AINumbers.co Ccd2 API
The ccd2 API from AINumbers.co — 4 operation(s) for ccd2.
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OpenAPI Specification
openapi: 3.2.0
info:
title: AINumbers.co Fintech Intelligence Suite Ccd2 API
version: 1.0.0
description: '**1255 fintech intelligence tools** covering ISO 20022, A2A payments, CFPB §1033, EU AI Act, DORA, MiCA, AML/KYC, BaaS, DLT/tokenization, ESG/climate finance, agentic payments (AP2, ACP, x402, Visa TAP, Mastercard Agent Pay), PQC migration, sanctions screening, and OpenChainGraph v0.4 computation chains.
## Transport
> **The live transport is MCP JSON-RPC 2.0 at `https://mcp.ainumbers.co/mcp` — not REST.**
>
> This OpenAPI file is a **descriptive data-room artifact** — a machine-readable index of all tools and their input/output schemas. The REST paths (`POST /v1/tools/{name}`) described here are a projection; they become functional only if the optional REST shim (Area 2 Path B) is deployed.
>
> To call tools today, connect via the official MCP client SDKs. TypeScript: `@modelcontextprotocol/sdk`. Python: `mcp`.
## Architecture
All tools run **entirely client-side** (browser JavaScript). Zero PII. Zero server calls after page load. Deterministic, reproducible outputs. Licensed CC BY 4.0.
OpenChainGraph v0.4 compute-binding nodes additionally run **server-side on the MCP Worker** and emit verifiable artifacts with `execution_hash` (WebCrypto SHA-256 over RFC 8785 canonical JSON).'
contact:
name: Post Oak Labs
url: https://postoaklabs.com
email: tim@postoaklabs.com
license:
name: CC BY 4.0
url: https://creativecommons.org/licenses/by/4.0/
servers:
- url: https://ainumbers.co
description: Static browser-based tool host (DreamHost). Tools run client-side — no REST gateway is active on this origin. See x-mcp for the live MCP endpoint.
tags:
- name: ccd2
paths:
/v1/tools/ccd2_scope_classifier:
post:
operationId: ccd2_scope_classifier
summary: CCD2 Scope Classifier
description: 'Classify a credit product as in-scope or exempt under CCD2 (Directive (EU) 2023/2225). Determines applicable obligation tier including BNPL and interest-free instalments newly brought into scope. EU regime — distinct from UK FCA BNPL rules. Rules apply from 20 Nov 2026.
**Tool URL:** https://ainumbers.co/tools/481-ccd2-scope-classifier.html
**AP2/Policy Mandate export:** yes'
tags:
- ccd2
requestBody:
required: true
content:
application/json:
schema:
type: object
properties:
product_type:
type: string
amount_eur:
type: number
duration_days:
type: integer
interest_bearing:
type: boolean
charges_present:
type: boolean
borrower_is_consumer:
type: boolean
secured_on_property:
type: boolean
required:
- product_type
- amount_eur
- borrower_is_consumer
responses:
'200':
description: Successful tool execution result
content:
application/json:
schema:
type: object
properties:
in_scope:
type: boolean
obligation_tier:
type: string
scope_basis:
type: string
obligations:
type: array
gaps:
type: array
x-mcp-tool-name: ccd2_scope_classifier
x-tool-url: https://ainumbers.co/tools/481-ccd2-scope-classifier.html
x-source: manifest
x-ap2-export: true
/v1/tools/ccd2_creditworthiness_assessment_builder:
post:
operationId: ccd2_creditworthiness_assessment_builder
summary: CCD2 Creditworthiness Assessment Builder
description: 'Build an Article 18 creditworthiness assessment framework under CCD2 (Directive (EU) 2023/2225). Validates forward-looking, verified-data requirements and proportionality. Flags reliance on behavioural-only signals (non-compliant). Cross-links EU AI Act cluster for automated-decision fairness. EU regime — distinct from UK FCA T330.
**Tool URL:** https://ainumbers.co/tools/482-ccd2-creditworthiness-assessment-builder.html
**AP2/Policy Mandate export:** yes'
tags:
- ccd2
requestBody:
required: true
content:
application/json:
schema:
type: object
properties:
amount_eur:
type: number
product_type:
type: string
income_verified:
type: boolean
expenses_verified:
type: boolean
existing_debts_checked:
type: boolean
database_consulted:
type: boolean
automated_only:
type: boolean
required:
- amount_eur
responses:
'200':
description: Successful tool execution result
content:
application/json:
schema:
type: object
properties:
assessment_verdict:
type: string
data_sufficiency:
type: boolean
gaps:
type: array
framework_steps:
type: array
x-mcp-tool-name: ccd2_creditworthiness_assessment_builder
x-tool-url: https://ainumbers.co/tools/482-ccd2-creditworthiness-assessment-builder.html
x-source: manifest
x-ap2-export: true
/v1/tools/ccd2_secci_precontractual_disclosure_generator:
post:
operationId: ccd2_secci_precontractual_disclosure_generator
summary: CCD2 SECCI Pre-contractual Disclosure Generator
description: 'Generate and validate a SECCI form checklist per CCD2 Annex II (Directive (EU) 2023/2225). Covers all mandatory disclosure fields: lender identity, credit amount, duration, APR, total repayable, optional insurance, early repayment rights, and right-of-withdrawal. Rules apply 20 Nov 2026.
**Tool URL:** https://ainumbers.co/tools/483-ccd2-secci-precontractual-disclosure-generator.html
**AP2/Policy Mandate export:** yes'
tags:
- ccd2
requestBody:
required: true
content:
application/json:
schema:
type: object
properties:
product_type:
type: string
credit_amount_eur:
type: number
apr:
type: number
duration_months:
type: number
total_repayable_eur:
type: number
includes_insurance:
type: boolean
required:
- credit_amount_eur
- apr
responses:
'200':
description: Successful tool execution result
content:
application/json:
schema:
type: object
description: Tool execution result payload
x-mcp-tool-name: ccd2_secci_precontractual_disclosure_generator
x-tool-url: https://ainumbers.co/tools/483-ccd2-secci-precontractual-disclosure-generator.html
x-source: manifest
x-ap2-export: true
/v1/tools/ccd2_readiness_scorer:
post:
operationId: ccd2_readiness_scorer
summary: CCD2 Readiness Scorer
description: 'Score organisation readiness for CCD2 (Directive (EU) 2023/2225) compliance across five domains: scope & product, creditworthiness (Art. 18), SECCI disclosure (Annex II), consumer rights, and governance. Applies 20 Nov 2026. Final stage in the CCD2 Consumer Credit workflow.
**Tool URL:** https://ainumbers.co/tools/484-ccd2-readiness-scorer.html
**AP2/Policy Mandate export:** yes'
tags:
- ccd2
requestBody:
required: true
content:
application/json:
schema:
type: object
properties:
scope_done:
type: boolean
creditworthiness_done:
type: boolean
secci_done:
type: boolean
consumer_rights_done:
type: boolean
governance_done:
type: boolean
responses:
'200':
description: Successful tool execution result
content:
application/json:
schema:
type: object
description: Tool execution result payload
x-mcp-tool-name: ccd2_readiness_scorer
x-tool-url: https://ainumbers.co/tools/484-ccd2-readiness-scorer.html
x-source: manifest
x-ap2-export: true
x-mcp:
transport: MCP JSON-RPC 2.0 (streamable HTTP)
endpoint: https://mcp.ainumbers.co/mcp
protocol_version: '2025-11-25'
authentication: none
registry: co.ainumbers/tools (official MCP registry)
note: Connect any MCP-compatible client (Claude, ChatGPT, custom agent) directly to this endpoint. The REST paths in this file are descriptive only — they do not exist on the live server unless the REST shim is deployed.