Thirteen deterministic, browser-based rule engines covering the full payments intelligence lifecycle: from fee schedule authoring, credit policy decisioning, and velocity rule calibration through DORA incident classification, network scheme compliance simulation (Visa VAMP / Mastercard DIMP), interchange qualification and least-cost routing, agent guardrail design, A2A corridor risk, and signal auditing. No model calls. No inference. Auditable logic. AP2-compatible JSON mandates for direct MCP and agent runtime ingestion.
Follow the five-stage lifecycle path below or jump directly to any tool group. All tools run in your browser: no account, no data transmission.
A2A liquidity modelling for SMB treasury. Models tax provisions, VAT timing, and A2A corridor liquidity needs. Exports AP2 liquidity mandate. Client-side. Zero PII.
Open ToolTriage A2A payment exceptions across ISO 20022 return reason codes and Swift MT rejection codes. Prioritisation, resolution workflow, and exception triage mandate. Client-side. Zero PII.
Open ToolExtract and assess SPA clauses for tokenized asset transactions. Highlights regulatory risk provisions, smart contract dependencies, and settlement finality obligations. Client-side. Zero PII.
Open ToolAuthor, test, and export AP2 agent guardrail mandates for AI payment agents. Covers spend limits, velocity caps, corridor restrictions, escalation rules, and FAPI 2.0 compliance. Client-side. Zero PII.
Open ToolExtract operative clauses, obligations, and threshold tables from regulatory documents. Structures output for agent ingestion and compliance gap analysis. Supports DORA RTS, PSD3, MiCA, CBDC frameworks. Client-side. Zero PII.
Open ToolSimulate AP2 mandate policy execution against synthetic payment agent scenarios. Test guardrail coverage before production deployment. AP2 mandate export. Client-side. Zero PII.
Open ToolAudit trading signal integrity for AI-driven payment and treasury agents. Flags stale, conflicting, and low-confidence signals before execution. Signal audit mandate export. Client-side. Zero PII.
Open ToolAuthor tiered fee schedules across rail, corridor, amount band, merchant type, customer tier, and volume. Heat-map with cliff detection (default 30%). PSD2 Art. 45 / Reg E disclosure generator. Durbin & L2/L3 flags. Policy Mandate JSON fee_schedule_mandate. Client-side. Zero PII.
Open ToolVisual FICO × DTI × LTV decision table. Gap/conflict detection O(n²). ECOA fairness flag layer. Reg B adverse action reasons per CFPB Circular 2022-03. Champion-Challenger mode for policy change-control review. Policy Mandate JSON credit_policy_mandate. Client-side. Zero PII.
Open ToolAML/fraud velocity rule authoring. Seeded synthetic stream (mulberry32 PRNG). Confusion matrix, deterministic contribution attribution, threshold sensitivity ±2, FATF typology mapping, EBA GL/2021/05 pre-deployment audit trail. Policy Mandate JSON velocity_rule_mandate. Client-side. Zero PII.
Open ToolAll 7 RTS 2024/1772 criteria. Compound Major logic: Condition A (criticality prerequisite) + B1 (data breach) or B2 (≥2 criteria at Major). Live 4h countdown. ITS 2025/302 Annex I notification draft. Proximity warnings. Policy Mandate JSON incident_classification_mandate. Client-side. Zero PII.
Open ToolThree independent compliance dimensions: VAMP ratio, VAAI enumeration rate (Jun 2025), and Mastercard DIMP/VIMP. Phased thresholds (acquirer bands Jan 2026, merchant Apr 2026). Grace period, enforcement fee exposure, what-if scenarios, remediation plan. Policy Mandate JSON scheme_compliance_mandate. Client-side. Zero PII.
Open ToolMap card attributes to Visa/Mastercard interchange tiers (Apr 2025 public schedules). Downgrade risk detection. LCR rule auto-generation (Durbin/RBA → L3 → L2 → 3DS2 → default). L2/L3 field matrix. Portfolio savings estimate. Policy Mandate JSON routing_policy_mandate. Client-side. Zero PII.
Open ToolRBE·04 consumes the outputs of the other five rule engines as policy constraints for AI payment agents. The resulting Policy Mandate JSON agent_guardrail_mandate covers fee schedule limits (RBE·08), credit approval triggers (RBE·09), velocity and fraud thresholds (RBE·10), DORA operational risk boundaries (RBE·11), scheme compliance headroom (RBE·12), and interchange routing rules (RBE·13). Export a single validated mandate deployable directly into your agent runtime via the AINumbers.co MCP server.
Build AP2 Agent Guardrail Mandate →Last reviewed: May 2026 · 13 tools · RBE Deterministic Intelligence Suite
Use RBE·04 to build agent guardrail mandates. Use RBE·06 to stress-test mandate coverage. Use RBE·08 and RBE·13 to feed interchange cost floors and fee schedule constraints into your agent pricing layer.
Use RBE·09 to author FICO × DTI × LTV decision tables with gap detection, ECOA fairness flags, and Reg B adverse action reason generation per CFPB Circular 2022-03. Use Champion-Challenger mode for policy change-control review.
Use RBE·10 to author AML/fraud velocity rules against a seeded synthetic stream with configurable time-of-day patterns. Generates confusion matrices, deterministic contribution attribution, and a pre-deployment audit trail per EBA GL/2021/05.
Use RBE·11 to classify ICT incidents against all 7 RTS 2024/1772 criteria. The live 4-hour countdown and ITS 2025/302 Annex I notification draft auto-populate so you can move from detection to initial notification submission within the 4-hour window.
Use RBE·12 to simulate VAMP ratio, VAAI enumeration rate, and DIMP position across phased enforcement timelines. Use RBE·08 to author merchant-facing fee schedules. Cross-reference with RBE·13 interchange optimisation to manage margin.
Use RBE·13 to map your card portfolio to interchange tiers, identify downgrade risks, build a Durbin/RBA-compliant LCR rule set, generate the L2/L3 data eligibility matrix, and compute the annual interchange savings estimate.
Start with RBE·08: Fee Schedule Authoring Engine. Load sample rules or build from scratch across your rail and corridor mix. Set cliff detection to 30% and enable L2/L3 indicators for commercial card rows. Then use RBE·13 to verify the interchange cost floor beneath each fee row.
Open RBE·09: Credit Policy Decision Table Builder. Load the sample policy (FICO × DTI, 6×6 matrix) or configure your own dimensions. Enable Champion-Challenger mode before your policy review meeting: the divergence table and net approval rate delta export as a policy change-control Markdown document.
Open RBE·10: Velocity Rule Simulator. Load the four sample AML rules or define your own. Set the random seed (default: 42) for a reproducible stream. Set the time distribution to "Business Hours" if your transactions are daytime-heavy. Share the EBA GL/2021/05 pre-deployment audit trail with your model governance team.
Open RBE·11: DORA Incident Classifier. Click "Load Major Scenario" to verify the tool works. Then enter your actual incident values. The classification time you enter starts the live 4-hour countdown. If Major: the ITS 2025/302 Annex I notification draft auto-populates: complete the three freetext fields before filing with your NCA.
Open RBE·13: Interchange Qualification & LCR Builder. Select your country: the context box explains applicable regulations (Durbin, EU IFR, RBA). Set your card mix and processing capability toggles. Click "Auto-Generate" to build LCR rules from your portfolio. Use the transaction simulator to find downgrade risks on your highest-volume transaction type.
The tools above also compose into OpenChainGraph chains that walk the same steps in one guided session and export an audit trail.
All 13 tools expose structured outputs compatible with the AINumbers MCP manifest. 11 of 13 tools emit validated Policy Mandates for direct agent runtime ingestion.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| RBE·01 | model_smb_treasury_a2a_liquidity | tax_provisions[], vat_timing, corridors[] | liquidity_mandate, ap2_export |
| RBE·02 | triage_a2a_payment_exceptions | exceptions[], return_codes[], swift_rejects[] | exception_triage_mandate, priority_queue |
| RBE·03 | extract_spa_tokenized_asset_clauses | spa_text, asset_type, jurisdiction | risk_provisions[], smart_contract_deps[], settlement_obligations[] |
| RBE·04 | build_agent_payment_policy_guardrail | fee_schedule_mandate, credit_policy_mandate, velocity_mandate, dora_mandate, scheme_mandate, routing_mandate | agent_guardrail_mandate, ap2_export |
| RBE·05 | extract_regulatory_doc_clauses | doc_text, framework_type, jurisdiction | obligations[], thresholds[], gap_analysis[] |
| RBE·06 | simulate_agent_mandate_policy | mandate{}, scenarios[], test_vectors[] | agent_mandate, coverage_report, ap2_export |
| RBE·07 | audit_trading_signal_integrity | signals[], confidence_thresholds{}, staleness_window | signal_audit_mandate, flags[], ap2_export |
| RBE·08 | author_payment_fee_schedule | rails[], corridors[], amount_bands[], cliff_threshold | fee_schedule_mandate, cliff_alerts[], psd2_disclosure, ap2_export |
| RBE·09 | build_credit_policy_decision_table | fico_bands[], dti_bands[], ltv_bands[], fairness_flags | credit_policy_mandate, gap_conflicts[], adverse_action_reasons[], ap2_export |
| RBE·10 | simulate_velocity_rules | rules[], seed, time_distribution, fatf_typologies[] | velocity_rule_mandate, confusion_matrix, audit_trail_eba, ap2_export |
| RBE·11 | classify_dora_ict_incident | criteria{7}, classification_time, incident_type | incident_classification_mandate, its_annex_i_draft, countdown_4h, ap2_export |
| RBE·12 | simulate_scheme_compliance_thresholds | vamp_ratio, vaai_rate, dimp_score, enforcement_band | scheme_compliance_mandate, fee_exposure, remediation_plan, ap2_export |
| RBE·13 | build_interchange_qualification_ruleset | card_mix[], country, processing_capabilities{}, l2_l3_eligible | routing_policy_mandate, lcr_rules[], downgrade_risks[], savings_estimate, ap2_export |