AINumbers.co NAIC API

openapi: 3.2.0
info:
  title: AINumbers.co Fintech Intelligence Suite NAIC 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: NAIC
paths:
  /v1/tools/calculate_naic_rbc_ratio:
    post:
      operationId: calculate_naic_rbc_ratio
      summary: NAIC Risk-Based Capital (RBC) Ratio Calculator
      description: 'Calculate a simplified NAIC Risk-Based Capital (RBC) ratio for a US property/casualty insurer using standard formula components R0–R5, the covariance square-root aggregation, Authorized Control Level RBC, and the four NAIC action level thresholds (CAL/RAL/ACL/MCL). Simplified standard formula — indicative. Client-side. Works offline. Zero PII.


        **Tool URL:** https://ainumbers.co/tools/457-naic-rbc-calculator.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - NAIC
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - surplus
              - admittedDebt
              - r1Base
              - r1Rate
              - r4Base
              - r5Base
              - lineSelect
              properties:
                surplus:
                  type: number
                admittedDebt:
                  type: number
                capAdj:
                  type: number
                r0Base:
                  type: number
                r1Base:
                  type: number
                r1Rate:
                  type: number
                r2Base:
                  type: number
                r3Base:
                  type: number
                r3Rate:
                  type: number
                r4Base:
                  type: number
                r5Base:
                  type: number
                lineSelect:
                  type: string
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                type: object
                properties:
                  rbc_ratio_pct:
                    type: number
                    description: RBC ratio (%)
                  authorized_control_level_rbc:
                    type: number
                    description: Authorized Control Level RBC (USD M)
                  rbc_after_covariance:
                    type: number
                    description: RBC after covariance adjustment (USD M)
                  rbc_before_covariance:
                    type: number
                    description: Sum of R0–R5 charges before covariance (USD M)
                  total_adjusted_capital:
                    type: number
                    description: Total Adjusted Capital (USD M)
                  action_level:
                    type: string
                    enum:
                    - NONE
                    - CAL
                    - RAL
                    - ACL
                    - MCL
      x-mcp-tool-name: calculate_naic_rbc_ratio
      x-tool-url: https://ainumbers.co/tools/457-naic-rbc-calculator.html
      x-source: manifest
      x-ap2-export: true
  /v1/tools/calculate_naic_clo_rbc_factor:
    post:
      operationId: calculate_naic_clo_rbc_factor
      summary: NAIC CLO/CBO/CDO Tranche RBC Factor Calculator
      description: 'Recomputes the NAIC Life RBC per-tranche capital charge for CLO/CBO/CDO bond tranches against the LR002 Column (2) "CLOs/CBOs/CDOs" factor grid adopted by the RBC Investment Risk & Evaluation (E) Working Group (Proposal 2026-12-IRE, effective for YE2026 filings), including the flat 11.77% BSL thin-tranche surcharge. Sums per-tranche requirements into a portfolio total. Verify-only: recomputes a prescribed charge from declared inputs, never asserts filing compliance.


        **Tool URL:** https://ainumbers.co/tools/618-naic-clo-rbc-factor-calculator.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - NAIC
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - tranches
              properties:
                tranches:
                  type: array
                  description: Array of {naic_designation, bsl_thin_tranche, tranche_thickness_pct, book_adjusted_carrying_value}
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                type: object
                properties:
                  tranches:
                    type: array
                  portfolio_total_bacv:
                    type: number
                  portfolio_total_rbc_requirement:
                    type: number
                  tranche_count:
                    type: number
                  naic_clo_rbc_factor_vintage:
                    type: string
      x-mcp-tool-name: calculate_naic_clo_rbc_factor
      x-tool-url: https://ainumbers.co/tools/618-naic-clo-rbc-factor-calculator.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.