Fourteen deterministic, browser-based tools covering the full cross-border payments lifecycle — from FX margin deconstruction and correspondent risk modelling through ISO 20022 pacs.008 generation, FATF Travel Rule compliance, corridor cost ranking, and G20/FSB finality benchmarking. SWIFT CBPR+ and ISO 20022 aligned. Zero PII.
Follow this six-stage path to deconstruct, route, execute, and validate a cross-border payment end-to-end.
Follow the 6-step workflow below to navigate by use case, or scroll to any tool group directly. All tools run in your browser — no account, no data transmission.
Open T209 to deconstruct any provider's quoted rate into mid-market spread and implied margin in bps. Compare up to 3 providers and benchmark against corridor percentiles from World Bank RPW data.
Score corridor failure probability across originator tier, chain length, jurisdiction risk, and purpose code. Then compare hedging instruments — forward, NDF, option, collar — with payoff diagrams and Greeks.
Rank B2B corridors by all-in cost across bank wire, fintech, and stablecoin. Compare 10 international rails by cost, speed, finality, and G20/FSB target compliance.
Assess FX settlement risk, model PvP mechanics, classify EM currency convertibility tiers, and understand IBOR transition fallbacks for your instruments.
Generate a fully compliant ISO 20022 pacs.008.001.12 with RFC 4122 UETR, CBPR+ validation, and MT103 mapping. Compare settlement transparency and D+0 finality across 11 major rails for G20/FSB 2027 compliance.
Determine Travel Rule data obligations for any cross-border wire or virtual asset transfer across FinCEN, EU TFR, UK MLR, MAS, AUSTRAC, FINMA, and FATF R.16 baseline.
Deconstruct any provider's quoted rate into mid-market spread and implied margin in bps. Compare up to 3 providers, benchmark against corridor percentiles (P10–P90) from World Bank RPW data. Scope: retail and SME FX spreads. For treasury hedging see Tool 76. Outputs Markdown cost memo and Policy Mandate JSON FX policy. Client-side. Zero PII.
Open ToolModel failure probability for cross-border payment instructions across four factors: originator bank tier, correspondent chain length, beneficiary jurisdiction risk, and payment purpose code. Outputs failure probability score, cause distribution, and ranked mitigations. Client-side. Zero PII.
Open ToolCompare deliverable forward, NDF, vanilla FX option, participating forward, and zero-cost collar. Payoff diagrams, premium cost, hedge effectiveness, option Greeks (Delta, Gamma, Theta, Vega via Garman-Kohlhagen), Markdown hedging strategy memo, and Policy Mandate JSON hedging policy. Client-side. Zero PII.
Open ToolCompare 10 international and domestic real-time payment rails by cost, speed, finality, and G20/FSB target compliance. Select origin region, destination, payment type, and urgency. Outputs cost-speed-finality matrix, recommended rail, and Policy Mandate JSON routing policy. Client-side. Zero PII.
Open ToolModel subsidiary-level FX exposure across a multi-entity corporate structure. Input intercompany receivables/payables by currency for up to four entities. Identifies natural hedges, calculates net FX exposure per entity and currency, produces an exposure matrix with a Markdown memo. Client-side. Zero PII.
Open ToolCalculate the RFR equivalent for any legacy IBOR rate using ISDA 2020 fallback spread adjustments. Covers SOFR (ARRC), €STR (ECB), SONIA (BoE), TONA (BoJ), SARON (SNB). Outputs replacement rate, spread adjustment in bps, and fallback language reference. Client-side. Zero PII.
Open ToolAssess FX settlement risk for CLS-eligible versus non-CLS trades. Quantifies principal risk, replacement cost (97.5th percentile), Herstatt risk window, expected loss, and CLS netting benefit. Reference: BIS PvP guidance (November 2022). Client-side. Zero PII.
Open ToolRank cross-border B2B corridors by total all-in cost: FX margin + correspondent fee + SWIFT message fee + lifting and beneficiary charges. Compare bank wire vs. fintech aggregator vs. stablecoin settlement across 10 corridors. G20/FSB 1% target flag. Outputs Policy Mandate JSON routing policy. Client-side. Zero PII.
Open ToolClassify EM FX risk for 40+ currencies: convertibility tier, capital controls, NDF market depth, annualised volatility, and recommended hedging approach. IMF AREAER 2024 data. Client-side. Zero PII.
Open ToolModel PvP mechanics for bilateral FX settlement: CLS vs. bilateral PvP vs. sequential settlement. Settlement risk exposure comparison, timing mismatch, netting efficiency, BIS alignment, and Markdown PvP design memo. Reference: BIS PvP guidance (Nov 2022). Client-side. Zero PII.
Open ToolGenerate a fully compliant ISO 20022 pacs.008.001.12 FIToFICstmrCdtTrf with RFC 4122 UUID v4 UETR, SR2026 schema validation, CBPR+ requirements check, and MT103 field mapping. Downloadable pacs.008 XML and Policy Mandate JSON payment instruction stub. Client-side. Zero PII.
Open ToolModel the operational and cost impact of correspondent banking de-risking on a payment corridor. Simulate loss of 1, 2, or all active correspondent relationships. Hop count increase, incremental cost, volume at risk, alternative routing, and corridor vulnerability score. Client-side. Zero PII.
Open ToolCompare settlement transparency and finality across 11 major cross-border rails. G20/FSB 2027 target alignment (cost <1%, speed <1hr). Filter by rail type. Finality comparison table, G20 compliance scorecard, and Policy Mandate JSON rail policy. Client-side. Zero PII.
Open ToolDetermine Travel Rule data obligations for any cross-border wire or virtual asset transfer. Covers US FinCEN (31 CFR 1010.410), EU TFR 2023/1113, UK MLR 2017, SG MAS PSN02, AU AUSTRAC, UAE CBUAE, CH FINMA, FATF R.16 baseline. Compliance checklist, field matrix, and Policy Mandate JSON Travel Rule payload stub. Client-side. Zero PII.
Open ToolLast reviewed: May 2026 · 14 tools · Cat-18 · Cross-Border FX & Payments
Run T209 to deconstruct provider FX spreads against corridor benchmarks, then T211 to model hedging instrument payoffs. Use T213 for group-level natural hedge identification before booking externally.
Use T219 to generate and validate pacs.008 payloads with UETR against CBPR+ SR2026 rules before integration testing. Run T212 to compare rail options by corridor and urgency.
T222 determines Travel Rule data obligations by jurisdiction pair and asset type — covering FinCEN, EU TFR, UK MLR, MAS, AUSTRAC, FINMA. T217 classifies EM currency convertibility risk for enhanced due diligence.
Use T215 for FX settlement risk quantification, T218 for PvP mechanics modelling, and T220 to stress-test corridor vulnerability against correspondent de-risking scenarios.
Use T216 to benchmark all-in corridor costs across rails, T212 for rail speed/cost trade-off analysis, and T221 to evaluate G20/FSB 2027 finality target compliance by product.
Use T214 for IBOR transition fallback rate calculations, T213 for multi-entity FX exposure mapping, and T217 for EM currency risk classification before entering new corridors.
Tools in this hub are mapped to obligations under the following frameworks. Verify current applicability with qualified legal counsel.
Cross-Border Payments and Reporting Plus — mandatory migration from MT103 to pacs.008 for all SWIFT cross-border payments. SR2026 schema rules apply from November 2026. Tools T219, T212.
FATF Recommendation 16 requires originator and beneficiary data to accompany cross-border wire transfers and virtual asset transfers above jurisdiction-specific thresholds. Tool T222.
G20/FSB roadmap: cost below 1%, speed below 1 hour for 75% of payments, full transparency, and universal access — all by 2027. Assessed in Tools T216, T221, T212.
BIS CPMI guidance calls on all FX market participants to settle using PvP arrangements where available, and to address gaps for currencies not eligible for CLS. Tools T218, T215.
All USD LIBOR settings ceased 30 June 2023. GBP/EUR/JPY/CHF LIBOR ceased 31 Dec 2021. ISDA 2020 Fallback Supplement governs transition to SOFR, SONIA, €STR, TONA, SARON. Tool T214.
EU Transfer of Funds Regulation 2023/1113 — EUR 1,000 threshold for wire transfers; zero threshold for crypto-asset transfers by CASPs. Effective 30 December 2024. Tool T222.
IMF Annual Report on Exchange Arrangements — classifies 40+ EM currencies by convertibility tier, capital account restrictions, and NDF market availability. Underpins Tool T217.
Unique End-to-end Transaction Reference — UUID v4 generated per payment instruction, mandatory for CBPR+ payments, enabling full end-to-end tracking via SWIFT gpi tracker. Tool T219.
Open T209 — FX Margin & Cost Transparency Calculator, enter the currency pair and up to three provider quotes. The tool calculates margin in bps, benchmarks against corridor percentiles, and exports a Policy Mandate JSON FX policy as your audit trail.
Use T210 — Cross-Border Payment Failure Probability Model to score the corridor against originator tier, chain length, jurisdiction risk, and purpose code. If failure probability is elevated, run T220 to understand de-risking vulnerability and alternative routing options.
T216 — Corridor Cost Ranker compares bank wire, fintech aggregator, and stablecoin settlement across FX margin, correspondent fees, SWIFT charges, and lifting costs. Check the G20/FSB 1% cost target flag. Export the Policy Mandate JSON routing policy.
T212 — Rail Comparator scores SWIFT gpi, SEPA Instant, FedNow, PIX, UPI, PayTo, and Faster Payments against your corridor, payment type, and urgency requirements. Combine with T221 — Finality Comparator for D+0 finality and G20 target compliance details.
T219 — pacs.008 Generator produces a fully valid ISO 20022 pacs.008.001.12 XML with RFC 4122 UETR, SR2026 validation, CBPR+ rules, and MT103 field mapping. Export the Policy Mandate JSON payment instruction stub for your agent pipeline.
T222 — FATF Travel Rule Checker determines which data fields are mandatory, conditional, and optional for the originating/destination jurisdiction pair and asset type. Covers US FinCEN, EU TFR 2023/1113, UK MLR, MAS PSN02, AUSTRAC, FINMA, and FATF baseline.
All 14 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 |
|---|---|---|---|
| T209 | calculate_fx_margin | currency_pair, provider_quotes[], corridor | margin_bps, benchmark_percentile, policy_mandate_json |
| T210 | model_payment_failure_probability | originator_tier, chain_length, jurisdiction_risk, purpose_code | failure_probability, cause_distribution, mitigations[] |
| T211 | compare_fx_hedging_instruments | instrument_type, notional, strike, tenor, vol | payoff_diagram, greeks{}, hedge_effectiveness, policy_mandate_json |
| T212 | compare_payment_rails | origin_region, destination, payment_type, urgency | rail_matrix{}, recommended_rail, policy_mandate_json |
| T213 | map_fx_exposure | entities[], currencies[], receivables{}, payables{} | net_exposure_matrix{}, natural_hedges[], markdown_memo |
| T214 | check_ibor_rfr_transition | ibor_rate, currency, tenor | rfr_equivalent, spread_adjustment_bps, fallback_language |
| T215 | assess_fx_settlement_risk | trade_type, notional, currency_pair, cls_eligible | principal_risk, replacement_cost, herstatt_window, expected_loss |
| T216 | rank_corridor_costs | corridors[], methods[], urgency | cost_ranking[], g20_flag, policy_mandate_json |
| T217 | classify_em_fx_risk | currency_code | convertibility_tier, capital_controls, ndf_depth, vol_annualised, hedge_approach |
| T218 | model_pvp_settlement | settlement_type, currency_pair, notional | risk_exposure{}, timing_mismatch, netting_efficiency, pvp_memo |
| T219 | generate_pacs008_payload | debtor{}, creditor{}, amount, currency, purpose | pacs008_xml, uetr, cbpr_validation{}, policy_mandate_json |
| T220 | model_correspondent_derisking | corridor, correspondents_lost, volume | hop_increase, cost_delta, volume_at_risk, alternative_routing[] |
| T221 | compare_settlement_finality | rail, corridor, payment_type | finality_comparison{}, g20_scorecard{}, policy_mandate_json |
| T222 | check_travel_rule_obligations | originator_jurisdiction, beneficiary_jurisdiction, asset_type, amount | data_fields_required[], compliance_checklist, policy_mandate_json |