AINumbers.co Combined Ratio API

openapi: 3.2.0
info:
  title: AINumbers.co Fintech Intelligence Suite Combined Ratio 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: combined-ratio
paths:
  /v1/tools/analyze_pc_combined_ratio:
    post:
      operationId: analyze_pc_combined_ratio
      summary: P&C Combined Ratio Analyzer & Benchmarker
      description: 'Compute Loss Ratio, Expense Ratio, and Combined Ratio for a P&C insurer from premium, loss, and expense inputs, and benchmark against published industry medians (AM Best 2024/2025, NAIC 2024) by line of business with colour-coded adequacy zones and NAIC IRIS ratio context. Client-side. Works offline. Zero PII.


        **Tool URL:** https://ainumbers.co/tools/455-pc-combined-ratio-analyzer.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - combined-ratio
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - lob
              - earnedPremium
              - incurredLosses
              - uwExpenses
              properties:
                lob:
                  type: string
                earnedPremium:
                  type: number
                writtenPremium:
                  type: number
                incurredLosses:
                  type: number
                lae:
                  type: number
                uwExpenses:
                  type: number
                acqCosts:
                  type: number
                basis:
                  type: string
                invYield:
                  type: number
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                type: object
                properties:
                  loss_ratio_pct:
                    type: number
                    description: (Incurred losses + LAE) / earned premium x 100
                  expense_ratio_pct:
                    type: number
                    description: Underwriting expenses / written or earned premium x 100
                  combined_ratio_pct:
                    type: number
                    description: Loss ratio + expense ratio
                  operating_ratio_pct:
                    type:
                    - number
                    - 'null'
                    description: Combined ratio - investment yield % (illustrative; null if no yield)
                  adequacy_zone:
                    type: string
                    enum:
                    - green
                    - amber
                    - red
                  naic_iris_flag:
                    type: boolean
                    description: True when combined ratio exceeds the 115% NAIC IRIS screening threshold
                  benchmark_median_combined_pct:
                    type:
                    - number
                    - 'null'
      x-mcp-tool-name: analyze_pc_combined_ratio
      x-tool-url: https://ainumbers.co/tools/455-pc-combined-ratio-analyzer.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.