AINumbers.co Compensation Assessment API

openapi: 3.2.0
info:
  title: AINumbers.co Fintech Intelligence Suite Compensation…
  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: compensation_assessment
paths:
  /v1/tools/compare_solo401k_sep_simple:
    post:
      operationId: compare_solo401k_sep_simple
      summary: Solo 401(k) vs. SEP-IRA Optimizer
      description: 'Self-employed retirement-contribution comparator: the maximum Solo 401(k), SEP-IRA and SIMPLE IRA contribution under one dated set of IRS limits, each plan''s binding cap, a winner ranked by maximum contribution with a declared tie order, and the estimated tax saving at a caller-supplied marginal rate. The tax year is an explicit as_of input, never a clock. Money is integer cents with floor division. No Date, no floats, no network.


        **Tool URL:** https://ainumbers.co/chaingraph/art-764-solo-401k-vs-sep-ira.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - compensation_assessment
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - tax_year
              - net_income_usd_cents
              - age
              - marginal_rate_bp
              - existing_employer_plan
              - existing_deferrals_cents
              properties:
                tax_year:
                  type: integer
                  description: Four-digit tax year selecting the pinned IRS limit table (2026 only). An input, never a clock; other years are refused.
                net_income_usd_cents:
                  type: integer
                  description: Net self-employment profit in integer cents, 1..20000000000. Zero is refused (Apex silently defaulted 0 to 120000; DIFFERS D2).
                age:
                  type: integer
                  description: Age at end of tax year, 18..120. Decides the 414(v) and SECURE 2.0 catch-up bands; band edges pinned by boundary fixtures.
                marginal_rate_bp:
                  type: integer
                  description: Marginal rate in basis points of one, 0..10000 (2400 = 24%). Zero is honoured; Apex coerced 0 to 24% (DIFFERS D5).
                existing_employer_plan:
                  type: boolean
                  description: Boolean. Echoed and flagged, never used in the arithmetic (Apex read it and ignored it; DIFFERS D4).
                existing_deferrals_cents:
                  type: integer
                  description: Elective deferrals already made to an outside employer plan this year, 0..72000000; reduces 402(g) deferral room.
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                type: object
                description: 'output_payload: tax_year, net_income_usd_cents, self_employment_tax_base_usd_cents, self_employment_tax_usd_cents, half_se_tax_deduction_usd_cents, net_earnings_after_half_deduction_usd_cents, age, marginal_rate_bp, catchup_eligible, super_catchup_band, existing_employer_plan, existing_deferrals_cents, solo_401k{employee_deferral_usd_cents, catchup_usd_cents, employer_contribution_usd_cents, max_total_usd_cents, tax_savings_usd_cents, binding_caps{employee_deferral, employer_contribution, total}}, sep_ira{max_total_usd_cents, tax_savings_usd_cents, binding_caps{contribution}}, simple_ira{employee_usd_cents, employer_nonelective_usd_cents, max_total_usd_cents, tax_savings_usd_cents, binding_caps{employee}}, ranking[{plan, max_total_usd_cents}], winner, winner_tied, winner_tie_order, refusal_reason, domain_errors[], scope_note.'
      x-mcp-tool-name: compare_solo401k_sep_simple
      x-tool-url: https://ainumbers.co/chaingraph/art-764-solo-401k-vs-sep-ira.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.