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)

Consent Flows

Redirect Failure %

Auth Failure %

Token Exchange Failure %

Expiry Rate %

Revocation Rate %

Regulatory Regime

Seed