AINumbers.co Synthetic Identity API

openapi: 3.2.0
info:
  title: AINumbers.co Fintech Intelligence Suite Synthetic Identity…
  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: synthetic-identity
paths:
  /v1/tools/score_synthetic_identity_fraud_risk:
    post:
      operationId: score_synthetic_identity_fraud_risk
      summary: Synthetic Identity Fraud Risk Scorer
      description: 'Pre-application synthetic identity risk scoring across 7 structural identity attributes (SSN age consistency, credit file age, address tenure, account velocity, phone age, device anomaly). Returns composite score, risk tier, signal breakdown, and CIP enhancement steps. FRB SR 2022 · FinCEN FIN-2021-A003. Client-side. Works offline. Zero PII.


        **Tool URL:** https://ainumbers.co/tools/321-synthetic-identity-fraud-scorer.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - synthetic-identity
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                ssn_issue_year:
                  type: integer
                applicant_age:
                  type: integer
                credit_file_age_months:
                  type: integer
                address_tenure_months:
                  type: integer
                new_account_velocity_90d:
                  type: integer
                phone_age_months:
                  type: integer
                device_anomaly_flag:
                  type: boolean
              required:
              - ssn_issue_year
              - applicant_age
              - credit_file_age_months
              - address_tenure_months
              - new_account_velocity_90d
              - phone_age_months
              - device_anomaly_flag
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                type: object
                properties:
                  score:
                    type: integer
                    minimum: 0
                    maximum: 100
                  tier:
                    type: string
                    enum:
                    - Low
                    - Moderate
                    - High
                    - Reject
                  signals:
                    type: array
                  cipSteps:
                    type: array
                    items:
                      type: string
      x-mcp-tool-name: score_synthetic_identity_fraud_risk
      x-tool-url: https://ainumbers.co/tools/321-synthetic-identity-fraud-scorer.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.