---
title: "Payout Rail Cost & Finality Modeller"
method: POST
path: "/v1/tools/payout_rail_cost_finality_modeller"
---

# Payout Rail Cost & Finality Modeller

`POST /v1/tools/payout_rail_cost_finality_modeller`

## Request

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

Compare cost, speed, and finality across payment rails for B2B and platform payout use cases. ACH, RTP, FedNow, SEPA CT, SEPA Instant, FPS, SPEI, wire, virtual card. Outputs Policy Mandate JSON routing policy. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/147-payout-rail-cost-finality-modeller.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `amount` string
  - `juris` string
  - `urgency` string
  - `monthVol` string
  - `useCase` string
  - `wCost` string
  - `wSpeed` string
  - `wFinal` string
  - `wReach` 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)