---
title: "ACH False-Pretenses Credit-Entry Simulator"
method: POST
path: "/v1/tools/simulate_ach_false_pretenses_scenario"
tags: ["nacha", "ach", "false pretenses", "credit entry", "bec", "vendor impersonation", "payroll redirect", "fraud", "odfi", "rdfi", "phase 2", "2026"]
---

# ACH False-Pretenses Credit-Entry Simulator

`POST /v1/tools/simulate_ach_false_pretenses_scenario`

## Request

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

Simulates Nacha Phase 2 false-pretenses credit-entry fraud scenarios (vendor impersonation, payroll redirect, BEC, account takeover, insider fraud), maps triggered rule obligations by role, and models the funds-recovery path. Zero PII.

**Tool URL:** https://ainumbers.co/tools/493-ach-false-pretenses-credit-entry-simulator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `scenario` string, required: Fraud scenario: vendor_impersonation, payroll_redirect, bec_wire_redirect, account_takeover, insider_credit_fraud
  - `entry_class` string: ACH entry class: CCD, CTX, PPD, WEB
  - `amount_usd` number: Credit entry amount in USD
  - `discovered_timing` string: When fraud discovered: same_day, next_day, t2_t5, after_t5

## Response `200`

Successful tool execution result

- object
  - `obligations` unknown[]
    - unknown
  - `recovery_path` object
  - `recovery_likelihood` string

---

[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)