A comprehensive infrastructure suite for fintech engineers, product leads, BaaS compliance teams, and sponsor bank programme managers. Thirteen purpose-built tools covering BaaS provider comparison, FBO account structures, double-entry ledger architecture, BIN sponsorship economics, wallet float yield, settlement orchestration, fintech compliance controls, marketplace payout design, embedded lending unit economics, programme agreement modelling, sponsor bank readiness, card programme launch, and AP2 mandate building — all client-side, zero PII.
A six-stage path for fintech teams designing and launching embedded finance programmes.
Thirteen purpose-built tools for fintech teams building and operating embedded finance programmes. All run entirely in your browser — no account, no data transmission.
Score and compare BaaS providers against a capability matrix across 10 enterprise dimensions: regulatory standing, programme management, card issuance, ACH/RTP rails, KYC/KYB support, dispute handling, developer experience, pricing model, FDIC pass-through, and compliance tooling. Provider reference data embedded as a static, user-adjustable table. Outputs weighted comparison matrix and Markdown evaluation memo. Client-side. Zero PII.
Open ToolVisual simulator for FBO account structures. Model omnibus vs. subledger architectures, pooled accounts, settlement timing, and FDIC pass-through eligibility. Outputs operational risk score, reconciliation burden estimate, and Markdown architecture memo. Client-side. Zero PII.
Open ToolInteractive double-entry ledger designer. Configure accounts, reserves, pending balances, fee accounts, reversal logic, holds, and chargeback flows. Select architecture pattern: monolithic, event-sourced (CQRS), or multi-ledger with reconciliation bridge. Outputs ledger event diagrams and Markdown architecture memo. Client-side. Zero PII.
Open ToolModel BIN sponsorship economics: interchange income, rebate share, BIN rental fee, network dues, fraud loss, reserve requirement, and programme volume. Outputs gross margin per transaction, take-rate waterfall chart, and break-even volume. Client-side. Zero PII.
Open ToolCalculate float revenue on stored value balances. Inputs: average wallet balance, user count, Fed Funds rate slider, reserve requirement, FDIC pass-through eligibility. Outputs float revenue projection, reserve drag, net yield, and Markdown treasury memo. Client-side. Zero PII.
Open ToolModel settlement orchestration across T+0, T+1, and intraday windows. Outputs settlement failure path analysis, prefunding cost model, liquidity buffer sizing, and Markdown settlement design memo. Client-side. Zero PII.
Open ToolMap BaaS-specific compliance controls: Reg E, UDAAP, card network obligations, and sponsor bank programme management. Explicitly excludes general AML/KYC — those belong in Cat-12. Outputs heatmap, maturity score, and Policy Mandate JSON control register. Client-side. Zero PII.
Open ToolDesign end-to-end marketplace payout architecture: split payment logic, escrow timing, reserve logic, refund priority, seller risk tiers, and rail selection. Full payout system design — distinct from Cat-13 T151 (escrow mechanics only). Outputs payout architecture diagram and Policy Mandate JSON payout manifest. Client-side. Zero PII.
Open ToolScope: B2B and commercial lending only — consumer BNPL economics belong in Cat-16. Model origination cost, APR, default rate, loss curve, cost of capital, and servicing overhead. Outputs NIM, expected loss, RAROC, and Markdown unit economics memo. Client-side. Zero PII.
Open ToolModel BaaS programme agreement economics: revenue share splits, expense allocation, volume commitments, ramp schedules, and penalty clauses. Outputs programme P&L waterfall by year and Markdown programme economics memo. Client-side. Zero PII.
Open ToolScore fintech programme readiness for sponsor bank partnership. Outputs sponsor bank risk posture score, operational complexity score, recommended control layers, Markdown readiness memo, and Policy Mandate JSON programme control register. Client-side. Zero PII.
Open ToolStructured checklist for Visa and Mastercard card programme launch: BIN sponsorship, card scheme registration, KYC/KYB onboarding, Reg E compliance, network rule acknowledgement, fraud monitoring, and dispute resolution setup. Outputs readiness score and Markdown project plan. Client-side. Zero PII.
Open ToolAnchor agentic tool for Cat-14. Translate BaaS programme controls, settlement policies, and compliance obligations into a structured Policy Mandate JSON. Outputs validated Policy Mandate JSON BaaS mandate, human-readable policy summary, and agent instruction set for MCP ingestion. Client-side. Zero PII.
Open ToolLast reviewed: May 2026 · 13 tools · Cat-14 · Embedded Finance & BaaS
Design FBO account structures (T153), architect double-entry ledgers (T154), model settlement orchestration (T157), and export AP2 BaaS mandates (T164) for agent runtime integration.
Score BaaS providers (T152), model BIN sponsorship economics (T155), project wallet float yield (T156), and model programme agreement P&L waterfalls (T161).
Map Reg E, UDAAP, and card network controls (T158), score sponsor bank readiness (T162), run card programme launch checklists (T163), and generate AP2 compliance mandates (T164).
Model BIN sponsorship economics (T155), run card programme launch readiness checks (T163), and score your programme against sponsor bank requirements (T162).
Design end-to-end marketplace payout flows with split payment logic, escrow, and reserve design (T159). Differentiated from Cat-13 T151 which covers escrow mechanics only.
Project wallet float yield against Fed Funds rate (T156), model embedded lending NIM and RAROC (T160), and stress-test programme agreement revenue share structures (T161).
Use T152 — BaaS Provider Comparator to score providers across 10 capability dimensions. Adjust the weighting matrix to reflect your programme priorities. Export the evaluation memo as your vendor selection rationale.
Use T153 — FBO Account Structure Simulator to choose between omnibus and subledger models, then design your double-entry ledger in T154 — Ledger Architecture Builder. Export both architecture memos before any vendor engagement.
Use T155 — BIN Sponsorship Economics Simulator for the interchange waterfall and T156 — Wallet Float Yield Estimator for stored value revenue. These two tools together define your unit economics before contract negotiation.
Use T158 — Fintech Compliance Control Mapper to assess Reg E, UDAAP, and card network obligations. Score your programme readiness for sponsor bank partnership with T162. Export the AP2 control register from both tools.
Use T163 — Card Programme Launch Readiness Checker to validate all Visa/Mastercard scheme requirements, dispute resolution setup, and fraud monitoring before go-live.
Use T164 — AP2 BaaS Infrastructure Mandate Builder to translate all programme controls and policies into a structured Policy Mandate JSON for agent runtime ingestion via MCP.
All 13 tools expose structured outputs compatible with the AINumbers MCP manifest. Use the tool IDs below with any MCP-capable agent.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| T152 | compare_baas_providers | providers[], dimensions[], weights{} | comparison_matrix{}, winner, markdown_memo |
| T153 | simulate_fbo_account_structure | architecture_type, pooling_config{}, settlement_timing | risk_score, reconciliation_burden, markdown_memo |
| T154 | build_ledger_architecture | pattern_type, accounts[], reserve_config{}, flow_rules[] | event_diagram{}, ledger_spec{}, markdown_memo |
| T155 | model_bin_sponsorship_economics | interchange_rate, rebate_share, bin_fee, network_dues, volume | gross_margin, take_rate_waterfall{}, break_even_volume |
| T156 | estimate_wallet_float_yield | avg_balance, user_count, fed_funds_rate, reserve_pct, fdic_eligible | float_revenue, reserve_drag, net_yield, markdown_memo |
| T157 | simulate_settlement_orchestration | window_type, prefunding_config{}, liquidity_buffer | failure_path_analysis{}, prefunding_cost, markdown_memo |
| T158 | map_fintech_compliance_controls | entity_type, jurisdiction, products[], control_inventory{} | heatmap{}, maturity_score, policy_mandate_json{} |
| T159 | design_marketplace_payout_flow | split_logic{}, escrow_timing, reserve_config{}, seller_risk_tiers[] | payout_architecture{}, policy_mandate_json{} |
| T160 | model_embedded_lending_unit_economics | origination_cost, apr, default_rate, loss_curve{}, cost_of_capital | nim, expected_loss, raroc, markdown_memo |
| T161 | model_programme_agreement_economics | revenue_share{}, expense_allocation{}, volume_commitments[], ramp_schedule | programme_pl_waterfall{}, markdown_memo |
| T162 | score_sponsor_bank_readiness | programme_config{}, control_layers[], entity_type | risk_posture_score, complexity_score, policy_mandate_json{} |
| T163 | check_card_programme_launch_readiness | network_type, programme_config{}, checklist_scope[] | readiness_score, checklist_results{}, markdown_plan |
| T164 | build_ap2_baas_mandate | programme_controls{}, settlement_policies{}, compliance_obligations{} | policy_mandate_json{}, agent_instructions[], policy_summary |