Tool 84 · Ops & Monitoring

A2A Real-Time
Migration Lab

A five-stage operational playbook for migrating payment flows to real-time A2A rails — FedNow, RTP, or open-banking VRP. From cost baseline and rail scoring through liquidity modelling, compliance gating, synthetic test data generation, and a board-ready go-live playbook. Entirely client-side. Zero PII.

Zero PII · Client-Side Only 5 Stages · Playbook Export 🧪 Synthetic Data Generator AP2 JSON Mandate
How to use this tool Work through all five stages in order. Stage 2 unlocks only after your prefunding model meets the minimum threshold. Stage 3 gating checks compliance completeness. Stages 1–4 feed Stage 5's board-ready Go-Live Playbook. You can return to any earlier stage using the stage bar above. Upstream context: Tool 78 (Smart Routing Advisor) and Tool 01 (A2A Fee Calculator).

Stage 1 — Business Case & Rail Selection

Define your payment profile, select the target A2A rail, and establish a cost baseline. Rail scores are computed from your inputs.

Payment Profile
Primary Migration Driver
Target Rail
⚠ Please select a migration driver and target rail before continuing.

Stage 2 — Liquidity & Prefunding Strategy

Model your intraday cash flow requirements and prefunding strategy. Stage 3 unlocks only after the prefunding model has been run. Upstream: Tool 39 (A2A Liquidity Simulator), Tool 79 (Dynamic Discounting).

Intraday Cash Flow Inputs
40%
Amount held in reserve at start of settlement day
4.50%
Prefunding Window Strategy
⚠ Enter daily volume, prefunding buffer, and select a prefunding window to run the model.

Stage 3 — Compliance, Fraud & Consent

Complete jurisdiction requirements, APP fraud liability assessment, and consent flow design. All three sections must be reviewed before Stage 4 unlocks. Upstream: Tool 18, Tool 04, Tool 03.

Jurisdiction & Regulatory Scope
APP Fraud Liability Model
APP Fraud — Rail-Specific Liability Under UK PSR PSP reimbursement rules (live Oct 2024), mandatory 50/50 split between sending and receiving PSP. US: NACHA WEB debit rules require account validation. EU PSD3 strong authentication (SCA) obligation shifts liability to PSP if SCA was not enforced. Select your applicable liability model below.
Consent Flow Design
⚠ Select jurisdiction, fraud liability model, and consent flow to proceed.

Stage 4 — Testing, Ops & Incident Readiness

Generate synthetic test data, configure reconciliation logic, and build P1–P4 incident runbooks. Upstream: Tool 15, Tool 09, Tool 22, Tool 40.

Synthetic Test Batch Generator
ACH / FedNow Format-Valid Synthetic Records Generates randomised but format-valid test records for UAT and integration testing. Records are entirely synthetic — no real account numbers or routing numbers are used. FedNow records follow ISO 20022 pacs.008 field structure.
Reconciliation Configuration
Incident Runbook — P1 to P4

Stage 5 — Go-Live Playbook Export

Review the full migration playbook synthesised from Stages 1–4. Export as Markdown for board delivery or AP2 JSON for system ingestion.

Migration Summary
Go-Live Phase Checklist
Migration Playbook
Click "Generate Playbook" to synthesise a board-ready A2A migration playbook from your Stage 1–4 inputs.