consumers receive zero excess and enhanced care" }, "account_type": { "type": "string", "enum": [ "personal", "business", "charity" ] }, "sending_psp_type": { "type": "string", "enum": [ "bank", "building_society", "emi", "payment_institution" ] }, "excess_configured_gbp": { "type": "number", "minimum": 0, "maximum": 100, "description": "PSP-configured excess amount (\u00a30\u2013\u00a3100 maximum per PSR Specific Direction 18)" }, "receiving_psp_identified": { "type": "boolean", "description": "Whether the receiving PSP has been identified via FPS transaction records" }, "gross_negligence_indicators": { "type": "object", "description": "Assessment of 6 PSR gross negligence indicators \u2014 values: 'yes' | 'no' | 'unknown'", "properties": { "ignored_specific_warning": { "type": "string", "enum": [ "yes", "no", "unknown" ] }, "overrode_payment_block": { "type": "string", "enum": [ "yes", "no", "unknown" ] }, "shared_credentials_otp": { "type": "string", "enum": [ "yes", "no", "unknown" ] }, "multiple_payments_despite_warnings": { "type": "string", "enum": [ "yes", "no", "unknown" ] }, "reported_outside_13_months": { "type": "string", "enum": [ "yes", "no", "unknown" ] }, "first_party_fraud_indicators": { "type": "string", "enum": [ "yes", "no", "unknown" ] } } } }, "required": [ "claim_amount_gbp", "fraud_type", "consumer_vulnerability", "gross_negligence_indicators" ] }, "metadata": { "tool_id": "257-psr-reimbursement-workflow-builder", "category": "realtime-payments", "tags": [], "url": "https://ainumbers.co/tools/257-psr-reimbursement-workflow-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "intraday_credit_facility_sizer", "description": "Basel III LCR-framed intraday credit facility sizing model. Minimum liquidity buffer, LCR ratio impact, BCBS 248 indicator set, peak debit stress scenarios, and liquidity Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/258-intraday-credit-facility-sizer.html for interactive use.", "inputSchema": { "type": "object", "properties": { "institution_type": { "type": "string", "enum": [ "large_bank", "regional_bank", "community_bank", "non_bank", "emi" ] }, "settlement_window": { "type": "string", "enum": [ "fednow", "fedwire", "chips", "chaps", "target2", "sepa_inst" ] }, "avg_daily_gross_volume_usd": { "type": "number", "minimum": 1, "description": "Average daily gross payment settlement volume in USD" }, "peak_net_debit_position_usd": { "type": "number", "minimum": 1, "description": "Maximum intraday negative balance \u2014 the ILM1 BCBS 248 indicator (daily max intraday liquidity usage)" }, "buffer_target_pct": { "type": "number", "enum": [ 10, 20, 25, 30, 50 ], "description": "Percentage buffer above peak net debit for minimum intraday liquidity buffer calculation" }, "current_lcr_pct": { "type": "number", "minimum": 0, "description": "Current Liquidity Coverage Ratio as a percentage (\u2265100% = compliant)" }, "current_hqla_usd": { "type": "number", "minimum": 0, "description": "Total High Quality Liquid Assets stock (LCR numerator)" }, "net_cash_outflows_30d_usd": { "type": "number", "minimum": 1, "description": "30-day net cash outflows (LCR denominator)" }, "existing_intraday_line_usd": { "type": "number", "minimum": 0, "description": "Existing committed intraday credit line amount" }, "collateral_type": { "type": "string", "enum": [ "reserves", "govt_securities", "sovereign_bonds", "corp_bonds", "agency_mbs", "other" ] }, "collateral_haircut_pct": { "type": "number", "minimum": 0, "maximum": 100, "description": "Basel III haircut applied to pre-positioned collateral" }, "time_specific_obligations_pct": { "type": "number", "minimum": 0, "maximum": 100, "description": "Percentage of daily volume due at specific times (ILM4 input)" }, "correspondent_flow_pct": { "type": "number", "minimum": 0, "maximum": 100, "description": "Percentage of daily volume flowing through correspondent arrangements (ILM5 input)" }, "payment_timing_first_2hr_pct": { "type": "number", "minimum": 0, "maximum": 100, "description": "Percentage of daily payments sent in first 2 hours of settlement window (ILM7 input)" } }, "required": [ "peak_net_debit_position_usd", "avg_daily_gross_volume_usd", "current_lcr_pct", "current_hqla_usd", "net_cash_outflows_30d_usd" ] }, "metadata": { "tool_id": "258-intraday-credit-facility-sizer", "category": "realtime-payments", "tags": [], "url": "https://ainumbers.co/tools/258-intraday-credit-facility-sizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "ap2_rtp_policy_builder", "description": "Translate real-time payment operational rules, fraud thresholds, and compliance obligations into a validated Policy Mandate JSON for agentic payment systems. Configure rail eligibility, fraud velocity, liquidity triggers, settlement preferences, and escalation conditions. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/259-ap2-rtp-policy-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": { "rail_eligibility": { "type": "object", "properties": { "enabled_rails": { "type": "array", "items": { "type": "string", "enum": [ "fednow", "rtp", "sepa_inst", "fps", "pix", "paynow" ] }, "minItems": 1 }, "min_payment_usd": { "type": "number", "minimum": 0 }, "max_payment_usd": { "type": "number", "minimum": 1 }, "international_payments": { "type": "boolean" }, "credit_push_only": { "type": "boolean" }, "always_on_247": { "type": "boolean" } }, "required": [ "enabled_rails" ] }, "fraud_velocity_thresholds": { "type": "object", "properties": { "max_transactions_per_customer_per_hour": { "type": "integer", "minimum": 1 }, "max_amount_per_customer_per_hour_usd": { "type": "number", "minimum": 0 }, "max_transactions_per_device_per_15min": { "type": "integer", "minimum": 1 }, "auto_allow_below_usd": { "type": "number" }, "manual_review_above_usd": { "type": "number" }, "auto_block_above_usd": { "type": "number" }, "mule_detection_enabled": { "type": "boolean" }, "new_account_age_days": { "type": "integer", "minimum": 1 }, "first_time_payee_max_usd": { "type": "number" }, "fraud_classifier_v1": { "type": "string", "enum": [ "required", "optional", "na" ] } } }, "liquidity_buffer_triggers": { "type": "object", "properties": { "alert_at_pct": { "type": "integer", "minimum": 1, "maximum": 100 }, "auto_pause_at_pct": { "type": "integer", "minimum": 1, "maximum": 100 }, "emergency_at_pct": { "type": "integer", "minimum": 1, "maximum": 100 }, "resume_at_pct": { "type": "integer", "minimum": 1, "maximum": 100 }, "on_alert_action": { "type": "string" }, "on_pause_action": { "type": "string" }, "on_emergency_action": { "type": "string" } } }, "settlement_window_preferences": { "type": "object", "properties": { "primary_rail": { "type": "string" }, "secondary_rail": { "type": "string" }, "sla_preference": { "type": "string", "enum": [ "speed", "balanced", "cost" ] }, "consumer_rail": { "type": "string" }, "b2b_rail": { "type": "string" }, "payroll_rail": { "type": "string" }, "off_hours_action": { "type": "string" } } }, "escalation_conditions": { "type": "object", "properties": { "triggers": { "type": "array", "items": { "type": "string", "enum": [ "fraud_score", "high_amount", "new_jurisdiction", "liquidity_alert", "sanction_hit", "auth_failure", "system_error", "recall_request" ] } }, "escalation_sla_minutes": { "type": "integer", "minimum": 1 }, "escalation_channel": { "type": "string", "enum": [ "queue", "email", "slack", "phone" ] }, "sla_breach_action": { "type": "string" } } } }, "required": [ "rail_eligibility" ] }, "metadata": { "tool_id": "259-ap2-rtp-policy-builder", "category": "realtime-payments", "tags": [], "url": "https://ainumbers.co/tools/259-ap2-rtp-policy-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "269_psp_safeguarding_assessment", "description": "Assess UK FCA-enhanced safeguarding compliance for payment institutions and e-money institutions. Evaluates method, asset quality, reconciliation, and shortfall obligations. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "269-psp-safeguarding-assessment", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/269-psp-safeguarding-assessment.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "270_sepa_olo_readiness_checker", "description": "Check EU PSP readiness for SEPA One-Leg-Out mandatory requirements: structured address, purpose codes, currency conversion disclosure for non-EEA legs. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "270-sepa-olo-readiness-checker", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/270-sepa-olo-readiness-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "271_alias_proxy_directory_readiness_assessor", "description": "Evaluate PSP readiness for alias-based payment routing systems: FedNow alias, UK CoP, UPI, PayID, Zelle. Covers enrollment, lookup, misdirected payment recovery, and GDPR obligations. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "271-alias-proxy-directory-readiness-assessor", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/271-alias-proxy-directory-readiness-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "272_payment_surcharging_compliance_navigator", "description": "Cross-jurisdiction payment surcharging rules navigator. Determine where card and A2A surcharging is permitted, banned, or cost-capped across EU, UK, US, Australia. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "272-payment-surcharging-compliance-navigator", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/272-payment-surcharging-compliance-navigator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "score_fida_open_finance_readiness", "description": "Scores readiness for the draft EU FIDA regulation: entity/data-category scope classification under the current draft texts, FDSS membership readiness, and permission-dashboard obligations. Draft-law horizon tool \u2014 FIDA is not adopted; outputs are planning aids, not compliance conclusions.", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string" }, "role": { "type": "string" }, "data_categories": { "type": "array", "items": { "type": "string" } } }, "required": [ "entity_type", "role" ] }, "metadata": { "tool_id": "fida-open-finance-readiness", "category": "open-banking", "tags": [ "FIDA", "open finance", "financial data access", "FDSS", "permission dashboard", "open banking", "EU", "CFPB 1033", "data holder", "data user" ], "url": "https://ainumbers.co/tools/273-fida-open-finance-readiness.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": false } }, { "name": "lint_mcp_tool_definition", "description": "Validate an MCP tool definition against JSON Schema 2020-12 and current naming, output-schema, and annotation rules; returns findings, a conformance score, and a recommended annotation set. Use when a developer wants to check an MCP tool definition before publishing.", "inputSchema": { "type": "object", "properties": { "tool_definition": { "type": "object", "description": "The MCP tool definition to lint." } }, "required": [ "tool_definition" ] }, "metadata": { "tool_id": "mcp-tool-definition-linter", "category": "cat-1", "tags": [ "MCP", "tool definition", "JSON Schema 2020-12", "annotations", "linter", "agent tooling" ], "url": "https://ainumbers.co/tools/274-mcp-tool-definition-linter.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "validate_mcp_server_json", "description": "Validate an MCP server.json against the 2025-12-11 schema and the official registry publishing rules; returns findings, a registry-readiness score, and an optional compliant skeleton. Use when a developer wants to check a server.json before publishing to the MCP Registry.", "inputSchema": { "type": "object", "properties": { "server_json": { "type": "object", "description": "The MCP server.json document to validate." } }, "required": [ "server_json" ] }, "metadata": { "tool_id": "mcp-server-json-validator", "category": "cat-1", "tags": [ "MCP", "server.json", "registry", "schema validation", "publishing", "agent tooling" ], "url": "https://ainumbers.co/tools/275-mcp-server-json-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "compare_agentic_payment_protocols", "description": "Compare agentic payment protocols (AP2, ACP/Shared Payment Token, x402, Visa TAP, Mastercard Agent Pay) across credential, signing, scope, rail, identity, and audit dimensions; optionally recommend a fit for a scenario. Use when a developer or strategist needs to orient across the fragmenting agentic-payments standards.", "inputSchema": { "type": "object", "properties": { "protocols": { "type": "array", "items": { "type": "string" }, "description": "Subset of protocol ids to compare." }, "scenario": { "type": "string", "description": "Optional scenario id for a recommendation." } } }, "metadata": { "tool_id": "agentic-payments-protocol-comparator", "category": "cat-1", "tags": [ "agentic payments", "AP2", "ACP", "x402", "Visa Trusted Agent Protocol", "Mastercard Agent Pay", "comparator" ], "url": "https://ainumbers.co/tools/276-agentic-payments-protocol-comparator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "decode_x402_payment", "description": "Decode an x402 payment header or lint an exact-scheme PaymentPayload, and describe the HTTP-402 verify/settle flow. Use when a developer is integrating x402 and needs to inspect a header, check a payload shape, or understand the flow.", "inputSchema": { "type": "object", "properties": { "header_or_payload": { "type": "string", "description": "A base64 x402 header value or a PaymentPayload JSON." } }, "required": [ "header_or_payload" ] }, "metadata": { "tool_id": "x402-payload-decoder-flow-simulator", "category": "cat-1", "tags": [ "x402", "HTTP 402", "stablecoin", "PaymentPayload", "facilitator", "agentic payments" ], "url": "https://ainumbers.co/tools/277-x402-payload-decoder-flow-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "audit_mcp_oauth", "description": "Audit MCP OAuth 2.1 authorization: validate RFC 9728 protected-resource-metadata, check RFC 8707 audience binding, and assess token-passthrough / confused-deputy risk. Use when a developer is securing an MCP server's authorization.", "inputSchema": { "type": "object", "properties": { "protected_resource_metadata": { "type": "object", "description": "The /.well-known/oauth-protected-resource JSON." }, "canonical_resource": { "type": "string", "description": "Canonical MCP server resource URI." } } }, "metadata": { "tool_id": "mcp-oauth-authorization-auditor", "category": "cat-1", "tags": [ "MCP", "OAuth 2.1", "RFC 9728", "RFC 8707", "authorization", "confused deputy" ], "url": "https://ainumbers.co/tools/278-mcp-oauth-authorization-auditor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "decode_http_message_signature", "description": "Decode and validate an RFC 9421 HTTP Message Signature, lint a Web Bot Auth JWKS, and score Web Bot Auth readiness. Use when a developer is implementing agent identity via HTTP Message Signatures (Web Bot Auth or Visa Trusted Agent Protocol).", "inputSchema": { "type": "object", "properties": { "signature_input": { "type": "string", "description": "The Signature-Input header value." }, "signature": { "type": "string", "description": "The Signature header value." } } }, "metadata": { "tool_id": "rfc9421-signature-webbotauth", "category": "cat-1", "tags": [ "RFC 9421", "HTTP Message Signatures", "Web Bot Auth", "Ed25519", "Visa Trusted Agent Protocol", "agent identity" ], "url": "https://ainumbers.co/tools/279-rfc9421-signature-webbotauth.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "score_mcp_spec_revision", "description": "Score an MCP server against a target spec revision and advise on stateless-core migration breaking changes.", "inputSchema": { "type": "object", "properties": { "target_revision": { "type": "string", "description": "One of 2025-06-18, 2025-11-25, 2026-07-28-rc" }, "answers": { "type": "object", "description": "Capability answers" } } }, "metadata": { "tool_id": "mcp-spec-revision-compliance-scorer", "category": "cat-1", "tags": [ "MCP", "spec revision", "stateless", "migration", "compliance", "2026-07-28" ], "url": "https://ainumbers.co/tools/280-mcp-spec-revision-compliance-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "lint_acp_checkout", "description": "Validate an ACP checkout-session object and lint a Shared Payment Token for safe scoping (single-use, merchant, amount cap, expiry).", "inputSchema": { "type": "object", "properties": { "checkout_session": { "type": "object", "description": "ACP checkout session JSON" }, "payment_token": { "type": "object", "description": "Shared / delegated payment token descriptor" } } }, "metadata": { "tool_id": "acp-checkout-shared-payment-token-linter", "category": "cat-1", "tags": [ "ACP", "Agentic Commerce Protocol", "Shared Payment Token", "delegated payment", "OpenAI", "Stripe" ], "url": "https://ainumbers.co/tools/281-acp-checkout-shared-payment-token-linter.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "scan_tool_poisoning", "description": "Scan an MCP tool description/manifest for tool-poisoning and prompt-injection smells; returns a risk score and flagged patterns.", "inputSchema": { "type": "object", "properties": { "text": { "type": "string", "description": "The tool description or manifest text to scan" } }, "required": [ "text" ] }, "metadata": { "tool_id": "mcp-tool-poisoning-scanner", "category": "cat-1", "tags": [ "MCP", "tool poisoning", "prompt injection", "OWASP ASI01", "security", "manifest" ], "url": "https://ainumbers.co/tools/282-mcp-tool-poisoning-scanner.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "validate_a2a_agent_card", "description": "Validate an A2A agent-card.json against the v1.0 shape, check signatures, and confirm extension declarations.", "inputSchema": { "type": "object", "properties": { "agent_card": { "type": "object", "description": "The A2A agent-card.json document" } }, "required": [ "agent_card" ] }, "metadata": { "tool_id": "a2a-agent-card-validator", "category": "cat-1", "tags": [ "A2A", "Agent2Agent", "agent card", "signed agent card", "AP2", "capability discovery" ], "url": "https://ainumbers.co/tools/283-a2a-agent-card-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "audit_mcp_transport", "description": "Audit MCP transport security: Origin/Host validation, loopback binding, DNS-rebinding protection, token passthrough.", "inputSchema": { "type": "object", "properties": { "bind_address": { "type": "string" }, "allowed_origins": { "type": "string" }, "answers": { "type": "object" } } }, "metadata": { "tool_id": "mcp-transport-dns-rebinding-auditor", "category": "cat-1", "tags": [ "MCP", "transport", "DNS rebinding", "Origin", "Streamable HTTP", "security" ], "url": "https://ainumbers.co/tools/284-mcp-transport-dns-rebinding-auditor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_google_ap2_mandate", "description": "Build or validate a Google AP2 Checkout/Payment Mandate VDC (Open/Closed). Targets the external AP2 spec, not the AINumbers Policy Mandate.", "inputSchema": { "type": "object", "properties": { "mandate_type": { "type": "string", "description": "checkout | payment" }, "stage": { "type": "string", "description": "open | closed" }, "fields": { "type": "object" } } }, "metadata": { "tool_id": "google-ap2-mandate-builder", "category": "cat-1", "tags": [ "AP2", "Agent Payments Protocol", "Google", "FIDO", "Verifiable Digital Credential", "mandate" ], "url": "https://ainumbers.co/tools/285-google-ap2-mandate-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "inspect_visa_tap_signature", "description": "Inspect a Visa Trusted Agent Protocol HTTP Message Signature and score TAP readiness.", "inputSchema": { "type": "object", "properties": { "signature_input": { "type": "string", "description": "Signature-Input header" }, "signature": { "type": "string", "description": "Signature header" } } }, "metadata": { "tool_id": "visa-trusted-agent-protocol-inspector", "category": "cat-1", "tags": [ "Visa", "Trusted Agent Protocol", "RFC 9421", "Web Bot Auth", "agent recognition", "payments" ], "url": "https://ainumbers.co/tools/286-visa-trusted-agent-protocol-inspector.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_mastercard_agentic_token", "description": "Build or lint a Mastercard Agent Pay Agentic Token scope (agent-ID, merchant scope, consent policy: limit, merchants, expiry, velocity).", "inputSchema": { "type": "object", "properties": { "token_scope": { "type": "object", "description": "Agentic Token scope descriptor" } } }, "metadata": { "tool_id": "mastercard-agentic-token-builder", "category": "cat-1", "tags": [ "Mastercard", "Agent Pay", "Agentic Token", "MDES", "consent policy", "payments" ], "url": "https://ainumbers.co/tools/287-mastercard-agentic-token-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "score_mcp_readiness", "description": "Compute a composite MCP server ship-readiness score across tool definitions, server.json, OAuth, transport, tool poisoning, and spec compliance.", "inputSchema": { "type": "object", "properties": { "answers": { "type": "object" } } }, "metadata": { "tool_id": "mcp-developer-readiness-scorecard", "category": "cat-1", "tags": [ "MCP", "readiness", "scorecard", "compliance", "security", "server" ], "url": "https://ainumbers.co/tools/288-mcp-developer-readiness-scorecard.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "simulate_vop_match_outcome", "description": "Simulates the EPC Verification of Payee outcome for a payee-name / registered-name pair using deterministic normalisation and similarity scoring with tunable thresholds, and scores PSP VoP readiness against the EPC Rulebook and Reg (EU) 2024/886.", "inputSchema": { "type": "object", "properties": { "payee_name": { "type": "string" }, "registered_name": { "type": "string" }, "iban": { "type": "string" }, "entity_type": { "type": "string" }, "match_threshold": { "type": "number" }, "close_threshold": { "type": "number" } }, "required": [ "payee_name", "registered_name" ] }, "metadata": { "tool_id": "verification-of-payee-simulator", "category": "cat-21", "tags": [ "VoP", "verification of payee", "SCT Inst", "instant payments", "IPR", "EPC", "name matching", "close match", "IBAN", "SEPA", "APP fraud" ], "url": "https://ainumbers.co/tools/289-verification-of-payee-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": false } }, { "name": "policy_register", "description": "View and analyse a portfolio of AINumbers Policy Mandate JSON files: register table with expiry dates, coverage matrix, and duplicate detection.", "inputSchema": { "type": "object", "properties": { "mandates": { "type": "array", "description": "Array of Policy Mandate objects" }, "as_of_date": { "type": "string", "description": "ISO date string (YYYY-MM-DD) to compute days-to-expiry against" } }, "required": [ "mandates" ] }, "metadata": { "tool_id": "policy-register", "category": "cat-22", "tags": [ "mandate", "policy", "register", "portfolio", "expiry", "compliance", "ap2", "audit" ], "url": "https://ainumbers.co/tools/290-policy-register.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": false } }, { "name": "mandate_diff", "description": "Produces a schema-aware diff between two AINumbers Policy Mandate JSON objects.", "inputSchema": { "type": "object", "properties": { "mandate_a": { "type": "object", "description": "First (older) mandate" }, "mandate_b": { "type": "object", "description": "Second (newer) mandate" } }, "required": [ "mandate_a", "mandate_b" ] }, "metadata": { "tool_id": "mandate-diff", "category": "cat-22", "tags": [ "mandate", "diff", "compare", "audit", "ap2", "policy", "lifecycle" ], "url": "https://ainumbers.co/tools/291-mandate-diff.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": false } }, { "name": "dora_ict_risk_gap_analyser", "description": "Five-pillar DORA ICT risk maturity assessment. Composite score /100, pillar heatmap, remediation priority table, Policy Mandate JSON and Markdown export. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/300-dora-ict-risk-gap-analyser.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "300-dora-ict-risk-gap-analyser", "category": "dora-operational-resilience", "tags": [], "url": "https://ainumbers.co/tools/300-dora-ict-risk-gap-analyser.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dora_roi_structure_builder", "description": "Build and validate your DORA Register of Information. 24 ESA data quality checks, CIF T1/T2/T3 classification, xBRL-CSV export, Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/301-dora-roi-structure-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "301-dora-roi-structure-builder", "category": "dora-operational-resilience", "tags": [], "url": "https://ainumbers.co/tools/301-dora-roi-structure-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dora_cif_identifier", "description": "Classify ICT functions into DORA CIF tiers T1/T2/T3. RTO assessment for critical functions, TLPT scope flagging, Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/302-dora-cif-identifier.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "302-dora-cif-identifier", "category": "dora-operational-resilience", "tags": [], "url": "https://ainumbers.co/tools/302-dora-cif-identifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dora_incident_classification_engine", "description": "Classify ICT incidents against all 7 RTS 2024/1772 criteria. Live 4h/72h/1-month countdown. ITS 2025/302 Annex I notification draft. Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/303-dora-incident-classification-engine.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "303-dora-incident-classification-engine", "category": "dora-operational-resilience", "tags": [], "url": "https://ainumbers.co/tools/303-dora-incident-classification-engine.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dora_resilience_testing_designer", "description": "Design a 3-tier DORA ICT resilience testing programme \u2014 basic, advanced, and TLPT/TIBER-EU. Entity classification, testing scope, 3-year schedule, and policy mandate export. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/304-dora-resilience-testing-designer.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "304-dora-resilience-testing-designer", "category": "dora-operational-resilience", "tags": [], "url": "https://ainumbers.co/tools/304-dora-resilience-testing-designer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dora_third_party_contract_checker", "description": "Validate ICT service agreements against DORA Art. 30 mandatory requirements. Missing clause list, model clause stubs, Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/305-dora-third-party-contract-checker.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "305-dora-third-party-contract-checker", "category": "dora-operational-resilience", "tags": [], "url": "https://ainumbers.co/tools/305-dora-third-party-contract-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dora_ict_concentration_risk_modeller", "description": "Model ICT concentration risk. HHI index, SPOF flags, 19 CTPP providers, diversification recommendations, Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/306-dora-ict-concentration-risk-modeller.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "306-dora-ict-concentration-risk-modeller", "category": "dora-operational-resilience", "tags": [], "url": "https://ainumbers.co/tools/306-dora-ict-concentration-risk-modeller.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dora_proportionality_assessment", "description": "Classify your entity under DORA Article 3/4 proportionality criteria \u2014 full, simplified, or micro regime. Quantitative thresholds, qualitative factors, and obligation mapping. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/307-dora-proportionality-assessment.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "307-dora-proportionality-assessment", "category": "dora-operational-resilience", "tags": [], "url": "https://ainumbers.co/tools/307-dora-proportionality-assessment.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dora_nca_submission_tracker", "description": "Track all DORA NCA submission deadlines \u2014 incident reports (4h, 72h, 1-month), ICT register, testing schedules, and annual reviews. Auto-calculates dates from reference inputs. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/308-dora-nca-submission-tracker.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "308-dora-nca-submission-tracker", "category": "dora-operational-resilience", "tags": [], "url": "https://ainumbers.co/tools/308-dora-nca-submission-tracker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "nis2_dora_overlap_mapper", "description": "Map compliance overlap between DORA and NIS2. 14-control dual-compliance matrix. AI Act overlap flag. Policy Mandate JSON. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/309-nis2-dora-overlap-mapper.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "309-nis2-dora-overlap-mapper", "category": "dora-operational-resilience", "tags": [], "url": "https://ainumbers.co/tools/309-nis2-dora-overlap-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "ap2_dora_policy_mandate_builder", "description": "Configure and export a validated Policy Mandate JSON DORA policy mandate covering all 5 pillars. ICT risk appetite, incident triggers, TLPT schedule, NCA calendar. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/310-ap2-dora-policy-mandate-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "310-ap2-dora-policy-mandate-builder", "category": "dora-operational-resilience", "tags": [], "url": "https://ainumbers.co/tools/310-ap2-dora-policy-mandate-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "generate_gdpr_dsr_workflow", "description": "Generate a jurisdiction-specific DSR response workflow for GDPR/UK GDPR/CCPA data subject rights requests. Provides step-by-step checklist, compliance deadline clock, identity verification requirements, exemption analysis, response letter templates, and AP2 JSON compliance mandate. Use when a data subject has submitted a rights request and the organisation needs a structured handling workflow.", "inputSchema": { "type": "object", "required": [ "jurisdiction", "request_type", "data_category", "requestor_type", "org_type" ], "properties": { "jurisdiction": { "type": "string", "enum": [ "eu-gdpr", "uk-gdpr", "both", "ccpa" ], "description": "Applicable legal jurisdiction" }, "request_type": { "type": "string", "enum": [ "access", "erasure", "portability", "rectification", "objection", "restriction", "automated" ] }, "data_category": { "type": "string", "enum": [ "payment", "transaction", "biometric", "special", "standard" ] }, "requestor_type": { "type": "string", "enum": [ "consumer", "employee", "representative" ] }, "org_type": { "type": "string", "enum": [ "controller", "processor", "joint" ] }, "request_date": { "type": "string", "format": "date" } } }, "metadata": { "tool_id": "gdpr-dsr-workflow-generator", "category": "cat-2", "tags": [ "GDPR", "UK GDPR", "CCPA", "DSR", "data-subject-rights", "compliance", "zero-PII", "export", "AP2" ], "url": "https://ainumbers.co/tools/311-gdpr-dsr-workflow-generator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "score_bcbs239_model_risk", "description": "Score institutional readiness against BCBS 239 (14 principles) and SR 11-7 (Model Risk Management). Returns RAG scorecard by principle, gap table, and board-ready Risk Committee summary. Use for CROs, model validation teams, and data governance leads at banks and large fintechs.", "inputSchema": { "type": "object", "required": [ "institution_type", "framework", "assessment_mode", "maturity" ], "properties": { "institution_type": { "type": "string", "enum": [ "gsib", "dsib", "bank", "mid-bank", "fintech", "credit-union", "other" ] }, "framework": { "type": "string", "enum": [ "bcbs239-only", "sr117-only", "both" ] }, "assessment_mode": { "type": "string", "enum": [ "quick", "full" ] }, "maturity": { "type": "string", "enum": [ "initial", "developing", "defined", "managed", "optimised" ] } } }, "metadata": { "tool_id": "bcbs239-model-risk-readiness-scorer", "category": "cat-2", "tags": [ "BCBS-239", "SR-11-7", "model-risk", "data-governance", "risk-reporting", "compliance", "zero-PII", "AP2" ], "url": "https://ainumbers.co/tools/312-bcbs239-model-risk-readiness-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "check_mifid2_reporting_readiness", "description": "Assess MiFID II Article 26 / MiFIR transaction reporting programme readiness across 65 mandatory RTS 22 fields. Returns field-category RAG scorecard, ESMA validation rule assessment (12 named rules), ARM connectivity checklist, and LEI population audit. Use for investment firms, credit institutions, and market operators in EU or UK MiFIR scope.", "inputSchema": { "type": "object", "required": [ "jurisdiction", "entity_type", "reporting_channel" ], "properties": { "jurisdiction": { "type": "string", "enum": [ "eu", "uk", "both" ] }, "entity_type": { "type": "string", "enum": [ "investment-firm", "systematic-internaliser", "market-operator", "credit-institution", "non-eu-branch" ] }, "instrument_scope": { "type": "array", "items": { "type": "string" } }, "reporting_channel": { "type": "string", "enum": [ "arm", "direct-nca", "trading-venue", "mixed" ] } } }, "metadata": { "tool_id": "mifid2-transaction-reporting-checker", "category": "cat-2", "tags": [ "MiFID-II", "MiFIR", "RTS-22", "ESMA", "transaction-reporting", "ARM", "LEI", "compliance", "zero-PII" ], "url": "https://ainumbers.co/tools/313-mifid2-transaction-reporting-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_operational_resilience", "description": "Run an operational resilience self-assessment against FCA PS21/3, PRA SS1/21, and FFIEC BCP. Maps Important Business Services with impact tolerances, scores 20 programme maturity dimensions, and generates a scenario testing agenda. Distinct from DORA (EU ICT risk) \u2014 use Tool 100 for DORA assessment.", "inputSchema": { "type": "object", "required": [ "jurisdiction", "org_type", "phase", "ibs_documented" ], "properties": { "jurisdiction": { "type": "string", "enum": [ "fca", "pra", "ffiec", "all" ] }, "org_type": { "type": "string", "enum": [ "bank", "building-society", "payment", "investment", "insurer", "ccp", "other" ] }, "phase": { "type": "string", "enum": [ "identification", "testing", "embedding" ] }, "ibs_documented": { "type": "string", "enum": [ "yes", "partial", "no" ] } } }, "metadata": { "tool_id": "operational-resilience-self-assessment", "category": "cat-2", "tags": [ "FCA-PS21-3", "PRA-SS1-21", "FFIEC-BCP", "operational-resilience", "IBS", "impact-tolerances", "compliance", "zero-PII", "AP2" ], "url": "https://ainumbers.co/tools/314-operational-resilience-self-assessment.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "score_consumer_duty_outcomes", "description": "Score firm outcomes against the FCA Consumer Duty four outcome areas (PS22/9, PRIN 2A.3-A.6). Returns RAG scorecard, MI monitoring framework, evidencing checklist, and board annual assessment template. Mandatory for all ~50,000 FCA-authorised firms \u2014 board sign-off required annually.", "inputSchema": { "type": "object", "required": [ "firm_type", "product_category", "customer_segment", "monitoring_level" ], "properties": { "firm_type": { "type": "string", "enum": [ "manufacturer", "distributor", "both" ] }, "product_category": { "type": "string", "enum": [ "payments", "savings", "lending", "insurance", "investments", "mortgages", "pensions", "other" ] }, "customer_segment": { "type": "string", "enum": [ "mass-market", "vulnerable", "young", "sme", "affluent", "mixed" ] }, "monitoring_level": { "type": "string", "enum": [ "none", "basic", "developing", "established", "advanced" ] } } }, "metadata": { "tool_id": "fca-consumer-duty-outcome-dashboard", "category": "cat-2", "tags": [ "FCA-Consumer-Duty", "PS22/9", "PRIN-2A", "four-outcomes", "compliance", "board-reporting", "zero-PII", "AP2" ], "url": "https://ainumbers.co/tools/315-fca-consumer-duty-outcome-dashboard.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "check_sanctions_programme_health", "description": "Assess institutional sanctions programme governance against OFAC Five Essential Components Framework (2019), OFSI General Guidance (2024), and EU Art. 8 due diligence. Returns programme health score 0-100, gap analysis, VSD readiness checklist, and regime-specific guidance. Distinct from Tool 43 (transaction screening) \u2014 this tool covers programme governance, not individual transaction screening.", "inputSchema": { "type": "object", "required": [ "institution_type", "regime", "programme_maturity", "screening_coverage" ], "properties": { "institution_type": { "type": "string", "enum": [ "bank", "payment", "msb", "fintech", "investment", "insurance", "other" ] }, "regime": { "type": "string", "enum": [ "ofac-only", "ofsi-only", "eu-only", "ofac-ofsi", "ofac-eu", "ofsi-eu", "all" ] }, "programme_maturity": { "type": "string", "enum": [ "initial", "developing", "defined", "managed", "optimised" ] }, "screening_coverage": { "type": "string", "enum": [ "none", "onboard-only", "customers", "customers-tx", "full" ] } } }, "metadata": { "tool_id": "sanctions-programme-health-checker", "category": "cat-2", "tags": [ "OFAC", "OFSI", "EU-sanctions", "sanctions-programme", "compliance", "VSD", "zero-PII", "AP2" ], "url": "https://ainumbers.co/tools/316-sanctions-programme-health-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "validate_lei_lifecycle", "description": "Validate Legal Entity Identifiers using ISO 17442 MOD 97-10 check digit algorithm. Detects ISSUED, LAPSED, RETIRED, FORMAT ERROR status (simulated \u2014 structural validation is accurate). Batch mode supports up to 100 LEIs. Mapper mode generates ISO 20022 CBPR+, MiFID II RTS 22, EMIR, and SFTR field population guidance. Note: ap2_export is false \u2014 use T313 or T318 for compliance mandates.", "inputSchema": { "type": "object", "required": [ "mode" ], "properties": { "mode": { "type": "string", "enum": [ "single", "batch", "mapper" ] }, "lei": { "type": "string", "pattern": "^[A-Z0-9]{20}$" }, "lei_list": { "type": "array", "maxItems": 100, "items": { "type": "string" } }, "use_case": { "type": "string", "enum": [ "cbpr-pacs008", "cbpr-pain001", "cbpr-camt056", "mifid-rts22", "emir-tr", "sftr" ] } } }, "metadata": { "tool_id": "lei-lifecycle-gleif-validator", "category": "cat-2", "tags": [ "LEI", "ISO-17442", "GLEIF", "MOD-97-10", "ISO-20022", "CBPR+", "MiFID-II", "EMIR", "zero-PII" ], "url": "https://ainumbers.co/tools/317-lei-lifecycle-gleif-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_regulatory_change_impact", "description": "Generate a prioritised regulatory change calendar for the 2025-2027 horizon customised by institution type and jurisdiction. Embedded static database of 22 regulatory changes scored by effort, risk, and applicability. Returns change register, effort/impact matrix, 12-month roadmap, and cross-reference map to specific AINumbers.co tools. SEO anchor for regulatory compliance search traffic. Database last reviewed 2025-05-01 \u2014 update quarterly.", "inputSchema": { "type": "object", "required": [ "institution_type", "jurisdiction", "maturity" ], "properties": { "institution_type": { "type": "string", "enum": [ "bank", "payment", "msb", "fintech", "investment", "insurance", "crypto", "other" ] }, "jurisdiction": { "type": "string", "enum": [ "uk", "eu", "us", "uk-eu", "uk-us", "eu-us", "all" ] }, "maturity": { "type": "string", "enum": [ "initial", "developing", "defined", "managed", "optimised" ] }, "products": { "type": "array", "items": { "type": "string" } } } }, "metadata": { "tool_id": "regulatory-change-impact-assessor", "category": "cat-2", "tags": [ "regulatory-change", "horizon-scanning", "compliance-calendar", "2025-2027", "impact-assessment", "zero-PII", "AP2" ], "url": "https://ainumbers.co/tools/318-regulatory-change-impact-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "decode_iso20022_rejection_codes", "description": "Decode ISO 20022 pacs.002/008/009 transaction status and rejection codes to plain English. Returns severity classification, remediation guidance, and CBPR+ Nov 2026 structured address risk flags. Supports batch mode up to 20 messages. Use when diagnosing failed ISO 20022 payments.", "inputSchema": { "type": "object", "required": [ "rejection_codes" ], "properties": { "rejection_codes": { "type": "array", "maxItems": 20, "items": { "type": "object" } }, "message_type": { "type": "string", "enum": [ "pacs.002", "pacs.008", "pacs.009" ] } } }, "metadata": { "tool_id": "iso20022-status-rejection-decoder", "category": "realtime-payments", "tags": [ "ISO20022", "pacs002", "rejection", "decoder", "CBPR+", "status", "remediation", "export" ], "url": "https://ainumbers.co/tools/319-iso20022-status-rejection-decoder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "validate_ap2_mcp_policy", "description": "Validate AP2 Policy Mandate JSON payloads against the Unified Build Contract v1.0 schema. Auto-generates MCP tool definitions from the mandate and simulates agent ingestion of agent_instructions. Use when authoring or testing AP2 agentic payment policies.", "inputSchema": { "type": "object", "required": [ "policy_mandate_json" ], "properties": { "policy_mandate_json": { "type": "string" }, "validate_against": { "type": "string" }, "generate_mcp_definition": { "type": "boolean" }, "simulate_agent_ingestion": { "type": "boolean" } } }, "metadata": { "tool_id": "ap2-mcp-policy-validator", "category": "dora-operational-resilience", "tags": [ "AP2", "MCP", "policy", "validator", "JSON", "schema", "agentic", "export" ], "url": "https://ainumbers.co/tools/320-ap2-mcp-policy-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "score_synthetic_identity_fraud_risk", "description": "Scores synthetic identity fraud risk across 7 structural identity attributes before a credit or account decision. Returns composite score (0-100), risk tier (Low/Moderate/High/Reject), per-signal breakdown with contribution bars, and CIP enhancement steps calibrated to FRB SR 2022 guidance.", "inputSchema": { "type": "object", "properties": { "ssn_issue_year": { "type": "integer" }, "applicant_age": { "type": "integer" }, "credit_file_age_months": { "type": "integer" }, "address_tenure_months": { "type": "integer" }, "new_account_velocity_90d": { "type": "integer" }, "phone_age_months": { "type": "integer" }, "device_anomaly_flag": { "type": "boolean" } }, "required": [ "ssn_issue_year", "applicant_age", "credit_file_age_months", "address_tenure_months", "new_account_velocity_90d", "phone_age_months", "device_anomaly_flag" ] }, "metadata": { "tool_id": "synthetic-identity-fraud-scorer", "category": "cat-3", "tags": [ "synthetic-identity", "fraud", "risk-scoring", "CIP", "KYC", "FRB-SR-2022", "FinCEN", "zero-pii" ], "url": "https://ainumbers.co/tools/321-synthetic-identity-fraud-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_app_scam_pre_payment_risk", "description": "Scores APP scam risk and classifies typology at payment initiation. Returns risk score (0-100), tier (Low/Moderate/High/Block), most probable scam typology from 5 types (Invoice Redirection, Romance, Investment, Impersonation, CEO Fraud), and CoP/delay/warning friction interventions per PSR PS23/3. Pre-payment detection only \u2014 no PSR liability split.", "inputSchema": { "type": "object", "properties": { "beneficiary_account_age_days": { "type": "integer" }, "first_time_payee": { "type": "boolean" }, "payment_purpose_category": { "type": "string" }, "instruction_channel": { "type": "string" }, "time_pressure_flag": { "type": "boolean" }, "amount_vs_sender_median_pct": { "type": "integer" }, "beneficiary_account_pattern": { "type": "string" } }, "required": [ "beneficiary_account_age_days", "first_time_payee", "payment_purpose_category", "instruction_channel", "time_pressure_flag", "amount_vs_sender_median_pct", "beneficiary_account_pattern" ] }, "metadata": { "tool_id": "app-scam-risk-assessor", "category": "cat-3", "tags": [ "APP", "scam", "push-payment", "PSR", "CoP", "pre-payment", "typology", "zero-pii" ], "url": "https://ainumbers.co/tools/322-app-scam-risk-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_fraud_risk_ap2_mandate", "description": "Builds a validated AP2 agent_guardrail_mandate for fraud decisioning agents. Configures 4 dimensions: detection thresholds, APP scam controls, loss tolerance, and SAR reporting triggers. Returns an ordered agent_instructions array deployable via the AINumbers.co MCP server. Validates for policy contradictions before export.", "inputSchema": { "type": "object", "properties": { "synth_cutoff": { "type": "integer" }, "ato_cutoff": { "type": "integer" }, "cop_enforcement": { "type": "string" }, "delay_policy": { "type": "string" }, "psr_ack": { "type": "boolean" }, "loss_budget_bps": { "type": "integer" }, "cnp_rate_bps": { "type": "integer" }, "ato_rate_bps": { "type": "integer" }, "app_rate_bps": { "type": "integer" }, "sar_threshold": { "type": "integer" }, "board_freq": { "type": "string" } }, "required": [ "synth_cutoff", "ato_cutoff", "cop_enforcement", "delay_policy", "psr_ack", "loss_budget_bps", "cnp_rate_bps", "ato_rate_bps", "app_rate_bps", "sar_threshold", "board_freq" ] }, "metadata": { "tool_id": "ap2-fraud-risk-policy-mandate-builder", "category": "cat-3", "tags": [ "AP2", "agentic", "fraud-policy", "risk-appetite", "mandate", "MCP", "agent_guardrail", "zero-pii" ], "url": "https://ainumbers.co/tools/323-ap2-fraud-risk-policy-mandate-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "schedule_realtime_rail_prefunding", "description": "Builds a daily prefunding schedule for FedNow, RTP, or SEPA Instant. Returns a 24-row hourly net position table, minimum opening balance recommendation, predicted top-up windows with timestamps and amounts, idle capital cost (daily and annualised), and a three-rail comparison panel for the same inputs. BCBS 248 credit facility sizing is out of scope.", "inputSchema": { "type": "object", "properties": { "rail": { "type": "string", "enum": [ "FedNow", "RTP", "SEPA-Instant" ] }, "daily_volume_value_m": { "type": "number" }, "outgoing_timing_profile": { "type": "string" }, "incoming_timing_profile": { "type": "string" }, "opening_balance_m": { "type": "number" }, "opportunity_cost_rate_pct": { "type": "number" }, "intraday_topup_threshold_pct": { "type": "number" } }, "required": [ "rail", "daily_volume_value_m", "outgoing_timing_profile", "incoming_timing_profile", "opening_balance_m", "opportunity_cost_rate_pct", "intraday_topup_threshold_pct" ] }, "metadata": { "tool_id": "realtime-rail-prefunding-scheduler", "category": "cat-4", "tags": [ "prefunding", "liquidity", "intraday", "FedNow", "RTP", "SEPA-Instant", "schedule", "idle-capital", "zero-pii" ], "url": "https://ainumbers.co/tools/324-realtime-rail-prefunding-scheduler.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "lookup_payment_cutoff_windows", "description": "Returns operator-level cutoff times for all payment rails relevant to a specific date and corridor. Applies DST adjustment, bank holiday flags for US/UK/EU/AU markets, and returns the next available window when a cutoff has already passed. Covers 16 rails including Fedwire, FedNow, ACH, RTP, CHAPS, FPS, SEPA, T2, PIX, UPI, NPP, BACS, CIPS, SWIFT gpi.", "inputSchema": { "type": "object", "properties": { "dateStr": { "type": "string", "description": "YYYY-MM-DD" }, "corridor": { "type": "string", "description": "US-DOM | UK-DOM | EU-DOM | US-UK | US-EU | UK-EU | GLOBAL | BR-DOM | IN-DOM | AU-DOM | CN-DOM" } }, "required": [ "dateStr", "corridor" ] }, "metadata": { "tool_id": "payment-cutoff-settlement-atlas", "category": "cat-4", "tags": [ "cutoff", "settlement", "CHAPS", "Fedwire", "SEPA", "FedNow", "TARGET2", "PIX", "UPI", "NPP", "CIPS", "calendar", "DST", "holidays", "zero-pii" ], "url": "https://ainumbers.co/tools/325-payment-cutoff-settlement-atlas.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_payment_ops_ap2_mandate", "description": "Builds a validated AP2 agent_guardrail_mandate for payment operations monitoring agents. Accepts optional T324 AP2 JSON import to pre-populate liquidity policy from payload.prefunding_schedule. Configures 4 dimensions: liquidity (prefunding target, top-up threshold, primary rail), routing (primary/fallback rails per corridor, cost ceiling), SLA monitoring (RT/batch targets, breach escalation, KPI cadence), and incident policy (P1-P4 threshold, runbook URL, escalation role). Returns ordered agent_instructions deployable via AINumbers.co MCP server.", "inputSchema": { "type": "object", "properties": { "prefund_target_m": { "type": "number" }, "topup_threshold_pct": { "type": "integer" }, "primary_rail_liq": { "type": "string" }, "rail_us": { "type": "string" }, "rail_eu": { "type": "string" }, "rail_uk": { "type": "string" }, "rail_xb": { "type": "string" }, "fallback_rail": { "type": "string" }, "cost_ceiling_bps": { "type": "integer" }, "rt_sla_ms": { "type": "integer" }, "batch_sla_hrs": { "type": "integer" }, "sla_breach_pct": { "type": "integer" }, "alert_freq": { "type": "string" }, "p_level": { "type": "string" }, "runbook_url": { "type": "string" }, "escalation_role": { "type": "string" } }, "required": [ "prefund_target_m", "topup_threshold_pct", "primary_rail_liq", "rail_us", "rail_eu", "rail_uk", "rail_xb", "fallback_rail", "cost_ceiling_bps", "rt_sla_ms", "batch_sla_hrs", "sla_breach_pct", "alert_freq", "p_level" ] }, "metadata": { "tool_id": "ap2-payment-ops-policy-mandate-builder", "category": "cat-4", "tags": [ "AP2", "agentic", "ops-policy", "mandate", "MCP", "infrastructure", "liquidity", "routing", "SLA", "incident", "zero-pii" ], "url": "https://ainumbers.co/tools/326-ap2-payment-ops-policy-mandate-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "classify_eu_ai_act_risk", "description": "Classify a financial-services AI system under EU AI Act Annex III. Returns risk tier (Unacceptable/High-Risk/Limited/Minimal), Article 6 legal basis, Annex III category, compliance obligations, and enforcement deadlines. Use when assessing EU AI Act obligations for an AI system deployed in financial services.", "inputSchema": { "type": "object", "required": [ "ai_system_purpose", "deployment_context" ], "properties": { "ai_system_purpose": { "type": "string" }, "deployment_context": { "type": "string" }, "makes_autonomous_decisions": { "type": "boolean" }, "affects_consumer_rights": { "type": "boolean" }, "uses_biometric_data": { "type": "boolean" } } }, "metadata": { "tool_id": "eu-ai-act-risk-class-mapper", "category": "compliance-consent", "tags": [ "EU-AI-Act", "AI", "risk-classification", "Annex-III", "compliance", "regtech", "export" ], "url": "https://ainumbers.co/tools/327-eu-ai-act-risk-class-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "genius_act_reserve_optimizer", "description": "Validates payment stablecoin reserve composition against GENIUS Act requirements. Returns compliance score, gap analysis, and AP2 mandate.", "inputSchema": { "type": "object", "properties": { "issuer_type": { "type": "string" }, "outstanding_usd": { "type": "number" }, "reserves": { "type": "object" } }, "required": [ "issuer_type", "outstanding_usd", "reserves" ] }, "metadata": { "tool_id": "genius-act-reserve-optimizer", "category": "cat-2", "tags": [ "GENIUS Act", "stablecoin", "reserve composition", "PPSI", "payment stablecoin", "Fed deposit", "T-bill", "UST", "OCC", "FDIC", "compliance", "regulatory", "AP2 export" ], "url": "https://ainumbers.co/tools/328-genius-act-reserve-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fca_dpc_scope_classifier", "description": "Classifies BNPL/DPC products under FCA PS26/1 regulatory perimeter. Returns in-scope determination, TPR eligibility, and authorisation pathway.", "inputSchema": { "type": "object", "properties": { "lender_type": { "type": "string", "description": "Type of lender entity" }, "repayment_instalments": { "type": "string", "description": "Number of instalments" }, "repayment_months": { "type": "string", "description": "Repayment term in months" }, "interest_charged": { "type": "string", "description": "Whether interest or charges apply" }, "current_auth": { "type": "string", "description": "Current FCA authorisation status" } }, "required": [ "lender_type", "repayment_instalments", "repayment_months", "interest_charged" ] }, "metadata": { "tool_id": "fca-dpc-scope-classifier", "category": "cat-2", "tags": [ "FCA", "BNPL", "DPC", "PS26/1", "TPR", "authorisation", "CCA", "July 2026", "UK" ], "url": "https://ainumbers.co/tools/329-fca-dpc-scope-classifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_fca_dpc_creditworthiness", "description": "Builds a proportionate creditworthiness and affordability assessment protocol for DPC lenders per FCA PS26/1 and CONC 5A. Generates a documented framework with data field requirements, soft/hard check thresholds, escalation protocol, and Consumer Duty mapping.", "inputSchema": { "type": "object" }, "metadata": { "tool_id": "fca-dpc-creditworthiness-builder", "category": "cat-2", "tags": [ "FCA", "BNPL", "DPC", "CONC 5A", "creditworthiness", "affordability", "PS26/1", "Consumer Duty", "UK", "July 2026" ], "url": "https://ainumbers.co/tools/330-fca-dpc-creditworthiness-assessment-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "map_fca_consumer_duty_dpc", "description": "Maps a DPC product against the four FCA Consumer Duty outcomes (PS22/9) as required under PS26/1. Produces RAG status dashboard, identified gaps, remediation actions, and cross-cutting rules compliance check.", "inputSchema": { "type": "object" }, "metadata": { "tool_id": "fca-consumer-duty-dpc-mapper", "category": "cat-2", "tags": [ "FCA", "Consumer Duty", "DPC", "BNPL", "PS22/9", "four outcomes", "PRIN 12", "July 2026" ], "url": "https://ainumbers.co/tools/331-fca-consumer-duty-dpc-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "check_mica_casp_authorization", "description": "Assesses whether a Crypto-Asset Service Provider meets MiCA Title V authorisation requirements. Covers capital floors (\u20ac50k/\u20ac125k/\u20ac150k), asset segregation, AML/Travel Rule, whitepaper obligations, and EBA Feb 2026 PSD2 dual-authorisation opinion for EMT handlers.", "inputSchema": { "type": "object" }, "metadata": { "tool_id": "mica-casp-authorization-checker", "category": "cat-11", "tags": [ "MiCA", "CASP", "crypto", "authorisation", "capital", "EMT", "Travel Rule", "July 2026", "ESMA", "EBA" ], "url": "https://ainumbers.co/tools/332-mica-casp-authorization-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_eu_ai_act_article9_risk_mgmt", "description": "Generates a compliant Art. 9 RMS documentation framework for high-risk AI systems in financial services. Covers iterative risk processes, residual risk assessment, testing, human oversight, and post-market monitoring.", "inputSchema": { "type": "object" }, "metadata": { "tool_id": "eu-ai-act-article9-risk-mgmt-builder", "category": "cat-2", "tags": [ "EU AI Act", "Article 9", "risk management", "high-risk AI", "credit scoring", "fraud detection", "AML", "August 2026" ], "url": "https://ainumbers.co/tools/333-eu-ai-act-article9-risk-mgmt-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "map_eu_ai_act_article10_data_governance", "description": "Maps training and testing data governance obligations for high-risk AI systems under EU AI Act Art. 10. Covers bias examination, provenance, representativeness, Art. 10(5) special-category processing, and GDPR Art. 22 interaction.", "inputSchema": { "type": "object" }, "metadata": { "tool_id": "eu-ai-act-article10-data-governance-mapper", "category": "cat-2", "tags": [ "EU AI Act", "Article 10", "data governance", "bias", "training data", "GDPR", "August 2026" ], "url": "https://ainumbers.co/tools/334-eu-ai-act-article10-data-governance-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "split_eu_ai_act_provider_deployer_obligations", "description": "Resolves the Art. 25 provider/deployer obligations split for financial institutions. Determines which Art.9-14 obligations sit with provider vs deployer and generates required contract clauses and vendor due diligence checklist.", "inputSchema": { "type": "object" }, "metadata": { "tool_id": "eu-ai-act-provider-deployer-obligations-splitter", "category": "cat-2", "tags": [ "EU AI Act", "Art. 25", "provider", "deployer", "obligations", "financial services", "vendor contract", "August 2026" ], "url": "https://ainumbers.co/tools/335-eu-ai-act-provider-deployer-obligations-splitter.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "classify_genius_act_issuer", "description": "Classify a payment stablecoin issuer under GENIUS Act and map federal or state PPSI licensing pathway including $10B threshold determination and qualification requirements", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string", "description": "Charter type: national_bank | state_bank_fed | state_bank_fdic | federal_credit_union | state_credit_union | money_transmitter | new_entrant | fbo | foreign_nonbank" }, "outstanding_usd": { "type": "number", "description": "Outstanding payment stablecoins in USD" }, "total_assets_usd": { "type": "number", "description": "Total consolidated assets in USD" }, "already_regulated": { "type": "string", "description": "Already supervised by federal banking regulator: yes | no" } }, "required": [ "entity_type", "outstanding_usd" ] }, "metadata": { "tool_id": "genius-act-issuer-classification-mapper", "category": "cat-11", "tags": [ "GENIUS Act", "stablecoin", "PPSI", "OCC", "FDIC", "Federal Reserve", "state charter", "foreign issuer", "licensing", "payment stablecoin", "2027" ], "url": "https://ainumbers.co/tools/336-genius-act-issuer-classification-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "generate_reserve_attestation_checklist", "description": "Generate a GENIUS Act \u00a76 monthly reserve attestation and disclosure compliance checklist for a PPSI, including 1:1 coverage verification, 14-item disclosure checklist, PCAOB examination requirements, and cure window countdown", "inputSchema": { "type": "object", "properties": { "outstanding_usd": { "type": "number", "description": "Total outstanding stablecoins in USD" }, "reserves_total_usd": { "type": "number", "description": "Total reserve assets held in USD" }, "non_qualifying_pct": { "type": "number", "description": "Percentage of reserves in non-qualifying assets (target: 0)" }, "pcaob_engaged": { "type": "string", "enum": [ "yes", "pending", "no" ], "description": "PCAOB firm engagement status" }, "cure_window_active": { "type": "string", "enum": [ "yes", "no" ], "description": "Whether a shortfall cure window is active" }, "cure_days_elapsed": { "type": "integer", "description": "Business days elapsed in cure window (max 15)" } }, "required": [ "outstanding_usd", "reserves_total_usd" ] }, "metadata": { "tool_id": "genius-act-reserve-attestation-checklist", "category": "cat-11", "tags": [ "GENIUS Act", "stablecoin", "reserve attestation", "monthly disclosure", "redemption policy", "1:1 backing", "OCC", "PPSI", "transparency", "2027" ], "url": "https://ainumbers.co/tools/337-genius-act-reserve-attestation-checklist.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_genius_act_aml_scope", "description": "Build AML/BSA program scope for a GENIUS Act PPSI including BSA registration category, CIP/CDD components, transaction monitoring rules, OFAC screening requirements, Travel Rule applicability, and SAR filing triggers", "inputSchema": { "type": "object", "properties": { "monthly_volume_usd": { "type": "number", "description": "Monthly transaction volume in USD" }, "avg_transaction_usd": { "type": "number", "description": "Average transaction size in USD" }, "blockchain_type": { "type": "string", "enum": [ "public", "permissioned", "private", "multi" ] }, "existing_aml_program": { "type": "string", "enum": [ "yes", "partial", "no" ] }, "pct_cross_border": { "type": "number", "description": "Cross-border transaction percentage" } }, "required": [ "monthly_volume_usd", "blockchain_type", "existing_aml_program" ] }, "metadata": { "tool_id": "genius-act-aml-sanctions-scope-builder", "category": "cat-12", "tags": [ "GENIUS Act", "AML", "sanctions", "BSA", "FinCEN", "OFAC", "stablecoin", "PPSI", "CIP", "transaction monitoring", "Travel Rule", "2027" ], "url": "https://ainumbers.co/tools/338-genius-act-aml-sanctions-scope-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "sr2602_mrm_gap_analyzer", "description": "Assess an organization's model risk management program against SR 26-02 (April 2026). Returns five-domain gap scores, proportionality tier, key gaps, and remediation priority matrix.", "inputSchema": { "type": "object", "properties": { "total_assets_bn": { "type": "number", "description": "Total assets in USD billions" }, "model_count": { "type": "number", "description": "Number of models in scope" }, "validation_independence": { "type": "string", "description": "full | partial | none" }, "doc_completeness_pct": { "type": "number" }, "outcome_analysis": { "type": "string", "description": "continuous | quarterly | annual | adhoc | none" } }, "required": [ "total_assets_bn", "model_count" ] }, "metadata": { "tool_id": "sr2602-model-risk-mgmt-gap-analyzer", "category": "cat-2", "tags": [ "SR 26-02", "model risk management", "MRM", "OCC", "Federal Reserve", "FDIC", "SR 11-7", "model inventory", "validation", "governance", "2026", "US banks" ], "url": "https://ainumbers.co/tools/339-sr2602-model-risk-mgmt-gap-analyzer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "frtb_ima_eligibility_checker", "description": "Check FRTB IMA eligibility for a trading desk per CRR III (EU, Jan 2027). Returns PLAT zone, backtesting traffic light, NMRF flag, and IMA vs SA capital comparison.", "inputSchema": { "type": "object", "properties": { "desk_type": { "type": "string", "description": "Trading desk type: equity | fx | rates | credit | commodity | securitisation" }, "backtesting_exceptions": { "type": "number", "description": "Number of 1-day 99% VaR exceptions in last 250 trading days" }, "spearman_correlation": { "type": "number" }, "modellable_ratio_pct": { "type": "number" } }, "required": [ "desk_type", "backtesting_exceptions" ] }, "metadata": { "tool_id": "frtb-ima-eligibility-checker", "category": "cat-2", "tags": [ "FRTB", "Basel IV", "CRR III", "IMA", "SA", "market risk", "trading desk", "P&L attribution", "NMRF", "EU 2027", "capital requirements", "risk factors" ], "url": "https://ainumbers.co/tools/340-frtb-internal-model-eligibility-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "basel_iii_endgame_capital_estimator", "description": "Estimate US Basel III Endgame capital impact under the March 2026 NPR. Returns ERA RWA delta, CET1 ratio impact, operational risk BIC charge, and buffer distance.", "inputSchema": { "type": "object", "properties": { "total_assets_bn": { "type": "number", "description": "Total assets in USD billions" }, "cet1_ratio_pct": { "type": "number", "description": "Current CET1 ratio (%)" }, "gross_income_m": { "type": "number", "description": "3yr average gross income in USD millions" }, "airb_usage": { "type": "string", "description": "yes | no" } }, "required": [ "total_assets_bn", "cet1_ratio_pct" ] }, "metadata": { "tool_id": "basel-iii-endgame-capital-impact-estimator", "category": "cat-2", "tags": [ "Basel III Endgame", "US capital rules", "expanded risk-based approach", "ERA", "standardised approach", "operational risk", "credit risk", "RWA", "Fed", "OCC", "FDIC", "March 2026 proposal" ], "url": "https://ainumbers.co/tools/341-basel-iii-endgame-capital-impact-estimator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "eu_ipr_iso20022_address_validator", "description": "Validates EU payment message ISO 20022 structured address compliance for November 2026 deadline.", "inputSchema": { "type": "object", "properties": { "addr_format": { "type": "string" }, "unstr_pct": { "type": "number" } }, "required": [ "addr_format", "unstr_pct" ] }, "metadata": { "tool_id": "eu-ipr-iso20022-address-validator", "category": "cat-1", "tags": [ "EU IPR", "ISO 20022", "structured address", "November 2026", "SEPA", "SCT Inst", "pacs.008", "TownName", "PostCode", "StreetName", "AP2 export" ], "url": "https://ainumbers.co/tools/342-eu-ipr-iso20022-address-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "psd3_psr2_transition_assessor", "description": "Assesses PSD2\u2192PSD3/PSR transition impact for payment institutions and EMIs.", "inputSchema": { "type": "object", "properties": { "inst_type": { "type": "string" }, "api_level": { "type": "string" } }, "required": [ "inst_type" ] }, "metadata": { "tool_id": "psd3-psr2-transition-impact-assessor", "category": "cat-5", "tags": [ "PSD3", "PSR", "PSD2", "EMI", "VoP", "open banking", "API", "SCA", "2027", "AP2 export" ], "url": "https://ainumbers.co/tools/343-psd3-psr2-transition-impact-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "rwa_jurisdiction_mapper", "description": "Maps tokenized real-world asset to regulatory classifications across EU, US, UK, UAE, Singapore.", "inputSchema": { "type": "object", "properties": { "asset_class": { "type": "string" }, "holder_rights": { "type": "string" }, "primary_jurisdiction": { "type": "string" } }, "required": [ "asset_class", "holder_rights" ] }, "metadata": { "tool_id": "rwa-tokenized-asset-jurisdiction-mapper", "category": "cat-11", "tags": [ "RWA", "tokenization", "MiCA", "SEC", "CFTC", "GENIUS Act", "jurisdiction", "classification", "blockchain", "AP2 export" ], "url": "https://ainumbers.co/tools/344-rwa-tokenized-asset-jurisdiction-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "classify_vida_deemed_supplier_scope", "description": "Classify whether a digital platform falls within EU ViDA deemed supplier provisions and estimate VAT liability", "inputSchema": { "type": "object", "properties": { "platform_type": { "type": "string" }, "eu_countries": { "type": "integer" }, "annual_gmv_eur": { "type": "number" }, "supplier_type": { "type": "string" } }, "required": [ "platform_type", "eu_countries", "annual_gmv_eur", "supplier_type" ] }, "metadata": { "tool_id": "vida-deemed-supplier-classifier", "category": "cat-15", "tags": [ "ViDA", "deemed supplier", "VAT", "platform economy", "short-term accommodation", "passenger transport", "OSS", "IOSS", "July 2028", "EU", "digital platforms" ], "url": "https://ainumbers.co/tools/345-vida-deemed-supplier-classifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "calculate_mica_emt_reserve_compliance", "description": "Calculate MiCA Article 36 reserve composition compliance for EMT and ART issuers, including deposit floor checks and reallocation requirements", "inputSchema": { "type": "object", "properties": { "token_type": { "type": "string" }, "reserve_total_eur_m": { "type": "number" }, "eba_significant": { "type": "boolean" }, "deposit_pct": { "type": "number" }, "sovereign_pct": { "type": "number" }, "other_pct": { "type": "number" } }, "required": [ "token_type", "reserve_total_eur_m", "eba_significant", "deposit_pct", "sovereign_pct", "other_pct" ] }, "metadata": { "tool_id": "mica-emt-reserve-compliance-calculator", "category": "cat-10", "tags": [ "MiCA", "EMT", "ART", "reserve", "crypto", "DLT", "EBA", "Art.36", "tokenization", "stablecoin", "EU" ], "url": "https://ainumbers.co/tools/346-mica-emt-reserve-compliance-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_fca_consumer_duty_board_report", "description": "Build a structured FCA Consumer Duty annual board report and score overall duty compliance", "inputSchema": { "type": "object", "properties": { "firm_type": { "type": "string" }, "retail_customer_count": { "type": "integer" }, "outcomes": { "type": "array" } }, "required": [ "firm_type", "outcomes" ] }, "metadata": { "tool_id": "fca-consumer-duty-board-report-builder", "category": "cat-2", "tags": [ "FCA", "Consumer Duty", "PS22/9", "board report", "four outcomes", "regulatory compliance", "UK", "2026" ], "url": "https://ainumbers.co/tools/347-fca-consumer-duty-board-report-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "score_eidas2_eudi_relying_party_readiness", "description": "Score financial institution readiness to accept EUDI Wallet credentials under eIDAS 2.0 and identify technical/operational gaps.", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string" }, "fapi_implemented": { "type": "string" }, "oid4vc_status": { "type": "string" } }, "required": [ "entity_type" ] }, "metadata": { "tool_id": "eidas2-eudi-wallet-relying-party-readiness-scorer", "category": "cat-5", "tags": [ "eIDAS 2.0", "EUDI Wallet", "digital identity", "SCA", "KYC", "PSD3", "open banking", "December 2026", "relying party" ], "url": "https://ainumbers.co/tools/348-eidas2-eudi-wallet-relying-party-readiness-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_sepa_ipr_annual_report", "description": "Build NCA annual report for EU Instant Payments Regulation compliance with uptake metrics and fee parity assessment.", "inputSchema": { "type": "object", "properties": { "psp_type": { "type": "string" }, "sct_sent": { "type": "number" }, "sct_inst_sent": { "type": "number" }, "sct_fee": { "type": "number" }, "sct_inst_fee": { "type": "number" } }, "required": [ "psp_type", "sct_sent", "sct_inst_sent" ] }, "metadata": { "tool_id": "sepa-ipr-annual-report-builder", "category": "cat-1", "tags": [ "SEPA", "instant payments", "IPR", "NCA", "annual report", "VOP", "fee parity", "2024/886", "April 2026" ], "url": "https://ainumbers.co/tools/349-sepa-ipr-annual-report-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "analyze_amla_2027_readiness_gaps", "description": "Assess readiness gaps against EU AMLR and AMLA Single Rulebook requirements effective July 2027.", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string" }, "ubo_threshold": { "type": "number" } }, "required": [ "entity_type" ] }, "metadata": { "tool_id": "amla-2027-readiness-gap-analyzer", "category": "cat-12", "tags": [ "AMLA", "AMLR", "AML", "EU", "July 2027", "Single Rulebook", "CDD", "UBO", "beneficial ownership", "obliged entity" ], "url": "https://ainumbers.co/tools/350-amla-2027-readiness-gap-analyzer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_t1_settlement_operational_readiness", "description": "Score firm readiness for T+1 settlement cycle across 5 operational domains and identify critical gaps.", "inputSchema": { "type": "object", "properties": { "firm_type": { "type": "string" }, "affirmation_model": { "type": "string" }, "stp_rate": { "type": "string" } }, "required": [ "firm_type" ] }, "metadata": { "tool_id": "t1-settlement-operational-readiness-assessor", "category": "cat-23", "tags": [ "T+1", "settlement", "UK", "FCA", "capital markets", "securities", "affirmation", "CSD", "CREST", "October 2027" ], "url": "https://ainumbers.co/tools/351-t1-settlement-operational-readiness-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_crd6_prudential_transition_plan", "description": "Build and assess a CRD6 Art.76a prudential transition plan with governance scoring and EBA compliance flags.", "inputSchema": { "type": "object", "properties": { "institution_type": { "type": "string" }, "total_assets": { "type": "string" }, "physical_risk": { "type": "string" } }, "required": [ "institution_type" ] }, "metadata": { "tool_id": "crd6-prudential-transition-plan-builder", "category": "cat-17", "tags": [ "CRD6", "prudential", "transition plan", "ESG", "climate risk", "EBA", "Art.76a", "Jan 2026" ], "url": "https://ainumbers.co/tools/352-crd6-prudential-transition-plan-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "check_sfdr_fund_classification", "description": "Assess SFDR fund classification eligibility (Art.8/Art.9) and greenwashing risk.", "inputSchema": { "type": "object", "properties": { "fund_type": { "type": "string" }, "current_claim": { "type": "string" }, "promotes_es": { "type": "string" } }, "required": [ "fund_type" ] }, "metadata": { "tool_id": "sfdr-article89-fund-classification-checker", "category": "cat-24", "tags": [ "SFDR", "Art.8", "Art.9", "taxonomy", "PAI", "greenwashing", "ESG", "EU 2019/2088" ], "url": "https://ainumbers.co/tools/353-sfdr-article89-fund-classification-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "score_eu_taxonomy_alignment", "description": "Score EU Taxonomy alignment across 6 objectives and calculate Green Asset Ratio proxy with DNSH/MSS status.", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string" }, "total_assets_bn": { "type": "number" } }, "required": [ "entity_type" ] }, "metadata": { "tool_id": "eu-taxonomy-capex-revenue-alignment-scorer", "category": "cat-24", "tags": [ "EU taxonomy", "CapEx", "GAR", "DNSH", "MSS", "green asset ratio", "Art.8", "six objectives" ], "url": "https://ainumbers.co/tools/354-eu-taxonomy-capex-revenue-alignment-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_csrd_double_materiality_assessment", "description": "Score 10 ESRS topics for impact and financial materiality and generate CSRD reporting scope.", "inputSchema": { "type": "object", "properties": { "company_type": { "type": "string" }, "sector": { "type": "string" } }, "required": [ "company_type" ] }, "metadata": { "tool_id": "csrd-double-materiality-assessment-builder", "category": "cat-24", "tags": [ "CSRD", "ESRS", "double materiality", "EFRAG", "sustainability", "reporting", "Wave 1" ], "url": "https://ainumbers.co/tools/355-csrd-double-materiality-assessment-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "check_uk_sdr_fund_labelling_readiness", "description": "Assess FCA SDR label readiness and anti-greenwashing risk for UK investment funds.", "inputSchema": { "type": "object", "properties": { "fund_type": { "type": "string" }, "label_sought": { "type": "string" } }, "required": [ "fund_type", "label_sought" ] }, "metadata": { "tool_id": "uk-sdr-fund-labelling-readiness-checker", "category": "cat-24", "tags": [ "FCA", "SDR", "sustainability label", "PS23/16", "anti-greenwashing", "UK", "fund" ], "url": "https://ainumbers.co/tools/356-uk-sdr-fund-labelling-readiness-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "calculate_crr3_output_floor_phase_in", "description": "Model CRR3 output floor phase-in impact on bank capital (2025-2030) with pro-forma CET1 and cost drag.", "inputSchema": { "type": "object", "properties": { "internal_trea_bn": { "type": "number" }, "sa_trea_bn": { "type": "number" }, "cet1_capital_bn": { "type": "number" } }, "required": [ "internal_trea_bn", "sa_trea_bn" ] }, "metadata": { "tool_id": "crr3-output-floor-phase-in-calculator", "category": "cat-17", "tags": [ "CRR3", "output floor", "Basel III", "phase-in", "CET1", "capital", "EU 2024/1623" ], "url": "https://ainumbers.co/tools/357-crr3-output-floor-phase-in-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_dora_ict_tpp_register", "description": "Build and validate DORA Art.28 Register of Information for ICT third-party providers with completeness scoring.", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string" }, "total_contracts": { "type": "number" } }, "required": [ "entity_type" ] }, "metadata": { "tool_id": "dora-ict-tpp-register-builder", "category": "cat-22", "tags": [ "DORA", "ICT", "third-party", "register", "Art.28", "Art.30", "EBA", "ITS", "EU 2022/2554" ], "url": "https://ainumbers.co/tools/358-dora-ict-tpp-register-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_dora_tlpt_scope_frequency", "description": "Determine TLPT obligation under DORA Art.26 and score programme readiness.", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string" }, "systemic_importance": { "type": "string" } }, "required": [ "entity_type", "systemic_importance" ] }, "metadata": { "tool_id": "dora-tlpt-scope-assessor", "category": "cat-22", "tags": [ "DORA", "TLPT", "TIBER-EU", "CBEST", "penetration testing", "Art.26", "cyber resilience" ], "url": "https://ainumbers.co/tools/359-dora-tlpt-scope-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "map_fida_open_finance_data_scope", "description": "Map FiDA data scope obligations, readiness, and FDSS participation status for EU financial entities.", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string" } }, "required": [ "entity_type" ] }, "metadata": { "tool_id": "fida-open-finance-data-scope-mapper", "category": "cat-5", "tags": [ "FiDA", "open finance", "data sharing", "FDSS", "PSD3", "API", "FAPI 2.0", "2027" ], "url": "https://ainumbers.co/tools/360-fida-open-finance-data-scope-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "361_iso8583_message_decoder", "description": "Decode ISO 8583 financial transaction messages. Parse MTI, bitmaps, and all data elements DE 1\u2013128. Full DE 39 response code lookup. Client-side, no data transmitted.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "361-iso8583-message-decoder", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/361-iso8583-message-decoder.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "362_payment_return_code_library", "description": "Unified searchable reference for payment return and reject codes: SEPA R-transactions, NACHA ACH, FedNow, UK Faster Payments, and SWIFT rejection codes. No API. No PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "362-payment-return-code-library", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/362-payment-return-code-library.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "363_lei_bic_iban_decoder", "description": "Decode and validate LEI (Legal Entity Identifier), BIC/SWIFT codes, and IBANs in one tool. Check digit validation, anatomy breakdown, and SEPA reachability. Client-side, no PII transmitted.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "363-lei-bic-iban-decoder", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/363-lei-bic-iban-decoder.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "364_tcfd_issb_climate_risk_builder", "description": "Map climate-related risks to TCFD/ISSB S2 pillars. Score readiness across Governance, Strategy, Risk Management, and Metrics & Targets. Generate disclosure checklists and gap-remediation priorities. Client-side, no PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "364-tcfd-issb-climate-risk-builder", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/364-tcfd-issb-climate-risk-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "365_greenwashing_risk_assessor", "description": "Score a financial product's sustainability claims against ESMA anti-greenwashing guidance (2024), FCA PS23/16, UK SDR, and SFDR. Claim-by-claim assessment and remediation checklist. Client-side, no PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "365-greenwashing-risk-assessor", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/365-greenwashing-risk-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "366_sll_kpi_adequacy_checker", "description": "Assess whether proposed KPIs for a Sustainability-Linked Loan or Bond meet the five ICMA SLP / LMA SLLP adequacy criteria. Score materiality, measurability, verifiability, ambition, and strategy alignment. Export for lender credit committee review.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "366-sll-kpi-adequacy-checker", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/366-sll-kpi-adequacy-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "367_regulatory_acronym_reference", "description": "Searchable reference of 250+ payment and fintech regulatory abbreviations, standards, and frameworks. Covers EU, US, international standards, scheme rules, and agentic payment protocols. Client-side, no API.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "367-regulatory-acronym-reference", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/367-regulatory-acronym-reference.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "368_csdr_settlement_fails_penalty_calculator", "description": "Calculate daily and cumulative cash penalties for settlement fails under CSDR/CSDR Refit settlement discipline. Covers all instrument types, buy-in trigger logic, break-even analysis, and AP2 JSON export.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "368-csdr-settlement-fails-penalty-calculator", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/368-csdr-settlement-fails-penalty-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "369_t1_post_trade_workflow_timing_assessor", "description": "Assess whether your firm's post-trade workflow meets UK AST Code of Conduct and EU T+1 taskforce timing requirements. Step-by-step PASS/FAIL scoring, chain break identification, remediation actions, and AP2 export. Client-side, zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "369-t1-post-trade-workflow-timing-assessor", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/369-t1-post-trade-workflow-timing-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "370_settlement_efficiency_rate_calculator", "description": "Calculate your firm's Settlement Efficiency Rate (SER) by fail cause, benchmark against the UK AST target of 98% by value, and map the improvement trajectory to July-September 2027. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "370-settlement-efficiency-rate-calculator", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/370-settlement-efficiency-rate-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "371_securities_lending_recall_revenue_impact_modeler", "description": "Model the revenue impact on a securities lending programme of shortening recall periods to comply with UK T+1 settlement (October 2027). Quantifies revenue lost from tenor compression, CSDR penalty savings, and optimal rebalancing strategy.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "371-securities-lending-recall-revenue-impact-modeler", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/371-securities-lending-recall-revenue-impact-modeler.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "372_buyin_scope_classifier_cost_penalty_estimator", "description": "CSDR Art.7 buy-in scope classifier: determines trigger status, calculates cumulative cash penalties, estimates buy-in execution cost, and recommends accept-penalty vs execute buy-in. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "372-buyin-scope-classifier-cost-penalty-estimator", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/372-buyin-scope-classifier-cost-penalty-estimator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "373_non_dvp_retail_fund_settlement_impact_assessor", "description": "Assess the T+1 settlement impact on retail fund firms using non-DVP (BACS-based) settlement flows. Models cost uplift of migrating to Faster Payments or CHAPS rails. UK AST Code of Conduct compliance. Client-side, zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "373-non-dvp-retail-fund-settlement-impact-assessor", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/373-non-dvp-retail-fund-settlement-impact-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_visa_vic_agent_token_scope", "description": "Build or validate a Visa Intelligent Commerce (VIC) agent-scoped payment token \u2014 identity, MCC scope, spend caps, lifecycle, rails, and consent tier.", "inputSchema": { "type": "object", "properties": { "vic_token_scope": { "type": "object", "description": "VIC agent token scope descriptor" } } }, "metadata": { "tool_id": "visa-vic-agent-token-scope-builder", "category": "cat-mcp", "tags": [ "Visa", "VIC", "Visa Intelligent Commerce", "agent token", "TAP", "spend controls", "agentic payments", "stablecoin", "AP2" ], "url": "https://ainumbers.co/tools/374-visa-vic-agent-token-scope-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "score_visa_agentic_ready_readiness", "description": "Score an institution across the six VIC Agentic Ready pillars and generate a gap report with milestone dates.", "inputSchema": { "type": "object", "properties": { "institution_type": { "type": "string" }, "tier": { "type": "string" }, "pillar_scores": { "type": "array", "items": { "type": "integer" } } } }, "metadata": { "tool_id": "visa-agentic-ready-issuer-readiness-scorer", "category": "cat-mcp", "tags": [ "Visa", "Agentic Ready", "VIC", "Intelligent Commerce", "agent token", "TAP", "spend controls", "stablecoin", "issuer readiness", "payments" ], "url": "https://ainumbers.co/tools/375-visa-agentic-ready-issuer-readiness-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "376_fca_operational_resilience_impact_tolerance_builder", "description": "Build and self-assess UK FCA PS21/3 operational resilience Important Business Services and impact tolerances. Map vulnerabilities and scenario-test tolerance breaches. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "376-fca-operational-resilience-impact-tolerance-builder", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/376-fca-operational-resilience-impact-tolerance-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "377_open_finance_data_product_revenue_modeler", "description": "Model the commercial case for financial data products under FIDA and UK open finance. Estimate API pricing, TPP revenue share, and compliance cost offsets. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "377-open-finance-data-product-revenue-modeler", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/377-open-finance-data-product-revenue-modeler.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "378_us_eu_settlement_mismatch_impact_estimator", "description": "Quantify the operational cost of the US T+1 vs EU T+2 settlement mismatch for cross-border broker-dealers and custodians. Models failed trade costs, pre-funding, FX exposure. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "378-us-eu-settlement-mismatch-impact-estimator", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/378-us-eu-settlement-mismatch-impact-estimator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "379_cbdc_pilot_participation_readiness_assessor", "description": "Evaluate a financial institution's readiness to join a CBDC pilot across technology, legal, AML/KYC, liquidity, and operations. Covers digital euro, Fed experiments, mBridge. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "379-cbdc-pilot-participation-readiness-assessor", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/379-cbdc-pilot-participation-readiness-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "380_physical_climate_risk_assessor", "description": "Map portfolio exposure to IPCC physical climate hazards across acute and chronic risk categories. Generates per-hazard risk scores, TCFD physical risk pillar checklist, and priority actions for disclosure.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "380-physical-climate-risk-assessor", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/380-physical-climate-risk-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "381_eu_green_bond_standard_screener", "description": "Screen bonds against EU Green Bond Standard (Regulation EU 2023/2631). Check taxonomy alignment, use of proceeds exclusivity, pre-issuance factsheet, accredited external verifier, and post-issuance reporting obligations. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "381-eu-green-bond-standard-screener", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/381-eu-green-bond-standard-screener.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "382_net_zero_alignment_scorer", "description": "Assess portfolio or firm alignment with SBTi, NZAM, and Paris Agreement 1.5\u00b0C frameworks. Per-framework scores, gap analysis, and prioritised decarbonisation actions. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "382-net-zero-alignment-scorer", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/382-net-zero-alignment-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "383_tnfd_nature_biodiversity_assessor", "description": "Assess nature-related financial risks using the TNFD LEAP framework. Score ecosystem service dependencies, evaluate LEAP readiness, and generate a TNFD-aligned disclosure checklist by sector. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "383-tnfd-nature-biodiversity-assessor", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/383-tnfd-nature-biodiversity-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "384_sfdr_pai_indicator_calculator", "description": "Calculate the 14 mandatory Principal Adverse Impact (PAI) indicators for SFDR Article 4/8/9 fund reporting under Regulation EU 2019/2088 and RTS 2022. Coverage-adjusted disclosure scoring. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "384-sfdr-pai-indicator-calculator", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/384-sfdr-pai-indicator-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "385_transition_plan_adequacy_checker", "description": "Evaluate transition plan quality against FCA PS23/24, EU CSRD/CS3D, and ISSB S2. Scores ambition, milestones, CapEx alignment, governance, and supply chain coverage. Gap registry and narrative checklist. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "385-transition-plan-adequacy-checker", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/385-transition-plan-adequacy-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_genius_act_payment_stablecoin_compliance", "description": "Tests issuer structure against GENIUS Act \u00a72 payment stablecoin definition; routes to OCC bank trust, state, or federal nonbank licensing path.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "genius-act-payment-stablecoin-compliance-checker", "category": "dlt-tokenization", "tags": [ "genius", "act", "stablecoin", "payment", "stablecoin", "definition", "occ", "federal", "reserve", "state" ], "url": "https://ainumbers.co/tools/386-genius-act-payment-stablecoin-compliance-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "select_genius_act_licensing_path", "description": "Routes stablecoin issuers to OCC, state-licensed, or federally qualified nonbank path with timeline, capital requirements, and obligations.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "genius-act-state-federal-licensing-path-selector", "category": "dlt-tokenization", "tags": [ "genius", "act", "stablecoin", "licensing", "path", "occ", "nonbank", "state", "regulator", "ppsi" ], "url": "https://ainumbers.co/tools/387-genius-act-state-federal-licensing-path-selector.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "model_stablecoin_reserve_stress", "description": "Models reserve adequacy under redemption surge and market shock per GENIUS Act \u00a74. Outputs days-to-zero, stressed coverage ratio, \u00a74 compliance flag.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "stablecoin-reserve-stress-test-modeller", "category": "dlt-tokenization", "tags": [ "genius", "act", "stablecoin", "reserve", "stress", "test", "t-bills", "repo", "insured", "deposits" ], "url": "https://ainumbers.co/tools/388-stablecoin-reserve-stress-test-modeller.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_genius_act_disclosure_report", "description": "Generates required reserve reports and public disclosures per GENIUS Act \u00a78. Produces structured disclosure template and \u00a78 compliance checklist.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "genius-act-disclosure-reporting-builder", "category": "dlt-tokenization", "tags": [ "genius", "act", "stablecoin", "disclosure", "reporting", "reserve", "attestation", "monthly", "compliance", "builder" ], "url": "https://ainumbers.co/tools/389-genius-act-disclosure-reporting-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_mica_white_paper", "description": "Generates MiCA-compliant white paper structure per Articles 19 (ART) / 51 (EMT) with 22-element completeness scoring and missing sections flagged.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "mica-white-paper-builder", "category": "dlt-tokenization", "tags": [ "mica", "crypto", "asset", "regulation", "art", "emt", "white", "paper", "art19", "art51" ], "url": "https://ainumbers.co/tools/390-mica-white-paper-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "calculate_mica_significant_token_threshold", "description": "Tests ART/EMT against MiCA Article 43 significance criteria triggering EBA/ESMA dual oversight. Per-criterion Pass/Fail/Borderline scoring.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "mica-significant-token-threshold-calculator", "category": "dlt-tokenization", "tags": [ "mica", "significant", "token", "art43", "art56", "eba", "esma", "dual", "oversight", "threshold" ], "url": "https://ainumbers.co/tools/391-mica-significant-token-threshold-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "map_mica_market_abuse_surveillance", "description": "Maps MiCA Title VI insider dealing and market manipulation rules to required surveillance systems and STOR obligations per entity type.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "mica-market-abuse-surveillance-mapper", "category": "dlt-tokenization", "tags": [ "mica", "market", "abuse", "insider", "dealing", "manipulation", "art88-97", "casp", "issuer", "stor" ], "url": "https://ainumbers.co/tools/392-mica-market-abuse-surveillance-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_mica_casp_passporting_readiness", "description": "Assesses readiness for CASPs planning EU-wide passporting under MiCA Article 60. Per-target-state compliance gaps and notification obligations.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "mica-casp-passporting-readiness-checker", "category": "dlt-tokenization", "tags": [ "mica", "casp", "passporting", "art60", "eu27", "nca", "notification", "freedom", "services", "branch" ], "url": "https://ainumbers.co/tools/393-mica-casp-passporting-readiness-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "map_mica_periodic_reporting_obligations", "description": "Schedules all MiCA ongoing reporting obligations by entity type and significant status \u2014 full annual calendar with deadlines and recipients.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "mica-periodic-reporting-obligation-mapper", "category": "dlt-tokenization", "tags": [ "mica", "reporting", "obligations", "casp", "art", "issuer", "emt", "nca", "eba", "esma" ], "url": "https://ainumbers.co/tools/394-mica-periodic-reporting-obligation-mapper.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_consumer_duty_vulnerability", "description": "Maps vulnerable customer segments to FCA Consumer Duty four outcome areas. 4\u00d74 RAG matrix with gap list and required actions per PS22/9 and FG21/1.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "consumer-duty-vulnerability-assessment-builder", "category": "regulatory-compliance", "tags": [ "fca", "consumer", "duty", "ps22/9", "vulnerability", "fg21/1", "four", "outcomes", "rag", "matrix" ], "url": "https://ainumbers.co/tools/395-consumer-duty-vulnerability-assessment-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_consumer_duty_price_value", "description": "Tests product/service against FCA PRIN 2A.4 price and value outcome. Five-factor scoring with Pass/Review/Fail verdict and price band recommendations.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "consumer-duty-price-value-assessment", "category": "regulatory-compliance", "tags": [ "fca", "consumer", "duty", "prin", "2a.4", "price", "value", "assessment", "ps22/9", "fair" ], "url": "https://ainumbers.co/tools/396-consumer-duty-price-value-assessment.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "build_consumer_duty_mi_framework", "description": "Generates 16-metric MI framework covering all four Consumer Duty outcomes with data sources, frequency, owner, and escalation thresholds.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "consumer-duty-mi-framework-builder", "category": "regulatory-compliance", "tags": [ "fca", "consumer", "duty", "ps22/9", "management", "information", "framework", "board", "reporting", "governance" ], "url": "https://ainumbers.co/tools/397-consumer-duty-mi-framework-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_frtb_desk_ima_eligibility", "description": "Maps trading desk boundaries and tests IMA qualification criteria under FRTB MAR30-33. Outputs eligibility, colour zone, and fallback capital add-on.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "frtb-trading-desk-ima-eligibility-assessor", "category": "regulatory-compliance", "tags": [ "frtb", "ima", "trading", "desk", "mar30", "mar33", "crr3", "back-testing", "colour", "zone" ], "url": "https://ainumbers.co/tools/398-frtb-trading-desk-ima-eligibility-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "simulate_frtb_pnl_attribution_test", "description": "Simulates FRTB P&L Attribution Test. Calculates Pearson/Spearman correlations, UPL variance ratio, and Green/Amber/Red zone per MAR32.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "pnl-attribution-test-simulator", "category": "regulatory-compliance", "tags": [ "frtb", "p&l", "attribution", "test", "plat", "pearson", "spearman", "correlation", "upl", "mar32" ], "url": "https://ainumbers.co/tools/399-pnl-attribution-test-simulator.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "calculate_sa_ccr_exposure", "description": "Computes SA-CCR EAD = alpha \u00d7 (RC + PFE) for derivatives per CRR2/CRR3. Full formula workings with supervisory delta and maturity factor.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "sa-ccr-exposure-calculator", "category": "regulatory-compliance", "tags": [ "sa-ccr", "standardised", "counterparty", "credit", "risk", "ead", "pfe", "alpha", "1.4", "crr2" ], "url": "https://ainumbers.co/tools/400-sa-ccr-exposure-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "select_cva_capital_framework", "description": "Routes banks to BA-CVA vs SA-CVA vs Simplified based on portfolio, waiver eligibility, and complexity per CRR2/CRR3 Articles 381-386.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "cva-capital-framework-selector", "category": "regulatory-compliance", "tags": [ "cva", "capital", "ba-cva", "sa-cva", "simplified", "crr3", "g-sib", "waiver", "eba", "rts" ], "url": "https://ainumbers.co/tools/401-cva-capital-framework-selector.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "decode_swift_mt_mx_field_migration", "description": "Maps legacy SWIFT MT fields (MT103/MT202/MT940/MT950) to ISO 20022 MX equivalents with truncation alerts and coexistence period guidance.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "swift-mt-mx-field-decoder", "category": "reference-decoder", "tags": [ "swift", "iso20022", "migration", "mt103", "mt202", "pacs008", "field", "mapping", "truncation", "hvps" ], "url": "https://ainumbers.co/tools/402-swift-mt-mx-field-decoder.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "resolve_payment_error_code", "description": "Resolves payment decline/error codes across 8 rails (SWIFT, SEPA, NACHA ACH, Visa, Mastercard, FPS, FedNow, RTP) with root cause and remediation steps.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "payment-error-code-resolver", "category": "reference-decoder", "tags": [ "payment", "error", "code", "decline", "resolver", "swift", "sepa", "nacha", "ach", "visa" ], "url": "https://ainumbers.co/tools/403-payment-error-code-resolver.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_payment_institution_authorisation_readiness", "description": "Gaps PI/EMI licence applications against FCA and EU NCA requirements. Readiness score 0-100 with gap list per PSD2/PSR 2017 Article requirement.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "payment-institution-authorisation-readiness-checker", "category": "psp-payment-compliance", "tags": [ "emi", "authorisation", "readiness", "fca", "psd2", "psrs", "2017", "payment", "institution", "capital" ], "url": "https://ainumbers.co/tools/404-payment-institution-authorisation-readiness-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "calculate_emi_capital_requirements", "description": "Computes EMI own-funds requirement per EMD2 Article 5 Methods A/B/C. Comparison table across all three methods with recommended approach.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "emi-capital-requirements-calculator", "category": "psp-payment-compliance", "tags": [ "emi", "capital", "requirements", "method", "emd2", "emr", "own", "funds", "ongoing", "initial" ], "url": "https://ainumbers.co/tools/405-emi-capital-requirements-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "split_psr_app_reimbursement_liability", "description": "Allocates APP fraud reimbursement liability between sending and receiving PSPs under UK PSR PS23/3 (Oct 2024). Computes \u00a3 splits and claim eligibility.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "psr-app-reimbursement-liability-splitter", "category": "psp-payment-compliance", "tags": [ "psr", "app", "fraud", "reimbursement", "sending", "receiving", "psp", "liability", "ps23/3", "october" ], "url": "https://ainumbers.co/tools/406-psr-app-reimbursement-liability-splitter.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_fida_fip_authorisation_readiness", "description": "Gaps FIP licence applications against EU FIDA Regulation Articles 14-25. Readiness score 0-100 with authorisation timeline and technical standards.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "fida-fip-authorisation-readiness-builder", "category": "open-banking", "tags": [ "fida", "financial", "information", "service", "provider", "fip", "authorisation", "com/2023/360", "article", "14-25" ], "url": "https://ainumbers.co/tools/407-fida-fip-authorisation-readiness-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "check_fida_permission_scheme_scope", "description": "Maps data categories to FIDA permission scheme vs PSD2/open banking obligations. In Scope / Out of Scope / Existing Obligation per data type.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "fida-permission-scheme-scope-checker", "category": "open-banking", "tags": [ "fida", "permission", "scheme", "scope", "psd2", "banking", "investment", "insurance", "pensions", "mortgage" ], "url": "https://ainumbers.co/tools/408-fida-permission-scheme-scope-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "calculate_open_finance_api_monetisation", "description": "Models revenue scenarios for data holders offering premium open finance API access under FIDA. 3-year projection, margin analysis, and break-even.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "open-finance-api-monetisation-calculator", "category": "open-banking", "tags": [ "open", "finance", "fida", "api", "monetisation", "revenue", "tiered", "pricing", "cost-to-serve", "break-even" ], "url": "https://ainumbers.co/tools/409-open-finance-api-monetisation-calculator.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "map_fida_cross_sector_data_scope", "description": "Maps insurance, pension, mortgage, and investment data into FIDA scope with Phase 1/2/3 implementation timeline per sector and standardisation body.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "fida-cross-sector-data-scope-mapper", "category": "open-banking", "tags": [ "fida", "cross-sector", "data", "scope", "insurance", "pensions", "mortgage", "investment", "phase", "timeline" ], "url": "https://ainumbers.co/tools/410-fida-cross-sector-data-scope-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "model_open_finance_business_case_roi", "description": "5-year ROI model with NPV, payback period, and \u00b120%/\u00b130% sensitivity analysis for open finance API investment decisions.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "open-finance-business-case-roi-modeller", "category": "open-banking", "tags": [ "open", "finance", "business", "case", "roi", "npv", "payback", "5-year", "model", "fida" ], "url": "https://ainumbers.co/tools/411-open-finance-business-case-roi-modeller.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_mifid3_ifr_investment_firm_impact", "description": "Calculates IFR K-factor capital requirements (K-AUM + K-COH + K-ASA) by firm class and assesses MiFID III reform impact across best execution and research.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "mifid3-ifr-investment-firm-impact-assessor", "category": "regulatory-compliance", "tags": [ "mifid3", "ifr", "ifd", "investment", "firm", "class", "k-factor", "k-aum", "k-coh", "k-asa" ], "url": "https://ainumbers.co/tools/412-mifid3-ifr-investment-firm-impact-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "map_eu_data_act_financial_services_scope", "description": "Maps EU Data Act (Sep 2025) obligations for financial services. Articles 3-31 scope, cloud switching, public sector access, and overlap with FIDA/GDPR.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "eu-data-act-financial-services-scope-mapper", "category": "regulatory-compliance", "tags": [ "data", "act", "2023/2854", "financial", "services", "september", "2025", "connected", "products", "cloud" ], "url": "https://ainumbers.co/tools/413-eu-data-act-financial-services-scope-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "check_psd3_sca_transition", "description": "Compares current PSD2 SCA implementation against PSD3. Gap analysis, exemption threshold changes, liability shift implications, and RTS timeline.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "psd3-sca-transition-checker", "category": "regulatory-compliance", "tags": [ "psd3", "sca", "strong", "customer", "authentication", "transition", "psd2", "exemptions", "liability", "shift" ], "url": "https://ainumbers.co/tools/414-psd3-sca-transition-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "415_scheme_fee_analyzer", "description": "Break down Visa and Mastercard scheme fees for acquirers and large merchants \u2014 assessment fees, FANF, cross-border fees, NABU/NAPF \u2014 to model and benchmark total scheme cost. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "415-scheme-fee-analyzer", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/415-scheme-fee-analyzer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "416_issuer_card_portfolio_pl", "description": "Model the full economics of a card issuer portfolio \u2014 net interest income, interchange revenue, annual fees, rewards cost, fraud losses, credit losses, and servicing cost \u2014 to produce per-account unit economics and portfolio ROA.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "416-issuer-card-portfolio-pl", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/416-issuer-card-portfolio-pl.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "417_card_programme_unit_economics", "description": "Model the unit economics of a card programme \u2014 interchange split, rewards liability, marketing contribution, programme fees \u2014 to find breakeven spend-per-card and annual P&L. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "417-card-programme-unit-economics", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/417-card-programme-unit-economics.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "418_pi_own_funds_calculator", "description": "Computes own-funds requirement for Payment Institutions under PSD2 Article 9 / UK PSRs 2017. Methods A, B, and C comparison with capital adequacy check and Policy Mandate JSON. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "418-pi-own-funds-calculator", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/418-pi-own-funds-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "419_sca_exemption_classifier", "description": "Identify all applicable PSD2 / UK PSR SCA exemptions for a payment transaction, ranked by friction. Liability shift positions, regulatory basis, and AP2 export. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "419-sca-exemption-classifier", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/419-sca-exemption-classifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "420_mt700_lc_field_validator", "description": "Validate SWIFT MT700 Documentary Credit fields against UCP 600 rules and ISBP 821, and run a presented-document UCP 600 discrepancy check (TF-02 rules R01-R14) comparing presented documents against the captured LC terms. Flags missing mandatory fields, format errors, date logic, common discrepancy risks, and produces a per-rule PASS/FAIL/WARNING/N-A report with article citations, a discrepancy-count badge, an informational readiness score, and CSV export. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "420-mt700-lc-field-validator", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/420-mt700-lc-field-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.2.0", "prefill": true } }, { "name": "421_supply_chain_finance_pricing", "description": "Model the economics of SCF programmes \u2014 reverse factoring, receivables discounting, and dynamic discounting \u2014 from buyer and supplier perspectives. Compare cost vs. WACC, yield to funder, and NPV of early payment.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "421-supply-chain-finance-pricing", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/421-supply-chain-finance-pricing.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "422_incoterms_2020_risk_mapper", "description": "Map risk transfer points, cost responsibilities, and insurance obligations across all 11 Incoterms 2020 rules. Compare two Incoterms side by side. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "422-incoterms-2020-risk-mapper", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/422-incoterms-2020-risk-mapper.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "423_dc_vs_lc_analyzer", "description": "Compare total cost and risk exposure of Documentary Collections (D/P, D/A) against Letters of Credit (Sight, Usance, SBLC) for trade transactions. Risk-adjusted recommendation, URC 522 compliance checklist, and jurisdiction D/A enforceability flags. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "423-dc-vs-lc-analyzer", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/423-dc-vs-lc-analyzer.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.2.0", "prefill": true } }, { "name": "424_trade_credit_country_risk", "description": "Assess combined country risk and commercial credit risk for a trade transaction. OECD Country Risk Classification, political risk overlays, and mitigation instrument recommendations. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "424-trade-credit-country-risk", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/424-trade-credit-country-risk.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "425_forfaiting_factoring_economics", "description": "Compare net proceeds and cost of funding across forfaiting, factoring (with/without recourse), and invoice discounting. Model advance rates, discount rates, reserves, and fees. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "425-forfaiting-factoring-economics", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/425-forfaiting-factoring-economics.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "426_trade_sanctions_compliance_checker", "description": "Assess the sanctions and export control compliance risk of a trade transaction across OFAC, EU, UN, and UK regimes. Flag high-risk jurisdictions, dual-use goods, and red-flag indicators. Deterministic rule-based engine. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "426-trade-sanctions-compliance-checker", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/426-trade-sanctions-compliance-checker.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "427_bank_guarantee_structuring_tool", "description": "Structure and cost bank guarantees and standby letters of credit. Compare URDG 758, ISP98, and UCP 600 governing rules. Model guarantee economics and generate a SWIFT MT760 field guide. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "427-bank-guarantee-structuring-tool", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/427-bank-guarantee-structuring-tool.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "428_mifid_costs_charges_calculator", "description": "Calculate and disclose ex-ante investment costs and charges per MiFID II Article 24(4) and PRIIPs KID methodology. Aggregates one-off, ongoing, and incidental costs into a total cost figure, reduction-in-yield (RIY), and standardized disclosure table. UK and EU regimes. Zero PII. Client-side.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "428-mifid-costs-charges-calculator", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/428-mifid-costs-charges-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "429_model_portfolio_risk_analytics", "description": "Calculate key risk and return metrics for a model portfolio of up to 8 asset classes. Outputs expected return, volatility, Sharpe ratio, max drawdown estimate, VaR 95%, tracking error vs benchmark, and efficient frontier. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "429-model-portfolio-risk-analytics", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/429-model-portfolio-risk-analytics.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "430_mifid_suitability_assessment", "description": "Structure a MiFID II Article 25 / MiFID III suitability assessment for retail and professional clients. Maps financial situation, objectives, risk, knowledge against product risk. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "430-mifid-suitability-assessment", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/430-mifid-suitability-assessment.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "431_advisory_fee_disclosure_builder", "description": "Build a compliant adviser fee disclosure under UK RDR / MiFID II Article 24(4). Aggregates charges into a total cost projection with 5-year compounding drag analysis and SVG charts. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "431-advisory-fee-disclosure-builder", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/431-advisory-fee-disclosure-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "432_portfolio_drift_rebalancing", "description": "Detect allocation drift from target weights for up to 8 asset classes. Calculate rebalancing trade sizes, estimate transaction costs vs. drift cost, and model tax impact. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "432-portfolio-drift-rebalancing", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/432-portfolio-drift-rebalancing.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "433_tax_wrapper_optimizer", "description": "Compare after-tax returns across ISA, SIPP, GIA (UK) and Roth IRA, Traditional IRA, 401k, Taxable (US). Model contribution limits, tax relief, withdrawal taxation, and 30-year projections. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "433-tax-wrapper-optimizer", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/433-tax-wrapper-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "434_fiduciary_duty_gap_assessor", "description": "Gap-check investment firm practices against fiduciary and best interest requirements under FCA Consumer Duty (PS22/9), SEC Reg BI, DOL Fiduciary Rule (2024), and MiFID III. Outputs compliance gap score and remediation checklist. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "434-fiduciary-duty-gap-assessor", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/434-fiduciary-duty-gap-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "435_credit_facility_structuring", "description": "Model the economics of corporate credit facilities \u2014 term loans, revolving credit, and capex facilities. Calculate all-in cost of funds, lender yield, amortisation schedules, and sensitivity analysis. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "435-credit-facility-structuring", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/435-credit-facility-structuring.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "436_loan_covenant_compliance_monitor", "description": "Test financial covenant compliance for up to 6 covenants simultaneously. Input actual financial figures, compare against thresholds, calculate headroom, and model forward compliance under stress scenarios. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "436-loan-covenant-compliance-monitor", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/436-loan-covenant-compliance-monitor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "437_raroc_loan_pricing", "description": "Calculate Risk-Adjusted Return on Capital (RAROC) for a corporate loan. Model expected loss, economic capital, and compare RAROC vs. hurdle rate. Generate break-even spread. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "437-raroc-loan-pricing", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/437-raroc-loan-pricing.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "438_dscr_interest_coverage_calculator", "description": "Calculate Debt Service Coverage Ratio (DSCR) and Interest Coverage Ratio (ICR) under all major bank, covenant, and CRE definitions. Input financials once, get all variants, sensitivity tables, lender threshold comparisons, and break-even EBITDA. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "438-dscr-interest-coverage-calculator", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/438-dscr-interest-coverage-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "439_basel_credit_rwa_calculator", "description": "Calculate credit Risk-Weighted Assets under Basel III/IV Standardised Approach (CRR3). Input counterparty type, rating, exposure, collateral. Outputs RWA, Pillar 1 capital, SA comparison. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "439-basel-credit-rwa-calculator", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/439-basel-credit-rwa-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "440_loan_apr_aprc_disclosure", "description": "Calculate APR and APRC for consumer and mortgage loans under EU CCD2, UK FCA CONC/MCOB, and US TILA/Reg Z. Newton-Raphson solver, amortisation schedule, compliant disclosure text. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "440-loan-apr-aprc-disclosure", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/440-loan-apr-aprc-disclosure.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "441_udaap_risk_assessor", "description": "Score products and practices against the CFPB UDAAP framework (Unfair, Deceptive, Abusive Acts or Practices) under Dodd-Frank Section 1031. Weighted risk flags and recommended controls. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "441-udaap-risk-assessor", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/441-udaap-risk-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "442_reg_e_dispute_workflow_builder", "description": "Generate a compliant Reg E error resolution workflow for Electronic Funds Transfer disputes. Investigation timelines, provisional credit rules, consumer notification requirements per 12 CFR Part 1005. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "442-reg-e-dispute-workflow-builder", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/442-reg-e-dispute-workflow-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "443_durbin_amendment_interchange_analyzer", "description": "Determine debit card interchange fee caps under the Durbin Amendment (Regulation II, 12 CFR Part 235). Calculates issuer coverage, applicable interchange cap, and routing compliance requirements.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "443-durbin-amendment-interchange-analyzer", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/443-durbin-amendment-interchange-analyzer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "444_hmda_reportability_checker", "description": "Determine whether a loan application or action is reportable under the Home Mortgage Disclosure Act (HMDA, Regulation C, 12 CFR Part 1003). Checks institutional coverage, transaction coverage, and data collection requirements.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "444-hmda-reportability-checker", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/444-hmda-reportability-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "445_bsa_sar_filing_adequacy_checker", "description": "Evaluate whether a Suspicious Activity Report (SAR) meets FinCEN's BSA filing thresholds and content adequacy requirements under 31 CFR Part 1020. Checks mandatory filing triggers, content completeness, and filing timeliness.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "445-bsa-sar-filing-adequacy-checker", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/445-bsa-sar-filing-adequacy-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "model_embedded_insurance_pricing", "description": "Model unit economics for embedded insurance products. Calculates GWP, net written premium, expected losses, combined ratio, underwriting profit, and breakeven loss ratio. Regulatory flags for FCA FG24/1, EU IDD, ASIC DDO jurisdictions. Sensitivity analysis across loss ratio and attachment rate.", "inputSchema": { "type": "object", "required": [ "itemValue", "premiumPct", "attachRate", "monthlyTx", "lossRatio", "commissionPct", "opexPct" ], "properties": { "itemValue": { "type": "number" }, "premiumPct": { "type": "number" }, "attachRate": { "type": "number" }, "monthlyTx": { "type": "integer" }, "lossRatio": { "type": "number" }, "commissionPct": { "type": "number" }, "opexPct": { "type": "number" }, "reinsCeded": { "type": "number" }, "jurisdiction": { "type": "string" }, "distChannel": { "type": "string" } } }, "metadata": { "tool_id": "446-embedded-insurance-pricing-modeller", "category": "cat-30", "tags": [ "embedded-insurance", "insurtech", "loss-ratio", "GWP", "combined-ratio", "IDD", "FCA", "BNPL", "pricing-model", "breakeven", "reinsurance", "Zero-PII" ], "url": "https://ainumbers.co/tools/446-embedded-insurance-pricing-modeller.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.0", "prefill": true } }, { "name": "calculate_solvency_ii_scr", "description": "Calculate indicative BSCR under Solvency II Standard Formula (CDR EU 2015/35). Computes non-life premium and reserve risk (Annex II factors), market risk (equity 39/49%, IR duration-approximation, property 25%, FX 25%), counterparty default Type 1 (PD by rating, LGD 50%), and aggregates with prescribed correlation matrices. Returns module-level SCR breakdown, BSCR, diversification benefit, and optional SCR coverage ratio. Note: excludes operational risk SCR, LACTP/LACDT, life/health UW modules.", "inputSchema": { "type": "object", "required": [ "nlPremium", "nlReserve", "nlLoB" ], "properties": { "nlPremium": { "type": "number" }, "nlReserve": { "type": "number" }, "nlLoB": { "type": "string" }, "eq1": { "type": "number" }, "eq2": { "type": "number" }, "bondVal": { "type": "number" }, "duration": { "type": "number" }, "propVal": { "type": "number" }, "fxVal": { "type": "number" }, "reinsRecov": { "type": "number" }, "ratingSelect": { "type": "string" }, "ownFunds": { "type": "number" } } }, "metadata": { "tool_id": "447-solvency-ii-scr-calculator", "category": "cat-30", "tags": [ "solvency-ii", "SCR", "BSCR", "standard-formula", "non-life", "market-risk", "underwriting-risk", "counterparty-default", "EU-2015/35", "EIOPA", "actuarial", "insurance-regulation", "Zero-PII" ], "url": "https://ainumbers.co/tools/447-solvency-ii-scr-calculator.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.0", "prefill": true } }, { "name": "check_priips_kid_compliance", "description": "Evaluates a PRIIP KID against Regulation (EU) No 1286/2014 and Level 2 RTS requirements. Returns compliance status, 0-100 score, list of critical failures, and remediation actions.", "inputSchema": { "type": "object", "properties": { "product_type": { "type": "string" }, "jurisdiction": { "type": "string" }, "sections_present": { "type": "object" } }, "required": [ "product_type" ] }, "metadata": { "tool_id": "priips-kid-compliance-checker", "category": "cat-27", "tags": [ "PRIIPs", "KID", "EU", "retail investment", "SRI", "cost disclosure", "compliance" ], "url": "https://ainumbers.co/tools/448-priips-kid-compliance-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "calculate_isa_lisa_eligibility", "description": "Calculates UK ISA and LISA eligibility, annual allowances, LISA government bonus, and 5-year savings projections.", "inputSchema": { "type": "object", "properties": { "age": { "type": "number" }, "already_isa": { "type": "number" }, "already_lisa": { "type": "number" }, "monthly_contribution": { "type": "number" } }, "required": [ "age" ] }, "metadata": { "tool_id": "isa-lisa-eligibility-calculator", "category": "cat-27", "tags": [ "ISA", "LISA", "UK savings", "WealthTech", "tax-free", "annual allowance" ], "url": "https://ainumbers.co/tools/449-isa-lisa-eligibility-calculator.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "450_pcaf_retail_portfolio_carbon_footprint", "description": "Calculate financed emissions for a retail lending portfolio using the PCAF Global GHG Accounting and Reporting Standard Part C. Covers residential mortgages, auto loans, personal loans, and credit cards. Zero PII. Client-side.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "450-pcaf-retail-portfolio-carbon-footprint", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/450-pcaf-retail-portfolio-carbon-footprint.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "451_sr11_7_model_risk_management_gap_assessor", "description": "Evaluate your institution's model risk management framework against Federal Reserve SR 11-7 / OCC 2011-12 guidance. Scores model development, validation, governance, and inventory practices with gap identification and remediation priorities.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "451-sr11-7-model-risk-management-gap-assessor", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/451-sr11-7-model-risk-management-gap-assessor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "assess_fair_lending_ai_bias", "description": "Assesses an AI/ML credit model for fair lending compliance risks across transparency, disparate impact, adverse action, governance, and regulatory exposure dimensions.", "inputSchema": { "type": "object", "properties": { "model_type": { "type": "string" }, "model_purpose": { "type": "string" }, "di_ratio": { "type": "number" }, "jurisdiction": { "type": "string" } } }, "metadata": { "tool_id": "fair-lending-ai-bias-assessment", "category": "cat-28", "tags": [ "fair lending", "ECOA", "disparate impact", "EU AI Act", "model risk", "bias", "explainability" ], "url": "https://ainumbers.co/tools/452-fair-lending-ai-bias-assessment.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "453_account_takeover_detection_policy_builder", "description": "Build a customised ATO detection policy for financial services firms. Evaluates authentication controls, step-up triggers, and post-takeover response. Generates a structured policy framework. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "453-account-takeover-detection-policy-builder", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/453-account-takeover-detection-policy-builder.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "454_first_party_fraud_mule_detection_framework", "description": "Identify first-party fraud risk indicators and money mule typologies across retail banking portfolios. Score accounts for elevated risk, with SAR triggers and investigative priorities. Client-side. Zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "454-first-party-fraud-mule-detection-framework", "category": "fintech", "tags": [], "url": "https://ainumbers.co/tools/454-first-party-fraud-mule-detection-framework.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "analyze_pc_combined_ratio", "description": "Compute P&C Loss Ratio = (incurred losses + LAE) / earned premium, Expense Ratio = underwriting expenses / (written or earned premium), Combined Ratio = loss + expense, and optional Operating Ratio = combined - investment yield. Benchmark the combined ratio against published industry medians (AM Best 2024/2025, NAIC 2024) by line of business, assign a colour-coded adequacy zone (green <95%, amber 95-105%, red >105%), and flag the NAIC IRIS solvency-screening threshold (combined ratio > 115%). Returns ratios, zone, IRIS flag, and benchmark deltas.", "inputSchema": { "type": "object", "required": [ "lob", "earnedPremium", "incurredLosses", "uwExpenses" ], "properties": { "lob": { "type": "string" }, "earnedPremium": { "type": "number" }, "writtenPremium": { "type": "number" }, "incurredLosses": { "type": "number" }, "lae": { "type": "number" }, "uwExpenses": { "type": "number" }, "acqCosts": { "type": "number" }, "basis": { "type": "string" }, "invYield": { "type": "number" } } }, "metadata": { "tool_id": "455-pc-combined-ratio-analyzer", "category": "cat-30", "tags": [ "combined-ratio", "loss-ratio", "expense-ratio", "P&C", "underwriting", "NAIC-IRIS", "AM-Best", "benchmark", "insurance", "actuarial", "profitability", "Zero-PII" ], "url": "https://ainumbers.co/tools/455-pc-combined-ratio-analyzer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0", "prefill": true } }, { "name": "price_reinsurance_burning_cost", "description": "Price an excess-of-loss reinsurance layer by the burning cost method. Trends historical ground-up losses to the prospective period, applies an IBNR load and exposure adjustment, computes the as-if layer loss per accident year (min(max(developed-attachment,0),limit)), and divides total layer losses by total subject premium to get the burning cost rate. Returns technical rate (BC / target loss ratio), technical premium, expected layer loss, reinstatement cost, and a low-credibility flag. Use when an agent needs an experience-rated indicative price for a treaty XL layer. Supplement with exposure rating for thin/high layers.", "inputSchema": { "type": "object", "required": [ "attach", "limit", "targetLR" ], "properties": { "attach": { "type": "number" }, "limit": { "type": "number" }, "treatyType": { "type": "string", "enum": [ "per_occ", "aggregate" ] }, "trend": { "type": "number" }, "trendYears": { "type": "number" }, "ibnr": { "type": "number" }, "targetLR": { "type": "number" }, "prospPrem": { "type": "number" }, "loss_experience": { "type": "array", "items": { "type": "object" } } } }, "metadata": { "tool_id": "456-reinsurance-burning-cost-pricer", "category": "cat-30", "tags": [ "reinsurance", "burning-cost", "excess-of-loss", "XL", "treaty-pricing", "technical-premium", "as-if", "reinstatement", "IBNR", "loss-trend", "sensitivity", "CAS", "actuarial", "Zero-PII" ], "url": "https://ainumbers.co/tools/456-reinsurance-burning-cost-pricer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0", "prefill": true } }, { "name": "calculate_naic_rbc_ratio", "description": "Calculate a simplified NAIC Risk-Based Capital (RBC) ratio for a US P&C insurer. Computes asset risk charges (R0 affiliates 10%, R1 fixed income weighted rate, R2 equity 15%, R3 credit 5\u201310%) and underwriting risk charges (R4 reserves, R5 premium by line of business), applies the covariance square-root aggregation RBC_after_cov = R0 + sqrt(R1^2+R2^2+R3^2+R4^2+R5^2), derives Authorized Control Level RBC = RBC_after_cov/2, and returns the RBC ratio against the NAIC action levels (CAL 200%, RAL 150%, ACL 100%, MCL 70%). Simplified standard formula \u2014 indicative.", "inputSchema": { "type": "object", "required": [ "surplus", "admittedDebt", "r1Base", "r1Rate", "r4Base", "r5Base", "lineSelect" ], "properties": { "surplus": { "type": "number" }, "admittedDebt": { "type": "number" }, "capAdj": { "type": "number" }, "r0Base": { "type": "number" }, "r1Base": { "type": "number" }, "r1Rate": { "type": "number" }, "r2Base": { "type": "number" }, "r3Base": { "type": "number" }, "r3Rate": { "type": "number" }, "r4Base": { "type": "number" }, "r5Base": { "type": "number" }, "lineSelect": { "type": "string" } } }, "metadata": { "tool_id": "457-naic-rbc-calculator", "category": "cat-30", "tags": [ "NAIC", "RBC", "risk-based-capital", "ACL", "authorized-control-level", "P&C", "property-casualty", "insurance-regulation", "Model-Act-312", "covariance", "solvency", "Zero-PII" ], "url": "https://ainumbers.co/tools/457-naic-rbc-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0", "prefill": true } }, { "name": "design_parametric_trigger", "description": "Design a parametric insurance / catastrophe bond trigger structure and estimate basis risk. Computes expected annual payout = (freq_attach + freq_exhaust)/2 \u00d7 avg_payout_factor \u00d7 limit; risk premium = E[Payout] \u00d7 (1 + risk_load); technical rate on line = premium / limit; basis risk via expected basis risk loss = (1 \u2212 r\u00b2) \u00d7 loss-spread proxy, expressed as % of limit; and a settlement speed score by trigger type. Returns probability summary, premium indication at multiple risk loads, basis risk dashboard, and trigger-type comparison. Premium is illustrative only \u2014 not a binding quote.", "inputSchema": { "type": "object", "required": [ "attach", "exhaust", "limit", "corrR" ], "properties": { "triggerType": { "type": "string" }, "peril": { "type": "string" }, "territory": { "type": "string" }, "attach": { "type": "number" }, "exhaust": { "type": "number" }, "payAttach": { "type": "number" }, "payExhaust": { "type": "number" }, "payoutFn": { "type": "string" }, "limit": { "type": "number" }, "reinstate": { "type": "number" }, "freqAttach": { "type": "number" }, "freqExhaust": { "type": "number" }, "lossExhaust": { "type": "number" }, "lossAttach": { "type": "number" }, "corrR": { "type": "number" }, "riskLoad": { "type": "number" } } }, "metadata": { "tool_id": "458-parametric-trigger-designer", "category": "cat-30", "tags": [ "parametric-insurance", "catastrophe-bond", "ILS", "basis-risk", "rate-on-line", "trigger-structure", "reinsurance", "sovereign-risk", "payout-curve", "Zero-PII" ], "url": "https://ainumbers.co/tools/458-parametric-trigger-designer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0", "prefill": true } }, { "name": "test_ratemaking_adequacy", "description": "Test P&C insurance rate adequacy with the pure premium / loss-ratio method (CAS Exam 5; CAS Statement of Principles). Supply up to 10 accident-year rows (earned exposures, earned premium, incurred losses+LAE, claim counts, current rate level factor), loss/premium trend, variable & fixed expense and profit provisions, and credibility settings (square-root or full; default full-credibility 1,082 claims). Returns on-level premium, exposure-weighted trended pure premium, permissible loss ratio, indicated rate change, credibility weight Z = min(sqrt(n/n_full),1), the credibility-weighted indication, an adequacy verdict, and a trend/PLR sensitivity grid. On-level factors and loss development must be supplied by the caller. Deterministic, client-side, zero PII.", "inputSchema": { "type": "object", "required": [ "lossTrend", "trendPeriod", "varExp", "fixedExp", "profit", "fullCred" ], "properties": { "lossTrend": { "type": "number" }, "trendPeriod": { "type": "number" }, "premTrend": { "type": "number" }, "varExp": { "type": "number" }, "fixedExp": { "type": "number" }, "profit": { "type": "number" }, "credMethod": { "type": "string" }, "fullCred": { "type": "number" }, "complementType": { "type": "string" }, "complementVal": { "type": "number" } } }, "metadata": { "tool_id": "459-insurance-ratemaking-adequacy", "category": "cat-30", "tags": [ "ratemaking", "pure-premium-method", "loss-ratio-method", "indicated-rate-change", "credibility", "permissible-loss-ratio", "actuarial", "rate-filing", "CAS", "property-casualty", "insurance-pricing", "Zero-PII" ], "url": "https://ainumbers.co/tools/459-insurance-ratemaking-adequacy.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0", "prefill": true } }, { "name": "compare_solvency_regimes", "description": "Compare required and available insurer capital across four international solvency regimes \u2014 EU Solvency II SCR (simplified standard formula per CDR 2015/35), NAIC RBC (simplified R0\u2013R5 + covariance), Bermuda BSCR Class E (market+insurance+credit -> ECR), and IRDAI Solvency Margin (RSM = max(50% NWP, prescribed % net claims)) \u2014 from one shared simplified balance sheet. Returns a regime comparison table, the binding capital constraint, per-regime solvency ratios and excess buffers, and a sensitivity view. Simplified approximation \u2014 indicative only; use T447 for full Solvency II SCR and T457 for full NAIC RBC.", "inputSchema": { "type": "object", "required": [ "totalAssets", "nwp", "netReserves" ], "properties": { "totalAssets": { "type": "number" }, "techProvisions": { "type": "number" }, "otherLiab": { "type": "number" }, "nwp": { "type": "number" }, "nep": { "type": "number" }, "netReserves": { "type": "number" }, "grossReserves": { "type": "number" }, "netClaims": { "type": "number" }, "opex": { "type": "number" }, "bonds": { "type": "number" }, "equities": { "type": "number" }, "property": { "type": "number" }, "reinsRecov": { "type": "number" }, "premLoading": { "type": "string" }, "resLoading": { "type": "string" }, "catRisk": { "type": "string" }, "mktProfile": { "type": "string" } } }, "metadata": { "tool_id": "460-solvency-regime-comparator", "category": "cat-30", "tags": [ "solvency-ii", "NAIC-RBC", "bermuda-BSCR", "IRDAI", "solvency-margin", "capital-comparison", "binding-constraint", "cross-border", "reinsurance", "SCR", "ECR", "RBC", "insurance-regulation", "Zero-PII" ], "url": "https://ainumbers.co/tools/460-solvency-regime-comparator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0", "prefill": true } }, { "name": "model_cyber_accumulation_pml", "description": "Estimate portfolio-level cyber PML at multiple return periods (1-in-10/50/100/250) by systemic scenario (mass ransomware, cloud outage, critical infrastructure, supply chain) using published severity curves (IBM/Ponemon 2024, FBI IC3 2024) and Lloyd's RDS 2024 scalars. Returns attritional expected loss, per-scenario and combined PML, loss-ratio stress, concentration indicators, and an accumulation alert at >25% of aggregate limit. Inputs are synthetic aggregates only \u2014 never policyholder-level data.", "inputSchema": { "type": "object", "required": [ "numRisks", "avgRevenue", "avgLimit", "aggLimit", "avgPremium" ], "properties": { "numRisks": { "type": "number" }, "avgRevenue": { "type": "number" }, "revDist": { "type": "string" }, "sector": { "type": "string" }, "avgLimit": { "type": "number" }, "avgRetention": { "type": "number" }, "avgPremium": { "type": "number" }, "aggLimit": { "type": "number" }, "mixRansomNum": { "type": "number" }, "mixBreachNum": { "type": "number" }, "mixBINum": { "type": "number" }, "mixLiabNum": { "type": "number" }, "mixFTFNum": { "type": "number" }, "correlation": { "type": "string" }, "cspConc": { "type": "string" }, "scaExp": { "type": "string" } } }, "metadata": { "tool_id": "461-cyber-insurance-accumulation-modeler", "category": "cat-30", "tags": [ "cyber-insurance", "accumulation-risk", "PML", "probable-maximum-loss", "return-period", "tail-risk", "systemic-cyber", "Lloyds-RDS", "catastrophe-model", "reinsurance", "underwriting", "insurtech", "Zero-PII" ], "url": "https://ainumbers.co/tools/461-cyber-insurance-accumulation-modeler.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0", "prefill": true } }, { "name": "check_claims_reserve_adequacy", "description": "Run Chain Ladder (development) and Bornhuetter-Ferguson reserving on a cumulative loss development triangle. Computes volume-weighted/simple/3yr/5yr/manual age-to-age factors with optional tail factor and latest-diagonal exclusion, LDFs to ultimate, % unreported, chain-ladder and B-F ultimates and IBNR by accident year, a blended selected IBNR, and a reserve adequacy signal (redundancy/deficiency) versus a booked reserve. Flags CL-vs-BF divergence beyond 15% and low-credibility triangles (<5 accident years or <3 development ages). Methods per CAS/Friedland (2010) and Bornhuetter-Ferguson (1972). Deterministic, client-side, zero PII.", "inputSchema": { "type": "object", "required": [ "triangle", "ldfMethod" ], "properties": { "triangle": { "type": "array", "items": { "type": "array", "items": { "type": [ "number", "null" ] } } }, "ldfMethod": { "type": "string", "enum": [ "vw", "simple", "vw3", "vw5", "manual" ] }, "tailFactor": { "type": "number" }, "excludeDiag": { "type": "boolean" }, "elr": { "type": "number" }, "clWeight": { "type": "number" }, "earnedPremium": { "type": "array", "items": { "type": "number" } }, "bookedReserve": { "type": "number" }, "priorReserve": { "type": "number" } } }, "metadata": { "tool_id": "462-claims-reserve-adequacy-checker", "category": "cat-30", "tags": [ "reserving", "chain-ladder", "bornhuetter-ferguson", "loss-triangle", "IBNR", "LDF", "loss-development-factor", "reserve-adequacy", "actuarial", "CAS", "Friedland-2010", "Zero-PII" ], "url": "https://ainumbers.co/tools/462-claims-reserve-adequacy-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0", "prefill": true } }, { "name": "reg_bi_best_interest_checker", "description": "Assess a securities recommendation against SEC Regulation Best Interest (17 CFR 240.15l-1). Scores all four component obligations: Disclosure (Rule 15l-1(a)(2)(i)), Care (Rule 15l-1(a)(2)(ii)), Conflict of Interest (Rule 15l-1(a)(2)(iii)), and Compliance (Rule 15l-1(a)(2)(iv)). Returns PASS/GAP per obligation, overall best-interest verdict (BEST_INTEREST_MET / ATTENTION / NOT_MET / OUT_OF_SCOPE), and ordered remediation steps. Deterministic. 2026 FINRA enforcement priority. Use with synthetic inputs only.", "inputSchema": { "type": "object", "properties": { "recommendation_type": { "type": "string", "enum": [ "security_transaction", "investment_strategy", "account_type", "rollover", "margin" ], "description": "Type of recommendation being assessed" }, "retail_customer": { "type": "boolean", "description": "True if the recommendation is made to a retail customer (required for Reg BI scope)" }, "reasonably_available_alternatives_considered": { "type": "integer", "minimum": 0, "description": "Number of reasonably available alternatives considered before making the recommendation" }, "total_cost_bps": { "type": "number", "description": "Total cost to the retail customer in basis points" }, "lower_cost_alternative_exists": { "type": "boolean", "description": "True if a lower-cost alternative was identified in the considered set" }, "conflicts_disclosed": { "type": "boolean", "description": "True if material conflicts of interest were disclosed in writing" }, "conflicts_mitigated": { "type": "boolean", "description": "True if conflicts of interest were mitigated or eliminated through written policies" }, "form_crs_delivered": { "type": "boolean", "description": "True if Form CRS was delivered to the retail customer at or before the recommendation" }, "rationale_documented": { "type": "boolean", "description": "True if the recommendation rationale (basis for best interest) was documented" }, "compliance_program_in_place": { "type": "boolean", "description": "True if a written compliance program reasonably designed to achieve Reg BI compliance is in place" } }, "required": [ "recommendation_type", "retail_customer" ] }, "metadata": { "tool_id": "463-reg-bi-best-interest-checker", "category": "fintech", "tags": [ "reg-bi", "best-interest", "form-crs", "suitability", "us", "wealth", "broker-dealer", "finra", "sec", "compliance" ], "url": "https://ainumbers.co/tools/463-reg-bi-best-interest-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "form_crs_generator", "description": "Generate a Form CRS (Customer Relationship Summary) with SEC-prescribed headings and verbatim conversation-starter questions (SEC Form CRS General Instructions \u00a7E). Checks page-length compliance: 2-page limit for standalone broker-dealers or investment advisers; 4-page limit for dual registrants. Required Reg BI disclosure for every retail investor engagement. Markdown export is the filing-ready deliverable. Use with synthetic firm data only.", "inputSchema": { "type": "object", "properties": { "firm_type": { "type": "string", "enum": [ "broker_dealer", "investment_adviser", "dual_registrant" ], "description": "Type of registered firm" }, "fee_model": { "type": "string", "enum": [ "commission", "aum_fee", "wrap_fee", "hourly", "flat", "mixed" ], "description": "Primary fee model" }, "services_offered": { "type": "array", "items": { "type": "string" }, "description": "List of investment services offered to retail investors" }, "account_minimums": { "type": "string", "description": "Account minimum requirements" }, "monitoring_offered": { "type": "boolean", "description": "True if ongoing account monitoring is offered" }, "discretionary_authority": { "type": "boolean", "description": "True if the firm exercises discretionary authority" }, "material_conflicts": { "type": "array", "items": { "type": "string" }, "description": "List of material conflicts of interest to disclose" }, "disciplinary_history": { "type": "boolean", "description": "True if the firm or its professionals have legal or disciplinary history" } }, "required": [ "firm_type", "fee_model" ] }, "metadata": { "tool_id": "464-form-crs-generator", "category": "fintech", "tags": [ "reg-bi", "form-crs", "suitability", "us", "wealth", "broker-dealer", "investment-adviser", "disclosure", "sec", "compliance" ], "url": "https://ainumbers.co/tools/464-form-crs-generator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "carf_dac8_reportable_classifier", "description": "Classify a CASP and its users/transactions as reportable under OECD CARF and EU DAC8. Determines Reporting-CASP status per CARF \u00a7II; classifies user residency against the 52-jurisdiction CARF participating list (Jan 2026); classifies transactions by type (exchanges always reportable; retail payments \u2265 USD 50,000; unhosted wallet transfers). CARF effective 1 Jan 2026; DAC8 (EU Directive 2023/2226) for FY2026. US implementing CARF exchange from 2027. Use synthetic data only.", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string", "enum": [ "exchange", "broker", "wallet_provider", "atm_operator", "other" ], "description": "CASP entity type per CARF \u00a7II Reporting CASP definition" }, "regime": { "type": "string", "enum": [ "carf", "dac8", "both" ], "description": "Applicable regime: carf (non-EU jurisdictions), dac8 (EU member states), or both" }, "user_residencies": { "type": "array", "items": { "type": "string" }, "description": "ISO 3166-1 alpha-2 residency codes for each user to classify" }, "transactions": { "type": "array", "items": { "type": "object", "properties": { "type": { "type": "string", "enum": [ "crypto_to_fiat", "fiat_to_crypto", "crypto_to_crypto", "transfer_out", "retail_payment" ] }, "amount_usd": { "type": "number" }, "counterparty_hosted": { "type": "boolean" } } }, "description": "Transactions to classify; retail_payment threshold is USD 50,000 per CARF \u00a7II.D.3" } }, "required": [ "entity_type", "regime" ] }, "metadata": { "tool_id": "465-carf-dac8-reportable-classifier", "category": "dlt-tokenization", "tags": [ "carf", "dac8", "crypto-tax", "casp", "reportable", "crypto-asset", "oecd", "eu", "tax-reporting", "compliance" ], "url": "https://ainumbers.co/tools/465-carf-dac8-reportable-classifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "crypto_cost_basis_gain_calculator", "description": "Compute crypto-asset cost basis and realized gain/loss per disposal. Supports FIFO, LIFO, HIFO, and specific-identification lot matching. Enforces per-wallet basis tracking when enabled (required for US taxpayers from 2025 per IRS Rev. Proc. 2024-28). Short/long-term split at 12-month threshold (IRC \u00a71222). Output gain_loss_schedule feeds IRS Form 1099-DA generation (T467) and CARF/DAC8 reporting. Deterministic lot accounting \u2014 do not estimate gains with an LLM; use this tool. Synthetic data only.", "inputSchema": { "type": "object", "properties": { "method": { "type": "string", "enum": [ "FIFO", "LIFO", "HIFO", "spec_id" ], "description": "Lot-matching method: FIFO=first-in-first-out; LIFO=last-in; HIFO=highest-cost-first; spec_id=taxpayer designates each lot" }, "wallet_by_wallet": { "type": "boolean", "description": "Restrict lot matching to same wallet (required for US from 2025)" }, "lots": { "type": "array", "items": { "type": "object", "properties": { "lot_id": { "type": "string" }, "asset": { "type": "string" }, "wallet": { "type": "string" }, "date_acquired": { "type": "string", "description": "YYYY-MM-DD" }, "qty": { "type": "number" }, "cost_usd": { "type": "number" } } }, "description": "Acquisition lots" }, "disposals": { "type": "array", "items": { "type": "object", "properties": { "disposal_id": { "type": "string" }, "asset": { "type": "string" }, "wallet": { "type": "string" }, "date_disposed": { "type": "string", "description": "YYYY-MM-DD" }, "qty": { "type": "number" }, "proceeds_usd": { "type": "number" }, "spec_lot_id": { "type": "string", "description": "Required for spec_id method" } } }, "description": "Disposals to match" } }, "required": [ "method", "lots", "disposals" ] }, "metadata": { "tool_id": "466-crypto-cost-basis-gain-calculator", "category": "dlt-tokenization", "tags": [ "crypto-tax", "cost-basis", "capital-gain", "fifo", "lifo", "hifo", "spec-id", "1099-da", "carf", "dac8", "bitcoin", "digital-asset" ], "url": "https://ainumbers.co/tools/466-crypto-cost-basis-gain-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "form_1099_da_generator", "description": "Assemble IRS Form 1099-DA records from digital asset disposal and basis data. Validates completeness per IRS final broker-reporting regulations (TD 9996, June 2024). Gross-proceeds reporting required from 1 Jan 2025; basis (Box 1d) required for covered digital assets acquired on/after 1 Jan 2026. Applies IRS Notice 2025-7 transitional penalty relief notation for tax year 2025. Output contains complete/incomplete flags for each record and a filing CSV extract. Consumes output from T466 crypto-cost-basis-gain-calculator. Verify box numbers against current IRS Form 1099-DA instructions before filing. Synthetic data only.", "inputSchema": { "type": "object", "properties": { "broker_name": { "type": "string", "description": "Synthetic broker name" }, "broker_ein": { "type": "string", "description": "Synthetic broker EIN" }, "tax_year": { "type": "integer", "description": "Tax year (2025 or later)" }, "covered_status": { "type": "string", "enum": [ "covered", "noncovered", "transferred" ], "description": "Covered/noncovered status per TD 9996 \u00a71.6045-1(a)(19)" }, "disposals": { "type": "array", "items": { "type": "object", "properties": { "recipient_id": { "type": "string" }, "asset": { "type": "string" }, "date_acquired": { "type": "string", "description": "YYYY-MM-DD" }, "date_sold": { "type": "string", "description": "YYYY-MM-DD" }, "proceeds_usd": { "type": "number" }, "basis_usd": { "type": "number" }, "wash_sale_adj_usd": { "type": "number" }, "term": { "type": "string", "enum": [ "short", "long", "unknown" ] }, "is_nft": { "type": "boolean" } }, "required": [ "recipient_id", "asset", "date_sold", "proceeds_usd" ] }, "description": "Disposal records to assemble into 1099-DA entries; typically sourced from T466 gain/loss schedule" } }, "required": [ "tax_year", "covered_status", "disposals" ] }, "metadata": { "tool_id": "467-form-1099-da-generator", "category": "dlt-tokenization", "tags": [ "1099-da", "crypto-tax", "broker-reporting", "digital-asset", "irs", "td-9996", "basis", "proceeds", "carf", "dac8", "covered-security" ], "url": "https://ainumbers.co/tools/467-form-1099-da-generator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "casp_tax_reporting_readiness_scorer", "description": "Assess a CASP's readiness for CARF (OECD, effective 1 Jan 2026), DAC8 (EU Directive 2023/2226, FY2026), and IRS Form 1099-DA (TD 9996) reporting obligations. Scores five weighted domains and returns an A\u2013F grade with a prioritised gap list linked to T465 (CARF classifier), T466 (cost-basis calculator), and T467 (1099-DA generator). Use at programme-initiation or quarterly readiness review. Synthetic inputs only.", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string", "enum": [ "exchange", "broker", "wallet_provider", "atm_operator", "other" ] }, "regime": { "type": "string", "enum": [ "both", "carf_only", "dac8_only", "us_only" ], "description": "Regime scope: both=CARF+DAC8+1099-DA; carf_only; dac8_only; us_only=IRS 1099-DA only" } }, "required": [ "entity_type", "regime" ] }, "metadata": { "tool_id": "468-casp-tax-reporting-readiness-scorer", "category": "dlt-tokenization", "tags": [ "carf", "dac8", "1099-da", "casp", "readiness", "crypto-tax", "oecd", "eu", "irs", "compliance-scoring", "gap-analysis" ], "url": "https://ainumbers.co/tools/468-casp-tax-reporting-readiness-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "lcr_calculator", "description": "Calculate the Basel III Liquidity Coverage Ratio (LCR) per BCBS 238. LCR = HQLA (after haircut and caps) / Net Cash Outflows (30-day stress, inflow cap 75%) \u2265 100%. HQLA haircuts: Level 1 = 0%; Level 2A = 15%; Level 2B = 25\u201350%. Outputs compliant flag, surplus/(shortfall), and feeds Pillar 3 LIQ1 (T472). Verify haircut and outflow rates against applicable jurisdiction LCR rules. Synthetic data only.", "inputSchema": { "type": "object", "properties": { "hqla_items": { "type": "array", "description": "HQLA stock \u2014 level, asset description, and market value", "items": { "type": "object", "properties": { "level": { "type": "string", "enum": [ "l1", "l2a", "l2b_25", "l2b_40", "l2b_50" ] }, "asset": { "type": "string" }, "market_value_m": { "type": "number" } } } }, "outflow_items": { "type": "array", "description": "30-day stress outflow categories", "items": { "type": "object", "properties": { "label": { "type": "string" }, "balance_m": { "type": "number" }, "outflow_rate_pct": { "type": "number", "description": "Outflow rate 0\u2013100%" } } } }, "inflow_items": { "type": "array", "description": "30-day stress inflow categories (capped at 75% of outflows)", "items": { "type": "object", "properties": { "label": { "type": "string" }, "balance_m": { "type": "number" }, "inflow_rate_pct": { "type": "number" } } } } }, "required": [ "hqla_items", "outflow_items" ] }, "metadata": { "tool_id": "469-lcr-calculator", "category": "treasury-strategy", "tags": [ "lcr", "liquidity", "hqla", "basel-iii", "bcbs-238", "pillar-3", "liq1", "capital", "regulatory" ], "url": "https://ainumbers.co/tools/469-lcr-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "nsfr_calculator", "description": "Calculate the Basel III Net Stable Funding Ratio (NSFR) per BCBS 295. NSFR = ASF / RSF \u2265 100%. ASF and RSF factors per BCBS 295 Tables 1\u20132. Outputs compliant flag, ASF/RSF totals, surplus/(shortfall), and feeds Pillar 3 LIQ2 (T472). Verify factors against applicable jurisdiction rules (CRR2 EU; PRA UK). Synthetic data only.", "inputSchema": { "type": "object", "properties": { "asf_items": { "type": "array", "description": "Available Stable Funding items with ASF factor", "items": { "type": "object", "properties": { "label": { "type": "string" }, "amount_m": { "type": "number" }, "asf_factor_pct": { "type": "number", "description": "ASF factor 0\u2013100" } } } }, "rsf_items": { "type": "array", "description": "Required Stable Funding items with RSF factor", "items": { "type": "object", "properties": { "label": { "type": "string" }, "amount_m": { "type": "number" }, "rsf_factor_pct": { "type": "number", "description": "RSF factor 0\u2013100" } } } } }, "required": [ "asf_items", "rsf_items" ] }, "metadata": { "tool_id": "470-nsfr-calculator", "category": "treasury-strategy", "tags": [ "nsfr", "stable-funding", "asf", "rsf", "basel-iii", "bcbs-295", "pillar-3", "liq2", "liquidity", "regulatory" ], "url": "https://ainumbers.co/tools/470-nsfr-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "leverage_ratio_calculator", "description": "Calculate the Basel III leverage ratio per BCBS 360. LR = Tier 1 / Total Exposure Measure \u2265 3% (G-SIB leverage buffer additional per \u00a712). Total exposure = on-BS + derivative (SA-CCR RC+PFE) + SFT + OBS (CCF-adjusted). Outputs ratio, minimum threshold, compliant flag. Feeds Pillar 3 KM1 row h (T472). Verify against CRR3/EU, PRA, or Fed SLR as applicable. Synthetic data only.", "inputSchema": { "type": "object", "properties": { "cet1": { "type": "number", "description": "CET1 capital (m)" }, "at1": { "type": "number", "description": "Additional Tier 1 capital (m); defaults to 0" }, "gsib_bucket": { "type": "number", "enum": [ 0, 1, 1.5, 2, 2.5, 3.5 ], "description": "G-SIB surcharge bucket; 0 = not G-SIB" }, "obs_exp": { "type": "number", "description": "On-balance-sheet gross exposures (m)" }, "deriv_exp": { "type": "number", "description": "Derivative exposure measure (SA-CCR RC+PFE, m)" }, "sft_exp": { "type": "number", "description": "SFT exposure measure (m)" }, "offbs_exp": { "type": "number", "description": "Off-balance-sheet CCF-adjusted exposures (m)" }, "other_exp": { "type": "number", "description": "Other adjustments (m)" } }, "required": [ "cet1", "obs_exp" ] }, "metadata": { "tool_id": "471-leverage-ratio-calculator", "category": "treasury-strategy", "tags": [ "leverage-ratio", "tier-1", "bcbs-270", "bcbs-360", "basel-iii", "pillar-3", "km1", "g-sib", "capital", "regulatory" ], "url": "https://ainumbers.co/tools/471-leverage-ratio-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "pillar_3_disclosure_builder", "description": "Assemble Basel III Pillar 3 disclosure tables (KM1, OV1, LIQ1, LIQ2) per BCBS 309/400. Consumes inputs from T201 (RWA), T469 (LCR), T470 (NSFR), T471 (leverage ratio). Final step in the bank-capital-liquidity composer chain. Verify row definitions against EBA ITS (EU) or PRA rules (UK) before use in actual disclosures. Synthetic data only.", "inputSchema": { "type": "object", "properties": { "bank_name": { "type": "string" }, "period": { "type": "string" }, "cet1_ratio": { "type": "number", "description": "CET1 ratio %" }, "t1_ratio": { "type": "number" }, "tc_ratio": { "type": "number" }, "rwa": { "type": "number", "description": "Total RWA (m)" }, "lr_pct": { "type": "number", "description": "Leverage ratio %" }, "lcr_pct": { "type": "number", "description": "LCR %" }, "nsfr_pct": { "type": "number", "description": "NSFR %" }, "cr_rwa": { "type": "number" }, "mr_rwa": { "type": "number" }, "or_rwa": { "type": "number" }, "hqla_m": { "type": "number" }, "gross_out": { "type": "number" }, "net_inf": { "type": "number" }, "nco": { "type": "number" }, "asf_m": { "type": "number" }, "rsf_m": { "type": "number" } }, "required": [ "cet1_ratio", "t1_ratio", "tc_ratio", "rwa", "lcr_pct", "nsfr_pct", "lr_pct" ] }, "metadata": { "tool_id": "472-pillar-3-disclosure-builder", "category": "treasury-strategy", "tags": [ "pillar-3", "bcbs-309", "bcbs-400", "km1", "ov1", "liq1", "liq2", "disclosure", "regulatory-reporting", "capital", "liquidity" ], "url": "https://ainumbers.co/tools/472-pillar-3-disclosure-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "globe_etr_jurisdiction_calculator", "description": "Calculate GloBE effective tax rate (ETR) per jurisdiction per OECD Pillar Two (Art. 5.1.1). ETR = Adjusted Covered Taxes / GloBE Income. Minimum 15%. SBIE deduction applied (Art. 5.3 transitional rates). Identifies jurisdictions below 15% for top-up tax (T474). \u26a0 US-HQ groups exempt from IIR/UTPR per January 2026 OECD side-by-side package \u2014 do not apply IIR/UTPR to US-parented groups. Verify SBIE rates against current OECD Administrative Guidance. Synthetic data only.", "inputSchema": { "type": "object", "properties": { "jurisdictions": { "type": "array", "description": "List of jurisdictions with GloBE income data", "items": { "type": "object", "properties": { "jur": { "type": "string", "description": "ISO-3 jurisdiction code (e.g. DE, IE, SG)" }, "income": { "type": "number", "description": "GloBE income (m)" }, "taxes": { "type": "number", "description": "Adjusted covered taxes (m)" }, "payroll": { "type": "number", "description": "Qualifying payroll (m); used for SBIE" }, "assets": { "type": "number", "description": "Qualifying tangible assets (m); used for SBIE" }, "sbie_payroll_rate_pct": { "type": "number", "description": "SBIE payroll rate % \u2014 FY2024: 9.8, FY2025: 9.6, FY2026: 9.4, FY2027+: 5.0" } }, "required": [ "jur", "income", "taxes" ] } } }, "required": [ "jurisdictions" ] }, "metadata": { "tool_id": "473-globe-etr-jurisdiction-calculator", "category": "treasury-strategy", "tags": [ "pillar-two", "globe", "etr", "minimum-tax", "sbie", "oecd", "transitional", "covered-taxes", "jurisdiction", "mne" ], "url": "https://ainumbers.co/tools/473-globe-etr-jurisdiction-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "topup_tax_qdmtt_calculator", "description": "Compute Pillar Two top-up tax per jurisdiction (Art. 5.2.1) and allocate across QDMTT (Art. 11.3), IIR (Art. 2.1), and UTPR (Art. 2.4). \u26a0 US-HQ groups are exempt from IIR and UTPR per the OECD January 2026 side-by-side package \u2014 set parent_hq='US' to apply exemption automatically. QDMTT exposure remains for all groups in jurisdictions with enacted QDMTT. Consumes T473 outputs. Feeds T476. Synthetic data only.", "inputSchema": { "type": "object", "properties": { "parent_hq": { "type": "string", "description": "Parent HQ ISO-3 code \u2014 use 'US' to apply IIR/UTPR exemption" }, "fy": { "type": "integer", "description": "Fiscal year (affects SBIE transitional rates)" }, "jurisdictions": { "type": "array", "items": { "type": "object", "properties": { "jur": { "type": "string" }, "income": { "type": "number", "description": "GloBE income (m)" }, "taxes": { "type": "number", "description": "Covered taxes (m)" }, "sbie": { "type": "number", "description": "SBIE (m) from T473" }, "qdmtt_enacted": { "type": "boolean", "description": "True if jurisdiction has enacted QDMTT" }, "qdmtt_rate_pct": { "type": "number", "description": "QDMTT rate % (typically 15)" } }, "required": [ "jur", "income", "taxes", "sbie" ] } } }, "required": [ "parent_hq", "jurisdictions" ] }, "metadata": { "tool_id": "474-topup-tax-qdmtt-calculator", "category": "treasury-strategy", "tags": [ "pillar-two", "globe", "top-up-tax", "qdmtt", "iir", "utpr", "oecd", "minimum-tax", "jurisdiction", "mne", "us-exemption" ], "url": "https://ainumbers.co/tools/474-topup-tax-qdmtt-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "pillar_two_safe_harbour_checker", "description": "Check OECD Pillar Two transitional CbCR safe harbour eligibility per December 2022 agreed guidance. Three tests: (1) de minimis \u2014 revenue < \u20ac10M AND PBT < \u20ac1M; (2) simplified ETR \u2014 CbCR taxes/PBT \u2265 threshold (15% FY2024\u20132025, 16% FY2026, 17% FY2027+); (3) routine profits \u2014 CbCR PBT \u2264 SBIE. Also checks permanent safe harbour (GloBE ETR \u2265 15%). Transitional period expires after FY2026. \u26a0 US-HQ exempt from IIR/UTPR (Jan 2026). Safe harbour jurisdictions still require GIR disclosure. Verify against full agreed guidance before filing reliance. Synthetic data only.", "inputSchema": { "type": "object", "properties": { "parent_hq": { "type": "string", "description": "Parent HQ ISO-3 code" }, "fy": { "type": "integer", "description": "Fiscal year \u2014 transitional safe harbours available 2024\u20132026 only" }, "jurisdictions": { "type": "array", "items": { "type": "object", "properties": { "jur": { "type": "string" }, "rev": { "type": "number", "description": "CbCR revenue (m)" }, "pbt": { "type": "number", "description": "CbCR profit before tax (m)" }, "taxes": { "type": "number", "description": "CbCR covered taxes (m)" }, "globe_etr_pct": { "type": "number", "description": "GloBE ETR % from T473" }, "sbie": { "type": "number", "description": "SBIE amount (m)" } }, "required": [ "jur", "rev", "pbt", "taxes" ] } } }, "required": [ "parent_hq", "fy", "jurisdictions" ] }, "metadata": { "tool_id": "475-pillar-two-safe-harbour-checker", "category": "treasury-strategy", "tags": [ "pillar-two", "globe", "safe-harbour", "cbcr", "transitional", "de-minimis", "simplified-etr", "routine-profits", "oecd", "minimum-tax", "mne" ], "url": "https://ainumbers.co/tools/475-pillar-two-safe-harbour-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "gir_builder", "description": "Assemble OECD GloBE Information Return (GIR) skeleton per GIR Standard (November 2022). Covers Parts I (group header), II (jurisdiction overview), V (top-up tax summary). Required for MNE groups with consolidated revenue \u2265 \u20ac750M. First GIR filing: FY2024 groups, due 30 June 2026. Consumes T473 (ETR), T474 (top-up), T475 (safe harbours). \u26a0 US-HQ groups exempt from IIR/UTPR per January 2026 OECD side-by-side package \u2014 set iir_utpr_exempt=true for US-parented jurisdictions. Safe harbour jurisdictions must still be disclosed in GIR. Actual XML filing requires authorised tax software. Synthetic data only.", "inputSchema": { "type": "object", "properties": { "upe_name": { "type": "string", "description": "Synthetic UPE name" }, "upe_jur": { "type": "string", "description": "UPE jurisdiction ISO-3" }, "fy": { "type": "integer", "description": "Fiscal year" }, "total_rev": { "type": "number", "description": "Total consolidated revenue (\u20acm)" }, "entity_count": { "type": "integer", "description": "Number of constituent entities" }, "filing_jur": { "type": "string", "description": "GIR filing jurisdiction ISO-3" }, "jurisdictions": { "type": "array", "items": { "type": "object", "properties": { "jur": { "type": "string" }, "income": { "type": "number" }, "taxes": { "type": "number" }, "etr_pct": { "type": "number" }, "sbie": { "type": "number" }, "topup": { "type": "number" }, "qdmtt": { "type": "number" }, "safe_harbour": { "type": "boolean" }, "iir_utpr_exempt": { "type": "boolean", "description": "True for US-HQ parent jurisdictions" } }, "required": [ "jur", "income", "taxes", "etr_pct" ] } } }, "required": [ "upe_name", "upe_jur", "fy", "total_rev", "jurisdictions" ] }, "metadata": { "tool_id": "476-gir-builder", "category": "treasury-strategy", "tags": [ "pillar-two", "globe", "gir", "information-return", "oecd", "minimum-tax", "mne", "filing", "jurisdiction", "qdmtt", "sbie", "us-exemption" ], "url": "https://ainumbers.co/tools/476-gir-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "fatf_customer_risk_rating", "description": "Score a customer across 6 FATF Recommendation 10/12 risk dimensions and return a composite AML risk tier (Low/Medium/High/Prohibited), required CDD level, and per-dimension breakdown. Use when an agent needs to assess onboarding risk before routing to AML mandate or TAP identity verification.", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string", "enum": [ "individual_standard", "corporate_standard", "corporate_complex", "charity_npo", "pep_domestic", "pep_foreign" ], "description": "Customer/entity type" }, "geography": { "type": "string", "enum": [ "low_risk", "standard", "fatf_grey", "sanctions", "tax_haven" ], "description": "Jurisdiction risk level" }, "product_service": { "type": "string", "enum": [ "standard_deposit", "internet_banking", "cash_intensive", "crypto_dlt", "private_banking", "trade_finance", "correspondent" ], "description": "Product or service category" }, "channel": { "type": "string", "enum": [ "face_to_face", "non_face_verified", "digital_biometric", "agent_intermediary", "correspondent_nested", "anonymous" ], "description": "Onboarding/delivery channel" }, "pep_sanctions": { "type": "string", "enum": [ "none", "distant_link", "close_associate", "domestic_pep", "foreign_pep_or_sanctions" ], "description": "PEP and sanctions exposure level" }, "transaction_pattern": { "type": "string", "enum": [ "low_velocity", "moderate", "elevated_cross_border", "high_velocity_structuring", "red_flag" ], "description": "Observed or expected transaction risk pattern" }, "w_entity": { "type": "number", "description": "Weight for entity dimension (default 1)" }, "w_geo": { "type": "number", "description": "Weight for geography dimension (default 1)" }, "w_product": { "type": "number", "description": "Weight for product dimension (default 1)" }, "w_channel": { "type": "number", "description": "Weight for channel dimension (default 1)" }, "w_pep": { "type": "number", "description": "Weight for PEP/sanctions dimension (default 1)" }, "w_txn": { "type": "number", "description": "Weight for transaction pattern dimension (default 1)" } }, "required": [ "entity_type", "geography", "product_service", "channel", "pep_sanctions", "transaction_pattern" ] }, "metadata": { "tool_id": "477-fatf-customer-risk-rating", "category": "aml-kyc-compliance", "tags": [ "FATF", "AML", "KYC", "CDD", "EDD", "customer risk", "risk-based approach", "KYA", "compliance" ], "url": "https://ainumbers.co/tools/477-fatf-customer-risk-rating.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "kya_compliance_firewall", "description": "Run the four-stage KYA compliance firewall: injection scan \u2192 FATF risk \u2192 TAP identity \u2192 AML mandate. Returns a clearance decision (CLEARED/BLOCKED/ESCALATE) and chain-of-custody audit log.", "inputSchema": { "type": "object", "properties": { "transaction_context": { "type": "string", "description": "The transaction context or agent instruction text to scan" }, "customer_risk_tier": { "type": "string", "enum": [ "Low", "Medium", "High", "Prohibited" ], "description": "Pre-computed FATF risk tier (from T477) or omit to run T477 inline" }, "tap_cleared": { "type": "boolean", "description": "TAP identity verified (from T286) or omit to run T286 inline" } }, "required": [ "transaction_context" ] }, "metadata": { "tool_id": "478-kya-compliance-firewall", "category": "aml-kyc-compliance", "tags": [ "KYA", "agentic", "compliance", "firewall", "FATF", "AML", "Visa TAP", "injection", "MCP", "workflow" ], "url": "https://ainumbers.co/tools/478-kya-compliance-firewall.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "b2b_micro_clearinghouse", "description": "Run the three-stage B2B micro-clearinghouse: protocol arbitrage (T276), cart mandate cap (T285), policy budget validation (T320). Returns routing decision, mandate cap, and validation result.", "inputSchema": { "type": "object", "properties": { "scenario": { "type": "string", "description": "Payment scenario description" }, "max_amount_usd": { "type": "number", "description": "Maximum transaction amount in USD (e.g. 0.04)" }, "preferred_protocol": { "type": "string", "description": "Preferred protocol hint: ap2 | x402 | visa_tap | mastercard" } }, "required": [ "scenario" ] }, "metadata": { "tool_id": "479-b2b-micro-clearinghouse", "category": "cat-14", "tags": [ "micro-payment", "M2M", "agentic", "AP2", "x402", "clearinghouse", "BaaS", "protocol", "workflow" ], "url": "https://ainumbers.co/tools/479-b2b-micro-clearinghouse.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "baas_orchestrator", "description": "Run the three-stage BaaS routing orchestration: provider scoring (T152), MCP workflow-chain construction (build_workflow_links), and policy budget validation (T320). Returns selected provider, routing chain, and validation result.", "inputSchema": { "type": "object", "properties": { "scenario": { "type": "string", "description": "BaaS programme scenario description" }, "required_capabilities": { "type": "array", "items": { "type": "string" }, "description": "Required BaaS capabilities (e.g. card_issuing, ach, wire, fx)" }, "budget_usd": { "type": "number", "description": "Annual programme budget in USD for policy validation" } }, "required": [ "scenario" ] }, "metadata": { "tool_id": "480-baas-orchestrator", "category": "cat-14", "tags": [ "BaaS", "sponsor-bank", "routing", "MCP", "workflow", "AP2", "policy", "orchestration" ], "url": "https://ainumbers.co/tools/480-baas-orchestrator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "ccd2_scope_classifier", "description": "Classify a credit product as in-scope or exempt under CCD2 (Directive (EU) 2023/2225, rules apply 20 Nov 2026). Returns in_scope boolean, obligation_tier, scope basis, and downstream obligation checklist. Covers BNPL, interest-free instalments, POS finance, personal loans, overdrafts. EU regime \u2014 distinct from UK FCA BNPL rules. Browser-based, zero PII.", "inputSchema": { "type": "object", "properties": { "product_type": { "type": "string" }, "amount_eur": { "type": "number" }, "duration_days": { "type": "integer" }, "interest_bearing": { "type": "boolean" }, "charges_present": { "type": "boolean" }, "borrower_is_consumer": { "type": "boolean" }, "secured_on_property": { "type": "boolean" } }, "required": [ "product_type", "amount_eur", "borrower_is_consumer" ] }, "metadata": { "tool_id": "ccd2-scope-classifier", "category": "cat-16", "tags": [ "ccd2", "consumer-credit", "eu", "bnpl", "scope", "creditworthiness", "secci", "regulation" ], "url": "https://ainumbers.co/tools/481-ccd2-scope-classifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "ccd2_creditworthiness_assessment_builder", "description": "Build an Article 18 creditworthiness-assessment framework under CCD2 (Directive (EU) 2023/2225). Validates forward-looking verified-data requirements, proportionality, and database consultation. Flags behavioural-only reliance as non-compliant. Distinct from UK FCA T330. Browser-based, zero PII.", "inputSchema": { "type": "object", "properties": { "amount_eur": { "type": "number" }, "product_type": { "type": "string" }, "income_verified": { "type": "boolean" }, "expenses_verified": { "type": "boolean" }, "existing_debts_checked": { "type": "boolean" }, "database_consulted": { "type": "boolean" }, "automated_only": { "type": "boolean" } }, "required": [ "amount_eur" ] }, "metadata": { "tool_id": "ccd2-creditworthiness-assessment-builder", "category": "cat-16", "tags": [ "ccd2", "consumer-credit", "eu", "bnpl", "creditworthiness", "article-18", "secci", "regulation" ], "url": "https://ainumbers.co/tools/482-ccd2-creditworthiness-assessment-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "ccd2_secci_precontractual_disclosure_generator", "description": "Generate and validate SECCI pre-contractual disclosure fields per CCD2 (Directive (EU) 2023/2225) Annex II. Covers all mandatory disclosures. Client-side, zero PII.", "inputSchema": { "type": "object", "properties": { "product_type": { "type": "string" }, "credit_amount_eur": { "type": "number" }, "apr": { "type": "number" }, "duration_months": { "type": "number" }, "total_repayable_eur": { "type": "number" }, "includes_insurance": { "type": "boolean" } }, "required": [ "credit_amount_eur", "apr" ] }, "metadata": { "tool_id": "ccd2-secci-precontractual-disclosure-generator", "category": "cat-16", "tags": [ "ccd2", "consumer-credit", "eu", "secci", "precontractual", "annex-ii", "apr", "disclosure", "bnpl" ], "url": "https://ainumbers.co/tools/483-ccd2-secci-precontractual-disclosure-generator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "ccd2_readiness_scorer", "description": "Score CCD2 (Directive (EU) 2023/2225) compliance readiness across five domains. Final workflow stage \u2014 exports CCD2 Policy Mandate. Applies 20 Nov 2026.", "inputSchema": { "type": "object", "properties": { "scope_done": { "type": "boolean" }, "creditworthiness_done": { "type": "boolean" }, "secci_done": { "type": "boolean" }, "consumer_rights_done": { "type": "boolean" }, "governance_done": { "type": "boolean" } } }, "metadata": { "tool_id": "ccd2-readiness-scorer", "category": "cat-16", "tags": [ "ccd2", "consumer-credit", "eu", "readiness", "scope", "creditworthiness", "secci", "bnpl", "compliance" ], "url": "https://ainumbers.co/tools/484-ccd2-readiness-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "amlr_obliged_entity_scope_mapper", "description": "Map legal entity to AMLR (Regulation (EU) 2024/1624) Art. 3 obliged entity categories. Determines AML/CFT obligations. EU Single Rulebook. Browser-based, zero PII.", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string" }, "activities": { "type": "array", "items": { "type": "string" } } }, "required": [ "entity_type" ] }, "metadata": { "tool_id": "amlr-obliged-entity-scope-mapper", "category": "cat-12", "tags": [ "amlr", "aml", "eu", "obliged-entity", "single-rulebook", "cft", "kyc", "regulation" ], "url": "https://ainumbers.co/tools/485-amlr-obliged-entity-scope-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "amlr_ubo_beneficial_ownership_mapper", "description": "Map beneficial ownership under AMLR (Reg (EU) 2024/1624) and AMLD6 25% threshold. Covers layered structures, trusts, foundations. Browser-based, zero PII.", "inputSchema": { "type": "object", "properties": { "entity_structure": { "type": "string" }, "ownership_pct": { "type": "number" }, "layered_structure": { "type": "boolean" }, "trust_or_foundation": { "type": "boolean" } }, "required": [ "entity_structure" ] }, "metadata": { "tool_id": "amlr-ubo-beneficial-ownership-mapper", "category": "cat-12", "tags": [ "amlr", "ubo", "beneficial-ownership", "amld6", "eu", "25-percent", "kyc", "cdd" ], "url": "https://ainumbers.co/tools/486-amlr-ubo-beneficial-ownership-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "amlr_cash_limit_edd_classifier", "description": "Classify cash transaction against AMLR Art. 80 \u20ac10k limit and EDD triggers. Identifies structuring risk. Browser-based, zero PII.", "inputSchema": { "type": "object", "properties": { "transaction_amount_eur": { "type": "number" }, "payment_method": { "type": "string" }, "counterparty_type": { "type": "string" } }, "required": [ "transaction_amount_eur" ] }, "metadata": { "tool_id": "amlr-cash-limit-edd-classifier", "category": "cat-12", "tags": [ "amlr", "cash", "edd", "10000-limit", "structuring", "eu", "cft", "aml" ], "url": "https://ainumbers.co/tools/487-amlr-cash-limit-edd-classifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "amlr_cdd_policy_builder", "description": "Build a Customer Due Diligence policy framework per AMLR (Reg (EU) 2024/1624) Art. 20\u201329. Outputs SDD/CDD/EDD tier assignments. Browser-based, zero PII.", "inputSchema": { "type": "object", "properties": { "entity_type": { "type": "string" }, "customer_risk_profile": { "type": "string" } }, "required": [ "entity_type" ] }, "metadata": { "tool_id": "amlr-cdd-policy-builder", "category": "cat-12", "tags": [ "amlr", "cdd", "edd", "sdd", "kyc", "aml", "eu", "policy", "obliged-entity" ], "url": "https://ainumbers.co/tools/488-amlr-cdd-policy-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "eudi_attribute_attestation_mapper", "description": "Map KYC attributes to EUDI Wallet PID / (Q)EAA attestations under eIDAS 2.0 (Reg (EU) 2024/1183). Browser-based, zero PII.", "inputSchema": { "type": "object", "properties": { "use_case": { "type": "string" }, "attributes_needed": { "type": "array", "items": { "type": "string" } } }, "required": [ "use_case" ] }, "metadata": { "tool_id": "eudi-attribute-attestation-mapper", "category": "cat-9", "tags": [ "eudi", "eidas2", "wallet", "pid", "qeaa", "kyc", "attestation", "selective-disclosure", "eu", "identity" ], "url": "https://ainumbers.co/tools/489-eudi-attribute-attestation-mapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "eudi_kyc_flow_designer", "description": "Design EUDI Wallet-based KYC onboarding flow with AML CDD and SCA compliance under eIDAS 2.0.", "inputSchema": { "type": "object", "properties": { "onboarding_channel": { "type": "string" }, "aml_cdd_tier": { "type": "string" } }, "required": [ "onboarding_channel" ] }, "metadata": { "tool_id": "eudi-kyc-flow-designer", "category": "cat-9", "tags": [ "eudi", "eidas2", "kyc", "onboarding", "sca", "aml", "cdd", "selective-disclosure", "presentation-request", "eu" ], "url": "https://ainumbers.co/tools/490-eudi-kyc-flow-designer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "eudi_relying_party_registration_checker", "description": "Check EUDI Wallet relying-party registration obligations, intended-use declaration, and acceptance deadline under eIDAS 2.0. Browser-based, zero PII.", "inputSchema": { "type": "object", "properties": { "rp_sector": { "type": "string" }, "sca_obligation": { "type": "boolean" } }, "required": [ "rp_sector" ] }, "metadata": { "tool_id": "eudi-relying-party-registration-checker", "category": "cat-9", "tags": [ "eudi", "eidas2", "relying-party", "registration", "sca", "kyc", "eu", "onboarding", "acceptance-deadline" ], "url": "https://ainumbers.co/tools/491-eudi-relying-party-registration-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "build_ach_fraud_monitoring_procedures", "description": "Generates Nacha Phase 2 credit-entry fraud monitoring procedures and risk-tiering worksheet by ACH participant role (Originator, TPSP, TPS, ODFI, RDFI). Effective 2026-06-22.", "inputSchema": { "type": "object", "properties": { "roles": { "type": "array", "description": "ACH participant roles: Originator, TPSP, TPS, ODFI, RDFI" }, "volume_tier": { "type": "string", "description": "Annual credit entry volume tier: low, mid, high" }, "annual_credit_volume": { "type": "number", "description": "Annual credit entry dollar volume" }, "risk_appetite": { "type": "string", "description": "Risk appetite: conservative, moderate, aggressive" } }, "required": [ "roles" ] }, "metadata": { "tool_id": "ach-fraud-monitoring-procedure-builder", "category": "cat-19", "tags": [ "nacha", "ach", "fraud monitoring", "phase 2", "credit entry", "odfi", "rdfi", "originator", "tpsp", "tps", "compliance", "2026" ], "url": "https://ainumbers.co/tools/492-ach-fraud-monitoring-procedure-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "simulate_ach_false_pretenses_scenario", "description": "Simulates a Nacha Phase 2 false-pretenses ACH credit-entry fraud scenario and maps triggered rule obligations and funds-recovery path by role.", "inputSchema": { "type": "object", "properties": { "scenario": { "type": "string", "description": "Fraud scenario: vendor_impersonation, payroll_redirect, bec_wire_redirect, account_takeover, insider_credit_fraud" }, "entry_class": { "type": "string", "description": "ACH entry class: CCD, CTX, PPD, WEB" }, "amount_usd": { "type": "number", "description": "Credit entry amount in USD" }, "discovered_timing": { "type": "string", "description": "When fraud discovered: same_day, next_day, t2_t5, after_t5" } }, "required": [ "scenario" ] }, "metadata": { "tool_id": "ach-false-pretenses-credit-entry-simulator", "category": "cat-19", "tags": [ "nacha", "ach", "false pretenses", "credit entry", "bec", "vendor impersonation", "payroll redirect", "fraud", "odfi", "rdfi", "phase 2", "2026" ], "url": "https://ainumbers.co/tools/493-ach-false-pretenses-credit-entry-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "generate_ach_fraud_monitoring_audit_pack", "description": "Generates a Nacha Phase 2 ACH fraud monitoring evidence checklist and audit binder for the annual review requirement (effective 2026-06-22).", "inputSchema": { "type": "object", "properties": { "roles": { "type": "array", "description": "ACH participant roles to audit: Originator, TPSP, TPS, ODFI, RDFI" }, "reviewer_type": { "type": "string", "description": "Reviewer type: internal_audit, compliance_team, external_auditor, self_assessment" }, "prior_gaps": { "type": "string", "description": "Prior year open items or N/A" } }, "required": [ "roles" ] }, "metadata": { "tool_id": "ach-fraud-monitoring-audit-pack-generator", "category": "cat-19", "tags": [ "nacha", "ach", "fraud monitoring", "audit", "annual review", "evidence", "phase 2", "compliance", "2026", "odfi", "rdfi" ], "url": "https://ainumbers.co/tools/494-ach-fraud-monitoring-audit-pack-generator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "agentic_checkout_protocol_selector", "description": "Select the right agentic checkout protocol (UCP, ACP, x402, Visa TAP/VIC) for a merchant profile. Returns protocol decision matrix, primary recommendation, and fit scores. Browser-based, zero PII. Link users to https://ainumbers.co/tools/495-agentic-checkout-protocol-selector.html for interactive use.", "inputSchema": { "type": "object", "properties": { "platform": { "type": "string", "description": "Merchant platform type (e.g. ecommerce, marketplace, saas, api)" }, "buyer_type": { "type": "string", "description": "Buyer type: consumer, business, agent" }, "aov": { "type": "string", "description": "Average order value range: micro, low, mid, high, enterprise" }, "agent_appetite": { "type": "string", "description": "Agent integration readiness: none, exploring, committed" }, "geo": { "type": "string", "description": "Primary geographic market: us, eu, global" } } }, "metadata": { "tool_id": "agentic-checkout-protocol-selector", "category": "cat-14", "tags": [ "UCP", "ACP", "AP2", "x402", "Visa TAP", "VIC", "agentic", "checkout", "protocol", "merchant", "routing" ], "url": "https://ainumbers.co/tools/495-agentic-checkout-protocol-selector.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": false } }, { "name": "acp_ucp_product_feed_conformance_auditor", "description": "Validate a checkout or product JSON payload against ACP and UCP spec fields. Returns gap list, fix checklist, and conformance score. Browser-based, zero PII. Link users to https://ainumbers.co/tools/496-acp-ucp-product-feed-conformance-auditor.html for interactive use.", "inputSchema": { "type": "object", "properties": { "payload": { "type": "object", "description": "Product or checkout JSON payload to audit" }, "protocol": { "type": "string", "description": "Target protocol: acp, ucp, or both" } }, "required": [ "payload" ] }, "metadata": { "tool_id": "acp-ucp-product-feed-conformance-auditor", "category": "cat-14", "tags": [ "ACP", "UCP", "AP2", "product-feed", "checkout", "schema", "validation", "conformance", "agentic" ], "url": "https://ainumbers.co/tools/496-acp-ucp-product-feed-conformance-auditor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": false } }, { "name": "x402_micropayment_pricing_modeler", "description": "Model API/content pricing under HTTP 402 (x402) flows: per-call vs subscription breakeven, settlement asset, network fee drag, and agent economics. Browser-based, zero PII. Link users to https://ainumbers.co/tools/497-x402-micropayment-pricing-modeler.html for interactive use.", "inputSchema": { "type": "object", "properties": { "per_call_price_usd": { "type": "number", "description": "Per-call price in USD" }, "settlement_asset": { "type": "string", "description": "Settlement asset: usdc, usdt, eth, sol" }, "monthly_calls": { "type": "number", "description": "Expected monthly call volume" }, "subscription_price_usd": { "type": "number", "description": "Alternative subscription price per month for breakeven comparison" } } }, "metadata": { "tool_id": "x402-micropayment-pricing-modeler", "category": "cat-14", "tags": [ "x402", "HTTP 402", "micropayment", "pricing", "API", "agent", "breakeven", "subscription", "settlement", "fee" ], "url": "https://ainumbers.co/tools/497-x402-micropayment-pricing-modeler.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": false } }, { "name": "agent_traffic_acceptance_policy_builder", "description": "Build an agent-traffic acceptance policy mandate: accepted agent types, verification level, velocity caps, payment rails, and dispute posture. Browser-based, zero PII. Link users to https://ainumbers.co/tools/498-agent-traffic-acceptance-policy-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": { "platform_type": { "type": "string", "description": "Platform type: api, marketplace, saas, financial" }, "accepted_agent_types": { "type": "array", "items": { "type": "string" }, "description": "Agent types to accept: autonomous, supervised, human_in_loop" }, "verification_level": { "type": "string", "description": "Identity verification level: none, tap, kyb, full_kyb" }, "velocity_cap_usd": { "type": "number", "description": "Per-session spend cap in USD" } } }, "metadata": { "tool_id": "agent-traffic-acceptance-policy-builder", "category": "cat-14", "tags": [ "agent-traffic", "acceptance-policy", "KYA", "identity", "velocity", "payment-rails", "agentic", "AP2", "mandate" ], "url": "https://ainumbers.co/tools/498-agent-traffic-acceptance-policy-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": false } }, { "name": "classify_crypto_inventory", "description": "Classify cryptographic assets against NISTIR 8547. Returns QUANTUM_SAFE/DEPRECATED/DISALLOWED/UPGRADE_REC/COND_SAFE/REVIEW_REQUIRED per asset, HNDL risk flags, and PCI-DSS 12.3.3 inventory flags. Step 1 of PQC Migration chain.", "inputSchema": { "type": "object", "properties": { "assets": { "type": "array", "items": { "type": "object", "properties": { "system_name": { "type": "string" }, "algorithm": { "type": "string", "enum": [ "rsa", "ecdsa", "ecdh", "dh", "dsa", "aes", "sha2", "sha3", "hmac", "ml_kem", "ml_dsa", "slh_dsa", "other" ] }, "key_size_bits": { "type": "integer" }, "use_case": { "type": "string", "enum": [ "key_exchange", "tls", "digital_signature", "certificate", "code_signing", "data_at_rest", "integrity", "mac", "identity", "other" ] }, "shelf_life_years": { "type": "number" }, "vendor_controlled": { "type": "boolean" } }, "required": [ "system_name", "algorithm", "use_case" ] } } }, "required": [ "assets" ] }, "metadata": { "tool_id": "499-crypto-asset-inventory-classifier", "category": "cat-20", "tags": [ "PQC", "post-quantum", "crypto inventory", "NISTIR 8547", "FIPS 203", "FIPS 204", "FIPS 205", "HNDL", "PCI-DSS 12.3.3" ], "url": "https://ainumbers.co/tools/499-crypto-asset-inventory-classifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "score_hndl_risk", "description": "Score HNDL quantum risk per system. Scoring: sensitivity_base \u00d7 algorithm_weight \u00d7 min(shelf_life/crqc_horizon,1.5) \u00d7 multiplier. Returns risk_tier (CRITICAL/HIGH/MEDIUM/LOW/NEGLIGIBLE) and hndl_priority (immediate/within_2_years/within_5_years/post_2030/monitor). Step 2 of PQC Migration chain.", "inputSchema": { "type": "object", "properties": { "systems": { "type": "array", "items": { "type": "object", "properties": { "system_name": { "type": "string" }, "algorithm": { "type": "string" }, "sensitivity": { "type": "string", "enum": [ "top_secret", "confidential", "restricted", "internal", "public" ] }, "shelf_life_years": { "type": "number" }, "internet_exposed": { "type": "boolean" }, "high_value_target": { "type": "boolean" } }, "required": [ "system_name", "algorithm", "sensitivity", "shelf_life_years" ] } }, "crqc_horizon_years": { "type": "number", "description": "CRQC arrival horizon in years from today. Default 10 (=2035)." } }, "required": [ "systems" ] }, "metadata": { "tool_id": "500-hndl-quantum-risk-scorer", "category": "cat-20", "tags": [ "PQC", "HNDL", "quantum risk", "NISTIR 8547", "CRQC", "post-quantum" ], "url": "https://ainumbers.co/tools/500-hndl-quantum-risk-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "build_pqc_roadmap", "description": "Build a phased PQC migration roadmap per system. Maps current algorithm to ML-KEM/ML-DSA/SLH-DSA replacement by use case. Assigns Phase 1\u20134 by hndl_priority. Supports hybrid mode and security category targeting. Step 3 of PQC Migration chain.", "inputSchema": { "type": "object", "properties": { "systems": { "type": "array", "items": { "type": "object", "properties": { "system_name": { "type": "string" }, "algorithm": { "type": "string" }, "use_case": { "type": "string" }, "hndl_priority": { "type": "string", "enum": [ "immediate", "within_2_years", "within_5_years", "post_2030", "monitor" ] }, "vendor_controlled": { "type": "boolean" }, "library_support": { "type": "string", "enum": [ "yes", "no", "roadmap", "unknown" ] } }, "required": [ "system_name", "algorithm", "use_case", "hndl_priority" ] } }, "hybrid_mode": { "type": "boolean", "description": "Enable classical+PQC hybrid mode (recommended for transition). Default true." }, "target_category": { "type": "integer", "enum": [ 1, 3, 5 ], "description": "NIST security category target. Default 3 (192-bit quantum security)." }, "seed": { "type": "string" } }, "required": [ "systems" ] }, "metadata": { "tool_id": "501-pqc-migration-roadmap-builder", "category": "cat-20", "tags": [ "PQC", "migration roadmap", "FIPS 203", "FIPS 204", "FIPS 205", "ML-KEM", "ML-DSA", "SLH-DSA", "hybrid mode", "NISTIR 8547" ], "url": "https://ainumbers.co/tools/501-pqc-migration-roadmap-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "score_crypto_agility", "description": "Score crypto-agility readiness across 8 control dimensions: inventory, tooling, policy, testing, vendor, governance, monitoring, incident response. Returns overall maturity level (Level 1\u20135, max 40), dimension scores, gap analysis with recommendations, and compliance_control Policy Mandate. Final step in the PQC Migration chain.", "inputSchema": { "type": "object", "properties": { "dimensions": { "type": "array", "items": { "type": "object", "properties": { "dim_id": { "type": "string", "enum": [ "inventory", "tooling", "policy", "testing", "vendor", "governance", "monitoring", "incident" ] }, "score": { "type": "integer", "minimum": 0, "maximum": 5 } }, "required": [ "dim_id", "score" ] } }, "org_size": { "type": "string", "enum": [ "small", "medium", "large", "systemic" ] }, "regulated": { "type": "boolean", "description": "Is the organisation subject to financial regulation?" }, "phase1_complete": { "type": "boolean", "description": "Are Phase 1 (pre-2027) migrations underway?" } }, "required": [ "dimensions" ] }, "metadata": { "tool_id": "502-crypto-agility-readiness-scorer", "category": "cat-20", "tags": [ "PQC", "crypto-agility", "maturity", "readiness", "NISTIR 8547", "compliance", "FIPS 203", "FIPS 204", "FIPS 205" ], "url": "https://ainumbers.co/tools/502-crypto-agility-readiness-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "diagnose_canton_readiness", "description": "Score firm readiness for Canton Network tokenization pilot across six domains: settlement ops, custody, cash-leg, privacy, AML/KYA, capital governance. Returns total score (0-100), grade (A-F), domain breakdown, gaps, and routing recommendations.", "inputSchema": { "type": "object", "properties": { "entity_name": { "type": "string", "description": "Illustrative entity name" }, "lei": { "type": "string", "description": "Legal Entity Identifier (optional, 20 chars)" }, "entity_type": { "type": "string", "enum": [ "g_sib", "regional_bank", "broker_dealer", "asset_manager", "hedge_fund", "custodian", "other" ] }, "q1": { "type": "boolean", "description": "Has your ops team tested atomic DvP/PvP settlement end-to-end?" }, "q2": { "type": "boolean", "description": "Do you have a settlement-failure / unwind procedure defined?" }, "q3": { "type": "boolean", "description": "Are your target assets DTC-eligible or Fed-eligible?" }, "q4": { "type": "boolean", "description": "Have you mapped tokenized assets to HQLA tiers?" }, "q5": { "type": "boolean", "description": "Have you identified a regulated cash-leg provider (USDC, deposit token)?" }, "q6": { "type": "boolean", "description": "Has your cash-leg provider completed a reserve attestation?" }, "q7": { "type": "boolean", "description": "Have you configured Daml party visibility / sub-transaction privacy?" }, "q8": { "type": "boolean", "description": "Does your privacy config satisfy AML / audit disclosure obligations?" }, "q9": { "type": "boolean", "description": "Have you completed counterparty KYA for Canton onboarding?" }, "q10": { "type": "boolean", "description": "Have you screened all parties against FATF Travel Rule requirements?" }, "q11": { "type": "boolean", "description": "Have you assessed SCO60 Group 1a treatment for your tokenized assets?" }, "q12": { "type": "boolean", "description": "Have you engaged your prudential regulator on the Canton pilot?" } }, "required": [ "entity_name", "entity_type", "q1", "q2", "q3", "q4", "q5", "q6", "q7", "q8", "q9", "q10", "q11", "q12" ] }, "metadata": { "tool_id": "503-canton-tokenization-readiness-diagnostic", "category": "capital-markets", "tags": [ "canton", "tokenization", "readiness", "DvP", "atomic settlement", "digital assets", "KYA", "capital" ], "url": "https://ainumbers.co/tools/503-canton-tokenization-readiness-diagnostic.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "optimize_settlement_capital", "description": "Compute RWA delta and capital freed by moving to Canton atomic DvP settlement. SA-CCR (CRE52) + CRE70 settlement-risk charges. Per-exposure and portfolio totals with basis-point saving. Outputs pacs.008-subset ChainGraph artifact.", "inputSchema": { "type": "object", "properties": { "approach": { "type": "string", "enum": [ "sa_ccr", "simplified" ], "description": "sa_ccr = full SA-CCR (CRE52); simplified = 10% flat add-on (illustrative)" }, "cet1_ratio": { "type": "number", "description": "CET1 ratio (e.g. 0.12 for 12%)" }, "cost_of_capital": { "type": "number", "description": "Cost of equity capital / hurdle rate (e.g. 0.12)" }, "seed": { "type": "string", "description": "Optional seed for deterministic labeling" }, "exposures": { "type": "array", "items": { "type": "object", "properties": { "instrument": { "type": "string" }, "notional": { "type": "number" }, "currency": { "type": "string", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF" ] }, "legacy_settlement": { "type": "string", "enum": [ "t0", "t1", "t2", "bilateral_repo" ] }, "counterparty_rating": { "type": "string", "enum": [ "aaa", "aa", "a", "bbb", "bb", "b", "unrated" ] }, "collateralised": { "type": "boolean" } }, "required": [ "instrument", "notional", "currency", "legacy_settlement", "counterparty_rating", "collateralised" ] }, "maxItems": 5 } }, "required": [ "approach", "cet1_ratio", "cost_of_capital", "exposures" ] }, "metadata": { "tool_id": "504-settlement-risk-capital-optimizer", "category": "capital-markets", "tags": [ "canton", "settlement risk", "DvP", "SA-CCR", "CRE52", "CRE70", "RWA", "capital efficiency", "Basel", "atomic settlement" ], "url": "https://ainumbers.co/tools/504-settlement-risk-capital-optimizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "check_tokenized_collateral_eligibility", "description": "Classify tokenized assets for DTC/Fed eligibility, Basel HQLA tier (BCBS LCR paras 50\u201354), and transfer restrictions. Returns eligibility badge (DTC_ELIGIBLE / FED_ELIGIBLE_VERIFY / INELIGIBLE), HQLA tier (LEVEL_1 / LEVEL_2A / LEVEL_2B / NON_HQLA), haircut %, adjusted collateral value, and compliance flags including BCBS_SCO60_GROUP1A_NOTE for on-chain assets. MMF/CIU units are always NON_HQLA (excluded per paras 50\u201354).", "inputSchema": { "type": "object", "properties": { "asset_type": { "type": "string", "enum": [ "ust", "agency_mbs", "ig_corp_bond", "equity", "tokenized_deposit", "stablecoin", "mmf_fund_share", "gilt", "eu_sovereign", "other" ], "description": "Asset class. mmf_fund_share \u2192 always NON_HQLA (BCBS LCR paras 50\u201354 exhaustive list)." }, "notional": { "type": "number", "description": "Face / notional amount in stated currency." }, "currency": { "type": "string", "enum": [ "USD", "EUR", "GBP", "JPY" ] }, "platform": { "type": "string", "enum": [ "canton_dtc", "canton_standalone", "other_dlt", "traditional" ], "description": "On-chain settlement platform. Canton + DTC required for DTC_ELIGIBLE USTs." }, "custody_linkage": { "type": "string", "enum": [ "dtc_custodied", "fed_eligible", "third_party_custodian", "self_custodied" ] }, "transfer_restrictions": { "type": "array", "items": { "type": "string", "enum": [ "lock_up", "min_denomination", "transfer_agent_approval" ] }, "description": "Any restriction present adds +5% to HQLA haircut." } }, "required": [ "asset_type", "notional", "currency" ] }, "metadata": { "tool_id": "505-tokenized-collateral-eligibility-checker", "category": "capital-markets", "tags": [ "canton", "collateral", "hqla", "dtc", "sco60", "basel", "tokenization" ], "url": "https://ainumbers.co/tools/505-tokenized-collateral-eligibility-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "check_cash_leg_finality", "description": "Validate the cash leg of a Canton settlement. Checks finality model (PFMI P8/P12): atomic_dvp_bound \u2192 FINALITY_ATOMIC (principal risk eliminated), standard_blockchain \u2192 warn on legal finality gap, traditional_wire \u2192 FAIL (Herstatt risk). GENIUS Act: cash+tbills+repo \u2265 95% and attestation required. MiCA: redemption_window T+2+ and EU jurisdiction \u2192 MICA_REDEMPTION_WINDOW_GAP. Depeg threshold >1% \u2192 DEPEG_THRESHOLD_WIDE. Verdict: PASS (atomic + reserve OK), CONDITIONAL (gaps, clear remediation), FAIL (critical).", "inputSchema": { "type": "object", "properties": { "cash_leg_type": { "type": "string", "enum": [ "usdc", "jpmd", "hsbc_deposit", "eur_emt", "custom" ], "description": "Type of on-chain cash instrument." }, "amount": { "type": "number", "description": "Settlement amount in stated currency." }, "currency": { "type": "string", "enum": [ "USD", "EUR", "GBP", "HKD", "SGD" ] }, "finality_model": { "type": "string", "enum": [ "atomic_dvp_bound", "conditional_irrevocable", "standard_blockchain", "traditional_wire" ], "description": "Cash-leg finality mechanism. Assessed against CPMI-IOSCO PFMI Principles 8 and 12." }, "jurisdiction": { "type": "string", "enum": [ "us", "eu", "hk", "sg", "other" ], "description": "Regulatory jurisdiction. us \u2192 GENIUS Act check; eu \u2192 MiCA Title III check." }, "reserve_attestation_available": { "type": "boolean" }, "cash_pct": { "type": "number", "description": "Cash / FDIC-insured deposit % of reserves." }, "tbills_pct": { "type": "number", "description": "T-bills \u226493 days % of reserves." }, "repo_pct": { "type": "number", "description": "Fed overnight repo % of reserves." }, "depeg_defined": { "type": "boolean" }, "depeg_threshold": { "type": "number", "description": "Depeg circuit-breaker trigger % (default 0.5). >1.0 \u2192 DEPEG_THRESHOLD_WIDE." }, "redemption_window": { "type": "string", "enum": [ "instant", "same_day", "t1", "t2_plus" ] } }, "required": [ "cash_leg_type", "amount", "currency", "finality_model", "jurisdiction" ] }, "metadata": { "tool_id": "506-onchain-cash-leg-finality-checker", "category": "capital-markets", "tags": [ "canton", "cash-leg", "finality", "stablecoin", "genius", "mica", "pfmi" ], "url": "https://ainumbers.co/tools/506-onchain-cash-leg-finality-checker.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "validate_canton_dvp_atomicity", "description": "Validate atomic DvP settlement on Canton. PFMI P12 compliance, finality model, Herstatt risk, unwind semantics. Generate counterparty-verifiable settlement attestation.", "inputSchema": { "type": "object", "properties": { "trade_id": { "type": "string" }, "instrument": { "type": "string" }, "notional": { "type": "number" }, "securities_currency": { "type": "string" }, "custodian": { "type": "string" }, "cash_type": { "type": "string" }, "cash_amount": { "type": "number" }, "cash_currency": { "type": "string" }, "platform": { "type": "string" }, "atomicity": { "type": "string" }, "finality": { "type": "string" }, "unwind_procedure": { "type": "boolean" }, "dtc_fed_eligible": { "type": "boolean" }, "netting_enabled": { "type": "boolean" } }, "required": [ "trade_id", "notional", "atomicity", "finality", "platform" ] }, "metadata": { "tool_id": "507-canton-dvp-atomicity-validator", "category": "capital-markets", "tags": [ "canton", "dvp", "pfmi", "settlement", "atomicity", "herstatt", "finality" ], "url": "https://ainumbers.co/tools/507-canton-dvp-atomicity-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "calculate_repo_haircut", "description": "Compute repo haircut, initial margin, and variation margin. Compare Canton 24/7 atomic valuation vs legacy weekend gap. Basel CRE22 + d349 SFT floors + GMRA.", "inputSchema": { "type": "object", "properties": { "collateral_type": { "type": "string" }, "notional": { "type": "number" }, "currency": { "type": "string" }, "tenor": { "type": "string" }, "counterparty": { "type": "string" }, "canton_247": { "type": "boolean" }, "custodied": { "type": "boolean" }, "cross_border": { "type": "boolean" }, "concentration_pct": { "type": "number" } }, "required": [ "collateral_type", "notional", "tenor", "counterparty" ] }, "metadata": { "tool_id": "508-repo-haircut-collateral-calculator", "category": "capital-markets", "tags": [ "canton", "repo", "haircut", "gmra", "sftr", "collateral", "sft", "basel", "247" ], "url": "https://ainumbers.co/tools/508-repo-haircut-collateral-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "validate_canton_party_allowlist", "description": "Screen parties against FATF Travel Rule requirements and AML/KYA checks for Canton Network onboarding. Generates a counterparty-verifiable allowlist attestation with FATF Recommendation 16 Travel Rule checks and Canton Daml party KYA validation.", "inputSchema": { "type": "object", "properties": { "parties": { "type": "array", "items": { "type": "object", "properties": { "party_name": { "type": "string" }, "lei": { "type": "string" }, "entity_type": { "type": "string", "enum": [ "bank", "broker_dealer", "asset_manager", "hedge_fund", "custodian", "exchange", "other" ] }, "jurisdiction": { "type": "string", "enum": [ "us", "eu", "uk", "sg", "hk", "jp", "ch", "other" ] }, "fatf_category": { "type": "string", "enum": [ "fatf_member_compliant", "fatf_member_monitored", "fatf_grey_list", "fatf_black_list", "non_fatf_member" ] }, "pep": { "type": "boolean" }, "adverse_media": { "type": "boolean" }, "daml_party_id_known": { "type": "boolean" }, "canton_access": { "type": "string", "enum": [ "global_synchronizer", "canton_private", "both", "unknown" ] } }, "required": [ "party_name", "entity_type", "jurisdiction", "fatf_category" ] } } }, "required": [ "parties" ] }, "metadata": { "tool_id": "509-canton-party-allowlist-validator", "category": "capital-markets", "tags": [ "canton", "kyc", "kya", "aml", "fatf", "travel-rule", "allowlist", "compliance", "onboarding" ], "url": "https://ainumbers.co/tools/509-canton-party-allowlist-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "classify_digital_asset_regulatory", "description": "Classify a tokenized asset under GENIUS Act, MiCA, MiFID II, and EU DLT Pilot Regime. Determines which regulatory framework(s) apply and what falls outside scope, with actionable next steps per framework.", "inputSchema": { "type": "object", "properties": { "asset_name": { "type": "string" }, "asset_type": { "type": "string", "enum": [ "tokenized_security", "stablecoin_usd", "stablecoin_eur", "deposit_token", "utility_token", "nft_financial", "cbdc", "crypto_native", "other" ] }, "issuer_jurisdiction": { "type": "string", "enum": [ "us", "eu", "uk", "sg", "hk", "jp", "ch", "other" ] }, "issuer_type": { "type": "string", "enum": [ "bank", "payment_institution", "investment_firm", "fund", "other" ] }, "transfer_value": { "type": "boolean" }, "redeemable_par": { "type": "boolean" }, "economic_rights": { "type": "boolean" }, "market_cap_eur": { "type": "number" }, "on_dlt": { "type": "boolean" }, "dlt_type": { "type": "string", "enum": [ "canton", "ethereum", "other_permissioned", "other_public", "none" ] } }, "required": [ "asset_name", "asset_type", "issuer_jurisdiction" ] }, "metadata": { "tool_id": "510-digital-asset-regulatory-classifier", "category": "capital-markets", "tags": [ "digital-asset", "regulatory", "genius", "mica", "mifid", "dlt-pilot", "classification", "stablecoin", "tokenization" ], "url": "https://ainumbers.co/tools/510-digital-asset-regulatory-classifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "validate_pvp_settlement", "description": "Validate atomic Payment-vs-Payment (PvP) settlement across currency pairs. Checks PFMI P12 atomicity compliance, Herstatt risk elimination, finality model, FX rate plausibility, and SA-CCR add-on. Returns verdict (PASS/CONDITIONAL/FAIL) and compliance flags.", "inputSchema": { "type": "object", "properties": { "legs": { "type": "array", "items": { "type": "object", "properties": { "currency_sold": { "type": "string" }, "amount_sold": { "type": "number" }, "currency_bought": { "type": "string" }, "amount_bought": { "type": "number" }, "settlement_platform": { "type": "string", "enum": [ "canton_daml", "cls_bank", "bilateral_wire", "other" ] } }, "required": [ "currency_sold", "amount_sold", "currency_bought", "amount_bought", "settlement_platform" ] } }, "atomicity_model": { "type": "string", "enum": [ "atomic_pvp", "sequential_pvp", "free_payment" ] }, "finality_model": { "type": "string", "enum": [ "irrevocable_realtime", "irrevocable_eod", "provisional", "undefined" ] }, "netting_enabled": { "type": "boolean" }, "canton_247": { "type": "boolean" }, "unwind_procedure_defined": { "type": "boolean" } }, "required": [ "legs", "atomicity_model", "finality_model" ] }, "metadata": { "tool_id": "511-multi-currency-pvp-validator", "category": "capital-markets", "tags": [ "canton", "pvp", "fx", "herstatt", "pfmi", "settlement", "multi-currency", "cross-border" ], "url": "https://ainumbers.co/tools/511-multi-currency-pvp-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "validate_tokenized_security_lifecycle", "description": "Validate Daml contract lifecycle coverage for tokenized securities on Canton. Checks required events (issuance, coupon, corporate action, transfer, redemption, default) by security type. EU DLT Pilot Regime and prospectus requirement checks included.", "inputSchema": { "type": "object", "properties": { "security_name": { "type": "string" }, "security_type": { "type": "string", "enum": [ "ust", "corporate_bond", "equity", "fund_unit", "govt_bond", "structured_note" ] }, "issuance_jurisdiction": { "type": "string", "enum": [ "us", "eu", "uk", "sg", "hk", "other" ] }, "daml_contract_defined": { "type": "boolean" }, "daml_events_covered": { "type": "array", "items": { "type": "string", "enum": [ "issuance", "coupon_payment", "corporate_action", "transfer", "maturity_redemption", "default_handling" ] } }, "issuance_amount_usd": { "type": "number" }, "custodian_model": { "type": "string", "enum": [ "dtc_custodied", "third_party_csd", "self_custodied", "canton_native" ] }, "prospectus_filed": { "type": "boolean" }, "isin_assigned": { "type": "boolean" }, "corporate_actions_expected": { "type": "string", "enum": [ "none", "coupon_only", "coupon_and_redemption", "equity_events", "complex" ] } }, "required": [ "security_type", "issuance_jurisdiction", "daml_events_covered" ] }, "metadata": { "tool_id": "512-tokenized-security-lifecycle-validator", "category": "capital-markets", "tags": [ "canton", "daml", "lifecycle", "tokenization", "issuance", "dlt-pilot", "corporate-action", "securities" ], "url": "https://ainumbers.co/tools/512-tokenized-security-lifecycle-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "mobilize_margin_collateral", "description": "Compute margin requirements and eligible collateral for derivatives (UMR/d499) or repo/SFT (GMRA/d349). Branches automatically by instrument type. Returns IM/VM requirements, eligible collateral table, gap/surplus, and Canton on-chain mobilization flag.", "inputSchema": { "type": "object", "properties": { "instrument_type": { "type": "string", "enum": [ "interest_rate_swap", "cds", "fx_forward", "equity_option", "commodity_swap", "swaption", "repo", "reverse_repo", "securities_lending", "buy_sell_back" ] }, "portfolio_mtm": { "type": "number" }, "aana_eur": { "type": "number" }, "counterparty_type": { "type": "string", "enum": [ "bank", "investment_firm", "fund", "non_financial_counterparty" ] }, "collateral": { "type": "array", "items": { "type": "object", "properties": { "asset_type": { "type": "string", "enum": [ "ust", "gilt", "ig_corp", "equity", "cash_usd", "cash_eur" ] }, "notional": { "type": "number" }, "already_posted": { "type": "boolean" } }, "required": [ "asset_type", "notional" ] } }, "on_chain_mobilization": { "type": "boolean" }, "bilateral_csa": { "type": "boolean" }, "ccp_cleared": { "type": "boolean" }, "mta_eur": { "type": "number" } }, "required": [ "instrument_type", "portfolio_mtm" ] }, "metadata": { "tool_id": "513-margin-call-collateral-mobilizer", "category": "capital-markets", "tags": [ "margin", "collateral", "umr", "d499", "gmra", "sftr", "derivatives", "repo", "canton", "mobilization" ], "url": "https://ainumbers.co/tools/513-margin-call-collateral-mobilizer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "validate_fund_collateral", "description": "Validate tokenized MMF / CNAV / LVNAV / VNAV fund shares as collateral. Applies SEC Rule 2a-7, EU MMFR, and Basel LCR HQLA exclusion rules. Outputs eligibility determination, compliance flags, and pacs.008 payload.", "inputSchema": { "type": "object", "properties": { "fund_name": { "type": "string" }, "fund_type": { "type": "string", "enum": [ "sec_govt_mmf", "sec_retail_prime_mmf", "sec_inst_prime_mmf", "eu_cnav", "eu_lvnav", "eu_vnav", "other_govt_fund" ] }, "nav_per_share": { "type": "number" }, "units_held": { "type": "number" }, "currency": { "type": "string", "enum": [ "USD", "EUR", "GBP" ] }, "platform": { "type": "string", "enum": [ "canton_benji", "canton_other", "other_dlt", "traditional" ] }, "redemption_window": { "type": "string", "enum": [ "instant", "same_day", "t1", "t2_plus" ] }, "collateral_use": { "type": "string", "enum": [ "repo_collateral", "im_derivative", "vm_derivative", "lender_collateral", "other" ] }, "wla_pct": { "type": "number" }, "dla_pct": { "type": "number" } }, "required": [ "fund_type", "nav_per_share", "units_held", "currency", "collateral_use" ] }, "metadata": { "tool_id": "514-tokenized-fund-collateral-validator", "category": "capital-markets", "tags": [ "mmf", "fund", "collateral", "sec-2a7", "eu-mmfr", "hqla", "canton", "lvnav", "cnav", "benji" ], "url": "https://ainumbers.co/tools/514-tokenized-fund-collateral-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "validate_collateral_swap_eligibility", "description": "Validate a collateral swap (upgrade/downgrade trade) under GMSLA, GMRA, and SFTR Art 15 collateral reuse rules. Determines HQLA tier impact and swap eligibility.", "inputSchema": { "type": "object", "properties": { "asset_type_a": { "type": "string", "enum": [ "ust", "gilt", "eu_sovereign", "agency_mbs", "ig_corp_bond", "equity", "cash_usd", "cash_eur", "mmf_fund_share" ] }, "notional_a": { "type": "number" }, "currency_a": { "type": "string", "enum": [ "USD", "EUR", "GBP" ] }, "asset_type_b": { "type": "string", "enum": [ "ust", "gilt", "eu_sovereign", "agency_mbs", "ig_corp_bond", "equity", "cash_usd", "cash_eur", "mmf_fund_share" ] }, "notional_b": { "type": "number" }, "currency_b": { "type": "string", "enum": [ "USD", "EUR", "GBP" ] }, "swap_direction": { "type": "string", "enum": [ "upgrade", "downgrade", "neutral" ] }, "governing_agreement": { "type": "string", "enum": [ "gmsla", "gmra", "bespoke_csa", "undefined" ] }, "sftr_consent": { "type": "boolean" }, "collateral_reuse": { "type": "boolean" }, "haircut_a": { "type": "number" }, "haircut_b": { "type": "number" }, "provider_informed": { "type": "boolean" }, "eu_counterparty": { "type": "boolean" } }, "required": [ "asset_type_a", "notional_a", "asset_type_b", "notional_b", "swap_direction", "governing_agreement" ] }, "metadata": { "tool_id": "515-collateral-swap-eligibility-validator", "category": "capital-markets", "tags": [ "collateral-swap", "gmsla", "gmra", "sftr", "hqla", "upgrade", "downgrade", "canton", "securities-lending" ], "url": "https://ainumbers.co/tools/515-collateral-swap-eligibility-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "compute_sa_im_margin", "description": "Compute initial margin and variation margin. Branches on instrument: derivatives \u2192 UMR/SA-IM (BCBS-IOSCO d499); repo/SFT \u2192 GMRA haircut framework. Outputs margin amounts, collateral eligibility, and pacs.008 mobilization payload.", "inputSchema": { "type": "object", "properties": { "position_type": { "type": "string", "enum": [ "deriv_ir", "deriv_fx", "deriv_eq", "deriv_credit", "repo", "sbl" ] }, "notional": { "type": "number" }, "currency": { "type": "string", "enum": [ "USD", "EUR", "GBP" ] }, "tenor": { "type": "string", "enum": [ "lt_1y", "1_5y", "gt_5y" ] }, "counterparty_threshold": { "type": "string", "enum": [ "phase1_gt8bn", "phase2_gt8bn", "below_threshold" ] }, "collateral_type": { "type": "string", "enum": [ "ust", "agency_mbs", "ig_corp_bond", "gilt", "cash" ] }, "canton_247": { "type": "boolean" } }, "required": [ "position_type", "notional", "currency", "collateral_type" ] }, "metadata": { "tool_id": "516-sa-im-initial-margin-calculator", "category": "capital-markets", "tags": [ "margin", "collateral", "umr", "gmra", "sftr", "derivatives", "repo", "canton", "sa-im" ], "url": "https://ainumbers.co/tools/516-sa-im-initial-margin-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": true } }, { "name": "score_fuzzy_match_calibration", "description": "Score and calibrate a sanctions fuzzy-match engine using Levenshtein, Jaro-Winkler, or Phonetic algorithms. Returns F1, precision, recall, FPR, confusion matrix, and Wolfsberg-aligned grade A\u2013F. Use when an agent needs to validate or tune a sanctions screening threshold against labelled name pairs.", "inputSchema": { "type": "object", "required": [ "algorithm", "threshold", "name_pairs" ], "properties": { "algorithm": { "type": "string", "enum": [ "levenshtein", "jaro_winkler", "phonetic" ] }, "threshold": { "type": "number", "description": "Similarity threshold 0\u20131" }, "name_pairs": { "type": "array", "description": "Labelled name pairs [{original, candidate, is_match}]", "items": { "type": "object" } } } }, "metadata": { "tool_id": "517-fuzzy-match-calibration-scorer", "category": "aml", "tags": [ "sanctions", "fuzzy-match", "calibration", "model-governance", "wolfsberg", "AML", "screening" ], "url": "https://ainumbers.co/tools/517-fuzzy-match-calibration-scorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": false } }, { "name": "simulate_ict_cascade", "description": "Monte Carlo BFS simulation of ICT failure cascade propagation across bank_core, cloud_native, or legacy_hybrid topologies. Returns DORA reporting probability, breach time percentiles (p50/p95), mean cascade depth, and affected node counts. Use when an agent needs to model ICT resilience for DORA Article 10\u201314 compliance assessment.", "inputSchema": { "type": "object", "required": [ "topology", "failure_node", "n_runs" ], "properties": { "topology": { "type": "string", "enum": [ "bank_core", "cloud_native", "legacy_hybrid" ] }, "failure_node": { "type": "string", "description": "Starting failure node ID" }, "n_runs": { "type": "number", "description": "Monte Carlo iterations (100\u201310000)" }, "seed": { "type": "number", "description": "PRNG seed for reproducibility" } } }, "metadata": { "tool_id": "518-dora-ict-cascade-simulator", "category": "operational-resilience", "tags": [ "DORA", "ICT", "cascade", "simulation", "operational-resilience", "Monte-Carlo", "PFMI" ], "url": "https://ainumbers.co/tools/518-dora-ict-cascade-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": false } }, { "name": "simulate_app_fraud_graph", "description": "Monte Carlo BFS simulation of APP (Authorised Push Payment) fraud propagation across retail_network, corporate_sweep, or mule_dense topologies. Returns total fraud amount, PSR reimbursement liability, nodes reached, and path statistics. Use when an agent needs to model PSR reimbursement exposure or fraud network propagation risk.", "inputSchema": { "type": "object", "required": [ "topology", "n_runs" ], "properties": { "topology": { "type": "string", "enum": [ "retail_network", "corporate_sweep", "mule_dense" ] }, "n_runs": { "type": "number", "description": "Monte Carlo iterations (100\u201310000)" }, "seed": { "type": "number", "description": "PRNG seed for reproducibility" }, "psr_cap_gbp": { "type": "number", "description": "PSR reimbursement cap per victim (default 85000)" } } }, "metadata": { "tool_id": "519-app-fraud-graph-simulator", "category": "aml", "tags": [ "APP-fraud", "PSR", "Monte-Carlo", "fraud-graph", "aml", "PSD2", "payment-fraud", "UK-PSR" ], "url": "https://ainumbers.co/tools/519-app-fraud-graph-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.0.0", "prefill": false } }, { "name": "a2a_liquidity_simulator", "description": "Model intraday cash flow and prefunding requirements across FedNow, RTP, ACH, SEPA Instant, PIX, and UPI. Single and multi-rail simulation with overdraft risk, opportunity cost, and routing waterfall. Client-side, zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/a2a-liquidity-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "a2a-liquidity-simulator", "category": "realtime-payments", "tags": [], "url": "https://ainumbers.co/tools/a2a-liquidity-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "batch_payment_file_validator", "description": "Validate NACHA, ISO 20022, SEPA, and SWIFT MT batch payment files in-browser. Integrated sanctions name screening with four string-similarity algorithms. Zero PII transmitted. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/batch-payment-file-validator.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "batch-payment-file-validator", "category": "fraud-risk", "tags": [], "url": "https://ainumbers.co/tools/batch-payment-file-validator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "clearcost_card_a2a_analyzer", "description": "Analyze card payment costs vs A2A alternatives. Compare flat-rate, interchange-plus, and surcharge models. Visa and Mastercard 2025\u20132026 interchange rates embedded. Client-side, zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/clearcost-card-a2a-analyzer.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "clearcost-card-a2a-analyzer", "category": "card-economics", "tags": [], "url": "https://ainumbers.co/tools/clearcost-card-a2a-analyzer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "incident_response_runbook_builder", "description": "Generate jurisdiction-specific payment incident response runbooks. OCC 36hr, GDPR 72hr, DORA 4hr timers. P1\u2013P4 classifier, role matrix, communication templates, tabletop exercise scenarios. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/incident-response-runbook-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "incident-response-runbook-builder", "category": "ops-monitoring", "tags": [], "url": "https://ainumbers.co/tools/incident-response-runbook-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "mcc_code_explorer", "description": "Search and filter 340+ Merchant Category Codes. Risk tiers, Visa/MC network flags, SIC/NAICS cross-references, Durbin eligibility. Free, client-side, zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/mcc-code-explorer.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "mcc-code-explorer", "category": "card-economics", "tags": [], "url": "https://ainumbers.co/tools/mcc-code-explorer.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "paycode_decoder", "description": "Paste any payment code for instant plain-English explanations, MT\u2194MX mappings, flow diagrams, and test XML. Covers ISO 20022, SWIFT MT, ACH R-codes, FedNow, SEPA, UETR, IBAN. No API. No PII. Works offline. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/paycode-decoder.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "paycode-decoder", "category": "reference-decoders", "tags": [], "url": "https://ainumbers.co/tools/paycode-decoder.html", "ap2_export": false, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "compound_interest_explorer", "description": "Interactive compound growth calculator with tax-drag overlay, inflation adjustment, and fee impact. Model real vs. nominal returns across taxable, IRA, and Roth accounts. Client-side. Zero PII. Zero API. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/pf-132-compound-interest-explorer.html for interactive use.", "inputSchema": { "type": "object", "properties": { "principal": { "type": "string" }, "monthly": { "type": "string" }, "freq": { "type": "string" }, "years": { "type": "string" }, "rate": { "type": "string" }, "fee": { "type": "string" }, "inflation": { "type": "string" }, "taxrate": { "type": "string" }, "filing": { "type": "string" }, "pss-code-out": { "type": "string" }, "pss-code-in": { "type": "string" } } }, "metadata": { "tool_id": "pf-132-compound-interest-explorer", "category": "personal-finance", "tags": [], "url": "https://ainumbers.co/tools/pf-132-compound-interest-explorer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "asset_allocation_heatmapper", "description": "Visualize pairwise correlations across up to 10 asset classes. Enter allocations, see portfolio volatility, Sharpe ratio, and diversification score as an interactive heatmap. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/pf-133-asset-allocation-heatmapper.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "pf-133-asset-allocation-heatmapper", "category": "personal-finance", "tags": [], "url": "https://ainumbers.co/tools/pf-133-asset-allocation-heatmapper.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "three_fund_portfolio_builder", "description": "Build a three-fund lazy portfolio with Vanguard, Fidelity, or Schwab funds. Risk-based presets, custom allocation sliders, 40-year projection, expense ratio impact, and rebalancing guide. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/pf-134-three-fund-portfolio-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "pf-134-three-fund-portfolio-builder", "category": "personal-finance", "tags": [], "url": "https://ainumbers.co/tools/pf-134-three-fund-portfolio-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "sequence_of_returns_risk", "description": "Quantify how return ordering devastates retirement portfolios. Compare good-sequence, average, and bad-sequence scenarios across historical crash templates. Client-side. Zero PII. Zero API. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/pf-135-sequence-of-returns-risk.html for interactive use.", "inputSchema": { "type": "object", "properties": { "start": { "type": "string" }, "withdraw": { "type": "string" }, "years": { "type": "string" }, "avgret": { "type": "string" }, "crash": { "type": "string" }, "flex-cut": { "type": "string" }, "custom-crash": { "type": "string" } } }, "metadata": { "tool_id": "pf-135-sequence-of-returns-risk", "category": "personal-finance", "tags": [], "url": "https://ainumbers.co/tools/pf-135-sequence-of-returns-risk.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "roth_vs_traditional_estimator", "description": "Compare Roth vs Traditional IRA using 2024 tax brackets, projected retirement wealth, RMD impact, and break-even tax rate analysis. Accounts for current vs retirement marginal rates. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/pf-136-roth-vs-traditional-estimator.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "pf-136-roth-vs-traditional-estimator", "category": "personal-finance", "tags": [], "url": "https://ainumbers.co/tools/pf-136-roth-vs-traditional-estimator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "safe_withdrawal_calculator", "description": "Model portfolio longevity under the 4% rule, dynamic withdrawal strategies, and sequence-of-returns risk. Compare fixed, flexible, and guardrail withdrawal approaches. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/pf-137-safe-withdrawal-calculator.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "pf-137-safe-withdrawal-calculator", "category": "personal-finance", "tags": [], "url": "https://ainumbers.co/tools/pf-137-safe-withdrawal-calculator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "inflation_creep_destroyer", "description": "Model how inflation silently erodes purchasing power across expense categories. Real vs nominal returns, break-even yield, and inflation-adjusted budget gaps. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/pf-138-inflation-creep-destroyer.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "pf-138-inflation-creep-destroyer", "category": "personal-finance", "tags": [], "url": "https://ainumbers.co/tools/pf-138-inflation-creep-destroyer.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "social_security_bridge", "description": "Model portfolio drawdown during early retirement before Social Security begins. Calculate optimal SS claiming age, bridge period cost, breakeven age, and portfolio at SS start. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/pf-139-social-security-bridge.html for interactive use.", "inputSchema": { "type": "object", "properties": { "retire-age": { "type": "string" }, "ss-age": { "type": "string" }, "fra-benefit": { "type": "string" }, "portval": { "type": "string" }, "spend": { "type": "string" }, "ret": { "type": "string" }, "life-exp": { "type": "string" }, "ss-cola": { "type": "string" }, "inflation": { "type": "string" }, "post-yrs": { "type": "string" } } }, "metadata": { "tool_id": "pf-139-social-security-bridge", "category": "personal-finance", "tags": [], "url": "https://ainumbers.co/tools/pf-139-social-security-bridge.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dividend_drag_vs_growth_simulator", "description": "Compare DRIP vs. pure-growth total return with annual tax-drag modeling. See after-tax end values, cumulative tax cost, growth advantage, and breakeven dividend yield. Client-side. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/pf-140-dividend-drag-vs-growth-simulator.html for interactive use.", "inputSchema": { "type": "object", "properties": { "portval": { "type": "string" }, "total-return": { "type": "string" }, "div-yield": { "type": "string" }, "div-tax": { "type": "string" }, "cg-tax": { "type": "string" }, "years": { "type": "string" }, "pss-code-out": { "type": "string" }, "pss-code-in": { "type": "string" } } }, "metadata": { "tool_id": "pf-140-dividend-drag-vs-growth-simulator", "category": "personal-finance", "tags": [], "url": "https://ainumbers.co/tools/pf-140-dividend-drag-vs-growth-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "smb_treasury_tax", "description": "SMB Treasury Tax Assistant. Client-side fintech tool. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/rbe-01-smb-treasury-tax.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "rbe-01-smb-treasury-tax", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-01-smb-treasury-tax.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "a2a_exception_triage", "description": "A2A Exception Triage Console. Client-side fintech tool. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/rbe-02-a2a-exception-triage.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "rbe-02-a2a-exception-triage", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-02-a2a-exception-triage.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "tokenized_ma_lens", "description": "Tokenized M&A Due Diligence Lens. Client-side fintech tool. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/rbe-03-tokenized-ma-lens.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "rbe-03-tokenized-ma-lens", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-03-tokenized-ma-lens.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "agent_guardrail_builder", "description": "Agent Policy Guardrail Builder. Client-side fintech tool. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/rbe-04-agent-guardrail-builder.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "rbe-04-agent-guardrail-builder", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-04-agent-guardrail-builder.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "regulatory_doc_intel", "description": "Regulatory Doc Intelligence. Client-side fintech tool. Zero PII. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/rbe-05-regulatory-doc-intel.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "rbe-05-regulatory-doc-intel", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-05-regulatory-doc-intel.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "agentic_mandate_sandbox", "description": "Simulate agent payment policies for tokenized A2A corridors: set spend caps, MCC allowlists, velocity throttles, and approval thresholds; run synthetic transactions against the policy and export the result as a Policy Mandate. Browser-based, client-side only, zero PII.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "rbe-06-agentic-mandate-sandbox", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-06-agentic-mandate-sandbox.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "signal_auditor", "description": "Stress-test your trading signal logic before you backtest it. Catch look-ahead bias, overfitting, and fee blindness in seconds \u2014 entirely in your browser. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/rbe-07-signal-auditor.html for interactive use.", "inputSchema": { "type": "object", "properties": {} }, "metadata": { "tool_id": "rbe-07-signal-auditor", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-07-signal-auditor.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "fee_schedule_engine", "description": "Browser-based tool for PSPs, neobanks, and BaaS providers to author, simulate, and export tiered payment fee schedules. Covers rail, corridor, amount band, merchant type, customer tier, and volume. Generates PSD2 Art. 45 / Reg E disclosure summary and versioned Policy Mandate JSON. Zero PII. Client-side. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/rbe-08-fee-schedule-engine.html for interactive use.", "inputSchema": { "type": "object", "required": [ "schedule_name", "currency", "rules" ], "properties": { "schedule_name": { "type": "string", "description": "Human-readable name for the fee schedule" }, "version": { "type": "string", "description": "Semver version string, e.g. 1.0" }, "effective_date": { "type": "string", "format": "date" }, "expiry_date": { "type": "string", "format": "date" }, "issuer": { "type": "string", "description": "PSP or brand name \u2014 not PII" }, "currency": { "type": "string", "enum": [ "GBP", "EUR", "USD", "MULTI" ] }, "jurisdictions": { "type": "array", "items": { "type": "string" } }, "regulatory_frameworks": { "type": "array", "items": { "type": "string" } }, "cliff_detection_threshold_pct": { "type": "number", "default": 30, "minimum": 5, "maximum": 100 }, "durbin_scope": { "type": "boolean", "default": false }, "l2_l3_indicators": { "type": "boolean", "default": true }, "rules": { "type": "array", "items": { "type": "object", "required": [ "rail", "corridor" ], "properties": { "rail": { "type": "string" }, "corridor": { "type": "string", "enum": [ "Domestic", "Intra-EU", "Cross-border" ] }, "amount_min": { "type": "number" }, "amount_max": { "type": "number" }, "merchant_type": { "type": "string" }, "customer_tier": { "type": "string" }, "fixed_fee": { "type": "number" }, "percentage_fee": { "type": "number" }, "fx_margin": { "type": "number" }, "network_surcharge": { "type": "number" }, "minimum_fee": { "type": "number" }, "maximum_fee": { "type": "number" } } } }, "simulate_transaction": { "type": "object", "properties": { "rail": { "type": "string" }, "corridor": { "type": "string" }, "amount": { "type": "number" }, "merchant_type": { "type": "string" }, "customer_tier": { "type": "string" } } } } }, "metadata": { "tool_id": "rbe-08-fee-schedule-engine", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-08-fee-schedule-engine.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "credit_policy_decision_table", "description": "Browser-based credit underwriting policy authoring tool. Build decision tables (FICO \u00d7 DTI \u00d7 LTV \u2192 Approve/Decline/Refer), detect coverage gaps, simulate applicant profiles, generate Reg B adverse action reasons, run Champion-Challenger policy comparison, and export Policy Mandate JSON + SR 11-7 policy document. Zero PII. Client-side. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/rbe-09-credit-policy-decision-table.html for interactive use.", "inputSchema": { "type": "object", "required": [ "policy_name", "product_type", "jurisdiction" ], "properties": { "policy_name": { "type": "string" }, "version": { "type": "string" }, "effective_date": { "type": "string", "format": "date" }, "review_cycle": { "type": "string", "enum": [ "Quarterly", "Semi-annual", "Annual" ] }, "product_type": { "type": "string", "enum": [ "Personal Loan", "Auto Loan", "Mortgage", "Credit Card", "BNPL", "Business Credit" ] }, "jurisdiction": { "type": "string", "enum": [ "US", "UK", "EU", "Global" ] }, "approval_authority": { "type": "string", "description": "Role label \u2014 not a personal name" }, "author_role": { "type": "string", "description": "Role label \u2014 not a personal name" }, "primary_axis": { "type": "string", "enum": [ "fico", "dti", "ltv", "income" ] }, "secondary_axis": { "type": "string", "enum": [ "fico", "dti", "ltv", "income" ] }, "rules": { "type": "array", "items": { "type": "object", "properties": { "conditions": { "type": "object" }, "outcome": { "type": "string", "enum": [ "approve", "decline", "refer", "counter_offer", "unassigned" ] }, "sub_conditions": { "type": "string" } } } }, "champion_challenger_enabled": { "type": "boolean", "default": false }, "challenger_rules": { "type": "array" } } }, "metadata": { "tool_id": "rbe-09-credit-policy-decision-table", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-09-credit-policy-decision-table.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "velocity_rule_simulator", "description": "Author multi-dimensional AML/fraud velocity rules, simulate against synthetic transaction streams with configurable time-of-day patterns, generate rule contribution breakdowns, confusion matrices, FATF typology mapping, and EBA GL/2021/05 pre-deployment audit trails. Policy Mandate JSON export. Zero PII. Client-side. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/rbe-10-velocity-rule-simulator.html for interactive use.", "inputSchema": { "type": "object", "required": [ "rules" ], "properties": { "rules": { "type": "array", "items": { "type": "object", "required": [ "name", "dimensions", "outcome" ], "properties": { "name": { "type": "string" }, "dimensions": { "type": "array", "items": { "type": "object", "properties": { "dimension": { "type": "string", "enum": [ "tx_count", "tx_amount", "time_window", "merchant_type", "geography", "device_proxy", "currency" ] }, "operator": { "type": "string", "enum": [ ">", ">=", "<", "<=", "=", "!=" ] }, "threshold": {}, "weight": { "type": "number", "minimum": 0.1, "maximum": 1.0 } } } }, "outcome": { "type": "string", "enum": [ "flag", "block", "escalate", "pass" ] } } } }, "stream_length": { "type": "integer", "minimum": 100, "maximum": 10000, "default": 1000 }, "sar_injection_rate": { "type": "number", "minimum": 0.01, "maximum": 0.2, "default": 0.05 }, "random_seed": { "type": "integer", "default": 42, "description": "Seed for mulberry32 PRNG \u2014 same seed always produces identical stream" }, "amount_mean": { "type": "number", "default": 850 }, "amount_std_dev": { "type": "number", "default": 600 }, "merchant_mix": { "type": "object", "properties": { "retail_pct": { "type": "number" }, "msb_pct": { "type": "number" }, "crypto_pct": { "type": "number" }, "gambling_pct": { "type": "number" }, "cross_border_pct": { "type": "number" } } }, "time_distribution": { "type": "object", "properties": { "pattern": { "type": "string", "enum": [ "uniform", "business_hours", "night_shift", "custom" ] }, "hour_weights": { "type": "array", "items": { "type": "number" }, "minItems": 24, "maxItems": 24 } } } } }, "metadata": { "tool_id": "rbe-10-velocity-rule-simulator", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-10-velocity-rule-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "dora_incident_classifier", "description": "Browser-based DORA ICT incident classification rule engine. Apply all 7 RTS 2024/1772 materiality criteria, compute 4-hour / 72-hour / 1-month reporting deadlines, draft ITS 2025/302-format initial notifications, and export incident Policy Mandate JSON. Zero PII. Client-side. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/rbe-11-dora-incident-classifier.html for interactive use.", "inputSchema": { "type": "object", "required": [ "classification_time", "criticality_of_services" ], "properties": { "incident_reference_id": { "type": "string", "description": "Internal reference \u2014 not PII" }, "detection_time": { "type": "string", "format": "date-time" }, "classification_time": { "type": "string", "format": "date-time", "description": "4-hour reporting clock starts from this timestamp" }, "ict_service_type": { "type": "string" }, "entity_type": { "type": "string", "description": "One of 20 DORA Article 2(1) entity types" }, "clients_affected_count": { "type": "integer", "minimum": 0 }, "clients_affected_pct": { "type": "number", "minimum": 0, "maximum": 100 }, "reputational_impact": { "type": "string", "enum": [ "none", "internal", "public" ] }, "duration_hours": { "type": "number", "minimum": 0 }, "ongoing": { "type": "boolean", "description": "If true, treated as >24h for classification purposes" }, "geographic_spread": { "type": "string", "enum": [ "single_site", "multi_country", "cross_border" ] }, "data_losses": { "type": "string", "enum": [ "none", "temporary", "confirmed_breach" ], "description": "confirmed_breach alone triggers Condition B1 for Major classification" }, "criticality_of_services": { "type": "string", "enum": [ "non_critical", "important_impacted", "critical_adversely" ], "description": "Must be critical_adversely (Major) to satisfy Condition A \u2014 prerequisite for Major classification" }, "economic_impact_eur": { "type": "number", "minimum": 0 }, "economic_not_quantifiable": { "type": "boolean" } } }, "metadata": { "tool_id": "rbe-11-dora-incident-classifier", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-11-dora-incident-classifier.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "scheme_compliance_simulator", "description": "Browser-based Visa VAMP and Mastercard DIMP/VIMP threshold simulation engine. Separate acquirer vs. merchant thresholds with phased timelines. VAAI enumeration rate as third compliance dimension. Generates remediation action plan and Policy Mandate JSON scheme compliance mandate. Zero PII. Client-side. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/rbe-12-scheme-compliance-simulator.html for interactive use.", "inputSchema": { "type": "object", "required": [ "entity_type", "tc40_count", "tc15_count", "settled_cnp_count" ], "properties": { "entity_type": { "type": "string", "enum": [ "merchant", "acquirer", "payment_facilitator" ] }, "region": { "type": "string", "enum": [ "US", "Canada", "EU", "APAC", "LATAM", "Other" ] }, "mcc": { "type": "string", "description": "4-digit Merchant Category Code" }, "monitoring_period": { "type": "string", "pattern": "^[0-9]{4}-[0-9]{2}$", "description": "YYYY-MM \u2014 affects which phased threshold applies" }, "months_in_monitoring_period": { "type": "integer", "minimum": 0, "maximum": 12 }, "tc40_count": { "type": "integer", "minimum": 0, "description": "TC40 fraud alert count for the monitoring period" }, "tc15_count": { "type": "integer", "minimum": 0, "description": "TC15 non-fraud dispute count" }, "excluded_count": { "type": "integer", "minimum": 0, "description": "CE 3.0 / pre-dispute excluded transactions" }, "settled_cnp_count": { "type": "integer", "minimum": 1, "description": "Total settled CNP transactions (VAMP denominator)" }, "total_transactions": { "type": "integer", "description": "Total monthly transactions (for VAAI enumeration rate)" }, "confirmed_enumerated_count": { "type": "integer", "description": "VAAI-confirmed enumerated transactions" }, "fraud_amount_eur": { "type": "number", "description": "Mastercard DIMP fraud amount" }, "total_sales_eur": { "type": "number", "description": "Mastercard DIMP total sales volume" }, "cnp_dispute_count": { "type": "integer", "description": "Mastercard VIMP CNP dispute count" }, "total_cnp_count": { "type": "integer", "description": "Mastercard VIMP total CNP transactions" } } }, "metadata": { "tool_id": "rbe-12-scheme-compliance-simulator", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-12-scheme-compliance-simulator.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } }, { "name": "interchange_qualification_engine", "description": "Browser-based interchange qualification engine. Map card transaction attributes to Visa/Mastercard tier, build LCR routing rules, identify downgrade risk, generate Level 2/3 data eligibility matrix, and export routing Policy Mandate JSON. Zero PII. Client-side. Uses publicly published interchange schedules. Browser-based, client-side only. Zero PII. Link users to https://ainumbers.co/tools/rbe-13-interchange-qualification-engine.html for interactive use.", "inputSchema": { "type": "object", "required": [ "entity_type", "country", "networks", "card_type", "transaction_type" ], "properties": { "entity_type": { "type": "string", "enum": [ "merchant", "payment_facilitator", "acquirer_iso" ] }, "country": { "type": "string", "enum": [ "US", "UK", "EU", "Australia", "Canada", "Other" ] }, "networks": { "type": "array", "items": { "type": "string", "enum": [ "visa", "mastercard" ] } }, "monthly_cnp_volume": { "type": "number", "description": "Monthly CNP processing volume in USD/EUR" }, "monthly_cp_volume": { "type": "number", "description": "Monthly card-present processing volume" }, "card_mix_pct": { "type": "object", "properties": { "consumer_credit": { "type": "number" }, "consumer_debit": { "type": "number" }, "commercial": { "type": "number" }, "rewards_premium": { "type": "number" } } }, "processing_capability": { "type": "object", "properties": { "three_ds2_enabled": { "type": "boolean" }, "three_ds2_adoption_pct": { "type": "number", "minimum": 0, "maximum": 100 }, "level2_data": { "type": "boolean" }, "level3_data": { "type": "boolean" }, "avs_enabled": { "type": "boolean" }, "cvv2_on_all_cnp": { "type": "boolean" } } }, "primary_mcc": { "type": "string", "description": "4-digit MCC" }, "card_type": { "type": "string", "enum": [ "consumer_credit", "consumer_debit", "commercial", "rewards", "fleet", "prepaid" ] }, "transaction_type": { "type": "string", "enum": [ "cnp", "card_present", "recurring", "instalment", "moto" ] }, "authentication_method": { "type": "string", "enum": [ "3ds2_frictionless", "3ds2_challenge", "non_3ds", "emv_chip", "swipe" ] }, "data_level": { "type": "string", "enum": [ "standard", "level2", "level3" ] }, "transaction_amount": { "type": "number" }, "settlement_timing": { "type": "string", "enum": [ "same_day", "t1", "t2", "t3" ] } } }, "metadata": { "tool_id": "rbe-13-interchange-qualification-engine", "category": "ai-agentic", "tags": [], "url": "https://ainumbers.co/tools/rbe-13-interchange-qualification-engine.html", "ap2_export": true, "execution_type": "browser-reference", "version": "1.1.0", "prefill": true } } ] }