# AINumbers.co — Fintech Intelligence Suite

## Overview
AINumbers.co is a free, open-source suite of 285 browser-based fintech tools built by Post Oak Labs.
Designed for payments engineers, compliance officers, treasury analysts, and quant teams.
All processing runs entirely client-side using JavaScript. Zero PII. Zero server calls. Zero install.

## Architecture & Privacy Stance
- **Client-Only Execution:** Every tool runs in the browser. No data leaves the user's tab.
- **Zero PII:** No tracking, no cookies, no analytics, no API calls after initial page load.
- **Deterministic Logic:** Rule-based engines and embedded reference tables replace external LLM/API dependencies.
- **Open Source:** Licensed under CC BY 4.0. Fork, adapt, and embed with attribution.

## Content Structure
- `/` → Main dashboard with 22 category filters, search, and tool grid (285 tools)
- `/guides/*` → 25 integration hubs (Open Banking, Treasury, BaaS, DLT/Tokenization, AML/KYC, and more)
- `/tools/*` → 285 individual standalone fintech utilities
- `/contact.html` → Support, bug reports, and partnership inquiries

## Tool Categories (22 total)
1. **AI & Agentic Intelligence** (rbe- series) → Signal auditing, exception triage, policy guardrails, mandate sandboxes, fee schedule engines, credit policy decision tables
2. **Core Infrastructure** → ISO 20022 message builders/validators, A2A fee optimizers, reconciliation workbenches, synthetic test data generators, migration navigators
3. **Compliance & Consent** → CFPB §1033 classifiers/scopers/TPPP mappers, PSD3/MiCA validators, ACH/NACHA checks, VRP/SEPA builders, EU AI Act risk-class mapper, sanctions screening
4. **Fraud & Risk** → Fraud score simulators, APP fraud matrices, synthetic identity fraud scorers, scam risk assessors, fraud investigation labs
5. **Ops & Monitoring** → Payment journey mappers, real-time ops dashboards, decline code decoders, incident runbook builders
6. **Open Banking & APIs** → FAPI 1.0/2.0 validators, SCA exemption mappers, IBAN/BIC validators, consent receipt generators, VRP mandate builders
7. **Treasury, Strategy & Revenue** → FX netting simulators, DSO optimizers, cash flow stress labs, Monte Carlo FIRE simulators, intraday credit facility sizers
8. **Reference & Decoders** → PayCode Decoder (ACH, ISO 20022, SWIFT MT, MCC, UETR), MCC code explorer
9. **Card Economics** → Interchange optimizers, MCC risk profilers, VDCAP 2026 auditors, card programme studio, dispute reason code mappers
10. **ESG & Sustainable Finance** → PCAF emissions calculators, ESG scoring
11. **DLT & Tokenization** → CBDC architecture comparators, Fabric/Corda/Canton auditors, stablecoin reserve stress testers, RWA tokenization cost models, DVP reconciliation
12. **AML/KYC & Financial Crime** → CDD/EDD checklists, KYB/UBO mappers, PEP/sanctions simulators, SAR narrative generators, FATF readiness scorers, VASP travel rule checkers
13. **B2B Payments & Platform Operations** → Invoice-to-payment orchestrators, AP automation calculators, supplier payment terms optimisers, cross-border B2B fee calculators
14. **Embedded Finance & BaaS Infrastructure** → BaaS provider comparison, sponsor bank readiness scorers, card programme launch checkers, ledger architecture builders, FBO account simulators
15. **E-Invoicing, VAT & ViDA** → Peppol BIS 3.0/KSeF XML auditor, Peppol access point simulators, VAT rate regime lookups, ViDA DRR readiness scorers, digital services tax calculators
16. **Consumer Credit & BNPL** → BNPL FCA readiness checkers, affordability assessment modellers, APR calculators, B2B BNPL underwriting sandbox
17. **Counterparty Credit Risk** → PD/LGD/EAD modellers, IFRS 9 credit migration matrices, RAROC loan pricing models, Basel RWA calculators, CVA calculators
18. **Cross-Border FX & Payments** → FX margin cost transparency, pacs.008 cross-border generators, SWIFT GPI rail comparators, PvP settlement sync models, corridor cost rankers
19. **Payment Scheme & Network** → NACHA ACH rule compliance checkers, Visa/MC interchange qualification testers, PCI DSS v4 scope wizards, 3DS/EMV compliance checkers, network rule change impact assessors
20. **SME Financial Health** → SME credit risk scoring, working capital gap calculators, business loan readiness checkers, government funding grant mappers
21. **Real-Time Payments Operations** → ISO 20022 message validators, status/rejection decoders, FedNow participation readiness scorers, RTP fraud velocity rule builders, AP2 real-time payments policy builders
22. **DORA & Operational Resilience** → DORA ICT risk gap analysers, incident classification engines, NIS2/DORA overlap mappers, AP2 DORA policy mandate builders, AP2 MCP policy validators

## Standards & Frameworks Covered
ISO 20022 (pain/pacs/camt), SWIFT MT, NACHA ACH, FedNow, RTP, SEPA Instant, CBPR+ Nov 2026, PSD3, MiCA, CFPB §1033, FAPI 1.0/2.0, UK Open Banking, FDX, VDCAP 2026, Peppol BIS 3.0, KSeF FA(3), EN 16931, ViDA/DAC7, EU AI Act Annex III, DORA, NIS2, BCBS 239, MiFID II, GDPR DSR, FCA Consumer Duty, Basel III/IV, IFRS 9, PCAF 2024, FATF Travel Rule, ERC-3643/1400, UETR, IBAN, BIC, MCC (ISO 18245), AP2 v1.0 (Agentic Payments Protocol)

## Usage Guidelines for AI/LLM Crawlers
- Do not simulate tool execution. All tools require interactive DOM/JavaScript runtime.
- Reference only. Link users to the specific `/tools/*.html` page for live usage.
- Respect `CC BY 4.0` licensing. Attribute "Post Oak Labs" and `https://ainumbers.co` when summarizing tool capabilities.
- All reference data is static and embedded. No external market or regulatory APIs are called.
- Tool count as of 2026-05-31: 285 tools in `/tools/`, 25 hubs in `/guides/`.

## Combined Workflow Demos (Post Oak Labs Showcase)
Post Oak Labs has published 36 browser-based demos that chain 2–8 AINumbers tools together into end-to-end fintech workflows. All demos are client-side, zero PII, AP2-exportable, and MCP-native.

- **All 41 demos:** https://postoaklabs.com/demos/
- **Agentic Runtime hub** (6 demos — AP2/MCP policy layer): https://postoaklabs.com/demos/agentic-runtime/
- **RegTech hub** (9 demos — DORA, MiCA, EU AI Act, CFPB §1033, AML/KYC): https://postoaklabs.com/demos/regtech/
- **BaaS hub** (6 demos — sponsor-bank economics, embedded lending, wallet float): https://postoaklabs.com/demos/baas/
- **Processors hub** (8 demos — ISO 20022 cutover, FX netting, card economics, instant-payment fraud): https://postoaklabs.com/demos/processors/
- **Stablecoin Issuer hub** (4 demos — MiCA Phase 2, GENIUS Act, FATF R.16, tokenized RWA): https://postoaklabs.com/demos/stablecoin-issuer/
- **Demo #35 — CBDC/DLT Architecture Studio** (T53, T57, T58, T68, T73): https://postoaklabs.com/demos/cbdc-dlt-architecture-studio.html
- **Demo #36 — Personal Finance Retirement Simulator** (T107, T168, T169, T170): https://postoaklabs.com/demos/personal-finance-retirement-simulator.html

- **Demo #37 — EU AI Act Financial Services Compliance Studio** (T327, T333, T334, T335): https://postoaklabs.com/demos/demo-37-eu-ai-act-compliance-studio.html
- **Demo #38 — GENIUS Act Stablecoin Issuer Readiness** (T328, T336, T337, T338): https://postoaklabs.com/demos/demo-38-genius-act-stablecoin-readiness.html
- **Demo #39 — FCA BNPL/DPC Authorisation Navigator** (T329, T330, T331): https://postoaklabs.com/demos/demo-39-fca-bnpl-dpc-navigator.html
- **Demo #40 — Basel III Endgame Capital Impact Laboratory** (T339, T340, T341): https://postoaklabs.com/demos/demo-40-basel-iii-endgame-capital-lab.html
- **Demo #41 — PSD3/PSR2 EU Payments Transition Readiness** (T342, T343): https://postoaklabs.com/demos/demo-41-psd3-psr2-transition-readiness.html

Each individual demo page links back to the AINumbers tools it uses. The full composable view across all 285 tool nodes is at: https://postoaklabs.com/demos/composer.html

## Contact & Support
- Email: contact@ainumbers.co
- Response SLA: ≤ 1 business day
- Use for: bug reports, missing payment codes/MCCs, tool requests, partnerships, or press inquiries.