OpenChainGraph Suite · CONTRACT A3 · arch #5

Instant Payments Compliance

Note (dated 2026-08-04): a chain composes independent computations performed in an analytical order. No step's output is carried into the next step by the execution model; each step computes from its own declared inputs. This is true of every chain on this site, including chains whose per-step copy below reads as a data handoff.

FedNow service lookup and reachability > instant payment limits assessment > pay-by-bank prototyping — composite instant payments compliance mandate.

OpenChainGraph · 3 Steps payment mandate Hash-Anchored §4 chain_depth:3 Client-Side · Zero PII
Chain Topology — Fednow Lookup → Instant Payment Limits → Pay By Bank Prototyper
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Market Rationale
Buyer: Real-Time Payments Product Manager at US bank or fintech
Forcing function: FedNow launched Jul 2023; EU Instant Payments Regulation mandatory 2025; UK FPS uplift
Chain Stages · 3 Steps
1 ROOT · D0 catalog
Fednow Lookup 06-fednow-lookup
fednow_reachability and participant_status feed Stage 2 instant payment limits
↓
2 D2 catalog
Instant Payment Limits 17-instant-payment-limits
limit_analysis and velocity_constraints feed Stage 3 pay-by-bank prototyping
↓
3 TERMINAL · D3 catalog
Pay By Bank Prototyper 08-pay-by-bank-prototyper
pay_by_bank_design and composite_instant_payments_mandate — final instant payments mandate
▶ Run this chain (live) browser · real execution · composite §4 hash
Export Artifacts
Download the §4 chain definition artifact (hash-anchored composite JSON) or the §13.11 W3C Verifiable Credentials view. Both derive from the chain definition — no new hash is minted. Available after hash computation.