A unified developer onboarding suite for open banking engineers, payment architects, and compliance teams. Thirteen purpose-built tools covering ISO 20022 message validation, consent mapping, SCA exemption logic, FAPI payload generation, VRP mandate building, IBAN/BIC validation, and API exploration — all in the browser, all client-side, zero PII.
Follow the 6-step developer onboarding workflow below to navigate from message validation through live integration. All tools run in your browser — no account, no data transmission.
Paste or upload any ISO 20022 XML message — pacs, pain, camt, fxtr, or sese — and get instant schema validation, a structured field tree, debtor/creditor/amount extraction, and a full error list. Batch-validate up to 50 messages, search 50+ message types, or use the Field Path Explorer.
Map consent scope strings across UK OB v3.1, EU PSD3, AU CDR, and CFPB 1033/FDX. Generate FAPI 1.0/2.0 payloads with WebCrypto PKCE and mock JWT authorization requests.
Compute SCA exemption eligibility — Low Value, TRA, Trusted Beneficiary, Corporate — using EBA RTS 2023 and UK FCA guidance. Generate FAPI-compliant PKCE payloads and export AP2-compatible JSON.
Inspect well-formed UK OBReadTransaction6 and FDX API responses, understand structural differences between jurisdictions, and generate retry-handling code for 429 throttle scenarios.
Validate any IBAN against country-specific length and check-digit rules, perform BIC/SWIFT code lookup, and check SEPA reachability for Credit Transfer and Instant Credit Transfer schemes.
Validate FAPI security headers, score DORA operational resilience, assess ISO 20022 migration readiness, validate AP2 agentic payments compatibility, and generate portable consent receipts.
Paste or upload any ISO 20022 XML message — pacs, pain, camt, fxtr, or sese — and get instant schema validation, a structured field tree, debtor/creditor/amount extraction, and a full error list. Batch-validate up to 50 messages, search 50+ message types in the reference grid, or use the Field Path Explorer to look up any element's data type, mandatory rules, and business meaning across every message type. Covers SWIFT CBPR+, Fedwire, and all major RTGS rails post-2025 migration.
Open ToolExplore mock Open Banking and CFPB 1033 API responses, compare UK vs US formats, and simulate rate limit throttling with retry code generation. Covers OBReadTransaction6, FDX endpoints, 429 throttle scenarios, and exponential backoff patterns.
Open ToolValidate any IBAN against country-specific length and check-digit rules, perform BIC/SWIFT code lookup, and check SEPA reachability for Credit Transfer and Instant Credit Transfer schemes. Covers 75+ IBAN countries and full EPC participant data.
Open ToolConfigure consent scopes, TPP identity, AIS/PIS/CBPII data clusters, access durations, and purpose strings — then get an instant live preview of the customer-facing permission dashboard. Multi-standard toggle across PSD3/PSR, CFPB 1033/FDX, and UK OBIE. Auto-generates a per-jurisdiction compliance checklist. Export SVG, Markdown memo, or dev-handoff JSON.
Open ToolCompute SCA exemption eligibility — Low Value, TRA, Trusted Beneficiary, Corporate — using EBA RTS 2023 and UK FCA guidance. Map consent scope strings across UK OB v3.1, EU PSD3, AU CDR, and CFPB 1033/FDX. Generate FAPI 1.0/2.0 payloads with WebCrypto PKCE (S256) and mock JWT authorization requests. Export AP2-compatible JSON and QA CSV.
Open ToolBuild Variable Recurring Payment mandates for Me-to-Me sweeping and Me-to-Business billing flows. Hard-Limit Stress Tester checks MaximumIndividualAmount, DailyLimit, and MonthlyLimit against your billing cadence. SVG Sweep Algorithm Visualizer shows VRP trigger conditions against simulated intraday balance volatility. Maps to OBIE v3.1.10 and FDX/CFPB 1033.
Open ToolGenerate portable consent receipts in structured JSON and PDF formats for audit trails, regulatory filings, and TPP handoff. Validates receipt completeness against UK OBIE, EU PSD3, and CFPB 1033 disclosure requirements. All inputs use synthetic account numbers and masked identifiers — zero PII processed or stored.
Open ToolPaste raw Open Banking API JSON — UK OBReadTransaction6 or FDX format — and get a clean sortable ledger with Date, Merchant, Amount, and Running Balance. Stats pane shows Total Inflows, Outflows, and Net Position. MCC code mapping for merchant categories. Sanity check flags missing mandatory fields. No data ever leaves the browser.
Open ToolInput origin/destination corridor, transaction amount, speed requirement, and cost constraints to get a ranked list of A2A payment rails — FedNow, SEPA Instant, SEPA Credit, ACH, SWIFT, Faster Payments — with estimated fees, PSD2/CFPB 1033 compliance notes, and mock settlement timeline visualizations. All data embedded as static reference tables.
Open ToolPaste API response headers or upload a header file and validate against FAPI 1.0 Baseline, FAPI 1.0 Advanced, and PSD2 RTS on Strong Customer Authentication. Flags missing mandatory headers, weak TLS configuration, absent PKCE requirements, and non-compliant token endpoint security. Outputs a structured compliance report with remediation guidance.
Open ToolScore your institution's DORA compliance posture across all five pillars: ICT risk management, incident reporting, TLPT readiness, third-party ICT risk, and information sharing. Auto-generates a gap analysis table with article references and remediation notes. Export as Markdown or Policy Mandate JSON. Client-side. Zero PII.
Open ToolScore your bank or PSP's ISO 20022 migration readiness across 7 dimensions: data mapping, core systems, testing, operations, compliance, counterparty readiness, and governance. Exports a board-ready gap memo and 90-day action plan. Companion to the ISO 20022 Message Validator. Client-side. Zero PII.
Open ToolValidate whether your payment flow meets AP2 agentic payments standards. Check agent verification, consent scope, payload structure, and settlement rail compatibility. Paste a Policy Mandate JSON payload for field-level validation, or use the manual checklist. Generates a compatibility score and Policy Mandate JSON scaffold. Client-side. Zero PII.
Open ToolClassify your institution under CFPB §1033 open banking rules. Determines applicability tier, compliance obligations, and phase-in timeline based on asset size and product types.
Open ToolScope your CFPB §1033 covered data obligations across the 7 data categories. Determine which categories apply to your institution with access rules, format requirements, and data minimization constraints.
Open ToolMap Third-Party Payment Provider obligations under CFPB §1033. Covers data access agreements, authorization requirements, data retention limits, and developer interface standards.
Open ToolLast reviewed: May 2026 · 13 tools · Cat-5 · Open Banking & API Integration
Validate ISO 20022 messages before they hit production, debug raw API responses in the JSON Visualizer, generate FAPI-compliant PKCE payloads, and test rate limit handling with the retry code generator — all without standing up a test environment.
Use the Consent Dashboard Builder to prototype customer-facing permission UIs and generate per-jurisdiction compliance checklists. Generate portable consent receipts for audit trails. Map SCA exemption eligibility against EBA RTS 2023 thresholds.
Use the Consent Scope Mapper to understand what permissions your product needs across jurisdictions, model VRP mandate structures for subscription and sweep use cases, and compare payment rail options for your target corridors.
Validate FAPI 1.0 Advanced header compliance, identify TLS configuration gaps, check PKCE requirements, and audit token endpoint security — all without standing up a test environment.
Score ISO 20022 migration readiness across all 7 dimensions, generate a 90-day action plan for CBPR+ compliance, and validate DORA operational resilience posture with article-level gap analysis.
Use Tool 16 to validate IBANs and confirm SEPA reachability before initiating payments. Use Tool 95 to rank payment rails by cost and speed for your target corridors. Use Tool 102 to validate AP2 agentic payments compatibility.
Tools in this hub are mapped to obligations under the following frameworks. Verify current applicability with qualified legal counsel.
The Payment Services Directive 3 and Payment Services Regulation replace PSD2 with stronger open banking obligations, enhanced SCA rules, and a new liability framework. Phased implementation runs 2026–2027 across all EU member states.
The UK's Open Banking Implementation Entity has mandated all CMA9 banks to deliver standardised APIs covering accounts, transactions, payments, and standing orders. OBIE v3.1.10 is live and in enforcement. Variable Recurring Payments (VRP) is in commercial rollout.
The CFPB's Personal Financial Data Rights rule requires covered data providers to make consumer financial data available to authorised third parties via standardised APIs. FDX is the dominant technical standard. Phased compliance deadlines run 2026–2030 by institution size.
SWIFT's Cross-Border Payments and Reporting Plus programme completed its migration November 2025. All SWIFT MT message types for payments and cash reporting are deprecated. Every correspondent bank now sends and receives MX (ISO 20022 XML) messages exclusively.
The Federal Reserve completed its Fedwire Funds Service migration to ISO 20022 in 2025, aligning the US large-value payment system with global RTGS standards. All Fedwire participants must now originate and receive pacs.008, pacs.009, and camt.054 messages.
The Financial-grade API security profile defines OAuth 2.0 and OpenID Connect requirements for open banking APIs. FAPI 1.0 Advanced is mandated by UK OBIE and referenced by PSD3 RTS. FAPI 2.0 is in adoption across AU CDR and UK's next-generation framework.
If your rail uses ISO 20022, open Tool 98 — ISO 20022 Validator and paste your first message. The auto-detector will identify the message type (pacs.008, pain.001, camt.052, etc.) and flag any schema errors before you touch production.
Open Tool 92 — SCA Exemption & Scope Mapper and enter your target jurisdiction. The Scope Mapper translates between UK OB v3.1, EU PSD3, AU CDR, and CFPB 1033/FDX permission strings and flags any deprecated scopes or jurisdiction conflicts.
In the same tool, switch to the SCA Exemption Engine. Enter transaction amount, currency, MCC, and TRA rate to get a deterministic exemption ruling (Low Value, TRA, Trusted Beneficiary, or Corporate) with the precise threshold and fallback SCA requirement under EBA RTS 2023.
Open Tool 10 — API Explorer to inspect well-formed UK OBReadTransaction6 and FDX API responses, understand the structural differences between jurisdictions, and generate retry-handling code for 429 throttle scenarios before you integrate against a live sandbox.
Open Tool 16 — IBAN Validator to verify IBAN format and check-digit integrity for any destination account, perform BIC lookup, and confirm SEPA SCT or SEPA Instant reachability before initiating a payment instruction.
All 13 tools expose structured outputs compatible with the AINumbers MCP manifest.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| Tool 10 | explore_open_banking_api | jurisdiction, endpoint_type, scenario | mock_response{}, rate_limit_scenario, retry_code |
| Tool 16 | validate_iban_bic | iban, bic | iban_valid, check_digit_ok, bic_lookup{}, sepa_reachability{} |
| Tool 91 | build_consent_dashboard | standard, tpp_identity{}, scopes[], duration | dashboard_preview, compliance_checklist[], export_json{} |
| Tool 92 | map_sca_exemption_scopes | jurisdiction, amount, currency, mcc, tra_rate | exemption_ruling, scope_mapping{}, fapi_payload{} |
| Tool 93 | build_vrp_mandate | flow_type, max_individual, daily_limit, monthly_limit | mandate_spec{}, stress_test_result, sweep_visualizer |
| Tool 94 | visualize_ob_transactions | api_json, format | ledger[], stats{}, mcc_mapping[], error_flags[] |
| Tool 95 | optimize_payment_corridor | origin, destination, amount, urgency, cost_constraint | rail_ranking[], fees{}, compliance_notes[], timeline |
| Tool 96 | generate_consent_receipt | standard, tpp{}, scopes[], purpose | receipt_json{}, receipt_pdf, compliance_validation{} |
| Tool 97 | validate_fapi_headers | headers{}, fapi_profile | compliance_report{}, missing_headers[], remediation[] |
| Tool 98 | validate_iso20022_message | xml_message, message_type | schema_valid, field_tree{}, errors[], debtor_creditor{} |
| Tool 100 | audit_dora_resilience | pillar_scores{}, institution_type | gap_analysis{}, article_refs[], remediation[], policy_mandate_json |
| Tool 101 | score_iso20022_migration | dimension_scores{}, institution_type | readiness_score, gap_memo, action_plan_90d |
| Tool 102 | check_ap2_compatibility | payment_flow{}, policy_mandate_json | compatibility_score, field_validation{}, scaffold_json{} |