---
title: "FBO Account Structure Simulator"
method: POST
path: "/v1/tools/fbo_account_structure_simulator"
---

# FBO Account Structure Simulator

`POST /v1/tools/fbo_account_structure_simulator`

## Request

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

Visual simulator for FBO account structures. Model omnibus vs. subledger architectures, pooled accounts, settlement timing, reserve logic, FDIC pass-through eligibility. Outputs operational risk score and Markdown architecture memo. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/153-fbo-account-structure-simulator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `acctType` string
  - `poolMethod` string
  - `userCount` string
  - `avgBal` string
  - `settlWindows` string
  - `fdicPct` string
  - `reservePct` string
  - `dormancyRate` string

## Response `200`

Successful tool execution result

- object

---

[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)