AINumbers.co Escrow API

openapi: 3.2.0
info:
  title: AINumbers.co Fintech Intelligence Suite Escrow 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: escrow
paths:
  /v1/tools/audit_borrower_escrow_stmt:
    post:
      operationId: audit_borrower_escrow_stmt
      summary: Borrower Escrow Statement Auditor
      description: 'Audits a servicer escrow accounting statement from borrower-supplied values only: recomputes the aggregate accounting trial running balance month by month, compares the servicer stated end-of-month balances line by line, flags each discrepant line, checks the stated cushion against the one-sixth-of-annual-disbursements cap, and classifies the recomputed account as balanced, shortage, surplus, or deficiency. Identifier-like fields are refused, never echoed; over 12 monthly periods is refused.


        **Tool URL:** https://ainumbers.co/chaingraph/732-borrower-escrow-auditor.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - escrow
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - starting_balance
              - monthly_payments
              - disbursements
              - stated_balances
              properties:
                starting_balance:
                  type: number
                  description: Stated opening escrow balance at the start of the computation year, in dollars. Required.
                monthly_payments:
                  type: array
                  items:
                    type: number
                  description: Stated monthly escrow deposit values, one per month, at most 12 entries. Values only - never dates or identifiers.
                disbursements:
                  type: array
                  items:
                    type: number
                  description: Stated monthly escrow disbursement values, one per month, at most 12 entries. Values only.
                stated_balances:
                  type: array
                  items:
                    type: number
                  description: The servicer statement end-of-month balance values, one per month. Compared line by line against the recomputation.
                stated_cushion:
                  type: number
                  description: 'Optional: the servicer stated/target cushion amount. Checked against the one-sixth cap when supplied.'
                borrower_current:
                  type: boolean
                  description: 'Optional: whether the borrower is current at analysis time. A refund-band surplus without it holds the audit for manual review.'
                monthly_escrow_payment:
                  type: number
                  description: 'Optional: the borrower''s monthly escrow payment in dollars, the base for the one-month shortage threshold. Defaults to the mean of monthly_payments.'
                servicer_chosen_course:
                  type: string
                  enum:
                  - do_nothing
                  - repay_within_30_days
                  - repay_equal_monthly_12_plus_months
                  description: 'Optional: the course the servicer chose: do_nothing, repay_within_30_days or repay_equal_monthly_12_plus_months. Reported as permitted or not.'
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                type: object
                properties:
                  verdict:
                    type: string
                  account_status:
                    type:
                    - string
                    - 'null'
                  periods_analyzed:
                    type: integer
                  recomputed_balances:
                    type: array
                    items:
                      type: number
                  recomputed_low_point:
                    type: number
                  target_low_point:
                    type: number
                  total_annual_disbursements:
                    type: number
                  cushion_cap_amount:
                    type: number
                  stated_cushion:
                    type:
                    - number
                    - 'null'
                  cushion_within_cap:
                    type:
                    - boolean
                    - 'null'
                  shortage_amount:
                    type: number
                  surplus_amount:
                    type: number
                  shortage_threshold_base:
                    type: number
                  shortage_threshold_base_source:
                    type: string
                  shortage_at_or_above_one_month_payment:
                    type:
                    - boolean
                    - 'null'
                  shortage_permitted_courses:
                    type: array
                    items:
                      type: string
                  servicer_course_permitted:
                    type:
                    - boolean
                    - 'null'
                  surplus_refund_required:
                    type: boolean
                  surplus_refund_unverified:
                    type: boolean
                  discrepancies:
                    type: object
                  evidence:
                    type: object
                  manual_review_required:
                    type: boolean
      x-mcp-tool-name: audit_borrower_escrow_stmt
      x-tool-url: https://ainumbers.co/chaingraph/732-borrower-escrow-auditor.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.