AINumbers.co NACHA API
The NACHA API from AINumbers.co — 4 operation(s) for nacha.
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OpenAPI Specification
openapi: 3.2.0
info:
title: AINumbers.co Fintech Intelligence Suite NACHA 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: NACHA
paths:
/v1/tools/check_nacha_ach_compliance:
post:
operationId: check_nacha_ach_compliance
summary: NACHA ACH Rule Compliance Checker
description: 'Check ACH programme configurations against NACHA Operating Rules §2–§9. March 2026 Fraud Monitoring rules embedded. Outputs compliance status per section, return code reference, Markdown memo, and AP2 JSON compliance mandate.
**Tool URL:** https://ainumbers.co/tools/224-nacha-ach-rule-compliance-checker.html
**AP2/Policy Mandate export:** yes'
tags:
- NACHA
requestBody:
required: true
content:
application/json:
schema:
type: object
properties:
org_role:
type: string
sec_code:
type: string
monthly_volume:
type: string
uses_same_day_ach:
type: string
data_security_encryption:
type: string
required:
- org_role
- sec_code
responses:
'200':
description: Successful tool execution result
content:
application/json:
schema:
type: object
properties:
overall_status:
type: string
enum:
- compliant
- review_required
- non_compliant
sections_checked:
type: integer
compliant_count:
type: integer
review_required_count:
type: integer
non_compliant_count:
type: integer
sections:
type: array
items:
type: object
ap2_mandate:
type: object
x-mcp-tool-name: check_nacha_ach_compliance
x-tool-url: https://ainumbers.co/tools/224-nacha-ach-rule-compliance-checker.html
x-source: manifest
x-ap2-export: true
/v1/tools/build_ach_fraud_monitoring_procedures:
post:
operationId: build_ach_fraud_monitoring_procedures
summary: ACH Fraud Monitoring Procedure Builder
description: 'Nacha Phase 2 (effective 2026-06-22): generates role-specific credit-entry fraud monitoring procedures, risk-based tiering worksheet, and annual-review schedule for Originators, TPSPs, TPSs, ODFIs, and RDFIs. Policy Mandate export. Zero PII.
**Tool URL:** https://ainumbers.co/tools/492-ach-fraud-monitoring-procedure-builder.html
**AP2/Policy Mandate export:** yes'
tags:
- NACHA
requestBody:
required: true
content:
application/json:
schema:
type: object
properties:
roles:
type: array
description: 'ACH participant roles: Originator, TPSP, TPS, ODFI, RDFI'
volume_tier:
type: string
description: 'Annual credit entry volume tier: low, mid, high'
annual_credit_volume:
type: number
description: Annual credit entry dollar volume
risk_appetite:
type: string
description: 'Risk appetite: conservative, moderate, aggressive'
required:
- roles
responses:
'200':
description: Successful tool execution result
content:
application/json:
schema:
type: object
properties:
required_procedures:
type: array
risk_tier:
type: string
review_schedule:
type: object
x-mcp-tool-name: build_ach_fraud_monitoring_procedures
x-tool-url: https://ainumbers.co/tools/492-ach-fraud-monitoring-procedure-builder.html
x-source: manifest
x-ap2-export: true
/v1/tools/simulate_ach_false_pretenses_scenario:
post:
operationId: simulate_ach_false_pretenses_scenario
summary: ACH False-Pretenses Credit-Entry Simulator
description: 'Simulates Nacha Phase 2 false-pretenses credit-entry fraud scenarios (vendor impersonation, payroll redirect, BEC, account takeover, insider fraud), maps triggered rule obligations by role, and models the funds-recovery path. Zero PII.
**Tool URL:** https://ainumbers.co/tools/493-ach-false-pretenses-credit-entry-simulator.html
**AP2/Policy Mandate export:** yes'
tags:
- NACHA
requestBody:
required: true
content:
application/json:
schema:
type: object
properties:
scenario:
type: string
description: 'Fraud scenario: vendor_impersonation, payroll_redirect, bec_wire_redirect, account_takeover, insider_credit_fraud'
entry_class:
type: string
description: 'ACH entry class: CCD, CTX, PPD, WEB'
amount_usd:
type: number
description: Credit entry amount in USD
discovered_timing:
type: string
description: 'When fraud discovered: same_day, next_day, t2_t5, after_t5'
required:
- scenario
responses:
'200':
description: Successful tool execution result
content:
application/json:
schema:
type: object
properties:
obligations:
type: array
recovery_path:
type: object
recovery_likelihood:
type: string
x-mcp-tool-name: simulate_ach_false_pretenses_scenario
x-tool-url: https://ainumbers.co/tools/493-ach-false-pretenses-credit-entry-simulator.html
x-source: manifest
x-ap2-export: true
/v1/tools/generate_ach_fraud_monitoring_audit_pack:
post:
operationId: generate_ach_fraud_monitoring_audit_pack
summary: ACH Fraud Monitoring Audit Pack Generator
description: 'Generates a role-specific Nacha Phase 2 fraud monitoring evidence checklist and Markdown audit binder for the ''at least annually'' review requirement (effective 2026-06-22). Interactive in-browser checklist with satisfied/gap marking, Policy Mandate export.
**Tool URL:** https://ainumbers.co/tools/494-ach-fraud-monitoring-audit-pack-generator.html
**AP2/Policy Mandate export:** yes'
tags:
- NACHA
requestBody:
required: true
content:
application/json:
schema:
type: object
properties:
roles:
type: array
description: 'ACH participant roles to audit: Originator, TPSP, TPS, ODFI, RDFI'
reviewer_type:
type: string
description: 'Reviewer type: internal_audit, compliance_team, external_auditor, self_assessment'
prior_gaps:
type: string
description: Prior year open items or N/A
required:
- roles
responses:
'200':
description: Successful tool execution result
content:
application/json:
schema:
type: object
properties:
checklist:
type: array
gaps_identified:
type: array
completeness_pct:
type: number
x-mcp-tool-name: generate_ach_fraud_monitoring_audit_pack
x-tool-url: https://ainumbers.co/tools/494-ach-fraud-monitoring-audit-pack-generator.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.