AINumbers.co Prefunding API

openapi: 3.2.0
info:
  title: AINumbers.co Fintech Intelligence Suite Prefunding 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: prefunding
paths:
  /v1/tools/schedule_realtime_rail_prefunding:
    post:
      operationId: schedule_realtime_rail_prefunding
      summary: Real-Time Rail Prefunding Scheduler
      description: 'Prefunding schedule builder for FedNow, RTP, and SEPA Instant (prefunding-required rails only). Returns 24-row hourly net position table, minimum opening balance recommendation, predicted top-up windows, daily and annualised idle capital cost, and three-rail comparison. BCBS 248 facility sizing for credit-based rails is in T258 (Cat-21). Client-side. Works offline. Zero PII.


        **Tool URL:** https://ainumbers.co/tools/324-realtime-rail-prefunding-scheduler.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - prefunding
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                rail:
                  type: string
                  enum:
                  - FedNow
                  - RTP
                  - SEPA-Instant
                daily_volume_value_m:
                  type: number
                outgoing_timing_profile:
                  type: string
                incoming_timing_profile:
                  type: string
                opening_balance_m:
                  type: number
                opportunity_cost_rate_pct:
                  type: number
                intraday_topup_threshold_pct:
                  type: number
              required:
              - rail
              - daily_volume_value_m
              - outgoing_timing_profile
              - incoming_timing_profile
              - opening_balance_m
              - opportunity_cost_rate_pct
              - intraday_topup_threshold_pct
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                type: object
                properties:
                  rail:
                    type: string
                  rows:
                    type: array
                    description: 24 hourly schedule rows
                  minOpeningBalance:
                    type: number
                  topupWindows:
                    type: array
                  dailyIdleCost:
                    type: number
                  annualIdleCost:
                    type: number
                  railComparison:
                    type: object
      x-mcp-tool-name: schedule_realtime_rail_prefunding
      x-tool-url: https://ainumbers.co/tools/324-realtime-rail-prefunding-scheduler.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.