---
title: "T259 · AP2 Real-Time Payments Policy Builder — AINumbers.co"
method: POST
path: "/v1/tools/ap2_rtp_policy_builder"
---

# T259 · AP2 Real-Time Payments Policy Builder — AINumbers.co

`POST /v1/tools/ap2_rtp_policy_builder`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/ap2_rtp_policy_builder`
- Auth: none declared

Translate real-time payment operational rules, fraud thresholds, and compliance obligations into a validated Policy Mandate JSON for agentic payment systems. Configure rail eligibility, fraud velocity, liquidity triggers, settlement preferences, and escalation conditions. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/259-ap2-rtp-policy-builder.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `rail_eligibility` object, required
    - `enabled_rails` string[], required
    - `min_payment_usd` number
    - `max_payment_usd` number
    - `international_payments` boolean
    - `credit_push_only` boolean
    - `always_on_247` boolean
  - `fraud_velocity_thresholds` object
    - `max_transactions_per_customer_per_hour` integer
    - `max_amount_per_customer_per_hour_usd` number
    - `max_transactions_per_device_per_15min` integer
    - `auto_allow_below_usd` number
    - `manual_review_above_usd` number
    - `auto_block_above_usd` number
    - `mule_detection_enabled` boolean
    - `new_account_age_days` integer
    - `first_time_payee_max_usd` number
    - `fraud_classifier_v1` 'required' | 'optional' | 'na'
  - `liquidity_buffer_triggers` object
    - `alert_at_pct` integer
    - `auto_pause_at_pct` integer
    - `emergency_at_pct` integer
    - `resume_at_pct` integer
    - `on_alert_action` string
    - `on_pause_action` string
    - `on_emergency_action` string
  - `settlement_window_preferences` object
    - `primary_rail` string
    - `secondary_rail` string
    - `sla_preference` 'speed' | 'balanced' | 'cost'
    - `consumer_rail` string
    - `b2b_rail` string
    - `payroll_rail` string
    - `off_hours_action` string
  - `escalation_conditions` object
    - `triggers` string[]
    - `escalation_sla_minutes` integer
    - `escalation_channel` 'queue' | 'email' | 'slack' | 'phone'
    - `sla_breach_action` string

## Response `200`

Successful tool execution result

- object
  - `mandate_id` string, uuid, required
  - `mandate_type` 'payment_policy', required
  - `jurisdiction` string[]
  - `payload` object, required
    - `rail_eligibility` object
    - `fraud_velocity_thresholds` object
    - `liquidity_buffer_triggers` object
    - `settlement_window_preferences` object
    - `escalation_conditions` object
    - `validation_result` object
      - `valid` boolean
      - `error_count` integer
      - `warning_count` integer
      - `errors` string[]
      - `warnings` string[]
  - `agent_instructions` string[], required

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)