---
title: "T256 · Real-Time Payment Fraud Velocity Rule Builder — AINumbers.co"
method: POST
path: "/v1/tools/rtp_fraud_velocity_rule_builder"
---

# T256 · Real-Time Payment Fraud Velocity Rule Builder — AINumbers.co

`POST /v1/tools/rtp_fraud_velocity_rule_builder`

## Request

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

Configure fraud velocity rules within the sub-second RTP authorisation window. Covers mule detection, reverse-push patterns, velocity thresholds for FedNow/RTP/PIX/Faster Payments, rule conflict detection, latency budget analysis, and Policy Mandate JSON RTP fraud policy. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/256-rtp-fraud-velocity-rule-builder.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `rail` 'fednow' | 'rtp' | 'fps' | 'pix' | 'sepa_inst' | 'paynow', required: Target real-time payment rail
  - `latency_budget_ms` 250 | 500 | 750 | 1000, required: Maximum permissible latency for the entire rule set in the authorisation path
  - `rules` object[], required: Array of fraud velocity rules to evaluate
    - `type` 'velocity_count' | 'velocity_amount' | 'mule_detection' | 'reverse_push' | 'amount_anomaly' | 'device_ip_vel', required
    - `window_seconds` 60 | 300 | 900 | 3600 | 86400, required
    - `customer_risk_tier` 'all' | 'high' | 'medium' | 'low'
    - `threshold_count` integer
    - `threshold_amount` number
    - `action` 'block' | 'hold' | 'alert' | 'monitor', required

## Response `200`

Successful tool execution result

- object
  - `total_rule_latency_ms` integer, required
  - `budget_compliant` boolean, required
  - `budget_remaining_ms` integer
  - `conflict_count` integer, required
  - `critical_conflicts` integer
  - `rules` object[], required
    - `rule_index` integer
    - `rule_type` string
    - `rule_label` string
    - `estimated_latency_ms` integer
    - `reject_code` string
    - `action` string
  - `agent_instructions` string[]
  - `ap2_mandate` object, 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)