Tool 82 · Core Infrastructure

A2A Payment Rail
Optimization Command Center

Five-stage strategic rail selection framework: score FedNow, RTP, Same-Day ACH, SEPA Instant, and SWIFT gpi against your use case → model all-in costs → quantify liquidity impact → map compliance obligations → export a Nygard ADR with NPV/IRR business case. Powered by the largest A2A tool cluster in the suite (Tools 01, 09, 17, 18, 23, 39, 46, 78). Entirely client-side. Zero PII.

Zero PII · Client-Side Only 5 Stages · ADR Export 📊 NPV / IRR Analysis 8 Upstream Tools
How to use this tool Work through all five stages in order. Each stage unlocks the next after required selections are made. Stage 1–4 gather your use-case inputs; Stage 5 generates a complete Nygard-format ADR with NPV/IRR business case. Use the stage bar above to navigate between completed stages. References Tool 78 (Smart Routing Advisor).
Stage 1 — Use Case & Rail Scoring
Payment Corridor
Payment Type
Monthly Volume
Primary Decision Driver
⚠ Complete all required fields: corridor, payment type, volume, average size, and primary driver.
Rail Scoring Matrix · Tool 78 reference → Open Tool 78

Rail scores update live as you make selections. The composite score weights your primary driver at 40% and distributes 20% each across the remaining three dimensions.

← Select a primary driver to see scored rail options.

Stage 2 — Cost Modeling

References Tool 01 (A2A Fee Calculator) and Tool 23 (Cross-Border Corridor Savings).

Rail Selection

Confirm your primary rail (pre-filled from Stage 1 recommendation):

Current Rail Costs
Target Rail Fee Schedule
⚠ Select a rail and enter current + target fee data to continue.
Cost Analysis · Tools 01 & 23 → Open Tool 01

Annual cost comparison updates as you enter fee data. All figures annualised using your Stage 1 monthly volume × 12.

← Select rail and enter cost data to see comparison.

Stage 3 — Liquidity Modeling

References Tool 39 (A2A Liquidity Simulator).

Settlement Timeline
Cost of Funds
Prefunding Requirements
⚠ Enter daily volume and cost of funds to continue.
Liquidity Impact · Tool 39 → Open Tool 39

Liquidity model computes float reduction, idle capital saving, prefunding cost, and net annual benefit from accelerated settlement.

← Enter settlement and liquidity parameters.

Stage 4 — Compliance & Limits

References Tool 17 (Instant Payment Limits) and Tool 18 (A2A Compliance Checklist).

Jurisdictions

Select all applicable jurisdictions for your payment flow:

Originator Type
Transaction Characteristics
⚠ Select at least one jurisdiction and originator type to continue.
Compliance Obligations & Limit Reference · Tools 17 & 18 → Tool 17

Compliance obligations and per-transaction limit tables for your selected rail and jurisdictions. Flags will carry into the Stage 5 business case.

← Select jurisdictions and originator type to generate compliance checklist.

Stage 5 — Business Case & ADR Export

References Tool 46 (Payment ROI Builder) and Tool 09 (Reconciliation Workbench). Review your selections and generate the Nygard ADR with full financial model.

Selection Summary
Readiness Scorecard
Business Case — NPV / IRR / Payback
Architecture Decision Record
Click "Generate ADR" to create a Nygard Architecture Decision Record with full business case for your A2A rail selection.