SIM-07 · Regulatory Compliance & Resilience · PSD2 / FAPI 2.0 / CDR · Consent FSM

Open Banking Consent Flow Stress Simulator

Monte Carlo stress simulation of the PSD2/FAPI 2.0/CDR consent lifecycle. Each consent is driven through a finite state machine (INIT→REDIRECT→AUTH→AUTHORIZED→ACTIVE→REVOKED/EXPIRED/FAILED) with configurable failure probabilities at each transition. Surfaces success rate, failure mode breakdown, and FAPI 2.0 compliance exposure. Chains from PNR-01 (Payment Network Risk).

simulate_consent_stress compliance_mandate PSD2 Art. 66/67 FAPI 2.0 CDR Australia Open Banking UK
Preset 1
Standard PSD2
2,000 consents · low base failure · ASPSP redirect
Preset 2
Elevated Failure
1,500 consents · high auth failure · infrastructure stress
Preset 3
FAPI 2.0 Strict
2,500 consents · token expiry + revocation pressure
Consent FSM — PSD2 Article 66/67 + FAPI 2.0 Baseline Profile
INIT → REDIRECT → AUTH → AUTHORIZED → ACTIVE → FAILED/EXPIRED/REVOKED
Chain Intake — paste AP2 JSON from PNR-01 (Payment Network Risk Monitor)

Ask your agent

Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

Run the AINumbers MCP tool `simulate_consent_stress`. Task: Simulate open banking consent flow stress under PSD2/PSD3 and returns a compliance_mandate with revocation rates, TPP coverage, and SLA breach metrics.
Call it with arguments: {"policy_parameters":{"nConsents":500,"seed":42,"regime":"psd2","pRedirectFail":0.03,"pAuthFail":0.08,"pTokenFail":0.02,"pExpiry":0.05,"pRevoke":0.04}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/sim-07-open-banking-consent-flow-stress.html#p=v1.H4sIAAAAAAAA_wGBAH7_eyJuQ29uc2VudHMiOjUwMCwic2VlZCI6NDIsInJlZ2ltZSI6InBzZDIiLCJwUmVkaXJlY3RGYWlsIjowLjAzLCJwQXV0aEZhaWwiOjAuMDgsInBUb2tlbkZhaWwiOjAuMDIsInBFeHBpcnkiOjAuMDUsInBSZXZva2UiOjAuMDR937VpI4EAAAA