---
title: "Real-Time Rail Prefunding Scheduler"
method: POST
path: "/v1/tools/schedule_realtime_rail_prefunding"
tags: ["prefunding", "liquidity", "intraday", "FedNow", "RTP", "SEPA-Instant", "schedule", "idle-capital", "zero-pii"]
---

# Real-Time Rail Prefunding Scheduler

`POST /v1/tools/schedule_realtime_rail_prefunding`

## Request

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

Prefunding schedule builder for FedNow, RTP, and SEPA Instant (prefunding-required rails only). Returns 24-row hourly net position table, minimum opening balance recommendation, predicted top-up windows, daily and annualised idle capital cost, and three-rail comparison. BCBS 248 facility sizing for credit-based rails is in T258 (Cat-21). Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/324-realtime-rail-prefunding-scheduler.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `rail` 'FedNow' | 'RTP' | 'SEPA-Instant', required
  - `daily_volume_value_m` number, required
  - `outgoing_timing_profile` string, required
  - `incoming_timing_profile` string, required
  - `opening_balance_m` number, required
  - `opportunity_cost_rate_pct` number, required
  - `intraday_topup_threshold_pct` number, required

## Response `200`

Successful tool execution result

- object
  - `rail` string
  - `rows` unknown[]: 24 hourly schedule rows
    - unknown
  - `minOpeningBalance` number
  - `topupWindows` unknown[]
    - unknown
  - `dailyIdleCost` number
  - `annualIdleCost` number
  - `railComparison` 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)