Tool 27 · Reference

A2A Settlement Finality Comparator

Compare settlement finality rules, irrevocability windows, and dispute timelines across FedNow, RTP, ACH, SEPA Instant, PIX, UPI, and Zengin. Essential reference for A2A product design.

Zero PII · Client-Side Only 7 Rails · 5 Counterparty Tiers Finality Score · Credit Exposure Simulated · Illustrative Only
Configuration Simulated data
Rail Selection
Select Rails to Compare 1–7 rails
Transaction Parameters
Transaction Amount (USD) $500,000
Range: $1 – $10,000,000
Counterparty Risk Tier
⚠ Disclaimer Simulation prototype only. Not for production use with real money, accounts, or PII. All finality scores and exposure figures are illustrative estimates based on embedded mock data and public rail specifications.
Scoring Formula
finality_score =
  100
  − reversal_penalty
  + RTGS_bonus
  − risk_adjustment

credit_exposure =
  amount × reversal_days
  × default_probability
Settlement Finality Report Simulated · Illustrative
⚖️
No Comparison Yet
Select one or more rails, set your transaction amount and counterparty risk tier, then click Run Comparison to generate a finality report.

What it simulates: The A2A Settlement Finality Comparator models settlement risk across seven major instant and near-instant payment rails: FedNow, RTP (The Clearing House), Same-Day ACH, SEPA Instant Credit Transfer, UK Faster Payments, Brazil PIX, and India UPI. Each rail is scored on a 0–100 finality index based on reversal window duration, settlement model (RTGS vs. deferred net), and regulatory finality recognition. Credit exposure is estimated as the product of transaction amount, reversal window (in fractional days), and a counterparty default probability mapped to the selected risk tier.

Target audience: Bank treasury teams, correspondent banking desks, fintech product managers, and payment operations leads who need a fast reference for settlement risk conversations with clients or regulators.

Scoring methodology: Finality score = 100 − reversal_penalty + RTGS_bonus − risk_adjustment. A score of 95+ indicates near-unconditional finality (typical of RTGS/gross settlement rails). Scores below 70 indicate significant reversal risk. Credit exposure = amount × reversal_days × default_probability. All parameters are embedded as static illustrative data.

Data privacy note: This tool calculates settlement risk using client-side logic. No real transaction data, account information, or PII is processed or transmitted. All figures are labeled as simulated.

This tool calculates settlement risk using mock inputs and public rail specifications. No real transaction data, account information, or PII is processed or transmitted. All processing happens in your browser. No data is sent to any server. No analytics, no cookies, no telemetry.