naftiko: 1.0.0-alpha2
info:
  label: US Bank Payments
  description: Unified payments capability composing US Bank RTP, Push to Card, and Positive Pay APIs. Used by payments teams
    and corporate finance for real-time payment origination, instant card disbursements, and check fraud prevention.
  tags:
  - Banking
  - Payments
  - RTP
  - Push to Card
  - Fraud Prevention
  - Finance
  - Disbursements
  created: '2026-05-03'
  modified: '2026-05-06'
binds:
- namespace: env
  keys:
    USB_OAUTH_TOKEN: USB_OAUTH_TOKEN
capability:
  consumes:
  - type: http
    namespace: usb-rtp
    baseUri: https://api.usbank.com/v1
    description: US Bank RTP Real-Time Payments API
    authentication:
      type: bearer
      token: '{{USB_OAUTH_TOKEN}}'
    resources:
    - name: rtp-eligibility
      path: /rtp/eligibility
      description: Check if a bank supports RTP
      operations:
      - name: check-rtp-eligibility
        method: GET
        description: Check if a receiving bank is part of the RTP Network
        inputParameters:
        - name: routingNumber
          in: query
          type: string
          required: true
          description: 9-digit routing number of receiving bank
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
    - name: rtp-credit-transfers
      path: /rtp/credit-transfers
      description: RTP credit transfer payments
      operations:
      - name: initiate-rtp-credit-transfer
        method: POST
        description: Initiate an RTP credit transfer (instant, irrevocable)
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            payerAccountNumber: '{{tools.payerAccountNumber}}'
            payeeAccountNumber: '{{tools.payeeAccountNumber}}'
            payeeRoutingNumber: '{{tools.payeeRoutingNumber}}'
            payeeName: '{{tools.payeeName}}'
            amount: '{{tools.amount}}'
            remittanceInfo: '{{tools.remittanceInfo}}'
      - name: get-rtp-credit-transfer-status
        method: GET
        description: Get status of an RTP credit transfer
        inputParameters:
        - name: transactionId
          in: path
          type: string
          required: true
          description: Transaction identifier
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
    - name: rtp-requests-for-payment
      path: /rtp/requests-for-payment
      description: RTP Request for Payment (RFP)
      operations:
      - name: initiate-rtp-rfp
        method: POST
        description: Initiate an RTP Request for Payment to receive funds
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            creditorAccountNumber: '{{tools.creditorAccountNumber}}'
            debtorName: '{{tools.debtorName}}'
            amount: '{{tools.amount}}'
            dueDate: '{{tools.dueDate}}'
      - name: get-rtp-rfp-status
        method: GET
        description: Get status of an RTP Request for Payment
        inputParameters:
        - name: requestId
          in: path
          type: string
          required: true
          description: RFP request identifier
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
  exposes:
  - type: rest
    port: 8081
    namespace: payments-api
    description: Unified REST API for US Bank payment operations.
    resources:
    - path: /v1/rtp/eligibility
      name: rtp-eligibility
      description: RTP network eligibility check
      operations:
      - method: GET
        name: check-rtp-eligibility
        description: Verify RTP eligibility by routing number
        call: usb-rtp.check-rtp-eligibility
        with:
          routingNumber: rest.routingNumber
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/rtp/credit-transfers
      name: rtp-credit-transfers
      description: Instant RTP credit transfer payments
      operations:
      - method: POST
        name: send-rtp-payment
        description: Send an instant RTP credit transfer (irrevocable)
        call: usb-rtp.initiate-rtp-credit-transfer
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/rtp/credit-transfers/{transaction-id}
      name: rtp-credit-transfer-status
      description: RTP payment status
      operations:
      - method: GET
        name: get-rtp-status
        description: Get RTP payment status
        call: usb-rtp.get-rtp-credit-transfer-status
        with:
          transactionId: rest.transaction-id
        outputParameters:
        - type: object
          mapping: $.
  - type: mcp
    port: 9091
    namespace: payments-mcp
    transport: http
    description: MCP server for AI-assisted US Bank payment orchestration.
    tools:
    - name: verify-rtp-eligibility
      description: Verify if a bank participates in the RTP Network before initiating payment
      hints:
        readOnly: true
        openWorld: true
      call: usb-rtp.check-rtp-eligibility
      with:
        routingNumber: tools.routingNumber
      outputParameters:
      - type: object
        mapping: $.
    - name: send-rtp-credit-transfer
      description: Send an instant, irrevocable RTP credit transfer via The Clearing House
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: usb-rtp.initiate-rtp-credit-transfer
      with:
        payerAccountNumber: tools.payerAccountNumber
        payeeAccountNumber: tools.payeeAccountNumber
        payeeRoutingNumber: tools.payeeRoutingNumber
        payeeName: tools.payeeName
        amount: tools.amount
      outputParameters:
      - type: object
        mapping: $.
    - name: track-rtp-payment
      description: Track the status of a sent RTP credit transfer
      hints:
        readOnly: true
        openWorld: false
      call: usb-rtp.get-rtp-credit-transfer-status
      with:
        transactionId: tools.transactionId
      outputParameters:
      - type: object
        mapping: $.