Tools Directory
Tools — Post Oak Labs Fintech Suite
Full directory of all fintech tools designed by Post Oak Labs — now hosted at AINumbers.co. Includes the Agentic Intelligence Suite and 27 open-source tools for A2A payments, CBDC, stablecoin infrastructure, and tokenized finance.
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Tool 01 · Fee & Route
A2A Fee Calculator + Route Optimizer
Compare card vs A2A rail costs and get a rule-based recommendation for the optimal payment route — FedNow, RTP, Same-Day ACH, or Next-Day ACH. Runs entirely in-browser — no data sent to servers.
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Tool 02 · ISO 20022
ISO 20022 Builder + Pilot Brief Generator
Hand-craft valid ISO 20022 pain.001.001.12 XML payment messages and generate an executive pilot brief with readiness checklist. Runs entirely in-browser — no data sent to servers.
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Tool 03 · Consent & Compliance
Consent Simulator + Compliance Auditor
Prototype OAuth 2.0/PKCE consent flows and audit scopes against PSD2, CFPB 1033, and GDPR. Runs entirely in-browser — no data sent to servers.
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Tool 04 · Fraud Scoring
Fraud Score Simulator + Explainability Panel
Demonstrate real-time A2A fraud scoring using transparent rule-based logic. Configurable rules engine with explainability panel — zero PII transmitted, runs entirely in-browser.
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Tool 05 · Invoice Suite
Invoice-to-A2A Tooling Suite
Parse invoices into Pay-by-Bank links and reconcile A2A payments against invoices. Client-side only — no data sent to servers, zero PII transmitted.
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Tool 06 · FedNow
FedNow Participant Lookup + Coverage Stats
Search FedNow-participating financial institutions by name, routing number, state, or send/receive capability. Coverage stats, CSV export. Client-side only — no data sent to servers.
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Tool 07 · ACH / NACHA
ACH/NACHA File Validator + Return Code Decoder
Validate ACH/NACHA flat files and decode NACHA return codes client-side. R01–R85 return code decoder with action guidance — zero PII transmitted, runs entirely in-browser.
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Tool 08 · Pay by Bank
Pay-by-Bank Checkout Prototyper + Conversion Insights
Prototype a merchant Pay-by-Bank checkout flow across 5 screens, overlay conversion friction insights at each step, and share your prototype via URL. Client-side only — zero PII transmitted.
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Tool 09 · Reconciliation
A2A Reconciliation Workbench + Reference Generator
Auto-match bank statements to ledgers and generate ISO 20022 End-to-End IDs, NACHA Individual IDs, and SEPA CRF references. Client-side only — zero PII transmitted.
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Tool 10 · Open Banking API
Open Banking API Explorer + Rate Limit Simulator
Explore mock Open Banking and CFPB 1033 API responses, compare UK vs US formats, and simulate rate limit throttling with retry code generation. Zero PII, runs entirely in-browser.
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Tool 11 · VRP / SEPA
VRP Mandate Builder + SEPA Validator
Draft UK CVRP mandates and validate SEPA credit transfers client-side. MOD-97 IBAN check, BIC validation, SCT Inst limits, pain.001 XML snippet — zero PII transmitted.
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Tool 12 · Benchmarking
A2A Fee Benchmarking Report Builder
Generate a 1-page printable executive report comparing your current payment costs vs. A2A alternatives — FedNow, RTP, Same-Day ACH, and Next-Day ACH. Client-side only — zero PII transmitted.
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Tool 13 · Journey Mapper
Payment Journey Mapper + Failure Points Overlay
Visualize end-to-end A2A payment flows for FedNow, ACH, UK Open Banking, and SEPA Instant. Overlay failure points and mitigations. Client-side only — zero PII transmitted.
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Tool 14 · Ops Dashboard
Real-Time Ops Dashboard Template
Configurable mock real-time A2A payment ops dashboard. Monitor FedNow, RTP, ACH, SEPA Instant SLAs, latency, TPM, and failure rates. Client-side only — zero PII transmitted.
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Tool 15 · Test Data
Synthetic A2A Test Data Generator
Generate realistic synthetic A2A payment datasets for testing pipelines. Deterministic seed-based PRNG, configurable failure and duplicate rates, CSV and JSON export. Client-side only — zero PII.
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Tool 16 · IBAN / BIC
IBAN Validator + BIC Lookup + SEPA Reachability
Validate IBANs, parse bank components, check BIC structure, and verify SEPA reachability. Free, runs entirely in-browser — no data sent to servers, zero data transmitted.
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Tool 17 · Payment Limits
Instant Payment Limits Reference + Rail Comparator
Comprehensive reference for transaction limits, cut-off times, and rules across A2A rails: FedNow, RTP, ACH, Faster Payments, SEPA Instant, PIX, UPI, PayID. Compare rails side-by-side. Zero PII, client-side only.
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Tool 18 · Compliance
A2A Compliance Checklist Generator
Generate jurisdiction-specific compliance checklists for A2A product launches. Covers licensing, AML/KYC, data privacy, consumer protection, error resolution, and fraud monitoring. Client-side only — zero PII.
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19 · Advisory
Nostro/Vostro A2A ROI Memo Generator
Generate a ready-to-paste executive memo quantifying working capital savings of migrating from correspondent banking to tokenized A2A rails. Client-side only, zero PII.
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20 · Payment Operations
A2A Payment Failure Analyser + RCA Generator
Paste NACHA return codes or open banking error codes and receive a structured root-cause analysis report with recovery recommendations. Client-side only, zero PII.
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21 · Reference
Emerging Market A2A Corridor Cheat Sheet
Structured reference for 30+ emerging market payment corridors covering rail availability, FX volatility, regulatory status, and settlement speed. Client-side only.
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22 · Validation
Payment Decline Code Decoder & Recovery Guide
Look up any card or A2A payment decline code across Visa, Mastercard, NACHA, SEPA, and FedNow with recovery guidance per code. Client-side only, zero PII.
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23 · Benchmarking
Cross-Border Corridor Savings Calculator
Calculate real cost savings of switching from SWIFT correspondent banking to A2A direct rails for a specific cross-border corridor. Client-side only, zero PII.
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24 · Payment Operations
Subscription Churn Analyzer: Card vs A2A/VRP
Quantify the ROI of migrating subscription payments from card-on-file to A2A Variable Recurring Payments. Client-side only, zero PII.
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25 · ISO 20022
ISO 20022 Payment Reference Generator
Generate valid ISO 20022 End-to-End IDs, UETR UUIDs, NACHA Individual IDs, and SEPA reference strings. Client-side only, zero PII.
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26 · CBDC
CBDC / Stablecoin Treasury Sandbox
Simulate wholesale CBDC and stablecoin treasury flows — mint, burn, transfer, and redemption cycles — against configurable reserve and collateral rules. Client-side only.
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27 · Reference
A2A Settlement Finality Comparator
Compare settlement finality rules, irrevocability windows, and dispute timelines across FedNow, RTP, ACH, SEPA Instant, PIX, and UPI. Client-side only.
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28 · Reference
PayCode Decoder
Instant plain-English explanations for any payment code — ISO 20022 message types, SWIFT MT, ACH return codes (R01–R85), FedNow, SEPA, IBAN, BIC, UETR, and ISO 4217 currency codes. MT↔MX field mapping, flow diagrams, and test XML. Client-side only, zero PII.
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