AINumbers.co instant payments API

openapi: 3.2.0
info:
  title: AINumbers.co Fintech Intelligence Suite instant payments 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: instant payments
paths:
  /v1/tools/lookup_instant_payment_limits:
    post:
      operationId: lookup_instant_payment_limits
      summary: Instant Payment Limits Reference + Rail Comparator
      description: 'Reference table of transaction limits, availability, settlement finality, and participant counts for all major instant payment rails globally (FedNow, RTP, SEPA Instant, Faster Payments, PIX, UPI, and more). Filter and compare up to four rails.


        **Tool URL:** https://ainumbers.co/tools/17-instant-payment-limits.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - instant payments
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                region:
                  type: string
                currency:
                  type: string
                compareIds:
                  type: array
                  items:
                    type: string
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                type: object
                properties:
                  rail_count:
                    type: number
                  filtered_count:
                    type: number
                  compare_rails:
                    type: array
                    items:
                      type: object
      x-mcp-tool-name: lookup_instant_payment_limits
      x-tool-url: https://ainumbers.co/tools/17-instant-payment-limits.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.