---
title: "T255 · FedNow Participation Readiness Scorer — AINumbers.co"
method: POST
path: "/v1/tools/fednow_participation_readiness_scorer"
---

# T255 · FedNow Participation Readiness Scorer — AINumbers.co

`POST /v1/tools/fednow_participation_readiness_scorer`

## Request

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

Score institution readiness against 47 FedNow technical and operational participation requirements across 6 domains. Outputs gap checklist, implementation roadmap, and Policy Mandate JSON. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/255-fednow-participation-readiness-scorer.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `institution_type` 'community-bank' | 'credit-union' | 'regional-bank' | 'large-bank' | 'non-bank-psp' | 'core-vendor', required: Type of financial institution seeking FedNow participation
  - `core_banking_system` 'jack-henry' | 'fis' | 'fiserv' | 'temenos' | 'thought-machine' | 'ncr' | 'inhouse' | 'other': Core banking platform — used to contextualise integration complexity
  - `connectivity_type` 'fedline-direct' | 'fedline-command' | 'fedline-web' | 'passthrough' | 'tbd': Planned FedNow connectivity method
  - `item_statuses` object, required: Map of requirement IDs to completion status. Keys: cbc1–cbc8, iso1–iso8, fraud1–fraud8, liq1–liq8, dispute1–dispute7, sla1–sla8.

## Response `200`

Successful tool execution result

- object
  - `overall_readiness_pct` number, required: Weighted readiness score as a percentage of 47 requirements
  - `readiness_tier` 'Ready to Launch' | 'Near Ready' | 'In Progress' | 'Early Stage' | 'Pre-Planning', required
  - `domain_scores` object: Per-domain readiness percentage scores keyed by domain ID
    - `cbc_readiness_pct` number
    - `iso_readiness_pct` number
    - `fraud_readiness_pct` number
    - `liq_readiness_pct` number
    - `dispute_readiness_pct` number
    - `sla_readiness_pct` number
  - `gap_count_total` integer, required: Total number of incomplete requirements
  - `gaps_not_started` integer: Requirements with status 'no'
  - `gaps_partial` integer: Requirements with status 'partial'
  - `top_open_gap_ids` string[]: IDs of up to 8 most critical open gaps
  - `agent_instructions` string[], required: Ordered remediation actions for an agent or programme manager
  - `ap2_mandate` object, required: Full Mandato de Política mandate object — ap2_version 1.0, mandate_type payment_policy

---

[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)