Whether you're launching embedded finance for the first time, switching BaaS providers, or adding card issuance to an existing programme, the decisions you need to make — and the tools that inform them — differ significantly. Pick your scenario below to run the right four-tool chain for your situation.
Steps 1 and 4 are common to all scenarios. Steps 2 and 3 swap to the tools most relevant to your programme stage.
Compare leading BaaS and embedded finance infrastructure providers across FDIC pass-through coverage, card issuance capabilities, ACH and RTP rail access, KYC/AML tooling depth, compliance support model, developer experience, and pricing structure. For a greenfield launch this is provider selection; for a migration it surfaces the capability gaps driving the switch; for a card addition it confirms your current provider can support the new product or flags that a supplementary partner is needed.
Design the complete fee schedule for your new programme — transaction fees, monthly maintenance fees, ATM fees, foreign transaction fees, NSF/overdraft fees, and any programme-specific charges. The engine validates your fee structure against the CFPB UDAP/UDAAP standard, Reg E disclosure requirements, and network rules (Visa/Mastercard fee schedule constraints). Output is a structured fee schedule document ready for programme agreement negotiation with your sponsor bank and BaaS provider.
Score your sponsor bank partner's readiness across the dimensions that determine programme launch success: regulatory posture (OCC/FDIC enforcement history, CRA ratings), technology integration depth (API maturity, FBO account model, real-time reporting), compliance support model, and contract terms flexibility. The scorer surfaces hidden risks in the bank partnership before you sign a programme agreement — especially important for greenfield programmes where the bank relationship is being established for the first time.
Translate your BaaS programme controls — provider selection, fee schedule, credit policy, settlement model, card programme parameters — into a validated AP2 Policy Mandate. The mandate includes a human-readable policy summary and an agent_instructions array deployable to an MCP agent runtime for automated programme monitoring. Built-in validation catches contradictions between policy dimensions before export — for example, a credit policy that conflicts with your Reg E fee schedule obligations.
After running this chain you will have: a provider scorecard confirming your BaaS platform selection (T152), a fee schedule validated against CFPB UDAP/UDAAP and Reg E (RBE-08), a sponsor bank readiness score with contract risk flags (T162), and a validated AP2 BaaS Policy Mandate that structures the full programme design in a board-ready, MCP-ingestible format (T164).
The AP2 mandate from T164 is not just a compliance document — the agent_instructions array can be deployed to an MCP agent runtime to enforce programme policy automatically as transactions flow, turning a design artefact into live operational guardrails.