AINumbers.co interest accrual API

openapi: 3.2.0
info:
  title: AINumbers.co Fintech Intelligence Suite interest accrual 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: interest accrual
paths:
  /v1/tools/compute_interest_accrual_recompute:
    post:
      operationId: compute_interest_accrual_recompute
      summary: Interest Accrual Recompute
      description: 'Recomputes per-day interest accrual from caller-supplied daily principal balances and product terms (day-count convention, compounding basis, fixed or tiered rate), then diffs the recomputed cumulative accrual against the core''s own posted accrual/interest-paid ledger entries at each of the core''s own posting dates. Returns MATCHES, DIVERGES with the first divergent date and cent amount, or INDETERMINATE when no core postings exist to diff against. Day-count convention and compounding basis are caller-declared contract terms, never inferred. An independent recompute-and-receipt over your own declared inputs, not an audit of or substitution for any core platform, and not a claim about which convention a core should use.


        **Tool URL:** https://ainumbers.co/tools/661-interest-accrual-recompute.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - interest accrual
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - daily_balances
              - core_reported_accruals
              - product_terms
              properties:
                daily_balances:
                  type: array
                core_reported_accruals:
                  type: array
                product_terms:
                  type: object
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                type: object
                properties:
                  valid_input:
                    type: boolean
                  domain_errors:
                    type: array
                  schedule:
                    type: array
                    description: Per-day recomputed accrual with running cumulative totals.
                  total_recomputed_accrual_cents:
                    type: integer
                  core_reported_total_cents:
                    type: integer
                  verdict:
                    type: string
                    enum:
                    - MATCHES
                    - DIVERGES
                    - INDETERMINATE
                  first_divergence:
                    type:
                    - object
                    - 'null'
                    description: '{date, diff_cents} at the first checkpoint where recomputed and core-reported cumulative totals diverge.'
      x-mcp-tool-name: compute_interest_accrual_recompute
      x-tool-url: https://ainumbers.co/tools/661-interest-accrual-recompute.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.