AINumbers.co Interchange API

openapi: 3.2.0
info:
  title: AINumbers.co Fintech Intelligence Suite Interchange 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: interchange
paths:
  /v1/tools/test_interchange_qualification:
    post:
      operationId: test_interchange_qualification
      summary: Visa/MC Interchange Qualification Tester
      description: 'Simulates interchange category qualification for Visa and Mastercard US domestic transactions. Covers Visa CPS/Standard/EIRF and MC Merit I/III/Enhanced Best. Outputs qualified tier, estimated rate, optimisation checks, and AP2 JSON interchange policy.


        **Tool URL:** https://ainumbers.co/tools/225-visa-mc-interchange-qualification-tester.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - interchange
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                card_brand:
                  type: string
                card_type:
                  type: string
                transaction_amount_usd:
                  type: number
                channel:
                  type: string
                avs_result:
                  type: string
                same_day_batch:
                  type: string
              required:
              - card_brand
              - transaction_amount_usd
              - channel
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                type: object
                properties:
                  qualified_tier:
                    type: string
                  interchange_rate_pct:
                    type: number
                  interchange_cents:
                    type: number
                  estimated_interchange_cost_usd:
                    type: number
                  effective_rate_pct:
                    type: number
                  ap2_mandate:
                    type: object
      x-mcp-tool-name: test_interchange_qualification
      x-tool-url: https://ainumbers.co/tools/225-visa-mc-interchange-qualification-tester.html
      x-source: manifest
      x-ap2-export: true
  /v1/tools/optimise_card_economics:
    post:
      operationId: optimise_card_economics
      summary: Merchant Card Economics Optimizer
      description: 'Four-stage card cost analysis: merchant profile → MCC intelligence & chargeback risk → interchange optimisation (VDCAP, surcharging, LCR, A2A) → CFO memo generation. Outputs total savings breakdown and AP2 cost optimisation mandate.


        **Tool URL:** https://ainumbers.co/tools/85-card-economics-optimizer.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - interchange
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - annualRevenue
              - avgTransaction
              - pricingModel
              properties:
                annualRevenue:
                  type: number
                avgTransaction:
                  type: number
                pricingModel:
                  type: string
                mccCode:
                  type: string
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                type: object
                properties:
                  blended_interchange_rate:
                    type: number
                  current_annual_cost:
                    type: number
                  optimized_annual_cost:
                    type: number
                  total_annual_savings:
                    type: number
                  vdcap_compliant:
                    type: boolean
      x-mcp-tool-name: optimise_card_economics
      x-tool-url: https://ainumbers.co/tools/85-card-economics-optimizer.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.