Payment Institution Authorisation Readiness Checker

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Regulatory thresholds are static reference values — verify against current PSD2 2015/2366/EU, UK PSRs 2017 SI 752, EMRs 2011, and FCA Payment Services Approach Document before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.

Authorisation Readiness Score

— /100

Capital Adequacy Check

Requirement	Minimum Threshold	Your Capital	Status	Reference

Gap Analysis — PSD2 / PSR 2017 Article Requirements

Requirement	Article / Rule	Status	Gap / Action Required

Recommended Next Steps

{
  "name": "assess_payment_institution_authorisation_readiness",
  "description": "Gaps PI/EMI/AISP/PISP licence applications against FCA and EU NCA requirements per PSD2/PSRs 2017.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "entity_type":          { "type": "string", "enum": ["PI","EMI","AISP","PISP"] },
      "jurisdiction":         { "type": "string", "enum": ["UK","EU"] },
      "services":             { "type": "array", "items": { "type": "string" } },
      "has_aml_programme":    { "type": "boolean" },
      "initial_capital":      { "type": "number", "description": "Initial capital in GBP/EUR" },
      "safeguarding_approach":{ "type": "string" }
    },
    "required": ["entity_type","jurisdiction"]
  },
  "outputSchema": {
    "type": "object",
    "properties": {
      "readiness_score": { "type": "number" },
      "score_tier":      { "type": "string" },
      "capital_gaps":    { "type": "array" },
      "requirement_gaps":{ "type": "array" },
      "next_steps":      { "type": "array" }
    }
  }
}