Agentic Commerce & MCP Developer Hub · Cat-01 · 17 Tools
Agentic Commerce & MCP Developer Hub
Browser-based developer tooling for the two layers of the agent stack: building MCP servers and integrating agentic payment rails. Lint MCP tool definitions against JSON Schema 2020-12, validate a server.json for the official registry, compare AP2 / ACP / x402 / Visa TAP / Mastercard Agent Pay, and decode an x402 payment flow. Deterministic. Client-side. Zero PII.
MCP · server.json · Tool Schemas
AP2 · ACP · x402 · TAP · Agent Pay
Zero PII · Client-Side
Open the Hub →
MCP
MCP & Agentic Commerce
23 toolsT · 274→
MCP Tool-Definition Linter & Annotation Designer
Lint a Model Context Protocol tool definition against JSON Schema 2020-12 and the current naming, output-schema, and annotation rules. Designs a consistent readOnly/destructive/idempotent/openWorld annotation set. Deterministic. AP2 JSON export.
T · 275→
MCP server.json Validator & Skeleton Generator
Validate an MCP server.json against the 2025-12-11 schema and the official registry publishing rules — reverse-DNS namespace, _meta 4KB cap, allowlisted base URLs, MCPB fileSha256 — then generate a compliant skeleton for npm/PyPI/OCI/MCPB/remote. AP2 JSON export.
T · 276→
Agentic Payments Protocol Comparator & Field Crosswalk
Put AP2, the Agentic Commerce Protocol (Shared Payment Token), x402, Visa Trusted Agent Protocol, and Mastercard Agent Pay side by side across credential model, signing, scope, settlement rail, and audit trail. Field crosswalk + scenario recommender. AP2 JSON export.
T · 277→
x402 Header Decoder, Payload Linter & 402 Flow Simulator
Decode x402 PAYMENT-REQUIRED / PAYMENT-SIGNATURE headers, lint an exact-scheme PaymentPayload, walk the HTTP-402 request → verify → settle flow, and check the scheme×network matrix. AP2 JSON export.
T · 278→
MCP OAuth 2.1 Authorization Auditor
Validate the RFC 9728 protected-resource-metadata document, visualize the OAuth 2.1 discovery chain, check RFC 8707 audience binding against your canonical server URI, and self-assess token-passthrough and confused-deputy risk. AP2 JSON export.
T · 279→
RFC 9421 Signature Decoder & Web Bot Auth Readiness
Decode and validate RFC 9421 HTTP Message Signatures (Signature-Input / Signature), lint a Web Bot Auth JWKS directory (Ed25519), and score readiness. The signature substrate under Visa's Trusted Agent Protocol. AP2 JSON export.
T · 280→
MCP Spec-Revision Compliance Scorer & Stateless Migration Advisor
Score your MCP server against a target spec revision (2025-06-18 / 2025-11-25 / 2026-07-28 RC) and get a breaking-change migration advisor for the stateless protocol core — the largest, most breaking MCP revision since launch. AP2 JSON export.
T · 281→
ACP Checkout Validator & Shared Payment Token Scope Linter
Validate an Agentic Commerce Protocol (OpenAI + Stripe) checkout-session object and lint a Shared Payment Token for the four properties that keep it safe: single-use, merchant-bound, amount-capped, and short-lived. AP2 JSON export.
T · 282→
MCP Tool-Poisoning & Prompt-Injection Manifest Scanner
Scan an MCP tool description or manifest for tool-poisoning and prompt-injection smells — instruction overrides, hidden zero-width unicode, role-play framing, tool-shadowing, and exfiltration hints. Maps to OWASP ASI01. AP2 JSON export.
T · 283→
A2A Agent Card Validator & Extension Checker
Validate an Agent2Agent (A2A) agent-card.json against the v1.0 shape, check the signed-card signatures block, and confirm AP2 / x402 extension declarations — the discovery layer AP2 rides on. AP2 JSON export.
T · 284→
MCP Transport & DNS-Rebinding Security Auditor
Audit your Streamable HTTP transport for Origin/Host validation, loopback binding, DNS-rebinding protection, and token passthrough — the vuln classes behind real CVEs in rmcp and mcp-toolbox. AP2 JSON export.
T · 285→
Google AP2 Checkout/Payment Mandate (VDC) Builder & Validator
Build and validate Google's Agent Payments Protocol Checkout and Payment Mandate Verifiable Digital Credentials (Open/Closed stages). The external Google/FIDO AP2 spec — distinct from the suite's Policy Mandate export. AP2 JSON export.
T · 286→
Visa Trusted Agent Protocol Signature Inspector & Readiness
Parse a Visa TAP HTTP Message Signature, surface the agent-recognition signature and its replay-protection parameters (timestamp, session id, key id, algorithm), and score TAP readiness. Built on RFC 9421. AP2 JSON export.
T · 287→
Mastercard Agent Pay — Agentic Token Scope & Consent-Policy Builder
Build and lint a Mastercard Agentic Token scope — the agent-ID, merchant scope, and consent policy (spend limit, allowed merchants, expiry, velocity) that bind a tokenised credential to an AI agent without exposing the PAN. AP2 JSON export.
T · 288→
MCP Developer Readiness Scorecard
One ship-readiness scorecard for your MCP server — rolling up tool-definition quality, server.json registry-readiness, OAuth, transport security, tool-poisoning hygiene, and spec-revision compliance into a graded report with per-section sub-scores and gap links. AP2 JSON export.
VM · 1a→
Kernel VM
Run a ChainGraph decision kernel's compute(policy_parameters) inside a sandboxed, hermetic, in-browser QuickJS-ng WebAssembly VM under the ocg-deterministic-compute@1 profile, and inspect its execution_hash. Ships a small curated demo kernel set; every conformance-fixtured kernel is checked automatically in CI.
T · 374→
Visa VIC Agent Token Scope & Spend Control Policy Builder
Build and validate Visa Intelligent Commerce agent-scoped payment credentials. Define agent identity binding, MCC merchant scope, per-transaction and aggregate spend limits, time-window validity, and stablecoin rail permissions. AP2 export.
T · 375→
Visa Agentic Ready Program Issuer & Processor Readiness Scorer
Score an issuing bank or processor across all six Visa Agentic Ready certification pillars — agent token issuance, TAP signature recognition, consumer consent/pre-auth, spend control enforcement, transaction monitoring, and stablecoin settlement. Gap report + AP2 export.
T · 477→
FATF Customer Risk Rating Engine
Score a customer across six FATF Recommendation 10/12 risk dimensions — entity type, geography, product/service, channel, PEP/sanctions exposure, and transaction pattern — using adjustable weights. Returns composite risk tier (Low/Medium/High/Prohibited), CDD level (SDD/Standard/EDD/Decline), per-dimension breakdown, and Policy Mandate JSON. Prerequisite for the KYA Compliance Firewall (T478). AP2 JSON export.
T · 478→
KYA Compliance Firewall
Four-stage agentic transaction intercept pipeline: T282 prompt-injection scan → T477 FATF customer risk → T286 Visa TAP identity → T131 AML mandate compile. Gating logic blocks and logs at each threshold before emitting a signed KYA clearance record. AP2 JSON export.
T · 479→
B2B Micro-Clearinghouse
Three-stage autonomous M2M micro-payment routing pipeline: T276 protocol arbitrage (AP2/x402/TAP) → T285 cart mandate cap (e.g. $0.04) → T320 policy budget validation. Solves the interchange-floor gap for agentic sub-dollar B2B transactions. AP2 JSON export.
T · 480→
BaaS Orchestrator
Three-stage BaaS sponsor-bank routing optimiser: T152 provider scoring → MCP
build_workflow_links routing chain → T320 policy budget validation. Turns one-off BaaS due diligence into a repeatable algorithmic framework. AP2 JSON export.T · 481→
CCD2 Scope Classifier
Classify a credit product as in-scope or exempt under CCD2 (Directive (EU) 2023/2225, applies 20 Nov 2026). BNPL and interest-free instalments newly in scope. Determines full vs lighter obligation tier. AP2 export.
T · 482→
CCD2 Creditworthiness Assessment Builder
Build an Art. 18 CCD2 creditworthiness assessment framework: verified financial data, forward-looking income, proportionality bands, Art. 18(3) human review. EU regime — distinct from UK FCA DPC T330. AP2 export.
T · 483→
CCD2 SECCI Disclosure Generator
Generate the Standard European Consumer Credit Information (SECCI) pre-contractual disclosure per CCD2 Annex II. All 16 mandatory fields: APR, withdrawal right (Art. 26), early repayment (Art. 29). AP2 export.
T · 484→
CCD2 Readiness Scorer
Score CCD2 readiness across five domains: scope, creditworthiness, SECCI disclosure, consumer rights, governance. 22 checks. Tracks days to 20 Nov 2026 deadline. Composite Policy Mandate export.
T · 485→
AMLR Obliged Entity Scope Mapper
Classify entity type into the AMLR (Reg (EU) 2024/1624) obliged-entity list and applicable CDD obligations. 18 entity types. Cash-intensive, crypto, PEP, correspondent, and TFR-agent activity flags. Applies 10 Jul 2027.
T · 486→
AMLR UBO Beneficial Ownership Mapper
Apply the harmonised 25% UBO threshold (AMLR Art. 62 / AMLD6). Determines EDD triggers, register-filing requirements, and special structure handling (trust, foundation, bearer shares). Applies 10 Jul 2027.
T · 487→
AMLR Cash Limit & EDD Classifier
Classify cash transactions against the AMLR Art. 80 €10,000 limit. Identifies structuring risk, EDD triggers, and mandatory ID thresholds. STR guidance. Applies 10 Jul 2027. AP2 export.
T · 488→
AMLR CDD Policy Builder
Build a Customer Due Diligence policy framework per AMLR (Reg (EU) 2024/1624) Art. 20–29. Configures SDD, standard CDD, and EDD tiers with required measures. Entity-specific guidance. Applies 10 Jul 2027.
T · 489→
EUDI Attribute Attestation Mapper
Map KYC attributes to EUDI Wallet PID + (Q)EAA attestations under eIDAS 2.0 (Reg (EU) 2024/1183). Covers selective disclosure, AML CDD mapping. EUDI Wallet available all EU MS by 31 Dec 2026. AP2 export.
T · 490→
EUDI KYC Flow Designer
Design a wallet-based KYC onboarding flow with EUDI Wallet acceptance under eIDAS 2.0. Maps presentation request, selective disclosure, AML CDD, and SCA compliance. FI SCA acceptance deadline ~Dec 2027. AP2 export.
T · 491→
EUDI Relying Party Registration Checker
Check EUDI Wallet relying-party registration obligations, intended-use declaration, and acceptance-deadline runway under eIDAS 2.0. Tracks days to EUDI Wallet deadline (31 Dec 2026) and SCA acceptance (~Dec 2027). AP2 export.
T492→
ACH Fraud Monitoring Procedure Builder
Nacha Phase 2 (effective 2026-06-22): select ACH participant role(s) to generate required credit-entry fraud monitoring procedures, risk-tiering worksheet, and annual-review schedule. All roles. All volumes. AP2 export.
T493→
ACH False-Pretenses Credit-Entry Simulator
Simulate Nacha Phase 2 false-pretenses ACH credit-entry fraud scenarios — vendor impersonation, payroll redirect, BEC — and map triggered rule obligations by role with funds-recovery path analysis. AP2 export.
T494→
ACH Fraud Monitoring Audit Pack Generator
Nacha Phase 2 annual review requirement: generate a role-specific evidence checklist and Markdown audit binder. Mark items satisfied or gap in-browser, export the completed pack as your annual review documentation. AP2 export.
T495→
Agentic Checkout Protocol Selector
Score UCP, ACP, x402, and Visa TAP against your merchant profile — platform, buyer type, AOV, agent appetite, geo, and tech capability. Produces a recommended protocol stack, compatibility table, and regulatory notes. Stage 1 of the Agentic Checkout Composer. AP2 export.
T496→
ACP/UCP Product-Feed Conformance Auditor
Audit your product feed, checkout payload, or AP2 mandate against ACP v0.2 and/or UCP field schemas. Required vs. recommended gap analysis, fix checklist, and score bars. Stage 2 of the Agentic Checkout Composer. AP2 export.
T497→
x402 Micropayment Pricing Modeler
Model API or content pricing under HTTP 402 flows: per-call price, settlement asset fee drag, breakeven vs subscription pricing, and agent economics at scale. ~165M agent transactions processed by April 2026. Standalone branch tool. AP2 export.
T498→
Agent-Traffic Acceptance Policy Builder
Define accepted agent types, identity verification level, velocity and value caps, payment rails, blocking rules, and refund posture for agent-accessible APIs. Generates an agent-readable policy block and agent guardrail Policy Mandate. Stage 3 of the Agentic Checkout Composer.
T499→
Crypto Asset Inventory Classifier
Classify each cryptographic asset against NISTIR 8547 / FIPS 203–205: QUANTUM_SAFE, DEPRECATED, DISALLOWED, UPGRADE_REC, COND_SAFE, or REVIEW_REQUIRED. Flags HNDL-risk assets and generates a PCI-DSS 12.3.3 compliant cryptographic inventory. Stage 1 of the PQC Migration chain. AP2 export.
T500→
HNDL Quantum Risk Scorer
Score Harvest-Now-Decrypt-Later risk per cryptographic system: sensitivity × algorithm weight × time_exposure. Risk tiers CRITICAL/HIGH/MEDIUM/LOW/NEGLIGIBLE map to migration phases pre-2027 through 2035. Stage 2 of the PQC Migration chain. AP2 export.
T501→
PQC Migration Roadmap Builder
Build a phased PQC migration roadmap per system. Maps current algorithm to ML-KEM / ML-DSA / SLH-DSA replacement by use case. Assigns Phase 1–4 windows by HNDL priority. Supports hybrid (classical + PQC) mode and security category targeting. Stage 3 of the PQC Migration chain. AP2 export.
T502→
Crypto-Agility Readiness Scorer
Score your organisation's crypto-agility maturity across 8 control dimensions (0–5 each, 40 max): inventory, tooling, policy, testing, vendor, governance, monitoring, and incident response. Returns Level 1–5 maturity, gap analysis, and prioritised recommendations. Final stage of the PQC Migration chain. AP2 export.
T556→
OTLP GenAI Span Composer & Semconv Linter
Compose hand-rolled OTLP/JSON traces with gen_ai presets for invoke_agent, chat, and execute_tool spans, and lint any OTLP/JSON trace for structural validity and gen_ai attribute conformance against a pinned attribute snapshot. File export only, zero network egress.
T557→
FIPS 140-2 Exposure Checker
Paste a certificate inventory and flag FIPS 140-2/140-1 validations against the NIST CMVP Historical-list transition date (2026-09-21), summarizing resulting procurement exposure. Structural check over declared data only, not a live CMVP scan. AP2 export.
Core Payment Infrastructure Hub · Cat-01 · 10 Tools
Core Payment Infrastructure Hub
10 browser-based tools covering the full payment infrastructure lifecycle: A2A fee routing and benchmarking across FedNow, RTP, ACH, and SEPA Instant; ISO 20022 message building, truncation auditing, and migration planning; VDCAP payload compliance; A2A reconciliation workbenches; synthetic test data generation; payment failure root-cause analysis; and multi-rail optimisation. Client-side. Zero PII.
A2A · FedNow · RTP · ACH · SEPA
ISO 20022 · SWIFT CBPR+
VDCAP · Rail Optimisation
Zero PII · Client-Side
Open the Hub →
01
Core Infrastructure
12 toolsTool 01→
A2A Fee Calculator + Route Optimizer
Input your payment volume and cost structure to compare A2A costs across FedNow, RTP, Same-Day ACH, Next-Day ACH, and SEPA Instant. Generates a print-ready executive ROI report with projected annual savings.
Tool 02→
ISO 20022 Message Builder + Pilot Brief
Build and validate ISO 20022 XML messages including pain.001, pain.008, pacs.008, pacs.004, camt.053, and camt.056. Generates a plain-English pilot brief alongside the XML.
Tool 09→
A2A Reconciliation Workbench
Reconcile A2A payment batches against invoice ledgers using three-pass matching: exact amount, fuzzy reference, and date proximity. Generates structured exception reports and aging buckets.
Tool 12→
A2A Fee Benchmarking Report Builder
Input your current payment volume and cost structure, and generate a print-ready executive report comparing your costs against FedNow, RTP, Same-Day ACH, and Next-Day ACH alternatives with ROI projections.
Tool 15→
Synthetic A2A Test Data Generator
Generate up to 10,000 realistic synthetic A2A payment records with deterministic seed control — realistic transaction IDs, routing numbers, timestamps, return codes, and configurable failure patterns. Export as CSV or JSON.
Tool 20→
A2A Payment Failure Analyser + RCA Generator
Paste or upload raw A2A payment logs and get automated root-cause analysis, failure pattern clustering, return-code breakdowns, and a markdown RCA report. Client-side only, zero PII retained.
Tool 51→
VDCAP Payload Auditor & Card Fee Optimizer
Paste a CNP payment payload and audit it against Visa's April 2026 VDCAP requirements. Detect missing Network Token, IP address, and Device ID fields, estimate annual fee savings at your processing volume, validate 3DS 2.x flags, and decode ISO 8583 bitmaps — all in-browser. Zero PII.
Tool 77→
ISO 20022 Data Truncation & Address Auditor
Detect "silent data loss" in MX payloads before they hit legacy systems. Paste any pacs.008 or ISO 20022 MX message to identify XML elements exceeding legacy MT character limits (35/70 chars) and audit postal addresses against the mandatory November 2026 SWIFT/EPC structured address standard. Flags addresses that will be rejected post-deadline. Exports a JSON risk report and Markdown remediation checklist. Zero PII — all parsing runs in your browser.
Tool 81→
ISO 20022 Migration Navigator
Five-stage compliance workflow for the November 2026 SWIFT CBPR+ structured address mandate. Audit MX payloads for truncation risk, parse unstructured addresses to the mandatory PostalAddress schema, score rail options for November readiness, model liquidity impact, and export a Markdown migration memo with AP2 JSON. Zero PII — all parsing runs in-browser.
Tool 82→
A2A Rail Optimization Command Center
Five-stage strategic rail selection framework: score FedNow, RTP, Same-Day ACH, SEPA Instant, and SWIFT gpi against your use case, model all-in costs, quantify liquidity impact, map compliance obligations, and export a Nygard ADR with NPV/IRR business case. Synthesises eight upstream tools into a single board-ready decision output. Client-side. Zero PII.
T342→
EU IPR ISO 20022 Structured Address Field Validator
Validate whether EU payment messages comply with the November 2026 ISO 20022 structured address mandate under EU Instant Payments Regulation. Maps AdrLine to TownName/PostCode/Country and assesses migration readiness.
T349→
SEPA IPR Annual Report Builder
Build the mandatory NCA annual report for EU PSPs under Regulation (EU) 2024/886 (mandatory from April 2026). Calculates instant payment adoption rate, VOP pass rate, fee parity compliance status, and rejection analysis. Generates structured NCA report template.
Regulatory Compliance & Consent Hub · 14 Tools
Regulatory Compliance & Consent Hub
14 browser-based tools covering the full regulatory compliance lifecycle: GDPR/UK GDPR data subject rights, FCA Consumer Duty (PS22/9), institutional sanctions programme governance (OFAC/OFSI/EU), operational resilience (FCA PS21/3), MiFID II transaction reporting readiness, LEI lifecycle validation (ISO 17442/GLEIF), BCBS 239 / SR 11-7 model risk, and a 2025–2027 regulatory change horizon scanner. UK · EU · US. Client-side. Zero PII.
GDPR · FCA Consumer Duty
Sanctions · MiFID II · BCBS 239
AP2 Export · 6 Tools
Zero PII · Client-Side
Open the Hub →
02
Compliance & Consent
46 toolsT544→
VC 2.0 Issuance Composer
Compose, sign (eddsa-jcs-2022 over an ephemeral did:key), and verify a W3C Verifiable Credential 2.0 client-side. Exports the signed credential plus an OCG Standard §23 vc-2.0 input-attestation block ready to embed in a chain. Zero PII.
T545→
SD-JWT Disclosure Workbench
Issue a Selective Disclosure JWT (RFC 9901) with per-claim disclosure toggles, or paste an SD-JWT to build a redacted presentation with an optional KB-JWT holder binding. A what-the-verifier-sees panel shows exactly the disclosed subset. Zero PII.
T549→
Verification-Failure Incident Composer
Compose and sign (eddsa-jcs-2022 over an ephemeral did:key) a verification-failure incident record from session context, an OCG Standard §22.9 AR4SI-tiered failure classification, and an escalation target, ready for a fraud team, regulator, or insurer. Attests the declared record only, never detection quality. Zero PII.
T550→
C2PA Manifest Composer
Author a C2PA manifest DEFINITION in-browser: c2pa.actions v2 assertions with a digitalSourceType picker (including trainedAlgorithmicMedia), ingredient declarations with client-side sha256 digests, a creative-work/EXIF-subset assertion, and a draft CAWG identity block. Composes and structurally validates only, never signs, and makes no Trust List claims. Zero PII.
T548→
Fedwire/CHIPS Remediation Diff Receipt
Diff an original and a remediated Fedwire/CHIPS payment file record-by-record against the November 2026 structured-address lint. Produces a per-record clearance disposition and a remediation-evidence receipt binding both file digests plus the rule-clearance delta. Zero PII.
T311→
Data Subject Rights Workflow Generator
Generate jurisdiction-specific DSR response workflows for all seven GDPR/UK GDPR rights (Art. 15–22) plus CCPA equivalents. Compliance clock, identity verification, exemption analysis, and response letter templates. Zero PII.
T315→
Consumer Duty Outcome Testing Dashboard
Score outcomes against the four FCA Consumer Duty outcome areas (PRIN 2A.3–2A.6). RAG scorecard, MI monitoring framework, evidencing checklist, and board annual assessment template. Mandatory for ~50,000 FCA-authorised firms. Zero PII.
T316→
Sanctions Programme Health Checker
Assess institutional sanctions programme governance against OFAC's Five Essential Components Framework (2019), UK OFSI General Guidance (2024), and EU Art. 8 due diligence. Programme health score, gap analysis, and VSD readiness checklist. Zero PII.
T314→
Operational Resilience Self-Assessment Tool
Map Important Business Services, set impact tolerances, and score programme maturity against FCA PS21/3 (testing phase active March 2025), PRA SS1/21, and FFIEC BCP. IBS register, scenario testing agenda, and board summary. Zero PII.
T318→
Regulatory Change Impact Assessor
Generate a prioritised regulatory change calendar for the 2025–2027 horizon, customised by institution type, jurisdiction, and product scope. Embedded database of 22 upcoming changes — effort/impact scoring, 12-month roadmap, and tool cross-reference map. Zero PII.
T317→
LEI Lifecycle & GLEIF Validation Tool
Validate LEIs against ISO 17442 check digit (MOD 97-10). Detect ISSUED, LAPSED, RETIRED, and FORMAT ERROR. Batch validate up to 100 LEIs. Map LEI fields to ISO 20022 CBPR+, MiFID II RTS 22, EMIR, and SFTR. Zero PII.
T551→
LEI Data-Quality Grading Worksheet
Grade a pasted GLEIF LEI record across six data-quality dimensions: registration status, renewal timeliness, corroboration, entity status, Level-2 parent disclosure, address completeness. Disposition each finding into a tamper-evident KYB worksheet receipt. Zero PII.
T552→
Text Redline Workbench & Diff Receipt
Deterministic line-level redline between an original and revised text or markdown document. Hand-rolled Myers diff, cryptographic diff receipt (per-hunk digests, reviewer key, eddsa signature), hash-chained accept/reject/comment disposition chain, and a built-in verifier. Zero PII.
T553→
vLEI / ACDC SAID Structural Checker
Recompute the self-addressing identifiers (SAIDs) of a pasted ACDC / vLEI credential (Blake3-256 or SHA2-256 CESR codes) and cross-check the schema SAID against a pinned official GLEIF vLEI schema table. Structural integrity only, not KERI chain-of-trust verification. Zero PII.
T554→
Workbook Table Editor
A plain-table spreadsheet grid over a hand-rolled, zero-dependency workbook core. Import CSV, edit cells, write formulas, navigate with the keyboard, select ranges, and digest a selection into a manifest fragment for verifiable-compute pipelines. Zero PII.
T560→
AIUC-1 Readiness Checkrun
Work the 23 automatable AIUC-1 controls (pillars A-F, 2026-Q1) as a CHECKRUN. Attach an attestation note or evidence digest per control, then produce a hash-chained, Merkle-rooted readiness bundle prepared for AIUC-1 review. Not a certification. Zero PII.
T313→
MiFID II / MiFIR Transaction Reporting Readiness Checker
Assess readiness for MiFID II Article 26 / MiFIR transaction reporting across 65 mandatory RTS 22 fields, ESMA validation rules, ARM connectivity, LEI population audit, and T+1 deadline compliance. EU and UK regimes. Zero PII.
T312→
BCBS 239 / SR 11-7 Model Risk & Data Governance Readiness Scorer
Score readiness against all 14 BCBS 239 principles across 4 domains and SR 11-7 model risk governance. Full 47-question or quick 14-question mode. RAG scorecard, gap table, priority remediation roadmap, and board Risk Committee pack. Zero PII.
Tool 03→
Consent Simulator + Compliance Auditor
Design and audit consent capture flows at point of data collection. Tests GDPR Art. 7, ePrivacy, CCPA, and TCF v2.2 consent mechanisms — pre-collection compliance, not post-collection rights.
Tool 07→
ACH / NACHA File Validator + Return Code Decoder
Validate NACHA-format ACH files, verify routing numbers with ABA check digit validation, decode all return and NOC codes, and check SEC code compliance. NACHA 2023 spec embedded.
Tool 11→
VRP Mandate Builder + SEPA Validator
Build UK Commercial VRP mandates with configurable parameters and validate SEPA credit transfers client-side. Includes MOD-97 IBAN check, BIC structural validation, and pain.001 XML generation.
Tool 17→
Instant Payment Limits Reference + Rail Comparator
Searchable, filterable reference for transaction limits, cut-off times, availability, and regulatory rules across FedNow, RTP, ACH, Faster Payments, SEPA Instant, PIX, UPI, PayID, and Zengin. Compare any combination side-by-side.
Tool 43→
Batch Sanctions Screening Engine
Screen names, entities, and identifiers against OFAC SDN, OFSI, UN, and EU consolidated sanctions lists using fuzzy-match algorithms. Batch processing up to 500 records. False-positive triage workflow. Zero PII.
Tool 88→
Compliance Readiness Assessment
Select your jurisdiction(s), entity type, and product category to generate a gap analysis table against PSD3, MiCA, FinCEN AML, SAMA, CBUAE, and MAS regulatory frameworks. Each requirement returns a PASS / PARTIAL / FAIL posture with a prioritised remediation checklist. Exports Markdown compliance memo and AP2 JSON.
T327→
EU AI Act Article 6 Risk-Class Mapper
Classify your financial-services AI system under EU AI Act Annex III. Identifies Unacceptable, High-Risk, Limited, and Minimal risk tiers with Article 6 legal basis, compliance obligations, and enforcement deadlines. Browser-based, zero PII.
T328→
GENIUS Act Reserve Composition Optimizer
Validate and optimise payment stablecoin reserve composition against GENIUS Act requirements (effective Jan 2027). Checks 1:1 backing, permitted assets (cash, Fed deposits, USTs ≤93d, Treasury repo), segregation, monthly disclosure, and AML/BSA programme. AP2 compliance mandate export.
T329→
FCA DPC (BNPL) Scope & Authorisation Classifier
Determine whether your BNPL/DPC operation falls within the FCA regulatory perimeter under PS26/1 (effective 15 July 2026), TPR eligibility, and authorisation pathway.
T330→
FCA DPC Creditworthiness & Affordability Assessment Builder
Build a proportionate creditworthiness and affordability assessment framework for DPC lenders per FCA PS26/1 and Consumer Duty. Generates proportionality tier, data requirements, escalation protocol, and AP2 mandate.
T331→
FCA Consumer Duty Application to DPC Mapper
Map your DPC product against the four Consumer Duty outcomes per FCA PS26/1. Generates RAG status across Products & Services, Price & Value, Consumer Understanding, and Consumer Support with remediation actions.
T333→
EU AI Act Article 9 Risk Management System Builder
Generate a compliant Article 9 Risk Management System documentation framework for high-risk AI in financial services (credit scoring, fraud, AML). Effective August 2, 2026.
T334→
EU AI Act Article 10 Data Governance Mapper
Map training and testing data governance obligations for high-risk AI systems per EU AI Act Article 10. Covers bias examination, data provenance, representativeness, and GDPR Art.22 interaction. Effective August 2, 2026.
T335→
EU AI Act Provider vs Deployer Obligations Splitter
Resolve the Art.25 provider/deployer obligation split for financial institutions using third-party AI systems. Generates obligation lists and required contract clauses between provider and deployer.
T339→
SR 26-02 Model Risk Management Gap Analyzer
Assess model risk management against the revised Interagency MRM Guidance (SR 26-02, April 2026), which replaced SR 11-7. Covers proportionality tiers, five MRM domains, agentic AI exclusion scope, and remediation priorities.
T340→
FRTB Internal Model Approach (IMA) Eligibility Checker
Determine whether a trading desk qualifies for FRTB IMA or must use SA per CRR III (binding Jan 1 2027, EU). Runs P&L attribution indicators, NMRF check, and backtesting traffic-light assessment.
T341→
Basel III Endgame (US) Capital Impact Estimator
Estimate RWA impact under the March 2026 US federal Basel III Endgame proposal. Models the Expanded Risk-Based Approach, operational risk Business Indicator charge, and revised credit risk standardised weights.
T347→
FCA Consumer Duty Annual Board Report Builder
Build the structured annual Consumer Duty board report required by FCA PS22/9 (due July 31, 2026). Encodes FCA April 2026 observations: outcome evidence standards, distribution chain monitoring, board challenge documentation, and remediation tracking across all four outcomes.
T395→
Consumer Duty Vulnerability Assessment Builder
Maps vulnerable customer segments to FCA Consumer Duty four outcome areas. 4×4 RAG matrix with gap list and required actions per PS22/9 and FG21/1.
T396→
Consumer Duty Price & Value Assessment Tool
Tests product/service against FCA PRIN 2A.4 price and value outcome. Five-factor scoring with Pass/Review/Fail verdict and price band recommendations.
T397→
Consumer Duty MI Framework Builder
Generates 16-metric MI framework covering all four Consumer Duty outcomes with data sources, frequency, owner, and escalation thresholds.
T398→
FRTB Trading Desk Structure & IMA Eligibility Assessor
Maps trading desk boundaries and tests IMA qualification criteria under FRTB MAR30-33. Outputs eligibility, colour zone, and fallback capital add-on.
T399→
P&L Attribution Test Simulator
Simulates FRTB P&L Attribution Test. Calculates Pearson/Spearman correlations, UPL variance ratio, and Green/Amber/Red zone per MAR32.
T400→
SA-CCR Exposure-at-Default Calculator
Computes SA-CCR EAD = alpha × (RC + PFE) for derivatives per CRR2/CRR3. Full formula workings with supervisory delta and maturity factor.
T401→
CVA Capital Framework Selector
Routes banks to BA-CVA vs SA-CVA vs Simplified based on portfolio, waiver eligibility, and complexity per CRR2/CRR3 Articles 381-386.
T412→
MiFID III / IFR Investment Firm Impact Assessor
Calculates IFR K-factor capital requirements (K-AUM + K-COH + K-ASA) by firm class and assesses MiFID III reform impact across best execution and research.
T413→
EU Data Act Financial Services Scope Mapper
Maps EU Data Act (Sep 2025) obligations for financial services. Articles 3-31 scope, cloud switching, public sector access, and overlap with FIDA/GDPR.
T414→
PSD3 SCA Transition Checker
Compares current PSD2 SCA implementation against PSD3. Gap analysis, exemption threshold changes, liability shift implications, and RTS timeline.
T562→
QC 1000 / AS 1215 Engagement-Documentation Gap Checker
Mark which documentation elements are present in an engagement-file inventory and get a gap report against a cited PCAOB AS 1215 / QC 1000 documentation-element checklist. Not a compliance determination. Zero PII.
T561→
Technology-Assisted-Analysis Record Composer
Compose a PCAOB AS 1105 / AS 2301 technology-assisted-analysis documentation record. Internal tool analyses are labeled observed and receipt-backed; external tool analyses are labeled asserted and digest-backed only.
03
Fraud & Risk
12 toolsFraud & Risk Hub · Cat-03 · 12 Tools
Fraud & Risk Hub
Synthetic identity scoring, APP scam pre-payment assessment, fraud investigation, chargeback representment, batch sanctions screening, and AP2 agentic policy mandate building. Built around PSR PS23/3, FRB SR 2022, FinCEN FIN-2021-A003, and NACHA March 2026 fraud rules. All client-side. Zero PII.
PSR PS23/3 · FRB SR 2022
FinCEN · SAR · APP Scam
AP2 Agentic Anchor · T323
Zero PII · Client-Side
Open the Hub →
Tool 04→
Fraud Score Simulator + Explainability Panel
Simulate ML-style fraud scoring on synthetic payment transactions with configurable feature weights and a SHAP-style explainability panel. Generates SAR-ready narrative export.
Tool 05→
Invoice-to-A2A Tooling Suite
Parse invoices into Pay-by-Bank links and reconcile A2A payments against invoice ledgers. Three integrated tools: link generator, reconciliation workbench, and aging report. New: Rule Sandbox mode — author custom AML velocity rules, configure FATF country risk flags, and measure rule effectiveness (TPR, FPR, F1 score).
Tool 06→
FedNow Participant Lookup + Coverage Stats
Search all 1,700+ FedNow participants by institution name, city, state, or routing number. Coverage analysis, DDA penetration estimates, and CSV export. Data sourced from frbservices.org.
Tool 18→
A2A Compliance Checklist Generator
Generate jurisdiction-specific compliance checklists for A2A product launches. Configure by market (US, UK, EU, Brazil, India, Australia) and product type to receive a structured checklist covering licensing, AML/KYC, data privacy, and consumer protection.
Tool 43→
Batch Payment File Validator + Sanctions Screening
Validate NACHA, ISO 20022, SEPA, and SWIFT MT batch files entirely in-browser. Entry-by-entry error table with severity classification and synthetic ACK/NACK generation. Integrated sanctions name screening with Levenshtein, Jaro-Winkler, Soundex, and token bigram algorithms — all client-side, zero PII.
Tool 37→
BIN / IIN Intelligence Workbench
Decode Bank Identification Numbers without an API key. Luhn-validate PANs, identify network (Visa, MC, Amex, Discover, UnionPay, JCB, Mir), infer card type (credit / debit / prepaid), flag likely SCA applicability for EU issuers, and map to interchange tier. Batch-process a CSV column of PANs — full PANs are truncated to BIN immediately in-browser. Zero PII leaves the tab.
Tool 41→
Chargeback Representment Builder + Evidence Optimizer
Build chargeback representment packages for Visa, Mastercard, Amex, and Discover. Reason code intelligence engine with CE 3.0 compliance checker, dynamic evidence checklist generator, win-probability estimator, and auto-generated representment letter templates. Batch mode prioritises disputes by ROI. Export evidence bundle or PDF.
Tool 80→
Payment Fraud Investigation Decision Lab
Five-stage end-to-end fraud investigation workflow — from NACHA/ISO 20022 intake and sanctions screening through BIN/FedNow entity intelligence, automated risk scoring with AML rule evaluation, jurisdiction-specific compliance mapping, to a FinCEN-ready SAR narrative and chargeback package. NACHA March 2026 fraud rules embedded. All logic is rule-based and in-browser.
Tool 321→
Synthetic Identity Fraud Risk Scorer
Pre-application synthetic identity risk scoring across 7 structural identity attributes before a credit or account decision. Composite score, signal breakdown, and CIP enhancement steps. Distinct from T04 (transaction-level) and T80 (post-event). FRB SR 2022 · FinCEN FIN-2021-A003. Zero PII.
Tool 322→
APP Scam Pre-Payment Risk Assessor
APP scam risk scoring and typology classification at the point of payment initiation. 5 scam typologies, friction intervention recommendations. Pre-payment detection only — PSR liability split and reimbursement use T257 (Cat-21). PSR PS23/3 · UK FPS CoP v3.0. Zero PII.
Tool 323→
AP2 Fraud & Risk Policy Mandate Builder
Consolidates four fraud risk dimensions — detection thresholds, APP scam controls, loss tolerance, and SAR reporting triggers — into a validated AP2 JSON mandate. agent_instructions array is MCP server deployable. Built-in contradiction detection. Agentic anchor for Cat-03. Zero PII.
T453→
Account Takeover Detection Policy Builder
Build a customised ATO detection policy by scoring 18 authentication and step-up controls against industry best practice. Generates a structured policy framework including 20-indicator risk table, step-up decision tree, incident response timeline, and SAR narrative starter. FFIEC 2021 · FCA SYSC 6.1 · PCI DSS v4.0 · PSR APP reimbursement.
T454→
First-Party Fraud & Mule Detection Framework
Score accounts for first-party fraud and money mule risk across onboarding, behavioural, and typology dimensions. Identifies bust-out patterns, synthetic identity indicators, and JMLSG Type 1/2/3 mule profiles. Generates SAR narrative starter and investigation checklist. JMLSG Part II §16 · PSR PS23/3 · FinCEN FIN-2014-A008.
04
Ops & Monitoring
11 toolsPayment Ops & Monitoring Hub · Cat-04 · 11 Tools
Payment Ops & Monitoring Hub
Real-time rail prefunding scheduling, a 16-rail global cutoff atlas, smart routing, A2A migration, ops incident runbooks, and an AP2 agentic ops policy mandate builder. FedNow · RTP · SEPA Instant · Fedwire · CHAPS · PIX · UPI · SWIFT gpi. All client-side. Zero PII.
FedNow · RTP · SEPA Instant
16 Rails · DST · Cutoff Atlas
AP2 Agentic Anchor · T326
Zero PII · Client-Side
Open the Hub →
Tool 08→
Pay-by-Bank Checkout Prototyper
Prototype open banking pay-by-bank checkout flows with configurable UX patterns, bank selection UI, and consent screens. Generates conversion insight metrics for A/B comparison.
Tool 13→
Payment Journey Mapper + Failure Points Overlay
Visualize end-to-end payment flows for FedNow, ACH, UK Open Banking, and SEPA Instant — from origination through settlement. Toggle a failure-points overlay to expose failure modes and mitigations at each step.
Tool 14→
Real-Time Ops Dashboard Template
A configurable mock real-time A2A payments operations dashboard. Monitor simulated FedNow, RTP, ACH, and SEPA Instant SLAs, latency percentiles, transactions per minute, and failure rates with configurable alert thresholds.
Tool 21→
Emerging Market A2A Corridor Cheat Sheet
Instant-access structured reference for 30+ emerging market payment corridors — covering rail availability, FX volatility tiers, regulatory risk ratings, typical settlement times, and recommended A2A approach. Filter by region, risk tier, or rail type. Export as CSV.
Tool 22→
Payment Decline Code Decoder & Recovery Guide
Look up any card or A2A payment decline code across Visa, Mastercard, NACHA, SEPA, and FedNow. Each entry includes the plain-English reason, whether to retry, recommended recovery action, and whether the issue is issuer-side, network-side, or originator-side.
Tool 40→
Payment Operations Incident Response Runbook Builder
Wizard-driven generator for jurisdiction-specific incident response runbooks. OCC 36hr, GDPR 72hr, DORA 4hr countdown timers, P1–P4 severity classifier, role assignment matrix, communication templates, and tabletop exercise scenarios. Export as Markdown.
Tool 78→
Smart Routing Advisor — Payment Rail Decision Engine
7-step wizard that recommends the optimal payment rail for your scenario. Scores ACH Same-Day/Next-Day, FedNow, RTP, Fedwire, SWIFT, SEPA Instant/CT, UK Faster Payments, PIX, and UPI on speed, cost, finality, reach, and revocability — with configurable priority weighting. Generates a scored comparison matrix, settlement timeline chart, and a board-ready decision rationale memo. All logic is rule-based, in-browser. Zero PII. Exports CSV, Markdown, and AP2 JSON.
Tool 84→
A2A Real-Time Migration Lab
Five-stage operational playbook for migrating payment flows to real-time A2A rails — FedNow, RTP, or open-banking VRP. From cost baseline and rail scoring through liquidity modelling, compliance gating, synthetic test data generation, and a board-ready go-live playbook with six-phase implementation checklist. Entirely client-side. Zero PII.
Tool 324→
Real-Time Rail Prefunding Scheduler
Daily prefunding schedule builder for FedNow, RTP, and SEPA Instant. 24-row hourly net position table, opening balance recommendation, top-up windows, idle capital cost, and three-rail comparison panel. For BCBS 248 facility sizing use T258 (Cat-21). Zero PII.
Tool 325→
Global Payment Cutoff & Settlement Atlas
Operator-level cutoff precision across 16 global rails with DST adjustment and bank holiday flags for a specific date and corridor. Fedwire, FedNow, ACH, RTP, CHAPS, UK FPS, SEPA, T2, PIX, UPI, NPP, BACS, CIPS, SWIFT gpi. Distinct from T21 (emerging market corridor strategy). Zero PII.
Tool 326→
AP2 Payment Ops Policy Mandate Builder
Consolidates four ops policy dimensions — liquidity, routing, SLA monitoring, and incident escalation — into a validated AP2 JSON mandate. Imports T324 prefunding schedule directly. agent_instructions array is MCP server deployable. Built-in routing policy validation. Agentic anchor for Cat-04. Zero PII.
05
Open Banking & APIs
25 toolsOpen Banking & API Integration Hub · 13 Tools Unlocked
Open Banking & API Integration Hub
All 10 Cat-5 tools are now live as a unified developer onboarding suite: covering ISO 20022 message validation, consent scope mapping, SCA exemption logic, FAPI 1.0/2.0 payload generation, VRP mandate building, IBAN/BIC validation, and API exploration. One guide. Every open banking workflow. PSD3 · CFPB 1033 · UK OB · FAPI · SEPA.
ISO 20022 · CBPR+
PSD3 · CFPB 1033
FAPI 1.0 / 2.0
Zero PII · Client-Side
Open the Hub →
Tool 10→
Open Banking API Explorer + Rate Limit Simulator
Browse and edit mock UK Open Banking v3.1 and CFPB 1033/FDX API responses across 10 endpoint types. Simulate 429 rate limit throttling and generate retry code in JavaScript or Python.
Tool 16→
IBAN Validator + BIC Lookup + SEPA Reachability
Validate IBANs using the full MOD-97 algorithm with country-specific length checks, validate BIC structural format, and verify SEPA reachability. Batch CSV mode for bulk validation.
Tool 91→
Open Banking Consent & Permission Dashboard Builder
Design, preview, and validate customer-facing Open Banking consent dashboards across UK OBIE, EU PSD3/PSR, and US CFPB 1033. Configure account scopes, TPP identity, data clusters, and access duration — then generate a live dashboard preview and jurisdiction-specific compliance checklist. Export to SVG, Markdown, or JSON. Zero PII.
Tool 92→
SCA Exemption & Consent Scope Mapper
Three engines in one: deterministic SCA exemption eligibility under EBA RTS 2023 and UK FCA guidance; consent scope translation across UK OB v3.1, EU PSD3, AU CDR, and US CFPB 1033/FDX; and FAPI 1.0/2.0 JWT payload generation via browser-native WebCrypto. Zero network transit, zero PII.
Tool 93→
VRP Mandate & Sweep Logic Builder
Design Variable Recurring Payment mandates in Sweeping or Commercial mode, stress-test hard limits against billing cadences, and simulate sweep algorithms with a deterministic day-by-day SVG visualizer. Outputs OBIE v3.1.10 and FDX v5.2 compliant JSON payloads — entirely browser-side, zero PII.
Tool 94→
Open Banking Transaction Visualizer & Ledger
Paste a raw Open Banking API response — UK OBReadTransaction6 or FDX v5 format — and instantly see a sortable ledger, inflow/outflow breakdown, MCC merchant categories, running balance chart, and schema sanity checks. Nothing leaves your browser.
Tool 95→
Open Banking Payment Corridor Optimizer
Select an origin and destination, enter transaction amount and constraints, and get a ranked comparison of A2A payment rails — FedNow, SEPA Instant, SWIFT gpi, Faster Payments, RTP, ACH, PIX, UPI, and more — scored by cost, speed, and compliance. All fee and timeline data embedded as static reference tables. Zero PII.
Tool 96→
Open Banking Consent Receipt Generator + Validator
Generate standardized, machine-readable consent receipt artifacts for UK OBIE v3.1, EU PSD2/PSD3 (Berlin Group), and US CFPB 1033/FDX. Validate existing receipts against schema rules. Export as JSON, human-readable memo, or audit trail — entirely in your browser. Zero PII.
Tool 97→
FAPI Security Header & Compliance Validator
Paste raw HTTP response headers or an authorization request URL and instantly validate against FAPI 1.0 Read-Write, FAPI 2.0 Security Profile, UK OB Security Profile, PSD2 RTS Article 98, and Berlin Group NextGenPSD2. Outputs a pass/fail report with remediation guidance. Client-side only — no credentials leave your browser.
Tool 98→
ISO 20022 Message Validator + Field Explorer
Validate pacs.008, pain.001, camt.053, and 20+ ISO 20022 message types against embedded schema rules. Parse every field with its business meaning, run batch validation up to 50 messages, and explore the full field path dictionary — entirely in your browser. Zero PII.
Tool 100→
DORA Operational Resilience Auditor
Score 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 AP2 JSON. Client-side. Zero PII.
Tool 101→
ISO 20022 Migration Readiness Scorer
Score 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.
Tool 102→
AP2 Agentic Payments Compatibility Checker
Validate whether your payment flow meets AP2 agentic payments standards. Check agent verification, consent scope, payload structure, and settlement rail compatibility. Paste an AP2 JSON payload for field-level validation, or use the manual checklist. Generates a compatibility score and AP2 JSON scaffold. Client-side. Zero PII.
T165→
CFPB §1033 Institution Classifier
Classify your institution under CFPB §1033 Personal Financial Data Rights. Determines Tier 1–4 or TPPP status, compliance deadline, and full obligations checklist. Client-side. Zero PII.
T166→
CFPB §1033 Data Rights Scoper
Scope your CFPB §1033 covered data obligations across the 7 data categories. Determine which categories apply to your institution and products, with access rules, format requirements, and data minimization constraints. Client-side. Zero PII.
T167→
CFPB §1033 TPPP Obligation Mapper
Map CFPB §1033 obligations for Third-Party Payment Providers (TPPPs). Select TPPP type and use cases to receive authorization requirements, data minimization rules, purpose limitations, and consumer revocation obligations. Client-side. Zero PII.
Treasury & Liquidity Management Hub · 17 Tools Unlocked
Treasury, Strategy & Revenue Hub
All 15 Cat-6 tools now live as a unified CFO and treasury onboarding suite: covering cash flow forecasting, working capital cycle optimization, A2A liquidity simulation, FX hedge modeling, dynamic discounting, subscription dunning, and board memo generation. One guide. Every treasury decision. Client-side. Zero PII.
Basel III · FedNow · EU IPR
A2A · ACH · SEPA · Swift
AP2 JSON Export
Zero PII · Client-Side
Open the Hub →
06
Treasury, Strategy & Revenue
24 toolsTool 19→
Nostro/Vostro A2A ROI Memo Generator
Generate a ready-to-paste executive memo quantifying working capital savings of migrating from correspondent banking to tokenized A2A rails. Input volume, settlement days, and CB fee to receive a formatted memo with trapped capital estimate and fee savings projection.
Tool 23→
Cross-Border Corridor Savings Calculator
Calculate real cost savings of switching from SWIFT correspondent banking to A2A direct rails for a specific cross-border corridor. Enter send volume, current SWIFT fees, and FX spread to receive a projected annual saving and payback timeline.
Tool 24→
Subscription Churn Analyzer: Card vs. A2A/VRP
Quantify the ROI of migrating subscription payments from card-on-file to A2A / Variable Recurring Payments. Input subscriber count, ARPU, churn profile, and card failure rate assumptions to receive a plain-text ROI summary with recovered revenue projection.
Tool 25→
ISO 20022 Payment Reference Generator
Generate compliant ISO 20022 payment reference numbers, UETRs (RFC 4122 v4 UUIDs), end-to-end identifiers, and instruction IDs per CBPR+ and HVPS+ specifications. Batch generation with CSV export.
Tool 26→
APP Fraud Liability Decision Matrix
Model liability allocation for authorized push payment fraud across UK and EU regulatory frameworks. Configurable scenario inputs covering bank liability, consumer negligence, and reimbursement thresholds.
Tool 27→
A2A Settlement Finality Comparator
Compare settlement finality mechanics and risk exposure across RTGS, DNS, FedNow, RTP, SEPA Instant, and blockchain/tokenized rails. Includes legal finality vs. operational finality distinction per jurisdiction.
Tool 39→
A2A Liquidity Simulator — Single & Multi-Rail
Model intraday cash flow and prefunding requirements across FedNow, RTP, ACH, SEPA Instant, PIX, and UPI. Single-rail mode shows minute-by-minute balance charts, overdraft risk windows, and idle capital cost. Multi-rail mode optimises prefunding allocation with cross-rail waterfall routing.
Tool 47→
Options P&L Analyzer
Full Black-Scholes pricing engine with all five Greeks per leg and net position. Ten prebuilt strategies — Bull Call Spread, Iron Condor, Straddle, Strangle, Butterfly, and more. Interactive canvas payoff diagram with expiry and current-value curves, breakeven markers, and probability-of-profit calculation. Pure client-side math — no API.
Tool 42→
Cash Flow Forecaster & Liquidity Stress Lab
13-week rolling and 12-month cash flow workbench. Manual entry or CSV import. Stackable stress scenarios — delayed receivables, payroll spikes, tax payments, revenue shock — recalculate instantly. Configurable minimum-cash threshold flags runway warnings. Export CSV forecast, PDF board memo, or AP2 JSON.
Tool 45→
Subscription Dunning & Recovery Simulator
Model retry strategies, dunning sequences, and billing cadence for recurring payments. Simulate involuntary churn recovery across configurable synthetic cohorts — fixed-interval, exponential backoff, payday-aware, and payment method fallback. Export an AP2-compatible strategy mandate with board-ready revenue impact projections.
Tool 46→
Payment Investment ROI & Business Case Builder
Generate a CFO-ready executive memo for A2A migration, FedNow adoption, or ISO 20022 rollout. Input implementation costs, volume projections, and cost of capital — receive NPV, IRR, payback period, and three scenario analyses (base / optimistic / pessimistic). Comparison modes: card vs. A2A, ACH vs. real-time, build vs. buy. Export PDF or AP2 JSON.
Tool 76→
Cross-Border FX Hedge Optimizer & All-in Cost Simulator
Model all-in costs for cross-border B2B payments across four rails — SWIFT correspondent banking, fintech aggregators, stablecoin conduits, and tokenized A2A — with embedded corridor fee tables for 30+ currency pairs. Calculate FX exposure at risk, forward hedge breakevens, and natural hedge offsets. Generates a corridor-specific cost breakdown, annualized savings comparison, and a board-ready treasury memo. No market data APIs. Zero PII.
Tool 79→
Dynamic Discounting & Working Capital Optimizer
Evaluate whether paying supplier invoices early captures positive economic value. Enter discount terms (e.g. 2/10 net 30) to see the implied annualized return vs. your cost of capital. Portfolio mode ranks up to 20 invoices by return efficiency and greedily selects the optimal early-payment mix given a liquidity budget. Calculates DPO impact, foregone treasury yield, and net benefit. Exports a ranked invoice table and board-ready Markdown memo. Client-side. Zero PII.
Tool 89→
Working Capital Cycle Optimizer & CCC Stress Lab
Model the Cash Conversion Cycle (DSO + DIO − DPO) across AR/AP/Inventory aging ledgers.
Paste or upload CSV aging reports, run 1,000+ deterministic scenario permutations, and
project 30-day intraday cash gaps. Exports a CFO-ready Markdown memo, SVG waterfall chart,
and AP2 Policy Mandate JSON for TMS/ERP ingestion. Client-side. Zero PII.
Tool 103→
Payment Method Mix Optimizer
Calculate your Payment Method Health Score and optimize checkout economics across cards, A2A, BNPL, digital wallets, and ACH. The Rail Blending Optimizer recommends the exact mix for your merchant category and geography. Models Durbin routing savings, BNPL vs. card break-even, and demographic-driven conversion uplift. Client-side. Zero PII.
Tool 104→
Receivables DSO & Collections Optimizer
Enter your AR aging buckets and get a ranked action plan showing which collection levers reduce DSO fastest and how much cash each releases. Models early-pay discounts, rail migration to RTP, dunning tightening, and factoring thresholds across three scenarios. Exports a board memo and AP2 JSON. Client-side. Zero PII.
Tool 105→
Cross-Border FX Netting Simulator
Simulate multilateral FX netting across up to 8 currencies. Enter payable and receivable exposures, apply spot and forward rates, and calculate your netting efficiency ratio, net settlement savings, and residual FX risk. Generates a bilateral netting matrix and hedge recommendation for open positions. Client-side. Zero PII.
Tool 106→
Treasury Float & Liquidity Forecasting Workbench
Model daily cash positions over a 13-week rolling horizon with business-day calendar adjustment for 30+ currencies. The Sweep Optimizer moves excess cash across up to 5 accounts respecting ACH, FedNow, SEPA Instant, and CHIPS cut-off times. Stress-test sliders recalculate the projected balance curve instantly. Exports a daily treasury action list and AP2 JSON. Client-side. Zero PII.
Tool 83→
Treasury Operations Decision Lab
Five-stage decision framework for treasury teams: model your revenue profile, optimise fee structures across A2A and card rails, stress-test float and FX strategies, quantify revenue leakage, and export a board-ready CFO treasury memo. Synthesises the A2A Fee Calculator, ClearCost Analyzer, Liquidity Simulator, and FX Hedge Optimizer into a unified output. Zero PII.
T273→
EU FIDA / Open Finance Readiness Scorer
Horizon-readiness scorer for the draft EU Financial Data Access Regulation: scope classification by entity and data category, FDSS membership and permission-dashboard readiness with gap registry, and a US CFPB §1033 comparison. Draft law — heavily date-stamped. Pairs with T360. Client-side. Zero PII.
T343→
PSD3 / PSR2 Transition Impact Assessor
Assess the transition from PSD2/EMD2 to PSD3/PSR for PIs, EMIs, and banks. Covers EMI-to-PI reclassification, mandatory VoP extension, prescriptive API SLA standards, and revised SCA. Expected OJ publication Q2/Q3 2026.
T360→
FiDA Open Finance Data Access Scope Mapper
Map obligations under the proposed EU Financial Data Access Regulation (FiDA), extending data sharing beyond payment accounts to mortgages, savings, investments, insurance, pensions, and crypto-assets. Assess in-scope data categories, customer permission model, FDSS participation, and API readiness.
T348→
eIDAS 2.0 EUDI Wallet Relying Party Readiness Scorer
Score readiness to accept EU Digital Identity Wallets (EUDI) as SCA under eIDAS 2.0 (Regulation EU 2024/1183). Member states deploy wallets by December 2026; financial institutions must accept wallet-based authentication by December 2027. Covers OID4VC, ETSI TS 119 461 v2, and operational readiness.
T407→
FIDA FIP Authorisation Readiness Builder
Gaps FIP licence applications against EU FIDA Regulation Articles 14-25. Readiness score 0-100 with authorisation timeline and technical standards.
T408→
FIDA Permission Scheme Scope Checker
Maps data categories to FIDA permission scheme vs PSD2/open banking obligations. In Scope / Out of Scope / Existing Obligation per data type.
T409→
Open Finance API Monetisation Calculator
Models revenue scenarios for data holders offering premium open finance API access under FIDA. 3-year projection, margin analysis, and break-even.
T410→
FIDA Cross-Sector Data Scope Mapper
Maps insurance, pension, mortgage, and investment data into FIDA scope with Phase 1/2/3 implementation timeline per sector and standardisation body.
T411→
Open Finance Business Case ROI Modeller
5-year ROI model with NPV, payback period, and ±20%/±30% sensitivity analysis for open finance API investment decisions.
T469→
Liquidity Coverage Ratio (LCR) Calculator
Calculate Basel III Liquidity Coverage Ratio: HQLA / Net Cash Outflows over 30 days ≥ 100%. HQLA classification (Level 1, 2A, 2B) with haircuts. Run-off rates for retail deposits, wholesale (unsecured/secured), and contingent commitments. CRR2 / LCR Delegated Act (EU 2015/61) · Basel III January 2013. Stage 2 of the bank capital & liquidity composer.
T470→
Net Stable Funding Ratio (NSFR) Calculator
Calculate Basel III Net Stable Funding Ratio: Available Stable Funding / Required Stable Funding ≥ 100%. ASF factors for liabilities by tenor and counterparty. RSF factors for assets by category and residual maturity. Structural liquidity gap and required stable funding shortfall. CRR2 / Basel III October 2014. Stage 3 of the bank capital & liquidity composer.
T471→
Basel III Leverage Ratio Calculator
Calculate Basel III leverage ratio: Tier 1 Capital / Exposure Measure ≥ 3% (G-SIBs: ≥ 3.5%). Exposure measure covers on-balance-sheet, SFTs, derivatives (replacement cost + PFE add-on), and off-balance-sheet (CCF). Basel III final (Dec 2017) · CRR2 Art. 429 · Pillar 3 table LR1/LR2. Stage 4 of the bank capital & liquidity composer.
T472→
Pillar 3 Disclosure Builder
Assemble Basel Pillar 3 quantitative disclosure tables: CC1/CC2 (capital composition), OV1 (RWA overview), CR4/CR5 (credit risk SA), LR1/LR2 (leverage ratio), LIQA (liquidity), and KM1 (key prudential metrics). Structured output maps to EBA ITS 2021/637 templates. Stage 5 (final) of the bank capital & liquidity composer. Exports Tier 1 Policy Mandate.
T473→
GloBE ETR Jurisdiction Calculator
Calculate GloBE Effective Tax Rate (ETR) per OECD Pillar Two (Art. 5.1.1): Adjusted Covered Taxes / GloBE Income. Computes SBIE (Art. 5.3) with transitional payroll and asset rates through FY2026. Multi-jurisdiction comparison with ETR gap flags. ⚠ US-HQ groups exempt from IIR/UTPR per OECD January 2026 package. Stage 1 of the Pillar Two GloBE composer.
T474→
Top-up Tax & QDMTT Calculator
Compute Pillar Two top-up tax per Art. 5.2.1: (15% − ETR) × (GloBE Income − SBIE). Allocates top-up between QDMTT (Art. 11.3), IIR (Art. 2.1), and UTPR (Art. 2.4) by jurisdiction. ⚠ US-HQ groups exempt from IIR and UTPR — QDMTT exposure remains. Consumes T473 outputs. Stage 2 of the Pillar Two GloBE composer.
T475→
Pillar Two Transitional Safe Harbour Checker
Check OECD Pillar Two transitional CbCR safe harbour eligibility per agreed guidance (December 2022). Three tests: (1) de minimis (revenue < €10M AND PBT < €1M), (2) simplified ETR ≥ threshold (15%/15%/16% for FY2024/2025/2026), (3) routine profits (PBT ≤ SBIE). Transitional period expires FY2026. Stage 3 of the Pillar Two GloBE composer.
T476→
GloBE Information Return (GIR) Builder
Assemble OECD GloBE Information Return (GIR) skeleton per GIR Standard (November 2022): Parts I (group header), II (jurisdiction overview), V (top-up tax summary). Required for MNE groups with consolidated revenue ≥ €750M. FY2024 filing due 30 June 2026. ⚠ US-HQ groups exempt from IIR/UTPR. Final stage of the Pillar Two GloBE composer. Exports Policy Mandate JSON + Markdown + CSV.
Featured Tool · Zero Network Calls
PayCode Decoder
Paste any payment code, whether an ACH return code (R01–R85), ISO 20022 message type, SWIFT MT field tag, IBAN, BIC, UETR, SEPA code, or ISO 4217 currency, and get an instant plain-English explanation with remediation guidance and contextual tool links. The full lookup library ships with the page. Nothing is ever transmitted to a server.
Open Decoder →
08
Reference & Decoder
6 tools
Ref · 28
→
PayCode Decoder
Paste any payment code and get an instant plain-English explanation. Covers ISO 20022 message types, SWIFT MT field tags, ACH return codes R01–R85, NACHA NOC codes, FedNow identifiers, SEPA codes, IBAN, BIC, UETR, and ISO 4217 currency codes. MT↔MX field mapping with flip direction, flow diagrams, and copy-ready test XML. Zero PII. No network calls after page load.
Tool 361→
ISO 8583 Message Decoder
Decode raw ISO 8583 financial transaction messages from hex or ASCII input. Parses the MTI, primary and secondary bitmaps, and all data elements DE 1–128 with field name, format, and value. Full DE 39 response code lookup with recommended actions. Manual DE field reference included. Export decoded fields as JSON.
Tool 362→
Payment Return & Reject Code Library
Unified searchable reference for 90+ payment return and reject reason codes across five schemes: SEPA R-transactions (AC01, AM04, MS03…), NACHA ACH (R01–R31), FedNow (RJCT, FOCR…), UK Faster Payments, and SWIFT/gpi. Each entry shows the full name, originator, cure action, and applicable time limits.
Tool 363→
LEI / BIC / IBAN Anatomy Decoder
Decode and validate three financial identifiers in one tool. LEI: anatomy breakdown, LOU prefix lookup, ISO/IEC 7064 MOD 97-10 check digit validation. BIC: institution, country, location, branch decomposition. IBAN: country, check digits, BBAN anatomy, mod-97 validation, and SEPA reachability (SCT, SDD, SCT Inst). Export decoded result as JSON.
Tool 367→
Payment & Fintech Regulatory Acronym Reference
Searchable reference of 250+ payment and fintech regulatory abbreviations, standards, and frameworks. Covers EU regulations (DORA, PSD3, MiCA, AMLD6, SFDR, CSRD, EU AI Act), US rules (Reg E, BSA, GENIUS Act, Dodd-Frank), international standards (ISO 20022, FATF, BCBS 239), scheme rules (VAMP, 3DS2, PCI DSS), and agentic payment protocols (AP2, ACP, x402, Visa TAP, Mastercard Agent Pay).
T402→
SWIFT MT→MX Field Migration Decoder
Maps legacy SWIFT MT fields (MT103/MT202/MT940/MT950) to ISO 20022 MX equivalents with truncation alerts and coexistence period guidance.
T403→
Payment Error Code Resolver
Resolves payment decline/error codes across 8 rails (SWIFT, SEPA, NACHA ACH, Visa, Mastercard, FPS, FedNow, RTP) with root cause and remediation steps.
Card Economics Hub · Cat-09 · 7 Tools
Card Economics Hub
Seven browser-based tools covering the full card payment economics stack: merchant interchange cost analysis, MCC risk profiling, scheme fee modeling for acquirers, issuer card portfolio P&L, and card programme unit economics. Visa · Mastercard · 2025–2026 rates embedded. Client-side. Zero PII.
Visa · Mastercard
FANF · Interchange · Scheme Fees
Issuer P&L · Co-Brand · Prepaid
Zero PII · Client-Side
Open the Hub →
09
Card Economics
7 toolsTool 38→
ClearCost Card & A2A Payment Cost Analyzer
Merchant View compares Flat-Rate vs. Interchange-Plus vs. Cash Discount with animated donut charts. Professional View dissects MDR at the line-item level — interchange, assessment, processor markup — with downgrade scenarios, Durbin context, CEDP toggle, and A2A comparison bar. Visa and Mastercard 2025–2026 rates embedded.
Tool 44→
MCC Code Explorer & Risk Profiler
Searchable, filterable reference for 340+ Merchant Category Codes from ISO 18245. Filter by risk tier (Low / Medium / High / Prohibited), network flags, NAICS industry group, and registration requirements. Click any row for a full detail drawer: Visa/Mastercard rules, chargeback thresholds, SIC/NAICS cross-references, and Durbin Amendment eligibility.
Tool 52→
Interchange Fee Optimizer
Model U.S. interchange fees across Visa, Mastercard, Amex, and Discover. Compare flat-rate vs. interchange-plus vs. tiered pricing. Calculate Level 2/3 savings, PIN debit routing, and A2A migration ROI. Client-side. Zero PII.
Tool 85→
Merchant Card Economics Optimizer
Four-stage merchant card cost analysis and optimization framework. Model blended interchange rate, map MCC risk and category, identify routing and surcharging savings, audit VDCAP April 2026 authentication compliance across all six required fields, and generate a board-ready CFO optimization memo — all client-side, zero PII. Visa and Mastercard 2025–2026 rates embedded.
T415→
Scheme Fee Analyzer
Break down Visa and Mastercard scheme fees for acquirers — assessment fees, FANF (Fixed Acquirer Network Fee, 6 volume tiers), cross-border assessments, NABU/APS per-transaction fees — with SVG charts, bps-of-volume breakdown, and industry benchmark comparison. 2025–2026 US and EU rates embedded.
T416→
Issuer Card Portfolio P&L Model
Model the full economics of a card issuer's portfolio: net interest income, interchange revenue, annual fees vs. rewards liability, fraud loss, credit losses, and servicing cost → per-account unit economics, portfolio ROA, and base-vs-scenario delta comparison. Consumer credit, debit, and commercial card types.
T417→
Card Programme Unit Economics Builder
Model co-brand, private label, fintech/BIN-sponsor, and prepaid card programme economics — issuer interchange split, rewards liability, marketing contribution from partner, programme management cost → net per-card income, breakeven spend, and sensitivity table. Export AP2 JSON.
ESG & Climate Finance Hub · 9 Tools · TCFD · TNFD · Net Zero · Green Bonds
ESG & Climate Finance Hub
Nine browser-based tools spanning financed emissions (PCAF), climate risk disclosure (TCFD/ISSB S2), physical climate hazard mapping (IPCC RCP scenarios), greenwashing risk, EU Green Bond Standard screening, SLL/SLB KPI adequacy, net zero alignment (SBTi/NZAM/Paris 1.5°C), and TNFD nature & biodiversity risk. Client-side. Zero PII.
TCFD · ISSB S2 · IPCC
TNFD LEAP · SBTi · NZAM
EU GBS · PCAF · ICMA SLP
Zero PII · Client-Side
Open the Hub →
07
ESG & Sustainable Finance
9 toolsTool 49→
Portfolio Financed Emissions Calculator (PCAF)
PCAF-aligned calculator for portfolio financed emissions across all seven PCAF asset classes — Listed Equity, Corporate Bonds, Business Loans, Commercial Real Estate, Mortgages, Motor Vehicle Loans, and Project Finance. Attribution formula: Financed Emissions = (Outstanding Amount / Company Value) × Company Emissions. Outputs Scope 1/2/3 breakdown, PCAF Data Quality Score, and scenario rebalancing model. Exports SFDR/CSRD-ready summary and AP2 JSON.
Tool 50→
Trade Finance Document & Letter of Credit Analyser
Client-side parser for Letters of Credit, SWIFT MT700, and Incoterms 2020. Validates UCP 600 fields, decodes MT700 tags to plain English, and flags common LC discrepancies. Export discrepancy report as Markdown.
Tool 364→
TCFD / ISSB S2 Climate Risk Disclosure Builder
Map climate-related risks to the four TCFD/ISSB S2 pillars — Governance, Strategy, Risk Management, Metrics & Targets. Score readiness across pillars, generate a structured ISSB S2 disclosure checklist with 20 requirements, and produce a prioritised gap-remediation list. ISSB S2 replaces TCFD for FCA-supervised firms from 2026. Exports AP2 Policy Mandate JSON and Markdown summary.
Tool 365→
Greenwashing Risk Assessor
Score a financial product's sustainability claims, product name, and marketing materials against four anti-greenwashing frameworks: ESMA guidance (2024), FCA anti-greenwashing rule PS23/16 (effective May 2024), UK SDR naming and marketing rules, and SFDR product-level disclosure consistency. Produces a Low/Medium/High greenwashing risk score, a claim-by-claim assessment, and a remediation checklist. Exports AP2 Policy Mandate JSON.
Tool 366→
SLL / SLB KPI Adequacy Checker
Assess whether proposed KPIs for a Sustainability-Linked Loan or Bond meet the five ICMA SLP / LMA SLLP adequacy criteria: material to core business, measurable and quantifiable, externally verifiable, ambitious relative to baseline, and aligned with sustainability strategy. Scores each criterion, flags weaknesses, and generates a structured KPI assessment document suitable for lender credit committee review. Exports AP2 Policy Mandate JSON.
T380→
Physical Climate Risk Exposure Assessor
Map portfolio exposure to IPCC physical climate hazards — acute (flood, wildfire, extreme heat, storm, drought) and chronic (sea level rise, temperature increase, precipitation change, permafrost thaw) — across RCP 2.6 / 4.5 / 8.5 scenarios. Scores each hazard, generates a risk heatmap, and produces a TCFD physical risk pillar disclosure checklist with prioritised actions.
T381→
EU Green Bond Standard (EU GBS) Eligibility Screener
Screen bonds against EU GBS Regulation 2023/2631 (applicable December 2024). Checks 100% taxonomy alignment of use of proceeds, pre-issuance factsheet, accredited external verifier obligation, and post-issuance reporting commitment. Returns ELIGIBLE / CONDITIONALLY ELIGIBLE / NOT ELIGIBLE verdict with a gap remediation list and required documentation checklist.
T382→
Net Zero Alignment Scorer
Assess portfolio or firm alignment across three leading net zero frameworks: SBTi (Science Based Targets initiative), NZAM (Net Zero Asset Managers), and the Paris Agreement 1.5°C pathway. Scores ambition, Scope 3 coverage, decarbonisation rate, and interim milestones. Produces per-framework scores, a gap analysis table, and prioritised decarbonisation actions.
T383→
TNFD Nature & Biodiversity Risk Assessor
Assess nature-related financial risks using the TNFD LEAP framework (Locate, Evaluate, Assess, Prepare). Score sector-level dependencies across four ecosystem service categories — Provisioning, Regulating, Cultural, and Supporting. Generates LEAP readiness scores, a TNFD disclosure checklist aligned to the four TNFD pillars, and prioritised nature risk actions. Based on TNFD Final Recommendations v1.0 (Sep 2023).
Open Wealth Architecture Hub · 12 Tools Live · Portable Scenario State
Open Wealth Architecture Hub
Browser-based wealth planning and retirement modeling suite. Monte Carlo FIRE simulator, personal finance life modeling, startup runway analysis, compound interest modeling, asset allocation heatmapping, and more, all linked by a Portable Scenario State system. No accounts. No uploads. Everything local.
FIRE · Retirement
Monte Carlo Engine
Portable Scenario State
Zero PII · Client-Side
Open the Hub →
10
Personal Finance
14 toolsTool 48→
Personal Finance Life Simulator
Browser-based financial future modeler — no server, no PII. Input income, expenses, savings rate, investment allocation, debt, and tax bracket. Simulate net worth over time, compare save-more vs. pay-debt-first scenarios, model snowball vs. avalanche debt payoff, and project 401(k)/IRA retirement balances. All projections are illustrative. Export CSV or plain-language summary memo.
Tool 87→
Startup Survival — Runway & Trajectory Simulator
Input monthly revenue, burn rate, cash balance, and growth assumptions to get a real-time SVG trajectory chart showing your current cash curve vs. an optimised scenario. Displays your death date, survival probability across three scenarios (Conservative / Base / Optimistic), and a Markdown runway report ready to share with your board or investors. Client-side. Zero PII.
Tool 107→
Monte Carlo FIRE Trajectory Simulator
Run 1,000+ market scenarios in your browser to find the true probability your retirement portfolio survives. Uses a parametric Monte Carlo model with Box-Muller sampling — not a static linear calculator. Outputs a probability cone, success rate, and Sequence of Returns Risk overlay. Save as a shareable Scenario Code via the Portable Scenario State system. Zero API. Zero PII.
Tool 169→
Roth vs. Traditional Conversion Estimator
Model whether to convert pre-tax IRA/401k dollars to Roth now or defer. Calculates tax cost of conversion, lifetime Roth advantage, tax-bracket headroom, and breakeven age. Outputs a Policy Mandate. Client-side. Zero PII.
Tool 170→
4% Rule Safe Withdrawal Rate Calculator
Test your planned withdrawal rate across bull, base, bear, and sequence-of-returns-stress scenarios. Models years-to-depletion, FIRE number at 3–5% SWR, Guyton-Klinger guardrails, and 30-year inflation erosion. Policy Mandate export. Zero PII.
PF · 132→
Compound Interest Explorer
Interactive compound growth calculator with tax-drag overlay and inflation adjustment. Model contributions, time horizon, and expected return across pre- and post-tax scenarios.
PF · 133→
Asset Allocation Heatmapper
Visualize correlation and volatility across your portfolio allocations as an interactive heatmap. Input asset weights and returns to see risk concentration and diversification gaps.
PF · 134→
3-Fund Portfolio Builder
Model a three-fund lazy portfolio with rebalancing bands and tax-lot optimization. Configure US equities, international equities, and bond allocation with threshold-triggered rebalancing logic.
PF · 135→
Sequence of Returns Risk Calculator
Isolate the impact of return ordering on retirement outcomes across historical crash sequences. Compare early-retirement crash vs. late-retirement crash scenarios to stress-test withdrawal sustainability.
PF · 136→
Roth vs. Traditional Conversion Estimator
Model the long-run tax cost of Roth conversions vs. traditional deferral across income brackets. Factor in current vs. future marginal rates, RMDs, and estate planning scenarios.
PF · 137→
4% Rule Safe Withdrawal Calculator
Apply the Bengen rule with personalized adjustments for age, allocation, and spending flexibility. Model variable withdrawal strategies — constant dollar, constant percentage, guardrails — against historical success rates.
PF · 138→
Inflation "Creep" Destroyer
Calculate how lifestyle inflation erodes FIRE targets and model frugality levers year by year. Quantify the cost of each $100/month spending increase on your FIRE date and required portfolio size.
PF · 139→
Social Security Bridge Calculator
Model portfolio drawdown in early retirement before Social Security benefits begin, including delay credits. Calculate optimal claiming age, break-even point, and drawdown rate across the bridge period.
PF · 140→
Dividend Drag vs. Growth Simulator
Compare total return of dividend reinvestment vs. pure growth portfolios with tax-drag modeling. Factor in qualified vs. ordinary dividend tax rates, yield, and growth rate differences across time horizons.
DLT & Tokenization Integration Hub · 21 Tools Unlocked
DLT & Tokenization Integration Hub
All 21 Cat-11 tools are now live as a unified enterprise DLT onboarding suite: covering CBDC architecture, smart contract validation, DvP reconciliation, chain configuration auditing, settlement finality, privacy topology, node modelling, guardrail building, and stablecoin reserve stress testing. One guide. Every permissioned chain workflow. Corda · Fabric · Besu · Canton · CBDC.
Corda · Fabric · Besu · Canton
CBDC · wCBDC
ERC-3643 · ERC-1400
Zero PII · Client-Side
Open the Hub →
11
DLT & Tokenization
49 toolsT525→
ISCC Content-Code Generator
Compute a conformant ISO 24138 ISCC (International Standard Content Code) for a file in your browser: Instance-Code, Data-Code, Meta-Code, and the composite ISCC-CODE. Pure-JS engine verified byte-identical to the official reference vectors, with an on-load conformance gate. The file never leaves your device.
T524→
TDMRep AI-Training Reservation Builder
Build a W3C TDMRep /.well-known/tdmrep.json plus the HTML meta and HTTP header equivalents to reserve (opt out of) text and data mining and AI training on your content. Optional TDM policy URL and ISCC soft-binding. The machine-readable opt-out the EU AI Act expects GPAI providers to honour.
T520→
Creative Commons License Chooser
Answer two questions (allow commercial use? allow adaptations?) and get the matching Creative Commons license (CC0, CC BY, BY-SA, BY-ND, BY-NC, BY-NC-SA, BY-NC-ND) with SPDX id, canonical deed URL, and attribution requirement. Deterministic; the license step before tokenizing content.
T521→
Can't Be Evil NFT License Picker
Pick one of a16z's six Can't Be Evil NFT licenses from your rights answers (commercial, exclusivity, derivatives, no-hate variant, creator retention). Returns the license id, both on-chain enum names, Solidity enum ordinal, and canonical Arweave URIs. Deterministic rights-matrix lookup, verified against the license texts.
T522→
Story PIL Flavor Selector
Map creator answers to a Story Protocol Programmable IP License flavor (Non-Commercial Social Remixing, Commercial Use, Commercial Remix) and emit the full PILTerms struct with commercial-use, derivatives, revenue-share, and minting-fee fields. Deterministic.
T523→
Tabular Data Round-Trip Differ
Import a CSV, TSV, or JSON table, edit it, and get a canonical cell-wise diff plus the modified file back: a bidirectional round-trip with input and output content hashes. Demonstrates the import binding and write-back diff for OpenChainGraph.
T346→
MiCA EMT/ART Reserve Compliance Calculator
Calculate reserve composition compliance for EMT and ART issuers under MiCA Article 36. Models the mandatory bank deposit floor (30% base, 60% for EBA-significant EMTs), permitted sovereign instrument allocation, and reserve adequacy ratio.
Tool 53→
CBDC Architecture Comparator
Compare CBDC architectural choices across three canonical design axes: distribution model, claim type, and access scope. Map to live jurisdictional implementations. Client-side. Zero PII.
Tool 54→
Smart Contract Parameter Validator
Client-side static analysis for Corda CorDapp and Hyperledger Fabric chaincode. Rule-based validation of settlement finality conditions, obligation logic, endorsement policies, and counterparty clauses. Air-gapped. Zero PII.
Tool 55→
DvP Reconciliation Engine
Three-pass delivery-versus-payment reconciliation for tokenized asset settlement. Match on-chain transfer events against off-chain cash ledger. Flags exceptions: delivered without payment, paid without delivery, timing mismatch, and amount mismatch. Client-side. Zero PII.
Tool 56→
Permissioned Chain Config Auditor
Client-side audit of Hyperledger Fabric configtx.yaml and Besu genesis.json. Checks endorsement policy completeness, MSP cert windows, Raft/QBFT quorum, PDC scoping, and Tessera deprecation status. Air-gapped. Zero PII.
Tool 57→
ISO 20022 ↔ DLT Flow Mapper
Static reference mapping from ISO 20022 message fields (pain.001, pacs.008, pacs.004, camt.053, camt.056) to DLT parameters on Corda, Fabric, and Besu. Highlights interoperability gaps and generates translation stub code. Client-side. Zero PII.
Tool 58→
CBDC Interop Scenario Modeler
Model atomic settlement, PvP, and failure scenarios between mBridge, Digital Euro, Project Dunbar, SAMA/CBUAE, Corda, Canton, and Besu platforms. Template-driven scenario narrative and AP2 audit artifact. Client-side. Zero PII.
Tool 59→
Fabric Ops Console
Enterprise Hyperledger Fabric settlement verifier. Paste peer channel fetch output (block/transaction JSON) to browse blocks, view transaction detail, inspect chaincode invocation history, and decode channel config. Air-gapped. Zero PII.
Tool 63→
Tokenized Asset Compliance Pre-Checker
Static analysis of ERC-3643 (T-REX) and ERC-1400 token contract metadata JSON. Checks identityRegistry, compliance contract, claimTopic list, forced transfer, recovery address, partition restrictions, and jurisdictional compliance matrix (ESMA/SEC/SAMA/MAS). Client-side. Zero PII.
Tool 64→
Chain Privacy Topology Visualizer
Visualize Hyperledger Fabric PDC topology and Canton sub-transaction privacy models. Parse configtx.yaml PDC definitions or Canton party-to-participant mapping to produce a color-coded visibility heatmap. Client-side. Zero PII.
Tool 65→
Cross-Rail Settlement Finality Auditor
Compare operational vs. legal finality timelines across RTGS, real-time, and tokenized payment rails. Counterparty exposure window calculator covering Fedwire, TARGET2, FedNow, RTP, Fnality, mBridge, and more.
Tool 66→
RWA Tokenization Cost Model
5-year TCO model for tokenizing real-world assets vs. traditional settlement. Compare bond, MMF, repo, and trade receivable tokenization costs across Corda, Canton, Fabric, and public EVM. Break-even analysis. Client-side. Zero PII.
Tool 67→
DLT Platform TCO Calculator
3-year total cost of ownership comparison across Hyperledger Fabric, Hyperledger Besu, R3 Corda, and Digital Asset Canton. Infrastructure, developer, and support cost modelling. Client-side. Zero PII.
Tool 68→
Enterprise DLT Platform Comparator
Static reference comparison of Hyperledger Fabric, Hyperledger Besu, R3 Corda, and Digital Asset Canton across 10 enterprise dimensions. Client-side platform narrative generation. Includes Contour failure case study. Last reviewed: May 2026.
Tool 69→
DLT Privacy Model Selector
Decision-tree questionnaire (10 questions) recommending the optimal DLT privacy model: Fabric PDC, Fabric channels, Corda confidential transactions, Canton sub-transaction privacy, or Besu private transaction manager. Client-side. Zero PII.
Tool 70→
Node Role & Trust Boundary Modeler
Interactive SVG node topology for permissioned DLT networks. Configure platform, node count, consensus type, and regions to generate a visual architecture diagram with quorum health check, single-point-of-failure flags, and a board-ready architecture brief.
Tool 71→
DLT Smart Contract Guardrail Builder
Input spend caps, counterparty allowlists, settlement windows, escalation triggers, and N-of-M approval requirements. Outputs AP2 JSON mandate, Solidity stub (Besu), Kotlin CorDapp stub (Corda), and SVG approval workflow DAG. Zero PII.
Tool 72→
Governance, Finality & Operational Readiness Checklist
5-step wizard generating a governance, finality, operational, and regulatory readiness checklist for enterprise DLT deployment. Select jurisdiction, network type, and asset class. Export Markdown report. Client-side. Zero PII.
Tool 73→
Enterprise DLT Decision Lab
Five-stage unified decision shell: Use Case → Platform Comparison → Privacy Architecture → Node Topology → Governance. Generates Nygard ADR rationale and consequences. Board-ready Architecture Decision Record export. Client-side. Zero PII.
Tool 74→
DLT Settlement Verifier
Paste Corda or Canton settlement transaction JSON to decode state machine transitions, verify WebCrypto signatures, map ISO 20022 fields, and verify iso20022Hash (keccak256 vs SHA-256). Pass/fail report with AP2 export. Client-side. Zero PII.
Tool 75→
Stablecoin Reserve & Peg Health Auditor
Client-side stablecoin reserve composition analyzer and peg stress testing engine. Model reserve health for USDT, USDC, DAI, PYUSD, FDUSD, and EURC — or configure custom reserve structures. Stress-test peg stability under devaluation shocks, liquidity crunches, and bank-run redemption scenarios. Calculates collateralization ratios, liquidity coverage, redemption waterfall sequencing, and time-to-peg-recovery. Regulatory compliance mapping across MiCA, US GENIUS Act, SAMA, CBUAE, and MAS. Exports proof-of-reserves audit report, AP2-compatible JSON, and CSV.
Tool 108→
DLT Consensus Partition & Recovery Simulator
Simulate network partitions and Byzantine fault scenarios across Hyperledger Fabric (Raft), Besu (QBFT), R3 Corda, and Canton. Configure your node topology and partition event — the tool generates a platform-specific numbered recovery runbook, transaction re-verification manifest, and governance voting worksheet. Client-side. Zero PII.
T332→
MiCA CASP Authorisation & Capital Readiness Checker
Assess CASP readiness for MiCA authorisation ahead of the July 1 2026 end of national transitional periods. Covers capital floors (EUR50k-150k), asset segregation, AML/Travel Rule, whitepaper, and Feb 2026 EBA PSD2 dual-authorisation opinion.
T336→
GENIUS Act PPSI Licensing & Issuer Classification Mapper
Classify a payment stablecoin issuer under the GENIUS Act (enacted Jul 2025, effective Jan 2027) and map the federal or state licensing pathway. Covers the $10B federal oversight threshold and PPSI qualification requirements.
T337→
GENIUS Act Monthly Reserve Attestation & Disclosure Checklist
Generate a monthly reserve attestation checklist for PPSIs per GENIUS Act §6. Covers 1:1 coverage verification, eligible asset composition (UST ≤93d, Fed deposits), PCAOB examination requirements, and 15-day cure window.
T344→
RWA Tokenized Asset Securities Jurisdiction Mapper
Map a tokenized real-world asset to its regulatory classification across EU, US, and UK. Resolves the jurisdiction question: SEC security, CFTC commodity, MiCA crypto-asset, or GENIUS Act payment stablecoin?
T386→
GENIUS Act Payment Stablecoin Compliance Checker
Tests issuer structure against GENIUS Act §2 payment stablecoin definition; routes to OCC bank trust, state, or federal nonbank licensing path.
T387→
GENIUS Act State vs. Federal Licensing Path Selector
Routes stablecoin issuers to OCC, state-licensed, or federally qualified nonbank path with timeline, capital requirements, and obligations.
T388→
Stablecoin Reserve Stress Test Modeller
Models reserve adequacy under redemption surge and market shock per GENIUS Act §4. Outputs days-to-zero, stressed coverage ratio, §4 compliance flag.
T389→
GENIUS Act Disclosure & Reporting Builder
Generates required reserve reports and public disclosures per GENIUS Act §8. Produces structured disclosure template and §8 compliance checklist.
T390→
MiCA ARF/EMT White Paper Builder
Generates MiCA-compliant white paper structure per Articles 19 (ART) / 51 (EMT) with 22-element completeness scoring and missing sections flagged.
T391→
MiCA Significant Token Threshold Calculator
Tests ART/EMT against MiCA Article 43 significance criteria triggering EBA/ESMA dual oversight. Per-criterion Pass/Fail/Borderline scoring.
T392→
MiCA Market Abuse Surveillance Mapper
Maps MiCA Title VI insider dealing and market manipulation rules to required surveillance systems and STOR obligations per entity type.
T393→
MiCA CASP Cross-Border Passporting Readiness Checker
Assesses readiness for CASPs planning EU-wide passporting under MiCA Article 60. Per-target-state compliance gaps and notification obligations.
T394→
MiCA Periodic Reporting Obligation Tracker
Schedules all MiCA ongoing reporting obligations by entity type and significant status — full annual calendar with deadlines and recipients.
T465→
CARF / DAC8 Reportable User & Transaction Classifier
Classify crypto-asset users and transactions for OECD CARF (2023) and EU DAC8 (Directive 2023/2226) reporting obligations. Covers reportable user determination, reportable transaction types, aggregation thresholds, and CASP due diligence triggers. ⚠ US CARF exchange not effective until 2027. Stage 1 of the crypto-tax reporting composer.
T466→
Crypto Cost Basis & Capital Gain Calculator
Calculate crypto-asset cost basis and realised capital gains using FIFO, LIFO, or HIFO methods. Handles on-chain transactions, DeFi conversions, staking rewards, hard forks, and NFT disposals. Gain/loss schedule by asset and tax year, conforming to IRS Notice 2014-21, Rev. Rul. 2023-14, and OECD CARF. Stage 2 of the crypto-tax reporting composer.
T467→
Form 1099-DA Generator (Digital Asset Proceeds)
Assemble IRS Form 1099-DA fields for digital asset brokers per IRC §6045 as amended by the Infrastructure Investment and Jobs Act (2021). Covers proceeds, cost basis, wash sales, covered/uncovered status, and 1099-DA box mapping. ⚠ Mandatory broker filing effective for FY2025. Stage 3 of the crypto-tax reporting composer.
T468→
CASP Tax Reporting Readiness Scorer
Score a Crypto-Asset Service Provider's readiness to meet CARF, DAC8, and 1099-DA tax reporting obligations. 30-point checklist across data collection, due diligence, reporting systems, staff training, and controls. Gap heatmap with priority remediation actions. Stage 4 (final) of the crypto-tax reporting composer. Exports Tier 1 Policy Mandate.
T526→
ccREL Attribution Generator
Generate Creative Commons attribution notices in three machine-readable formats: TASL (Title, Author, Source, License) plain text, ccREL JSON-LD structured data, and ccREL RDFa HTML snippet. Supports CC0-1.0, CC-BY-4.0, CC-BY-SA-4.0, CC-BY-ND-4.0, CC-BY-NC-4.0, CC-BY-NC-SA-4.0, and CC-BY-NC-ND-4.0. No network calls.
T527→
Royalty-Split Config Validator
Validate on-chain royalty split configurations for ERC-2981 (single-receiver) and 0xSplits-style (multi-recipient) protocols. Checks: sum equals 10000 basis points, per-recipient cap, no duplicate or blank addresses, valid Ethereum address format, valid bps range per entry. Auto-detects bps vs percent mode. Exports an AINumbers Policy Mandate on valid configs.
T528→
NFT Metadata Validator
Validate NFT metadata JSON against the ERC-721/ERC-1155 standard and OpenSea schema. Checks required fields (name, description, image), recommended fields (external_url, animation_url, attributes array structure), and optional license fields. Returns a pass/warn/fail verdict with per-field check results. Paste metadata JSON and validate in one click.
T529→
IPFS CIDv1 Computer
Compute a CIDv1 (Content Identifier, version 1) for any file or text in your browser using WebCrypto SHA-256. Outputs the CID in base32 lowercase multibase encoding plus the full multihash breakdown: function code, digest length, digest hex, and annotated CID bytes. Supports raw (0x55) and dag-pb (0x70) codecs. Verify what tokenURI your file will resolve to on IPFS before minting.
AML/KYC & Financial Crime Compliance Hub · 23 Tools Unlocked
AML/KYC & Financial Crime Compliance Hub
All 22 Cat-12 tools live as a unified compliance onboarding suite for BSA/AML officers, MLROs, financial crime analysts, and fintech compliance engineers. Covers customer risk rating, beneficial ownership mapping, TM rule design, SAR/CTR narrative generation, FATF typology training, VASP Travel Rule, sanctions exposure modelling, and AML programme gap auditing.
FATF · FinCEN · FCA · 6AMLD
MiCA · GENIUS Act · MAS · AUSTRAC
VASP Travel Rule · Wolfsberg
Zero PII · Client-Side
Open the Hub →
12
AML/KYC & Financial Crime
27 toolsTool 109→
CDD/EDD Checklist Generator
Jurisdiction-aware CDD and EDD checklist builder across US BSA/FinCEN, UK FCA/MLR 2017, EU 6AMLD, MAS, and AUSTRAC. Standard / Simplified / Enhanced modes. AP2 export.
Tool 110→
Customer Risk Rating Engine
Score KYC risk across six FATF dimensions with configurable weighting. Maps to FinCEN RBA, EBA Joint Guidelines, FCA FG17/6, MAS. AP2 JSON export.
Tool 111→
KYB Beneficial Ownership Mapper
Build UBO trees up to five layers. Flags 25% threshold entities, shell companies, circular ownership. FinCEN CDD Rule · 6AMLD · UK PSC Register. AP2 SVG + JSON export.
Tool 112→
PEP & Sanctions Exposure Simulator
Simulate name-matching against OFAC SDN, EU Consolidated, UN, HMT, SECO lists. Fuzzy/phonetic matching with false-positive rate modelling.
Tool 113→
Adverse Media & Negative News Profiler
Structured adverse media assessment across 10 crime categories. Wolfsberg AML Principles aligned. EDD report with source credibility scoring. AP2 export.
Tool 114→
KYC Document Verification Checklist
Jurisdiction-specific KYC document checklists for individuals, corporates, trusts. FinCEN CIP Rule · FCA MLR 2017 · 6AMLD accept/reject criteria.
Tool 115→
Correspondent Banking Due Diligence Matrix
CBDD assessment aligned to Wolfsberg Correspondent Banking Principles 2023. Risk-scored output with Wolfsberg Questionnaire gap analysis. AP2 export.
Tool 116→
Transaction Monitoring Rule Builder
Flagship enterprise TM engine. Generate structured TM rule pseudocode with TPR/FPR/F1 metrics for velocity, structuring, typology, and cross-border monitoring. AP2 export.
Tool 117→
Structuring Pattern Detector
Detect smurfing, threshold avoidance, temporal clustering in synthetic transaction sequences. FATF ML typology mapping with investigative priority output.
Tool 118→
Cross-Border Wire Transfer Analyzer
Flag high-risk jurisdiction routing, shell entity indicators, PEP-adjacent beneficiaries. FinCEN Wire Transfer Rule · FATF R.16.
Tool 119→
CTR/SAR Threshold Simulator
Simulate BSA CTR and SAR filing decision logic. Filing deadline calculation, Phase I/II CTR exemption eligibility, and AP2 JSON filing policy mandate.
Tool 120→
FATF ML/TF Typology Library & Layering Identifier
40+ FATF typologies with red flag indicators and TM rule configurations. Layering Identifier mode maps transaction sequences to placement/layering/integration stages.
Tool 121→
SAR Narrative Generator
The sole SAR narrative output in the catalog. Generates jurisdiction-specific narratives for US FinCEN SAR, UK NCA, AU AUSTRAC SMR, EU FIU STR. AP2 filing record export.
Tool 122→
Regulatory Reporting Calendar
AML/financial crime regulatory reporting deadlines by jurisdiction and report type. Export compliance calendar with filing triggers and deadline logic.
Tool 123→
AML Programme Gap Auditor
Internal AML programme maturity assessment across FATF 40 Recommendations. Distinct from Tool 88 (product launch compliance). AP2 gap register export.
Tool 124→
FATF Readiness Scorer
Score institutional FATF Immediate Outcome readiness across all 11 IO dimensions. Outputs composite score and remediation priority table.
Tool 125→
Sanctions Programme Builder
Design sanctions screening programme: list coverage, match threshold policy, escalation workflow, and designated persons handling. AP2 JSON policy export.
Tool 126→
VASP Travel Rule Checker
Check Travel Rule compliance for VASP-to-VASP transfers. Covers FATF R.16, EU TFR, FinCEN CVC rules, GENIUS Act, and MiCA. Threshold and field-level validation.
Tool 127→
Crypto Transaction Risk Profiler
Profile on-chain transaction risk: mixer/tumbler indicators, high-risk VASP counterparty exposure, unhosted wallet flags, and cross-chain bridge activity.
Tool 128→
Stablecoin VASP AML Mapper
Map AML obligations for stablecoin issuers and VASPs under MiCA, GENIUS Act, FinCEN, and FATF revised Recommendation 15.
Tool 129→
DeFi/NFT Risk Assessment
Assess AML risk exposure for DeFi protocol interactions and NFT marketplace activity. FATF updated R.15 guidance and grey/black list overlay.
Tool 130→
AML Scenario Training Lab
Interactive training simulations for FATF typology recognition, red flag identification, and SAR/CTR decision-making. Built for BSA officer certification prep.
Tool 131→
AP2 AML Mandate Builder
Anchor agentic tool for Cat-12. Translate AML programme controls into a validated AP2 JSON mandate for MCP runtime ingestion. Human-readable policy summary included.
T517→
Fuzzy-Match Calibration Scorer
FPR/recall/F1 scoring and threshold calibration for sanctions fuzzy-match engines. Levenshtein, Jaro-Winkler, and Phonetic algorithms. Wolfsberg-aligned. Synthetic name pairs only — zero PII.
T519→
APP Fraud Graph Simulator
Monte Carlo BFS simulation of APP (Authorised Push Payment) fraud propagation across payment networks. PSR reimbursement cap modelling. Retail, corporate-sweep, and mule-dense topologies. Synthetic networks only — zero PII.
B2B Payments & Platform Operations Hub · 16 Tools Unlocked
B2B Payments & Platform Operations Hub
All 16 Cat-13 tools live as a unified B2B payments operations suite for payments engineers, finance leads, ERP architects, and marketplace operators. Covers invoice-to-payment orchestration, virtual card economics, AP automation savings, supplier payment terms optimisation, supply chain finance, ISO 20022 remittance validation, DAC7/1099-K withholding, and platform payout design.
ACH · RTP · FedNow · SEPA · FPS · SPEI
ISO 20022 · DAC7 · 1099-K · FATCA
Zero PII · Client-Side
Open the Hub →
13
B2B Payments & Platform Operations
20 toolsTool 132→
Invoice-to-Payment Orchestrator
Map full invoice-to-payment lifecycle with ISO 20022 message assignment, three-way match simulation, and exception routing. AP2 JSON payment instruction export.
Tool 133→
Virtual Card Program Cost Modeller
Model virtual card programme economics end-to-end: interchange, rebate waterfall, BIN fees, network dues, and net margin. NPV/IRR projection vs. ACH and wire.
Tool 134→
AP Automation Savings Calculator
Quantify labour cost savings from automating invoice processing and approval. ROI summary, payback period, FTE savings, DPO impact, and board-ready savings memo.
Tool 135→
Supplier Payment Terms Optimiser
Model NPV of early payment discount vs. cost of capital across supplier tiers. Greedy-selection algorithm for optimal DPO. Markdown supplier payment policy memo export.
Tool 136→
Embedded Payments Margin Simulator
Model margin waterfall for embedded payment: interchange, scheme fees, BaaS fee, fraud loss, reserve, and net contribution margin. Take-rate waterfall and break-even volume.
Tool 139→
ERP Payment Integration Readiness Scorer
Score ERP system readiness for ISO 20022 payment integration. Field mapping gap analysis and Markdown integration project plan across MT/MX migration paths.
Tool 140→
B2B Payment Fraud Detection Heuristics Builder
Configure detection heuristics for BEC, invoice manipulation, supplier impersonation, and change-of-bank-details fraud. Rule pseudocode and operational control output.
Tool 141→
Cross-Border B2B Fee Transparency Calculator
Deconstruct total landed cost per B2B invoice: FX spread, correspondent fees, VAT/GST treatment, Incoterms obligations, and ERP remittance reconciliation cost.
Tool 144→
ISO 20022 Remittance Data Enrichment Validator
Validate structured remittance in pain.001 and camt.054. ISO 11649 SCR format, RmtInf/Strd population, ERP auto-match eligibility, and STP readiness report.
Tool 145→
Supply Chain Finance Modeller
Model SCF programme economics: reverse factoring, dynamic discounting, and inventory finance. Cost-benefit waterfall, DPO extension, and programme design memo.
Tool 146→
Virtual Account Structure Simulator
Design notional pooling and virtual account structures. Interest netting, balance concentration, multi-currency overlay, and reconciliation event count projection.
Tool 147→
Payout Rail Cost & Finality Modeller
Compare cost, speed, and finality across ACH, RTP, FedNow, SEPA CT/Instant, FPS, SPEI, wire, and virtual card. AP2 JSON routing policy export.
Tool 148→
DAC7 / 1099-K Withholding Threshold Simulator
Model EU DAC7 and US IRS 1099-K reporting triggers. IRS 24% backup withholding, DAC7 €2,000/30-transaction thresholds, FATCA Form 8966 flags. AP2 tax policy export.
Tool 149→
Seller Onboarding Jurisdiction Classifier
Determine W-8/W-9 requirement by seller country and entity type. FATCA/CRS classification, VAT treatment for marketplace services. AP2 JSON seller profile export.
Tool 150→
Platform Money Transmission Licensing Risk Mapper
Assess US state MTL requirements by business model and transaction type. Agent-of-payee exemptions, MSB registration overlap, and AP2 compliance mandate export.
Tool 151→
Split Payment Escrow Timing Simulator
Model escrow release triggers, marketplace settlement timing, and reserve waterfall. Payout architecture diagram, settlement timeline SVG, and AP2 JSON payout manifest.
T338→
GENIUS Act AML & Sanctions Program Scope Builder
AML/BSA programme scope for PPSIs under GENIUS Act §10. BSA registration, CIP/CDD, TM rules, OFAC screening, Travel Rule ($3k threshold), and SAR filing matrix.
T350→
AMLA 2027 AML Readiness Gap Analyzer
Gap analysis for AMLR (EU 2024/1624) effective July 2027. Covers CDD harmonisation, UBO threshold change (25%→15%), new obliged entities (crypto, crowdfunding), and readiness against 26 Level 2 measures.
T137→
Payment Orchestration Vendor Scorecard
Score and compare payment orchestration layer vendors across 10 capability dimensions with a configurable weighting matrix. Rail coverage, failover, 3DS/SCA, reconciliation API, smart routing, compliance certifications. Outputs ranked decision matrix and evaluation memo.
T138→
Marketplace Fee Waterfall Designer
Model multi-party fee economics for marketplace platforms: gross transaction value → PSP discount → acquirer margin → scheme fee → platform take rate → seller net proceeds → final payout. Per-transaction P&L waterfall with sensitivity table.
T142→
B2B Payment Terms & Working Capital Impact Calculator
Two-sided model: buyer extends DPO, seller DSO rises. Calculates bilateral cash conversion cycle delta, early payment discount breakeven vs WACC, and supply chain finance cost-benefit across term lengths. Industry DPO/DSO benchmarks included.
T143→
Commercial Card Spend & Rebate Optimizer
For corporate treasury: model total spend by MCC category and card type (purchasing, T&E, virtual), compute interchange pool, rebate earned at each volume tier, and optimisation recommendation for migrating supplier spend to virtual cards.
Embedded Finance & BaaS Infrastructure Hub · 13 Tools Unlocked
Embedded Finance & BaaS Infrastructure Hub
All 13 Cat-14 tools live as a unified BaaS infrastructure suite for fintech engineers, programme managers, and embedded finance architects. Covers FBO account structures, ledger design, BIN sponsorship economics, wallet float yield, settlement orchestration, Reg E/UDAAP controls, marketplace payout design, embedded lending unit economics, and sponsor bank readiness scoring.
FBO · BIN · Reg E · UDAAP
Visa · Mastercard · FDIC Pass-Through
Zero PII · Client-Side
Open the Hub →
14
Embedded Finance & BaaS Infrastructure
15 toolsTool 152→
BaaS Provider Comparator
Score and compare BaaS providers against embedded capability matrix. User-adjustable reference data with Last Reviewed datestamp. Weighted comparison matrix and evaluation memo.
Tool 153→
FBO Account Structure Simulator
Simulate omnibus vs. subledger FBO architectures with FDIC pass-through eligibility, reserve logic, reconciliation burden, and operational risk scoring.
Tool 154→
Ledger Architecture Builder
Interactive double-entry ledger designer: monolithic, event-sourced CQRS, or multi-ledger bridge. Configure holds, reversals, chargebacks, and reconciliation frequency.
Tool 155→
BIN Sponsorship Economics Simulator
BIN sponsorship margin waterfall: interchange → rebate → BIN rental → network dues → fraud loss → reserve → net margin. Break-even volume and 5-year NPV.
Tool 156→
Wallet Float Yield Estimator
Calculate float revenue on stored value balances. Fed Funds rate slider, FDIC pass-through benefit, reserve drag, dormancy rate, and treasury management fee.
Tool 157→
Settlement Orchestration Simulator
Model T+0, T+1, and intraday settlement windows. Prefunding cost model, failure path analysis, liquidity buffer sizing, and settlement design memo.
Tool 158→
Fintech Compliance Control Mapper
BaaS-specific compliance controls: Reg E, UDAAP, card network programme rules, sponsor bank oversight. Maturity heatmap and AP2 JSON control register.
Tool 159→
Marketplace Payout Flow Designer
Full end-to-end payout architecture: split logic, seller risk tiers, rail selection, reserve policy, refund priority waterfall. AP2 JSON payout manifest export.
Tool 160→
Embedded Lending Unit Economics Tool
B2B/commercial lending economics: NIM, expected loss rate, RAROC, break-even default rate. Origination cost, APR, default curve, and cost of capital inputs.
Tool 161→
Programme Agreement Economics Model
BaaS programme agreement P&L waterfall: revenue share splits, volume commitments, ramp schedules, penalty clauses. Annual P&L by year and break-even month.
Tool 162→
Sponsor Bank Readiness Scorer
Score fintech programme readiness for sponsor bank partnership. Risk posture score, operational complexity, recommended control layers, and AP2 JSON programme register.
Tool 163→
Card Programme Launch Readiness Checker
Visa and Mastercard card programme launch checklist: BIN sponsorship, CARMS/CPS enrolment, KYC/KYB, Reg E, network rules, 3DS fraud monitoring, and Visa CE 3.0/MC ADC dispute compliance.
Tool 164→
AP2 BaaS Infrastructure Mandate Builder
Anchor agentic tool for Cat-14. Translate BaaS programme controls into a validated AP2 JSON mandate with human-readable policy summary and MCP agent instruction set.
T168→
BaaS Provider Comparison
Side-by-side comparison of leading BaaS providers across FDIC coverage, card issuance, ACH/RTP rails, KYC/AML tooling, compliance support, developer experience, and pricing model. Filter by capability. Client-side. Zero PII.
T377→
Open Finance Data Product Revenue Modeler
Model the commercial case for financial institutions offering premium data products under FIDA and UK open finance. Estimate API pricing economics, TPP revenue, 3-year P&L, break-even TPP count, and sensitivity at different adoption rates.
E-Invoicing, VAT & ViDA Compliance Hub · 9 Tools Unlocked
E-Invoicing, VAT & ViDA Compliance Hub
Nine browser-based tools covering the full EU e-invoicing and VAT compliance lifecycle: from Peppol access point simulation and VAT rate lookup through ViDA Digital Reporting Requirements scoring, ISO 20022 invoice bridging, archiving obligation mapping, cross-border VAT recovery, and Digital Services Tax exposure. France, Belgium, Poland KSeF, Italy SdI, and global DST rules. Client-side. Zero PII.
ViDA · Peppol · KSeF · SdI
ISO 20022 · pain.001
AP2 JSON Export
Zero PII · Client-Side
Open the Hub →
15
E-Invoicing, VAT & ViDA
11 toolsT175→
Cross-Border VAT Treaty Lookup Engine
Look up VAT treaty status and withholding obligations across 50+ country pairs. Covers EU VAT Directive, UK–EU TCA, USMCA, and bilateral treaties. Outputs treaty summary, applicable rates, reverse-charge rules, and AP2 JSON tax mandate. Client-side. Zero PII.
T176→
Peppol Access Point & Corner-5 Simulator
Simulate Peppol 4-corner and emerging Corner-5 continuous transaction control flows. Configure sender, receiver, and service metadata publisher roles. Validates BIS 3.0 UBL invoice structure and generates SMP lookup traces. Client-side. Zero PII.
T177→
VAT Rate & Regime Lookup Engine
Look up standard, reduced, and zero VAT rates across 60+ jurisdictions with product/service category filters. Covers EU 27, UK, GCC, and APAC regimes. Includes reverse-charge applicability, OSS/IOSS thresholds, and fiscal representative requirements.
T178→
Invoice-to-ISO 20022 Bridge (pain.001 Generator)
Map structured e-invoice fields (UBL 2.1, CII) to ISO 20022 pain.001 payment initiation messages. Validates mandatory field coverage, generates the XML payload, and flags truncation risks for CBPR+ transit. Client-side. Zero PII.
T179→
ViDA Digital Reporting Requirements (DRR) Scorer
Score your organisation's readiness for ViDA Digital Reporting Requirements across five pillars: transaction data scope, near-real-time reporting cadence, structured format compliance, cross-border DRR obligations, and API connectivity. Outputs gap analysis and AP2 JSON compliance mandate.
T180→
B2B E-Invoice Compliance Readiness Scorer
Score your B2B e-invoicing readiness across Italy SdI, French PPF/Chorus Pro, Belgian Peppol mandate, Polish KSeF, and German EN 16931 requirements. Configurable by company size and sector. Outputs jurisdiction-specific gap report and implementation roadmap.
T181→
E-Invoice Archiving & Retention Obligation Mapper
Map e-invoice archiving and retention obligations by jurisdiction — covering storage duration, format integrity requirements, qualified electronic signatures, and audit trail obligations. Outputs a jurisdiction matrix and AP2-compatible archiving policy mandate.
T182→
Cross-Border VAT Recovery Eligibility Checker
Determine VAT recovery eligibility for cross-border business expenses under EU Directive 2008/9/EC, UK HMRC Notice 723A, and bilateral refund agreements. Covers deadline mapping, minimum claim thresholds, and eligible expense categories by jurisdiction.
T183→
Digital Services Tax Exposure Calculator
Calculate Digital Services Tax exposure across UK (2% DST), France (3% GAFA), Italy (3% DST), Spain, Austria, and India equalisation levy. Configurable revenue thresholds, in-scope service categories, and de minimis exemptions. Outputs jurisdiction-by-jurisdiction DST liability estimate.
T174→
Peppol BIS 3.0 / KSeF XML Auditor
In-browser XML validator for Peppol BIS Billing 3.0 (EN 16931) and KSeF FA(3). Checks structural and calculation business rules with country overlays for France, Poland, Belgium, Germany and Australia. Client-side. Zero PII.
T345→
ViDA Deemed Supplier VAT Scope & Liability Classifier
Classify whether your online platform falls within ViDA deemed supplier provisions (Art.9a accommodation, Art.9b transport, effective 1 July 2028). Determines VAT liability, OSS registration, B2B exemption scope, and per-country EU exposure.
Consumer Credit & BNPL Compliance Hub · 8 Tools Unlocked
Consumer Credit & BNPL Compliance Hub
Eight browser-based tools covering the full BNPL and consumer credit compliance lifecycle: FCA DPC readiness (live 15 Jul 2026), merchant integration compliance, late fee and penalty rules, affordability assessment modelling, disclosure template generation, arrears and collections obligations, APR calculation (EU CCD2 & US TILA), and B2B underwriting sandbox. Client-side. Zero PII.
FCA DPC · EU CCD2 · CFPB Reg Z
FDCPA · TILA · CONC
AP2 JSON Export
Zero PII · Client-Side
Open the Hub →
16
Consumer Credit & BNPL
8 toolsT187→
FCA BNPL / DPC Readiness Checker
Score your BNPL product's readiness for the FCA Deferred Payment Credit regime (live 15 Jul 2026). Covers CONC affordability obligations, PCCI disclosure requirements, FCA authorisation status, and DISP complaints handling. Outputs gap report and AP2 compliance mandate.
T188→
Merchant BNPL Integration Compliance Mapper
Map merchant-side BNPL integration obligations across UK FCA, EU CCD2, and US state BIPA requirements. Covers co-branding disclosure rules, liability allocation, data sharing restrictions, and TPP onboarding compliance for merchant payment pages.
T189→
Late Fee & Penalty Compliance Calculator
Calculate maximum permissible late fees and penalty charges under UK CONC 7, EU CCD2 Art. 32, CFPB late fee safe harbour rules, and state-level caps. Configurable loan amount, term, and jurisdiction. Flags non-compliant fee structures with remediation guidance.
T190→
BNPL Affordability Assessment Modeller
Model BNPL affordability assessments under FCA CONC 5, EU CCD2 creditworthiness requirements, and CFPB ability-to-repay standards. Configure income, existing commitments, stress scenarios, and threshold parameters. Outputs assessment decision logic and AP2 JSON underwriting mandate.
T191→
BNPL Disclosure Template Generator
Generate PCCI (Pre-Contract Credit Information) disclosure templates compliant with EU CCD2, UK FCA CONC, and US TILA Reg Z. Configure product terms, APR, fee schedule, and right-of-withdrawal details. Outputs jurisdiction-specific disclosure document and AP2 disclosure mandate.
T192→
Arrears & Collections Regulatory Compliance Checker
Audit your arrears management and collections processes against FCA CONC 7, EU CCD2 Art. 39, FDCPA, and FTC debt collection rules. Covers contact frequency limits, forbidden practices, forbearance obligations, and vulnerable customer treatment. Outputs compliance gap report.
T193→
BNPL APR Calculator (EU CCD2 & US TILA)
Calculate Annual Percentage Rate for BNPL products under EU CCD2 Annex I actuarial method and US TILA Reg Z APR rules. Handles instalment schedules, deferred payment periods, origination fees, and late charge inclusion. Side-by-side EU vs US APR comparison output.
T194→
B2B BNPL Underwriting Sandbox
Model B2B deferred payment underwriting decisions within CCA s.16B, CCD2 Art. 2(2), and Reg Z § 1026.3(a) business-purpose exemptions. Configure trade credit limits, payment terms, sector risk weights, and financial covenant triggers. Outputs underwriting decision and AP2 JSON credit mandate.
Counterparty Credit Risk & Due Diligence Hub · 8 Tools Unlocked
Counterparty Credit Risk & Due Diligence Hub
Eight deterministic, browser-based tools covering the full counterparty credit lifecycle: from internal rating and PD/LGD/EAD modelling through SA-CCR CVA, Basel III/IV RWA computation, financial covenant monitoring, credit stress testing, RAROC loan pricing, and IFRS 9 migration matrix generation. IFRS 9 and CECL aligned. Client-side. Zero PII.
Basel III/IV · SA-CCR · CRR3
IFRS 9 · CECL · RAROC
AP2 JSON Export
Zero PII · Client-Side
Open the Hub →
17
Counterparty Credit Risk
11 toolsT197→
Credit Risk Rating Calculator
Build internal credit risk ratings using configurable scorecard frameworks aligned to Basel IRB and IFRS 9 criteria. Score counterparties across financial performance, leverage, liquidity, sector risk, and qualitative factors. Outputs rating grade, PD estimate, and AP2 JSON credit assessment.
T198→
PD / LGD / EAD Modeller
Model Probability of Default, Loss Given Default, and Exposure at Default for individual credit facilities. Supports through-the-cycle and point-in-time PD calibration, LGD floors by collateral type, and EAD CCF application. Outputs ECL components for IFRS 9 Stage classification and AP2 JSON.
T199→
Financial Covenant Compliance Checker
Monitor financial covenant compliance across leverage, interest cover, debt service cover, and tangible net worth ratios. Configure covenant thresholds, cure periods, and cross-default triggers. Inputs financial statement data and outputs covenant test results, headroom analysis, and breach alert report.
T200→
CVA Calculator (SA-CCR)
Calculate Credit Valuation Adjustment using the Basel III SA-CCR standardised approach. Handles interest rate, FX, equity, commodity, and credit derivative asset classes. Outputs replacement cost, potential future exposure, EAD, CVA charge, and AP2 JSON derivatives credit risk record.
T201→
Basel III/IV RWA Credit Risk Calculator
Calculate Risk-Weighted Assets under the Basel III/CRR3 Standardised Approach. Full CRR3/Basel IV risk weight table across all exposure classes — sovereign, bank, corporate, retail, residential and commercial real estate, and equity. Outputs RWA, 8% capital requirement, and AP2 JSON capital assessment.
T202→
Credit Stress Testing Workbench
Stress test credit portfolio metrics under adverse macroeconomic scenarios. Configure GDP shock, unemployment rise, rate movement, and sector-specific overlays. Outputs stressed PD/LGD curves, ECL migration across IFRS 9 stages, capital impact estimate, and AP2 JSON stress scenario record.
T203→
RAROC Loan Pricing Model
Model risk-adjusted return on capital for loan facilities. Inputs: loan amount, margin, fees, cost of funds, expected loss (from T198), capital allocation (from T201), operating cost. Outputs RAROC, economic profit/loss, hurdle rate comparison, minimum margin for target RAROC, and AP2 JSON loan pricing record.
T204→
IFRS 9 Credit Migration Matrix Generator
Generate cohort transition matrices across credit rating bands using embedded benchmark matrices by asset class or synthetic cohort data. Calculate Stage 1→2→3 migration probabilities, lifetime PD curves, and macro overlay. Outputs transition matrix, ECL stage allocation, IFRS 9 disclosure memo, and AP2 JSON ECL model parameters.
T357→
CRR3 Output Floor Phase-In Capital Impact Calculator
Model the CRR3 output floor phase-in (50%→72.5%, 2025–2030) on EU bank capital. Enter internal model RWA and standardised RWA to see year-by-year floored TREA, additional CET1 requirements, pro-forma ratios, and annual funding cost drag.
T352→
CRD6 Prudential Transition Plan Builder
Build the prudential transition plan mandated by CRD6 Article 76a (effective January 11, 2026). Integrates ESG and climate transition risks into governance, strategy, and risk management. Generates 7-section plan outline with EBA compliance check against EBA/GL/2024/09.
T196→
IFRS 9 Forward-Looking Macro Overlay Calculator
Compute ECL management overlay amounts by applying base, adverse, and upside macroeconomic scenarios to portfolio staging distributions. Outputs overlay by stage and probability-weighted blended overlay with management adjustment rationale template.
Cross-Border FX & Payments Intelligence Hub · 15 Tools
Cross-Border FX & Payments Intelligence Hub
Fifteen browser-based tools covering the full cross-border FX and payments lifecycle: from FX margin deconstruction and hedging instrument comparison through corridor cost ranking, pacs.008 payload generation, IBOR transition, settlement risk, EM FX classification, FATF Travel Rule compliance, ISO 20022 on-chain correspondence receipts, and BIS G20 target benchmarking. ISO 20022 CBPR+ · SWIFT gpi · SEPA Instant · FedNow · PIX · CLS · PvP. Client-side. Zero PII.
ISO 20022 · CBPR+ · SWIFT gpi
FATF R.16 · BIS CPMI · G20
AP2 JSON Export
Zero PII · Client-Side
Open the Hub →
18
Cross-Border FX & Payments
14 toolsT209→
FX Margin & Cost Transparency Calculator
Deconstruct any provider's quoted rate into mid-market spread and implied margin in bps. Compare up to 3 providers, benchmark against corridor percentiles. AP2 JSON FX policy export. Client-side. Zero PII.
T210→
Cross-Border Payment Failure Probability Model
Model failure probability across four factors: originator bank tier, correspondent chain length, beneficiary jurisdiction risk, and payment purpose code. Ranked mitigation recommendations. Client-side. Zero PII.
T211→
FX Hedging Instrument Comparison
Compare deliverable forward, NDF, vanilla option, participating forward, and zero-cost collar. Payoff diagrams, option Greeks (Garman-Kohlhagen), hedge effectiveness, and AP2 JSON hedging policy. Client-side. Zero PII.
T212→
SWIFT gpi / SEPA Instant / FedNow / PIX Rail Comparator
Compare 10 international and domestic real-time payment rails by cost, speed, finality, and G20/FSB target compliance. Outputs cost-speed-finality matrix, recommended rail, and AP2 JSON routing policy. Client-side. Zero PII.
T213→
Currency Risk Exposure Heatmap
Model subsidiary-level FX exposure across a multi-entity corporate structure. Identify natural hedges, calculate net exposure per entity and currency. Exposure matrix with Markdown memo. Client-side. Zero PII.
T214→
IBOR Transition Reference Checker
Calculate the RFR equivalent for any IBOR rate using ISDA 2020 fallback spread adjustments. Covers SOFR, €STR, SONIA, TONA, SARON. Replacement rate, spread in bps, and fallback language reference. Client-side. Zero PII.
T215→
FX Settlement Fails Risk Assessor
Assess FX settlement risk: CLS vs. non-CLS exposure, principal risk, replacement cost (97.5th percentile), Herstatt risk window. Reference: BIS PvP guidance (November 2022). Client-side. Zero PII.
T216→
Cross-Border B2B Corridor Cost Ranker
Rank cross-border B2B corridors by total all-in cost: FX margin + correspondent fee + SWIFT + lifting/beneficiary charges. Compare bank wire vs. fintech aggregator vs. stablecoin. G20/FSB 1% target flag. AP2 JSON export. Client-side. Zero PII.
T217→
Emerging Market FX Risk Classifier
Classify 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.
T218→
Payment-vs-Payment Settlement Sync Model
Model PvP mechanics: CLS vs. bilateral PvP vs. sequential settlement. Settlement risk exposure, timing mismatch, netting efficiency. BIS PvP guidance alignment and Markdown PvP design memo. Client-side. Zero PII.
T219→
pacs.008 Cross-Border Payload Generator & UETR Simulator
Generate a fully compliant ISO 20022 pacs.008.001.12 with RFC 4122 UUID v4 UETR, SR2026 schema validation, CBPR+ requirements, and MT103 field mapping. Downloadable XML and AP2 JSON payment instruction stub. Client-side. Zero PII.
T220→
Correspondent Banking De-Risking Impact Modeler
Model the operational and cost impact of correspondent banking de-risking. Simulate loss of 1, 2, or all correspondent relationships. Hop count increase, incremental cost, volume at risk, corridor vulnerability score. Client-side. Zero PII.
T221→
Cross-Border D+0 Finality & G20 Target Comparator
Compare settlement finality across 11 cross-border rails. G20/FSB 2027 target alignment (cost <1%, speed <1hr for 75% of payments). Finality comparison table, G20 scorecard, and AP2 JSON rail policy. Client-side. Zero PII.
T222→
FATF Travel Rule Cross-Border Threshold Checker
Determine Travel Rule data obligations across US FinCEN, EU TFR 2023/1113, UK MLR 2017, SG MAS PSN02, AU AUSTRAC, UAE CBUAE, CH FINMA, FATF R.16. Compliance checklist, field matrix, and AP2 JSON Travel Rule payload stub. Client-side. Zero PII.
T563→
ISO 20022 On-Chain Correspondence Receipt
Compose a receipt recording the asserted correspondence between an ISO 20022 message (pacs.008 / pain.001 / camt.053 / camt.054) and its on-chain settlement leg, with an optional SWIFT gpi / Fedwire / CHIPS reference attachment. Asserted by mapping, not proven. Client-side. Zero PII.
Payment Scheme & Network Compliance Hub · 8 Tools
Payment Scheme & Network Compliance Hub
Eight browser-based tools covering the compliance and optimisation layer between merchants, acquirers, issuers, and payment networks: NACHA ACH operating rules, PCI DSS v4.0 scope assessment, Visa/Mastercard interchange qualification, 3DS 2.x EMV SCA compliance, card dispute reason code reference, RTP network participation eligibility, network rule change impact modelling, and card scheme fee benchmarking. Client-side. Zero PII.
PCI DSS v4.0 · NACHA · 3DS 2.x
Visa/MC Interchange · Scheme Fees
AP2 JSON Export
Zero PII · Client-Side
Open the Hub →
19
Payment Scheme & Network
8 toolsT224→
NACHA ACH Rule Compliance Checker
Check ACH programme against NACHA Operating Rules §2–§9. March 2026 Fraud Monitoring rules embedded. Return code reference, compliance status per section, Markdown memo, and AP2 JSON compliance mandate. Client-side. Zero PII.
T225→
Visa/MC Interchange Qualification Tester
Simulate interchange category qualification for Visa CPS/Qualified/Standard and MC Merit I/III/Enhanced Best. Optimisation recommendations and AP2 JSON interchange policy. Client-side. Zero PII.
T226→
PCI DSS v4.0 Scope Assessment Wizard
Step-by-step PCI DSS v4.0 scope assessment. SAQ determination (A/A-EP/B/B-IP/C/D), CDE boundary, customised approach, targeted risk analysis. Markdown compliance roadmap and AP2 JSON mandate. Client-side. Zero PII.
T227→
Card Dispute & Reason Code Mapper
Instant reference for Visa VDR, Mastercard MDR, and Amex CMG dispute reason codes. Required documentation, deadlines, and arbitration rules. Companion to Tool 41 Representment Builder. Client-side. Zero PII.
T228→
3DS 2.x / EMV 3D Secure Compliance Checker
Assess 3DS 2.x implementation: frictionless vs. challenge flow, SCA exemptions (TRA, low-value, trusted beneficiary, recurring), liability shift (ECI codes), and PSD3/SCA jurisdiction compliance. AP2 JSON authentication policy. Client-side. Zero PII.
T229→
RTP Network Participation Checker
Check eligibility for FedNow, RTP/TCH, PIX, UPI, PayTo/NPP, Faster Payments, and SEPA Instant. Per-network onboarding checklists, technical requirements, and AP2 JSON participation mandate. Client-side. Zero PII.
T230→
Network Rule Change Impact Assessor
Model the impact of 2025–2026 Visa, Mastercard, and NACHA rule changes on your portfolio. 7 embedded rule changes, interchange impact, compliance actions, timeline, and AP2 JSON impact assessment. Client-side. Zero PII.
T233→
Card Scheme Fee Benchmarking Tool
Benchmark Visa and Mastercard scheme fees by card type across US, EU, UK, and APAC. Fee-per-transaction breakdown, Visa/MC comparison, optimisation opportunities, and AP2 JSON fee policy. Client-side. Zero PII.
SME Financial Health & Lending Readiness Hub · 9 Tools
SME Financial Health & Lending Readiness Hub
Nine browser-based tools covering the full SME financial health lifecycle: from credit risk scoring and working capital gap analysis through invoice finance eligibility, open finance credit signal mapping, revenue-based finance modelling, government grant eligibility, cash flow stress testing, and covenant monitoring. CFPB 1033 · PSD3 · UK Growth Guarantee. Client-side. Zero PII.
CCC · DSCR · Credit Scoring
Invoice Finance · RBF
CFPB 1033 · PSD3
Zero PII · Client-Side
Open the Hub →
20
SME Financial Health
9 toolsT239→
SME Credit Risk Scoring Engine
6-dimension credit scoring: revenue, business age, DSCR, payment behaviour, sector risk, and adverse events. Composite score (0–100), S&P-equivalent rating tier, dimension scorecard, lending instrument recommendations, and AP2 JSON SME credit profile. Client-side. Zero PII.
T240→
Working Capital Gap Calculator
AR days + inventory days − AP days → Cash Conversion Cycle and working capital funding gap. Plain-language financing instrument recommendations and AP2 JSON funding profile. Cross-links to Tool 89. Client-side. Zero PII.
T241→
Business Loan Readiness Checker
Score SME readiness against bank and fintech lender criteria: trading history, revenue, DSCR, credit history, asset coverage. Readiness score, gap analysis per criterion, and recommended loan type by lender category. Client-side. Zero PII.
T242→
Invoice Finance Eligibility Assessor
Assess SME eligibility for invoice discounting, factoring, and selective invoice finance. Debtor concentration, invoice value, payment terms, creditworthiness. Maximum funding estimate, fee cost model, and Markdown eligibility report. Client-side. Zero PII.
T243→
Open Finance Credit Signal Mapper
Model how CFPB 1033 / PSD3 open banking data could improve SME underwriting. Modelling and illustration only — no real account data processed. Credit signal quality assessment and AP2 JSON open-data credit policy. Client-side. Zero PII.
T244→
Revenue-Based Finance Calculator
Model RBF product economics: advance amount, revenue share, monthly revenue, cap rate. Repayment timeline, total cost of capital, effective APR equivalent, payback by revenue scenario, and AP2 JSON financing terms. Client-side. Zero PII.
T245→
Government Funding & Grant Eligibility Mapper
Map SME eligibility for US SBIR/STTR, UK Innovate UK, EU Horizon, and UK Growth Guarantee Scheme. Eligibility criteria, funding ranges, and application complexity rating by jurisdiction and business type. Client-side. Zero PII.
T246→
Cash Flow Stress Test for SMEs
13-week rolling cash flow stress test. Apply shocks: revenue drop (−20%/−40%), payment delay (+15/+30 days), unexpected capex. Cash runway estimate, weeks-to-zero-cash per scenario, and Markdown memo. Client-side. Zero PII.
T247→
Lending Covenant & Facility Monitoring Dashboard
Monitor SME facility covenants: DSCR, leverage ratio, minimum cash balance, current ratio. Compliance status, headroom percentage, breach trigger alerts, and Markdown monitoring memo. Client-side. Zero PII.
Real-Time Payments Operations & Compliance Hub · 11 Tools
Real-Time Payments Operations & Compliance Hub
Eight browser-based tools covering the full real-time payments operations and compliance lifecycle: FedNow participation readiness, ISO 20022 cross-rail compatibility, RTP fraud velocity rule building, PSR APP fraud reimbursement workflows, intraday credit facility sizing, AP2 agentic policy, and companion tools for FedNow lookup and APP fraud liability. FedNow · RTP/TCH · SEPA Instant · BCBS 248 · UK PSR PS24/3. Client-side. Zero PII.
FedNow · RTP/TCH · SEPA Instant
BCBS 248 · UK PSR PS24/3
AP2 Agentic Policy
Zero PII · Client-Side
Open the Hub →
21
Real-Time Payments Operations & Compliance
17 toolsT255→
FedNow Participation Readiness Scorer
Score your institution against all 47 FedNow participation requirements across technical, operational, compliance, and liquidity dimensions. Readiness score, gap analysis, and AP2 JSON participation profile. Client-side. Zero PII.
T254→
ISO 20022 Cross-Rail Message Compatibility Checker
Check ISO 20022 message compatibility across 6 real-time rails: FedNow, RTP/TCH, SEPA Instant, CHAPS, Faster Payments, and SWIFT CBPR+. Field-level overlay comparison and AP2 JSON compatibility report. Client-side. Zero PII.
T256→
Real-Time Payment Fraud Velocity Rule Builder
Build and test fraud velocity rules for real-time payment rails. Configure thresholds, time windows, and action triggers for sub-second decisioning. AP2 JSON rule export for agent runtime ingestion. Client-side. Zero PII.
T257→
PSR APP Fraud Reimbursement Workflow Builder
Build PSR PS24/3-compliant APP fraud reimbursement workflows. Model the £85,000 consumer cap, gross negligence defences, sending/receiving PSP liability split, and claim timelines. AP2 JSON workflow export. Client-side. Zero PII.
T258→
Intraday Credit Facility Sizing Model
Size intraday credit facilities against BCBS 248 ILM indicators and LCR requirements. Model peak intraday liquidity usage, facility headroom, and stress scenarios for FedNow and RTP settlement. AP2 JSON liquidity profile. Client-side. Zero PII.
T555→
ISO 20022 Schema-Subset Tables & Validators
Hand-derived schema-subset tables for pain.001.001.09 (+.12 delta) and camt.053.001 with IBAN mod-97, BIC format, ISO 4217/3166 code lists, decimal/date facets, and batch-total cross-checks. Client-side only. Zero PII.
T259→
AP2 Real-Time Payments Policy Builder
Build AP2 agentic policy definitions for real-time payment decisioning across 5 dimensions: rail selection, fraud threshold, reimbursement rules, liquidity guardrails, and compliance triggers. AP2 JSON policy export for agent runtime ingestion. Client-side. Zero PII.
T248→
ISO 20022 Message Validator + Field Explorer
Validate ISO 20022 XML messages (pacs.008, pain.001, camt.053) against embedded schema rules, parse every field with business context, and explore 20+ message types. Client-side only. Zero PII.
T319→
ISO 20022 Status & Rejection Decoder
Decode ISO 20022 pacs.002/008/009 TxSts and StsRsnInf rejection codes to plain English with severity classification, remediation guidance, and CBPR+ Nov 2026 structured address risk flags. Batch mode for up to 20 messages. Client-side. Zero PII.
T26→
APP Fraud Liability Decision Matrix
Five-stage decision framework for APP fraud liability under UK PSR rules. Model sending and receiving PSP obligations, consumer gross negligence defences, and reimbursement outcomes. Companion tool for Cat-21 PSR compliance workflows. Client-side. Zero PII.
T271→
Alias/Proxy Payment Directory Readiness Assessor
Evaluate PSP readiness for alias-based real-time payment routing across FedNow alias, UK Confirmation of Payee, UPI, PayID (AUS), Zelle, and SEPA Proxy Lookup. Covers enrollment, lookup, misdirected payment recovery, and GDPR obligations.
T289→
Verification of Payee (VoP) Readiness & Match Simulator
Simulate the four EPC VoP outcomes with a deterministic name-matching engine — diacritics, legal-form suffixes, token order, tunable thresholds — and score PSP readiness against the EPC VoP Rulebook and Reg (EU) 2024/886. Mandatory for euro-area PSPs since 9 Oct 2025. Client-side. Zero PII.
T559→
CoP & VoP Scheme Readiness Self-Assessment
Score your declared answers against the EPC Verification of Payee Rulebook (EPC218-23 v1.1) and Pay.UK Confirmation of Payee obligations, plus a separately-flagged pilot track for CoP-enhancement capabilities not yet formally published by Pay.UK. Gap report + Policy Mandate. Self-assessment, not certification. Client-side. Zero PII.
T379→
CBDC Pilot Participation Readiness Assessor
Evaluate institutional readiness to join a central bank digital currency pilot across 5 dimensions: technology (DLT/API/HSM), legal/regulatory, AML/KYC for programmable money, intraday liquidity, and operations. Covers digital euro, Fed experiments, mBridge, BoE, MAS.
T558→
APP-Reimbursement Claim-Evidence Composer
Assemble VoP/CoP session receipts, a customer-comms attestation, and a gross-negligence assessment into a hash-chained, Merkle-rooted claim-evidence bundle. UK PSR (SD20) and EU cross-border (IPR mismatch liability, PSD3/PSR-EU track flagged forthcoming) checklist definitions. Evidence composer, not an adjudicator. Client-side. Zero PII.
DORA & Operational Resilience Hub · 11 Tools Unlocked
DORA Operational Resilience Hub
Eleven browser-based tools covering the full EU DORA (Digital Operational Resilience Act) compliance lifecycle: ICT risk gap analysis, Register of Information quality, critical functions identification, incident classification, resilience testing programme design, third-party contract checking, ICT concentration risk modelling, proportionality assessment, NCA submission tracking, NIS2/DORA overlap mapping, and AP2 policy mandate generation. EU 2022/2554 · RTS 2024/1772 · ITS 2025/302. Client-side. Zero PII.
EU 2022/2554 · RTS 2024/1772
TLPT · Art. 30 · NIS2
AP2 JSON Export
Zero PII · Client-Side
Open the Hub →
22
DORA & Operational Resilience
17 toolsT300→
DORA ICT Risk Management Gap Analyser
Score your DORA ICT risk management posture across five pillars — governance, identification, protection, detection, and recovery. Generates a composite gap score, pillar-level heatmap, and prioritised remediation list. AP2 JSON export. Art. 5–16. Client-side. Zero PII.
T301→
DORA Register of Information Structure Builder
Build and quality-check your DORA Register of Information (RoI) against 24 ESA structural requirements. Add ICT third-party providers, validate LEI codes and CIF linkage, and generate an xBRL-CSV-ready export. AP2 JSON mandate. Art. 28. Client-side. Zero PII.
T302→
DORA Critical & Important Functions (CIF) Identifier
Classify ICT functions into Tier 1 Core-Critical, Tier 2 Important, and Tier 3 Non-CIF using the DORA Art. 3(22) criteria — settlement dependency, RTO, customer impact, and substitutability. Sets TLPT scope. AP2 export. Client-side. Zero PII.
T303→
DORA ICT Incident Classification Engine
Classify ICT incidents against all seven DORA major-incident criteria — clients affected, duration, data loss, geographic spread, economic impact, criticality, and reputational risk. Auto-determines reporting obligation and NCA notification deadline. AP2 export. Art. 18–20. Client-side. Zero PII.
T304→
DORA Resilience Testing Programme Designer
Design your DORA Art. 24–27 resilience testing programme — basic tests for all entities and TLPT eligibility for significant entities. Generates a testing schedule, TIBER-EU alignment checklist, and AP2 JSON programme mandate. Client-side. Zero PII.
T305→
DORA Third-Party ICT Contract Checker
Audit ICT third-party contracts against all 12 mandatory Art. 30 contractual provisions — SLAs, audit rights, subcontracting, data location, BCDR, incident reporting, termination, and more. Generates missing-clause model language and AP2 JSON. Client-side. Zero PII.
T306→
DORA ICT Concentration Risk Modeller
Model ICT provider concentration using HHI index, SPOF detection, and CTPP identification. Score portfolio risk across up to 10 providers, flag Critical Third-Party Providers (CTPPs) automatically, and export an AP2 JSON risk parameter mandate. Art. 29. Client-side. Zero PII.
T307→
DORA Proportionality Assessment Tool
Determine whether your institution qualifies for the Simplified ICT Risk Management Framework (Art. 16) based on size, systemic importance, and risk profile. Maps applicable vs. exempt obligations across all five DORA pillars. AP2 export. Client-side. Zero PII.
T308→
DORA NCA Submission & Deadline Tracker
Generate a jurisdiction-specific NCA submission calendar for your DORA Register of Information. Covers all EU/EEA member states with per-NCA deadlines, required formats (xBRL/CSV), and penalty exposure estimates. AP2 export. Client-side. Zero PII.
T309→
NIS2 / DORA Dual-Compliance Overlap Mapper
Map shared controls and deduplication opportunities across NIS2 and DORA for in-scope financial entities. Identifies controls satisfying both regimes simultaneously to reduce compliance overhead. AI Act overlay for AI-in-ICT scenarios. AP2 export. Client-side. Zero PII.
T310→
AP2 DORA Policy Mandate Builder
Anchor agentic tool for Cat-22. Configure risk appetite, RTO/RPO targets, primary NCA, board reporting cadence, TLPT requirements, and RoI format — and export a validated AP2 JSON DORA Policy Mandate for MCP agent runtime ingestion. Client-side. Zero PII.
T320→
AP2 MCP Policy Validator & Bridge
Validate Policy Mandate JSON payloads against the Unified Build Contract v1.0 schema, auto-generate MCP tool definitions, and simulate agent ingestion of agent_instructions. Client-side. Zero PII.
T358→
DORA ICT Third-Party Provider Register of Information Builder
Build and validate the Register of Information on ICT third-party service provider contracts required by DORA Article 28. Validates against ESAs Joint ITS template (JC 2023 84). Flags Art.30 gaps, exit strategy deficiencies, and jurisdiction concentration risk.
T359→
DORA TLPT Scope & Frequency Assessor
Determine whether your entity qualifies for DORA Threat-Led Penetration Testing (Article 26) and map TIBER-EU/CBEST obligations. Assesses systemic importance, cross-border reach, 3-year cycle timing, and programme readiness gaps.
T290→
Policy Mandate Register
Aggregate and audit a portfolio of AINumbers Policy Mandate exports — multi-file drop intake, async SHA-256 duplicate detection, expiry status, coverage matrix by mandate_type × jurisdiction, and roll-up panels. Tier 1 Policy Mandate export + CSV. Client-side. Zero PII.
T291→
Mandate Diff
Schema-aware diff between two exported Policy Mandate JSON files — top-level field changes, payload deep-diff, agent_instructions additions/removals, and stage-level diff for composite mandates matched by tool_id. Tier 1 diff mandate export. Client-side. Zero PII.
T518→
DORA ICT Cascade Simulator
Monte Carlo BFS simulation of ICT failure cascade propagation for DORA compliance. Models bank_core, cloud_native, and legacy_hybrid topologies. Reports DORA reporting probability and breach time percentiles. Synthetic only — zero PII.
Capital Markets Settlement Hub · T+1 Transition & Settlement Infrastructure
Capital Markets Settlement Hub
Settlement cycle reform tools for the UK T+1 transition (October 2027), CRR3 output floor modelling, settlement finality analysis, and DvP reconciliation. Firm must be ready to test by end of 2026 per FCA/BoE/HMT Accelerated Settlement Taskforce guidance.
UK T+1 Oct 2027
FCA / BoE / HMT AST
CRR3 Output Floor
Zero PII · Client-Side
Open the Hub →
23
Capital Markets Settlement
22 toolsT351→
T+1 Settlement Operational Readiness Assessor
Assess readiness for the UK T+1 settlement cycle transition (October 11, 2027). Scores affirmation/confirmation compression, FX funding windows, securities lending recall, fails management, and technology readiness. Firms must be ready to test by end of 2026.
T368→
CSDR Settlement Fails Cash Penalty Calculator
Calculate daily and cumulative cash penalties for settlement fails under CSDR/CSDR Refit. Penalty formula: rate × reference price × quantity × days. Rates by instrument type (liquid equity 1bp, sovereign 0.1bp). Mandatory buy-in trigger detection. AP2 export.
T369→
T+1 Post-Trade Workflow Timing Assessor
Score each post-trade step against UK AST T+1 timing requirements. Allocation by 23:00 T+0, confirmation by 23:59 T+0, settlement instruction by 08:00 T+1. Flags chain breaks and generates remediation priorities. AP2 export.
T370→
Settlement Efficiency Rate Calculator & AST Benchmark
Calculate your Settlement Efficiency Rate (SER) by fail cause, benchmark against the AST ≥98% target, and model the monthly improvement trajectory needed by the Jul–Sep 2027 measurement window. Fail cause ranking and remediation priorities. AP2 export.
T371→
Securities Lending Recall Revenue Impact Modeler
Model the revenue impact of shortening recall periods to comply with T+1 settlement. Calculates revenue lost from tenor compression, CSDR penalty cost avoided, net P&L impact, and recommended tenor rebalancing. Break-even fee uplift analysis. AP2 export.
T372→
Buy-In Scope Classifier & Cost vs. Penalty Estimator
CSDR mandatory buy-in regime: classify instrument into buy-in scope, calculate trigger day (4/7/15 business days by type), estimate buy-in execution cost vs cumulative penalty, and output a buy-in-or-pay recommendation with break-even analysis. AP2 export.
T373→
Non-DVP Retail Fund Settlement Impact Assessor
Assess T+1 impact on retail fund settlement flows. BACS (3-day lag) is incompatible with T+1 — scores BACS/FPS/CHAPS rail mix, models annual cost uplift of migrating to Faster Payments, flags FPS £1M ceiling breaches, and outputs phased migration plan. AP2 export.
T378→
US-EU Settlement Mismatch Impact Estimator
Quantify the annual cost of the US T+1 vs EU T+2 settlement cycle mismatch for cross-border broker-dealers and custodians: failed trade penalties, pre-funding/repo cost, FX exposure window, and affirmation deadline conflicts. Includes EU T+1 (2027) savings projection.
T503→
Canton Tokenization Readiness Diagnostic
12-question diagnostic across six weighted readiness domains: settlement ops, custody, cash-leg, privacy, AML/KYA, and capital. Routes to the correct Canton workflow chain based on gaps. Root node of the Canton Capital Efficiency chain. AP2 export.
T504→
Settlement-Risk Capital Efficiency Optimizer
Quantify RWA and capital savings from moving to Canton atomic DvP. Outputs bps-of-notional saved per year (BCBS CRE70/CRE52 SA-CCR). Stage 2 of the Canton Capital Efficiency chain. AP2 export.
T505→
Tokenized Collateral Eligibility Checker
Classify tokenized assets for DTC/Fed eligibility and Basel HQLA tier (L1/L2A/L2B/non-HQLA). Shared eligibility layer consumed by DvP, repo, margin, and fund workflows. BCBS d349/SCO60. AP2 export.
T506→
On-Chain Cash-Leg Finality Checker
Validate USDC/deposit-token cash-leg finality, reserve attestation, and GENIUS Act / MiCA compliance for Canton settlement. Emits finality_verdict and GENIUS PPSI / MiCA EMT conformance flags. AP2 export.
T507→
Canton DvP Atomicity Validator
Validate atomic DvP settlement on Canton against PFMI Principle 12. Generate a counterparty-verifiable settlement-readiness attestation with execution_hash. Eliminates Herstatt risk. AP2 export.
T508→
On-Chain Repo Haircut Calculator
Compute repo haircut with Canton 24/7 collateral valuation versus legacy weekend gap. Basel CRE22 supervisory haircuts and BCBS d349 SFT minimum haircut floors. GMRA/SFTR reporting output. AP2 export.
T509→
Canton Party Allowlist Validator
Screen counterparties against FATF Travel Rule and AML/KYA requirements for Canton Network onboarding. Emits allowlist_verdict, FATF flags, and approved party list. AP2 export.
T510→
Digital Asset Regulatory Classifier
Classify tokenized assets under GENIUS Act, MiCA, MiFID II, and EU DLT Pilot Regime. Outputs applicable frameworks, MiFID II instrument type, and DLT Pilot eligibility flag. AP2 export.
T511→
Multi-Currency PvP Validator
Validate atomic cross-currency PvP settlement on Canton to eliminate Herstatt risk in FX and multi-currency repo. PFMI P12 PvP model compliance, FX netting, and repo pre-funding windows. AP2 export.
T512→
Tokenized Security Lifecycle Validator
Validate Daml lifecycle coverage for tokenized securities: issuance, coupon/dividend, corporate actions (splits, mergers), and maturity/redemption. EU DLT Pilot Regime and MiFID II compliance. AP2 export.
T513→
Margin Call Collateral Mobilizer
Margin computation branched by instrument: UMR/d499 for derivatives; GMRA/d349 for repo/SFT. Never mixed. Canton 24/7 collateral mobilisation. VM and IM decomposition. AP2 export.
T514→
Tokenized Fund Collateral Validator
Validate MMF/CNAV/LVNAV/VNAV fund shares as collateral (SEC Rule 2a-7 post-2023, EU MMFR, Basel HQLA exclusion). Canton/Benji tokenized fund collateral assessment. AP2 export.
T515→
Collateral Swap Eligibility Validator
Validate collateral swaps under GMSLA/GMRA with SFTR Article 15 reuse constraints. HQLA upgrade and downgrade impact analysis. Canton settlement of collateral swap legs. AP2 export.
T516→
SA-IM Initial Margin Calculator
Compute Standardised Approach Initial Margin (SA-IM, BCBS-IOSCO d499) for uncleared derivatives via the regulatory tenor add-on schedule, with UMR phase thresholds and €50M IM / €500k MTA tests. GMRA haircut framework for repo/SFT. Canton 24/7 mobilization. AP2 export.
EU Sustainable Finance Hub · 7 Tools · SFDR · EU Taxonomy · CSRD · UK SDR · PAI · Transition Plans
EU Sustainable Finance Hub
Six browser-based tools covering the EU sustainable finance regulatory stack: SFDR fund classification (Art.8/Art.9), EU Taxonomy alignment scoring, CSRD double materiality assessment, UK FCA SDR fund labelling readiness, SFDR PAI indicator calculation, and transition plan adequacy checking against FCA PS23/24, EU CSRD/CS3D, and ISSB S2. Client-side. Zero PII.
SFDR · EU Taxonomy · CSRD
FCA SDR PS23/16 · PS23/24
PAI Indicators · Transition Plans
Zero PII · Client-Side
Open the Hub →
24
EU Sustainable Finance & ESG
7 toolsT353→
SFDR Article 8 / Article 9 Fund Classification Checker
Assess whether a fund meets SFDR Article 8 (environmental/social characteristics) or Article 9 (sustainable investment objective) under EU 2019/2088. Models 2026 review proposals including taxonomy safe harbour raised to 20% and PAI disclosure requirements. Flags greenwashing risk.
T354→
EU Taxonomy CapEx / Revenue Alignment Scorer
Score portfolio or corporate alignment with the EU Taxonomy Regulation across 6 environmental objectives (CCM, CCA, water, circular, pollution, biodiversity). Models Green Asset Ratio (GAR), DNSH checks, and Minimum Social Safeguards for Art.8 Taxonomy disclosure.
T355→
CSRD Double Materiality Assessment Builder
Build a structured double materiality assessment for CSRD compliance. Score 10 ESRS topics across impact materiality (scale × scope × irremediability × likelihood) and financial materiality (magnitude × likelihood × time horizon). Reflects simplified ESRS from December 2025 EFRAG advice (61% datapoint reduction).
T356→
UK SDR Fund Labelling Readiness Checker
Assess FCA SDR label readiness for UK investment funds. Check eligibility for four labels: Sustainability Focus, Improvers, Impact, and Mixed Goals under PS23/16. Evaluates anti-greenwashing rule compliance and sustainability naming/marketing requirements.
T384→
SFDR PAI Indicator Calculator
Calculate and assess the 14 mandatory Principal Adverse Impact indicators for SFDR Article 4 / Article 8 / Article 9 fund reporting under EU 2019/2088 and RTS 2022. Inputs portfolio data across climate (GHG intensity, fossil fuel exposure), biodiversity, water, waste, and social categories. Outputs a coverage-adjusted PAI disclosure table with benchmark flags and gap remediation guidance.
T385→
Transition Plan Adequacy Checker
Evaluate transition plan quality against FCA PS23/24, EU CSRD/CS3D, and ISSB S2 simultaneously. Scores ambition level, near-term milestones, CapEx alignment, governance (board oversight), and Scope 3 / supply chain coverage. Produces per-framework scores, a gap registry with priority levels, and a required narrative element checklist for compliant disclosure.
T450→
PCAF Retail Portfolio Carbon Footprint
Calculate financed emissions for retail lending portfolios using PCAF Global GHG Standard Part C — residential mortgages (EPC-based), auto loans (ICE/hybrid/EV mix), personal loans, and credit cards. Outputs tCO2e/year by product, PCAF data quality scores (1–5), Scope 3 Category 15 reporting note, and net-zero pathway reduction targets.
PSP & Payment Compliance Hub · Cat-25 · 9 Tools
PSP & Payment Compliance Hub
Nine browser-based tools covering the full compliance lifecycle for payment institutions and e-money institutions: PI/EMI authorisation readiness, capital requirements (PSD2 Art.9 & EMD2 Art.5), customer fund safeguarding, SEPA OLO, surcharging rules, SCA exemption classification, FCA operational resilience, and APP fraud reimbursement. PSD2 · PSRs 2017 · FCA · UK PSR.
PSD2 · UK PSRs 2017
FCA · EBA
SCA Exemptions · APP Fraud
Zero PII · Client-Side
Open the Hub →
25
PSP & Payment Compliance
9 toolsT269→
PSP Customer Fund Safeguarding Assessment
Assess UK FCA enhanced safeguarding compliance for payment institutions and e-money institutions. Evaluates method, permitted assets, daily reconciliation, acknowledgment letter, and shortfall calculation against CP22/15 requirements.
T270→
SEPA One-Leg-Out (OLO) Readiness Checker
Evaluate EU PSP readiness for mandatory SEPA OLO rules (effective October 2025): structured postal address completeness, purpose code usage, and currency conversion disclosure for non-EEA leg transactions.
T272→
Payment Surcharging Compliance Navigator
Cross-jurisdiction surcharging rules in one tool. Determine whether card and A2A surcharging is permitted, banned, or cost-capped across EU PSD2, UK PSR, US state laws (10 states), and Australia RBA — by payment method.
T376→
FCA Operational Resilience Impact Tolerance Builder
Build and self-assess UK FCA PS21/3 Important Business Services, set impact tolerances, map vulnerabilities, and scenario-test tolerance breaches. UK-specific ORB framework — distinct from DORA (EU). Full board sign-off deadline was March 2025.
T404→
Payment Institution Authorisation Readiness Checker
Gaps PI/EMI licence applications against FCA and EU NCA requirements. Readiness score 0-100 with gap list per PSD2/PSR 2017 Article requirement.
T405→
E-Money Institution Capital Requirements Calculator
Computes EMI own-funds requirement per EMD2 Article 5 Methods A/B/C. Comparison table across all three methods with recommended approach.
T406→
PSR APP Reimbursement Liability Splitter
Allocates APP fraud reimbursement liability between sending and receiving PSPs under UK PSR PS23/3 (Oct 2024). Computes £ splits and claim eligibility.
T418→
Payment Institution Own Funds Calculator
Compute PI own-funds requirement under PSD2 Article 9 / UK PSRs 2017 using Method A (10% of fixed overheads), Method B (tiered % of payment volume × k), or Method C (3-year rolling average). Compare all three methods side-by-side. Floor: €125,000. Companion to T405 for EMIs.
T419→
SCA Transaction Exemption Classifier
Classify a payment transaction against all 9 PSD2 RTS / UK FCA SCA exemption routes — low value, TRA (fraud-rate thresholds €100/€250/€500), trusted beneficiary, recurring same amount, merchant-initiated, B2B dedicated account, and unattended terminal. Ranked by friction. Outputs liability shift position for each. EU and UK regimes.
TradeTech & Trade Finance Hub · Cat-26 · 8 Tools
TradeTech & Trade Finance Hub
Eight browser-based tools covering the full trade finance lifecycle: MT700/UCP 600 LC validation, supply chain finance pricing, Incoterms 2020 risk mapping, documentary collection vs LC cost analysis, trade credit and country risk, forfaiting vs factoring vs invoice discounting economics, sanctions compliance, and bank guarantee/SBLC structuring. ICC · UCP 600 · URDG 758 · OECD CRC. Client-side. Zero PII.
ICC · UCP 600 · URDG 758
OECD CRC · ECA · Incoterms 2020
OFAC · EU · UN · UK OFSI
Zero PII · Client-Side
Open the Hub →
26
TradeTech & Trade Finance
8 toolsT420→
MT700 LC Field Validator & UCP 600 Compliance Checker
Validate SWIFT MT700 Documentary Credit fields against UCP 600 rules and ISBP 821. 16 validation checks: mandatory fields, date sequencing, ISO currency, partial shipments consistency, and document requirements. Compliance score 0–100 with field-by-field results and UCP article citations.
T421→
Supply Chain Finance Programme Pricing Model
Model SCF economics across reverse factoring/payables finance, receivables discounting, and dynamic discounting. Per-invoice net proceeds, annual programme P&L, break-even discount rate, and yield to funder. Buyer credit rating drives cost of funds for reverse factoring.
T422→
Incoterms 2020 Risk & Cost Allocation Mapper
Map risk transfer points and cost responsibilities for all 11 Incoterms 2020 rules. Compare two Incoterms side-by-side. Flags modal suitability warnings (FOB not recommended for containerised), CIP/CIF insurance rule changes (ICC A vs. C), and generates a seller document checklist.
T423→
Documentary Collection vs LC Cost-Benefit Analyzer
Compare total cost and risk-adjusted economics of Documentary Collections (D/P and D/A) against Letters of Credit. Risk exposure modelling, break-even non-payment probability, and recommendation based on buyer country risk and relationship. UCP 600 · URC 522.
T424→
Trade Credit & Country Risk Assessor
Score combined country and commercial credit risk using OECD Country Risk Classification (0–7) across 50 countries. Recommends risk mitigation instruments (Confirmed LC, ECA cover, SBLC, credit insurance) and provides ECA names for the seller's country.
T425→
Forfaiting vs Factoring vs Invoice Discounting Economics
Compare net proceeds and effective annual cost across forfaiting, factoring (with/without recourse), and invoice discounting. Advance rates, discount rates, fees, and reserves modelled for each instrument. Suitability matrix showing which instrument fits which scenario.
T426→
Trade Finance Sanctions & Compliance Risk Checker
Assess sanctions and export control risk across OFAC, EU, UN, and UK OFSI regimes. Flags sanctioned jurisdictions, dual-use goods, Russia-evasion transshipment hubs (UAE, Turkey, HK, SG), and 8 red-flag indicators. Verdict: CLEAR / CAUTION / HIGH RISK / BLOCKED.
T427→
Bank Guarantee & SBLC Structuring Tool
Structure and cost bank guarantees and SBLCs across 6 guarantee types (bid bond, performance, advance payment, payment, financial SBLC, customs). Compare URDG 758, ISP98, and UCP 600 rules. Generates SWIFT MT760 field guide and documentation checklist.
WealthTech Hub · Cat-27 · 9 Tools
WealthTech Hub
Seven browser-based tools for wealth managers, financial advisers, and investment platforms: MiFID II/III ex-ante cost disclosure, model portfolio risk analytics, suitability assessments, advisory fee disclosure, portfolio drift and rebalancing, tax-efficient wrapper optimization, and fiduciary duty gap assessment. MiFID II/III · FCA · RDR · DOL · SEC Reg BI. Client-side. Zero PII.
MiFID II/III · FCA · RDR
SEC Reg BI · DOL Fiduciary
ISA · SIPP · Roth IRA · 401k
Zero PII · Client-Side
Open the Hub →
27
WealthTech
11 toolsT428→
MiFID II Ex-Ante Costs & Charges Calculator
Aggregate and disclose investment costs per MiFID II Article 24(4) / PRIIPs KID — one-off, ongoing, and incidental charges. Calculates Reduction in Yield (RIY), generates standardised cost disclosure paragraph, and models compounding impact over 1/3/5/10-year horizons.
T429→
Model Portfolio Risk Analytics
Calculate expected return, volatility, Sharpe ratio, max drawdown, VaR 95% 1yr, and tracking error for a model portfolio of up to 8 asset classes. Risk contribution table, optional benchmark comparison, and simplified efficient frontier visualisation.
T430→
MiFID II/III Suitability Assessment Framework
Structure a MiFID II Article 25 suitability assessment across financial situation, objectives, risk tolerance, and knowledge. Detects mismatches between client profile and proposed product risk. Generates a suitability statement template. MiFID III ESG preference integration.
T431→
Advisory Fee Disclosure Builder (RDR / MiFID II)
Build compliant fee disclosures for retail investment clients under UK RDR / MiFID II. Aggregates adviser, platform, and fund charges with year-by-year compounding drag. Generates FCA-benchmark comparison and ready-to-use disclosure text block.
T432→
Portfolio Drift & Rebalancing Trigger Calculator
Detect allocation drift for up to 8 asset classes against target weights. Calculate rebalancing trade sizes, transaction costs, CGT impact, and net benefit vs. drift correction. Traffic-light status per asset class with cost-benefit recommendation.
T433→
Tax-Efficient Investment Wrapper Optimizer
Compare after-tax portfolio values across UK (ISA/SIPP/GIA) and US (Roth IRA/Traditional IRA/401k/Taxable) wrappers over 1–30 years. Optimal wrapper recommendation with annual projections and tax saving vs. least-efficient wrapper.
T434→
Fiduciary & Best Interest Duty Gap Assessor
20-question gap assessment across FCA Consumer Duty (PS22/9), SEC Regulation Best Interest, DOL Fiduciary Rule 2024, and MiFID III. Section scores with traffic lights, remediation actions with regulatory citations, and top 5 priority gaps by risk.
T448→
PRIIPs KID Compliance Checker
Evaluate a PRIIPs Key Information Document against Regulation (EU) 1286/2014 and Level 2 RTS 2017/653. Checks all mandatory content sections (SRI, performance scenarios, cost tables, RIY), format compliance (3-page limit, prescribed headings), and critical failure flags. Covers EU/UK divergence post-Brexit (FCA PS23/9 / CCI regime).
T449→
ISA & LISA Eligibility Calculator
Determine UK ISA and Lifetime ISA eligibility, calculate remaining 2024/25 allowances, and model LISA government bonus entitlements (25% up to £1,000/year). 5-year savings projection with/without bonus, home purchase eligibility check (£450k limit), withdrawal penalty warning, and April 2024 multiple-ISA rule. SI 1998/1870 · SI 2017/336 · HMRC Technical Guidance.
T463→
Regulation Best Interest (Reg BI) Checker
Evaluate a broker-dealer recommendation against SEC Regulation Best Interest (Reg BI, June 2020). Checks all four obligations — Care, Conflict of Interest, Disclosure (Form CRS), and Compliance — with per-obligation scoring, flagged gaps, and remediation guidance. Pairs with T464 Form CRS Generator for a full Reg BI compliance workflow.
T464→
Form CRS Generator (SEC Client Relationship Summary)
Build an SEC-mandated Client Relationship Summary (Form CRS / Form ADV Part 3) for broker-dealers and registered investment advisers. Covers all required content sections: relationship types, fees, conflicts, disciplinary history, and standard-of-care summary. Output: structured draft in SEC prescribed format. Reg BI · SEC Rule 17a-14 · IA Act Rule 204-5.
LendTech & Credit Operations Hub · Cat-28 · 7 Tools
LendTech & Credit Operations Hub
Seven browser-based tools for credit analysts, corporate bankers, and lending teams: credit facility structuring, loan covenant compliance monitoring, risk-adjusted loan pricing (RAROC), DSCR and interest coverage ratio calculation, Basel III/IV credit RWA under the Standardised Approach, and APR/APRC disclosure building. Basel IV · CRR3 · EU CCD2 · UK FCA MCOB · US TILA. Client-side. Zero PII.
Basel IV · CRR3 · IRB
RAROC · DSCR · ICR · RWA
EU CCD2 · UK MCOB · US TILA
Zero PII · Client-Side
Open the Hub →
28
LendTech & Credit Operations
7 toolsT435→
Credit Facility Structuring Calculator
Model TLA (amortising), TLB (bullet), revolving credit facility, and capex facility economics. Borrower all-in cost of funds, lender yield and return on assets, amortisation schedule, RCF utilization scenarios, and ±50bps rate sensitivity.
T436→
Loan Covenant Compliance Monitor
Test up to 6 financial covenants simultaneously. Traffic-light dashboard with headroom analysis, EBITDA stress testing (−10/20/30%), interest rate shocks (+100/200bps), breach alerts with cure options, and 5-year forward compliance projection.
T437→
Risk-Adjusted Loan Pricing (RAROC) Calculator
Calculate RAROC for corporate loans using PD, LGD, EAD, and economic capital (AIRB/FIRB/SA). P&L waterfall from gross revenue to net risk-adjusted income. Break-even spread vs. hurdle rate. Sensitivity table across spread, PD, and LGD variations.
T438→
DSCR & Interest Coverage Ratio Calculator
Calculate all 8 major DSCR and ICR variants from a single input set — Basic DSCR, Cash DSCR, FCF DSCR, FCCR, ICR (EBIT/EBITDA), net and gross leverage. Lender threshold matrix across 5 credit categories and break-even EBITDA per threshold.
T439→
Basel III/IV Credit RWA Calculator
Calculate credit RWA under Basel IV/CRR3 Standardised Approach for up to 5 exposures. Full risk weight table by counterparty type and rating. Financial collateral simple method, SME supporting factor (Art.501), CRR3 output floor phase-in note, and capital surplus/deficit.
T440→
Loan APR & APRC Disclosure Builder
Newton-Raphson APR/APRC solver for consumer and mortgage loans. Jurisdiction-specific disclosure text (EU CCD2 / UK FCA MCOB / US TILA box), full amortisation schedule, and total cost of credit breakdown. Supports consumer loans, mortgages, car finance.
T452→
Fair Lending AI Bias Assessment
Evaluate AI/ML credit models for fair lending compliance across 5 risk dimensions: model transparency, disparate impact (4/5ths rule), adverse action reason codes, governance, and regulatory exposure. Critical auto-flags for protected class inputs, ECOA Reg B failures, and EU AI Act conformity requirements. ECOA · FHA · CFPB Circular 2022-03 · EU AI Act Annex III.
US Banking & Consumer Regulation Hub · Cat-29 · 6 Tools
US Banking & Consumer Regulation Hub
Six browser-based tools for US bank compliance officers, consumer lenders, and fintech teams: UDAAP risk scoring, Reg E dispute workflows, Durbin Amendment interchange analysis, HMDA reportability checking, BSA/SAR filing adequacy, and SR 11-7 model risk management gap assessment. CFPB · FinCEN · Federal Reserve · OCC · Dodd-Frank.
CFPB · UDAAP · Reg E · HMDA
Durbin · BSA · FinCEN · SAR
SR 11-7 · Model Risk · OCC
Zero PII · Client-Side
Open the Hub →
29
US Banking & Consumer Regulation
6 toolsT441→
UDAAP Risk Assessor
Score products and practices against the CFPB's UDAAP framework (Unfair, Deceptive, Abusive Acts or Practices) under Dodd-Frank §1031. Weighted scoring across three dimensions with risk flags, recommended controls, and priority remediation actions. Dodd-Frank §1031 · CFPB Exam Procedures 2022 · CFPB Abusiveness Policy Statement 2023.
T442→
Reg E Dispute Workflow Builder
Generate a compliant Reg E error resolution workflow per 12 CFR Part 1005.11. Calculates investigation timelines (10-day standard / 45/90-day extended), provisional credit requirements, consumer liability ($50/$500/unlimited tiers), and required consumer notices for EFT disputes. EFTA · Reg E §1005.11 · CFPB Prepaid Rule.
T443→
Durbin Amendment Interchange Analyzer
Determine debit card interchange caps under Regulation II (12 CFR Part 235). Checks $10B asset threshold coverage, calculates the $0.21 + 0.05% cap (with $0.01 fraud adjustment), tests network routing compliance (two unaffiliated networks), and models merchant savings at 1k/5k/10k transaction volumes. Durbin Amendment · Reg II · EFTA §1693o-2.
T444→
HMDA Reportability Checker
Determine HMDA reportability under Regulation C (12 CFR Part 1003). Runs both institutional coverage tests (depository $56M threshold / nondepository origination volume) and transaction coverage tests, maps Action Taken codes (1–8), and generates required LAR data fields checklist. HMDA · Reg C · CFPB 2018 HMDA Rule.
T445→
BSA/SAR Filing Adequacy Checker
Evaluate SAR filing obligation, timeliness, and narrative content adequacy per 31 CFR Part 1020. Determines mandatory vs voluntary filing thresholds by institution type ($2k–$25k), calculates 30/60-day deadlines, scores narrative completeness on the 5 Ws + How framework, and flags tipping-off violations (31 U.S.C. §5318(g)(2)). BSA · FinCEN · Anti-structuring.
T451→
SR 11-7 Model Risk Management Gap Assessor
Score your MRM framework across 25 questions in 4 domains — Development (30%), Validation (35%), Governance (25%), Inventory (10%) — against Federal Reserve SR 11-7 / OCC 2011-12. Five maturity bands (Initial → Optimizing), priority gap list with SR 11-7 section references, and examiner focus areas warning. Fed SR 11-7 · OCC 2011-12 · CCAR SR 15-18.
Insurance & InsurTech Hub · Cat-30 · 10 Tools
Insurance & InsurTech Hub
Ten browser-based tools for insurance professionals, actuaries, and InsurTech teams: embedded insurance unit economics, P&C combined-ratio benchmarking, NAIC RBC and cross-regime solvency capital, reinsurance burning-cost / XL layer pricing, parametric & ILS trigger design with basis-risk estimation, pure-premium ratemaking adequacy, cyber accumulation & PML modelling, and chain-ladder / Bornhuetter-Ferguson reserving. Covers Solvency II, NAIC RBC, Bermuda BSCR, IRDAI, CAS actuarial standards, Lloyd's RDS, and IDD/EIOPA. Solvency II · NAIC RBC · CAS · Lloyd's RDS · EIOPA.
Solvency II · EIOPA · PRA
IDD · FCA · Embedded Insurance
SCR · Loss Ratio · Combined Ratio
Zero PII · Client-Side
Open the Hub →
30
Insurance & InsurTech
10 toolsT446→
Embedded Insurance Pricing Modeller
Model unit economics for embedded insurance products — GWP, combined ratio, underwriting profit/loss, breakeven loss ratio, and breakeven attachment rate. Covers 10 product types and 6 distribution channels. Monthly P&L waterfall, sensitivity table (±5% LR × ±5% attach rate), and IDD/FCA FG24/1 regulatory flags. IDD · FCA FG24/1 · EIOPA.
T447→
Solvency II SCR Calculator
Calculate indicative SCR using the Solvency II Standard Formula (Delegated Regulation EU 2015/35). Covers non-life underwriting risk (11 LoB premium/reserve factors), equity, interest rate, property, FX, and counterparty default (Type 1) modules, with BSCR aggregation using prescribed correlation matrices. Diversification benefit, SCR coverage ratio, and module breakdown. EIOPA · CDR 2015/35 · PRA SS9/15.
T455→
P&C Combined Ratio Analyzer & Benchmarker
Compute Loss, Expense, Combined, and Operating ratios from premium/loss/expense inputs across 12 lines of business, benchmark against AM Best / NAIC industry medians with colour-coded adequacy zones, and flag the NAIC IRIS solvency threshold (CR > 115%). KPI cards, benchmark gauge, decomposition chart, and interpretation panel. AM Best · NAIC IRIS.
T456→
Reinsurance Burning Cost & XL Layer Pricer
Price an excess-of-loss reinsurance layer using the burning-cost method — trend and IBNR-develop historical losses, apply the as-if layer (per-occurrence or aggregate XL), and derive burning-cost rate, technical rate, technical premium, and reinstatement cost. Year-by-year table, 5×5 attachment×limit sensitivity grid, and credibility warning. CAS Ratemaking.
T457→
NAIC Risk-Based Capital (RBC) Ratio Calculator
Calculate a simplified NAIC RBC ratio for a US P&C insurer — R0–R5 charge components with the prescribed covariance adjustment, Authorized Control Level RBC, and the ratio against all four action levels (CAL 200% / RAL 150% / ACL 100% / MCL 70%). RBC gauge, component breakdown, capital-buffer targets, and premium sensitivity. NAIC RBC · Model #312.
T458→
Parametric Trigger Designer & Basis Risk Estimator
Design a parametric / catastrophe-bond trigger structure — attachment, exhaustion, and payout function (linear / binary / step) — then model expected payout, premium indication and rate on line, and quantify basis risk via the (1−r²) approach. Inline SVG trigger diagram, peril frequency reference (NOAA/USGS/JMA/JRC), and trigger-type comparison. ILS · Parametric.
T459→
Insurance Ratemaking Adequacy Tester
Run the pure-premium (exposure-based) ratemaking method per CAS principles — trend and on-level the experience, compute weighted pure premium and permissible loss ratio, derive the indicated rate change, and apply credibility weighting (classical / square-root / full) against a chosen complement. Year-by-year table, adequacy verdict, and trend/PLR sensitivity. CAS Ratemaking.
T460→
Solvency Regime Capital Comparator
Compute required capital under four regimes — EU Solvency II (SCR), NAIC RBC (US), Bermuda BSCR, and IRDAI Solvency Margin — from one shared simplified balance sheet, then identify the binding constraint and excess buffer under each. Regime comparison table, capital-stack chart, and sensitivity toggle. Cross-links T447 (full SII SCR) and T457 (full NAIC RBC). Solvency II · NAIC · BMA · IRDAI.
T461→
Cyber Insurance Accumulation & PML Modeler
Estimate portfolio-level cyber PML at multiple return periods from aggregate book inputs only (no policyholder data) — attritional expected loss plus systemic-event PML across mass-ransomware, cloud-outage, infrastructure, and supply-chain scenarios. PML heat map, tail-risk summary, concentration indicators, and the Lloyd's RDS accumulation alert (1-in-100 > 25% of aggregate). Lloyd's RDS · NAIC Cyber.
T462→
Claims Reserve Adequacy Checker
Run the two core reserving methods — Development (Chain Ladder) and Bornhuetter-Ferguson — on a loss-development triangle. Select LDFs (volume-weighted / simple / n-year / manual) with tail factor, project ultimates and IBNR, blend a selected IBNR, and signal redundancy or deficiency versus the booked reserve. Completed triangle, CL-vs-BF comparison with divergence warning, and credibility advisory. CAS Reserving.
31
Open Templates & Agreements
5 toolsT530→
Agreement Template Linter
Paste an agreement and pick a target open standard (Common Paper MNDA/CSA, oneSaaS 52, oneDPA, GDPR Art 28) to get a clause diff showing which clauses are present, missing, or modified. Deterministic keyword matching. Selection and analysis only, not legal advice. Common Paper · oneSaaS · GDPR Art 28.
T531→
DPA GDPR Art 28(3) Checker
Paste a Data Processing Agreement and check it against GDPR Article 28(3)'s 12 mandatory processor clauses. Each clause is scored present, weak, or missing. Overall completeness percentage with Policy Mandate export. Cross-references Common Paper DPA and oneDPA. GDPR · Art 28(3) · DPA.
T532→
Clause Coverage Scorer
Paste any agreement and pick a clause taxonomy (oneSaaS 52, Common Paper Language Library, or GDPR Art 28) to receive a scored coverage report: coverage %, present and missing clause lists, and a maturity tier (Foundational through Advanced). Generalises the linter to named taxonomies for benchmarking. oneSaaS · Common Paper · GDPR.
T546→
Disclosure Manifest Builder
Drag in a folder of data-room files, hash each one locally, and build a signed Merkle-rooted disclosure manifest naming exactly what was in the room at a given version. Diffs against a prior manifest and links out to anchor.ainumbers.co to timestamp the root. No file leaves the browser.
T547→
Disclosure Manifest Verifier
Paste a disclosure manifest to verify its signature, prove a single file's Merkle inclusion against the root, or run a full present/missing/mismatched coverage report of a folder against it. Absence is provable only against the exact manifest checked.