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The operating-reality layer for African fintech regulation — who's licensed for e-money, payments, remittance and switching across markets, normalized across countries, every fact sourced and dated. Callable via MCP.

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Tool DescriptionsA

Average 4.5/5 across 4 of 4 tools scored.

Server CoherenceA
Disambiguation5/5

Each tool targets a distinct aspect of fintech regulation: cross-border rules, licensed entities, license mapping, and license requirements. There is no overlap in functionality, so an agent can clearly differentiate them.

Naming Consistency2/5

Tool names follow different patterns: 'cross_border_rules' is a compound noun, 'list_licensed' is verb+adjective, 'map_license' is verb+noun, and 'requirements' is a plain noun. This inconsistency makes naming unpredictable.

Tool Count4/5

With 4 tools covering core regulatory data areas, the set is well-scoped for a fintech rulebook server. It's not excessive, and each tool adds value, though a few more specialized tools could enhance coverage.

Completeness4/5

The tools cover the main regulatory needs: rules, licensed entities, mapping, and requirements. However, there are minor gaps, such as missing functionality for entity details or historical data, which agents might need.

Available Tools

4 tools
cross_border_rulesCross-border money-movement rules (D2)A
Read-only
Inspect

The cross-border rulebook: what money may move across an African market's border, and under what rule - export-proceeds repatriation windows, licensed-channel and approval requirements, cash-declaration thresholds, travel/discretionary allowances, outward-capital restrictions, remittance-operator scope (some markets are inbound-only), investor transfer rights, and domestic-FX-use rules - normalized across 38 markets. RULES, NOT RATES (Rule 1): never an FX rate. Every rule carries source + as-of + (in full) the verbatim quote. Honest states are distinct, never conflated: published_rule | documented_absence (structural = a sourced finding that no such rule exists, e.g. a repealed exchange-control regime; not_published = a rule exists but its figure is not officially published) | located_unverified (located but not yet verified - a state only, never a value). Filter by jurisdiction, topic (repatriation, capital_control, approval_required, documentation, limits), facet (the SENSE, e.g. xborder:EXPORT_PROCEEDS_REPATRIATION), scope (intra_union/extra_union), direction (inward/outward/both) or activity. Jurisdictions: 42 African country markets — GH (Ghana), KE (Kenya), NG (Nigeria), RW (Rwanda), TZ (Tanzania), UG (Uganda), ZA (South Africa), ZM (Zambia), ET (Ethiopia), ZW (Zimbabwe), BJ (Benin), BF (Burkina Faso), CI (Côte d'Ivoire), GW (Guinea-Bissau), ML (Mali), NE (Niger), SN (Senegal), TG (Togo), CM (Cameroon), CF (Central African Republic), CG (Congo-Brazzaville), GA (Gabon), GQ (Equatorial Guinea), TD (Chad), MA (Morocco), CD (DR Congo), MZ (Mozambique), AO (Angola), MU (Mauritius), NA (Namibia), LS (Lesotho), SZ (Eswatini), BW (Botswana), MW (Malawi), TN (Tunisia), SO (Somalia), BI (Burundi), DJ (Djibouti), GM (The Gambia), SC (Seychelles), CV (Cabo Verde), SL (Sierra Leone) (plus "WAEMU"/XW, "CEMAC"/XC as union scopes that expand to their member states). format:'compare' returns one facet/topic across jurisdictions side-by-side (the comparison view); 'full' adds the verbatim quote + components; default 'summary'. Paginated.

ParametersJSON Schema
NameRequiredDescriptionDefault
facetNoThe sense within a topic, e.g. 'xborder:EXPORT_PROCEEDS_REPATRIATION' or 'export_proceeds_repatriation'. Must be a known facet; an unknown facet is an error (never a silent empty).
limitNoMax jurisdiction slices per page (default 30). Truncation is explicit: see pagination.has_more / next_offset.
scopeNoThe union-boundary scope of a rule (ADR-053): intra_union = within a monetary union (e.g. WAEMU/CEMAC internal); extra_union = crossing the union border. Omit for both.
topicNoThe money-movement rule family.
formatNosummary (default): the normalized rule + source + as_of. full: adds verbatim quote + components. compare: one facet/topic across jurisdictions (requires facet or topic; a union rule appears once, labelled by the union).
offsetNoSkip N jurisdiction slices (id-sorted).
activityNoA canonical fintech activity, e.g. 'fintech:REMITTANCE_XBORDER' - returns rules that bind that actor class plus the universal rules.
directionNoFilter to inward / outward flows. A single-direction rule matches its own direction; a rule marked 'both' and a non-directional rule (e.g. the universal licensed channel) match ANY direction filter. direction:'both' therefore returns rules that apply either way, not only rules explicitly marked 'both'.
jurisdictionNoISO-2 code or name (NG, Kenya, ZA...) or 'WAEMU'. Omit for all markets.
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Beyond annotations (readOnlyHint), the description discloses error handling (unknown facet errors), state types (published_rule, documented_absence, located_unverified), pagination behavior, and union scope expansion. It also clarifies that no FX rates are returned, adding significant safety context.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is front-loaded with the main purpose and structure. It uses headings, lists, and precise language. Despite length, every sentence adds value—no fluff given the tool's complexity.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a complex tool with 9 parameters, multiple enums, and no output schema, the description covers filters, formats, states, error handling, pagination, and union scopes comprehensively. It leaves no major gaps for safe invocation.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters5/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema descriptions cover all 9 parameters, but the tool description adds meaning: it explains direction filter logic ('both' matches any direction), facet format, format effects, and union scope interpretation, going well beyond the schema alone.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool provides cross-border money-movement rules for African markets, with a specific verb ('rulebook: what money may move') and resource distinction. It explicitly separates itself from siblings via domain (rules vs. licenses/maps) and states 'RULES, NOT RATES' to avoid confusion.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description provides extensive filtering options and explains when to use different output formats (summary/full/compare). However, it does not explicitly contrast with sibling tools or state when not to use this tool, leaving some ambiguity about alternative selection.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

list_licensedList licensed providersA
Read-only
Inspect

Who is licensed/authorized for a canonical activity in an African jurisdiction, per the official regulator register. Activities: fintech:EMONEY_ISSUE, fintech:PAYMENT_PROCESSING, fintech:REMITTANCE_XBORDER, fintech:SWITCHING. Jurisdictions: 42 African country markets — GH (Ghana), KE (Kenya), NG (Nigeria), RW (Rwanda), TZ (Tanzania), UG (Uganda), ZA (South Africa), ZM (Zambia), ET (Ethiopia), ZW (Zimbabwe), BJ (Benin), BF (Burkina Faso), CI (Côte d'Ivoire), GW (Guinea-Bissau), ML (Mali), NE (Niger), SN (Senegal), TG (Togo), CM (Cameroon), CF (Central African Republic), CG (Congo-Brazzaville), GA (Gabon), GQ (Equatorial Guinea), TD (Chad), MA (Morocco), CD (DR Congo), MZ (Mozambique), AO (Angola), MU (Mauritius), NA (Namibia), LS (Lesotho), SZ (Eswatini), BW (Botswana), MW (Malawi), TN (Tunisia), SO (Somalia), BI (Burundi), DJ (Djibouti), GM (The Gambia), SC (Seychelles), CV (Cabo Verde), SL (Sierra Leone) (plus "WAEMU"/XW, "CEMAC"/XC as union scopes that expand to their member states). Every entry carries source + as-of; a per-category coverage block reports ingestion status (ingested / empty / not_ingested / register_unavailable), and slices with no entries explain WHY (structural absence vs register unavailable vs not yet ingested vs genuinely empty). Default format is a compact summary that fits the widest slice in one call; format:'full' returns per-row provenance, paginated.

ParametersJSON Schema
NameRequiredDescriptionDefault
limitNoMax entities per jurisdiction slice (default: 500 summary, 50 full). Truncation is explicit: see pagination.has_more / next_offset.
formatNosummary (default): compact rows (provider, category, status, as_of) + per-category provenance - the widest slice fits one call. full: complete per-row provenance; paginated (default 50/page).
offsetNoSkip N entities (per jurisdiction slice, name-sorted).
activityYesCanonical activity, e.g. 'fintech:EMONEY_ISSUE' or 'REMITTANCE_XBORDER'
jurisdictionNoISO-2 code or name (NG, Kenya, ZA...). Omit for all.
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Beyond the readOnlyHint annotation, the description discloses detailed behavioral traits: each entry carries source and as-of date, per-category coverage block with ingestion statuses, explanations for empty slices, default summary format that fits widest slice, and full format with pagination. This is comprehensive and adds significant value beyond annotations.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is front-loaded with the core purpose and provides a structured list of activities and jurisdictions. While verbose, each sentence adds unique information. Could be slightly more concise, but the detail is valuable.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

The description explains output characteristics (source, as-of, coverage blocks, pagination) despite the absence of an output schema. It covers default and full formats and how missing data is reported. Some specifics about row structure are omitted, but it is sufficiently complete for an LLM to understand the tool's behavior.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100% with parameter descriptions, and the tool description adds context such as listing example activity values, all jurisdiction codes, union scopes (WAEMU, CEMAC), and default behaviors for limit and format. This enriches the schema information meaningfully.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool lists licensed/authorized entities for specific fintech activities in African jurisdictions from official regulator registers. It provides a comprehensive list of activities and 42 countries, distinguishing it from sibling tools like cross_border_rules, map_license, and requirements which serve different purposes.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description implicitly indicates when to use the tool (when needing licensed provider data for specified activities and jurisdictions), but it does not explicitly compare with sibling tools or state when not to use it. It lacks guidance on selecting between alternatives.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

map_licenseMap a licence across jurisdictionsA
Read-only
Inspect

The cross-country normalization: for a canonical activity, which local licence category is the equivalent in each jurisdiction (e.g. Nigeria MMO ≈ Ghana DEMI ≈ Kenya E-Money Issuer; Nigeria IMTO ≈ Kenya MRP ≈ South Africa ADLA Category 3).

ParametersJSON Schema
NameRequiredDescriptionDefault
toYesTarget jurisdiction (ISO-2 or name)
fromYesOrigin jurisdiction (ISO-2 or name)
activityYesCanonical activity, e.g. 'EMONEY_ISSUE' or 'fintech:REMITTANCE_XBORDER'
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations indicate readOnlyHint=true, and the description reinforces a read-only mapping behavior ('normalization'). It adds context about the cross-country equivalence concept, but does not contradict annotations.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Single sentence with illustrative examples. Front-loaded with the core purpose, no unnecessary words.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given 3 parameters with full schema coverage, no output schema, and simple data flow, the description adequately conveys the mapping logic and scope. Lacks return value details, which is acceptable without output schema.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100% with clear descriptions for all three parameters. The description adds examples of canonical activities and jurisdictions, but does not significantly extend beyond the schema.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool maps canonical activities to local license categories across jurisdictions, with specific examples (Nigeria MMO ≈ Ghana DEMI). It uses a specific verb 'normalize' and uniquely identifies the resource, distinguishing it from sibling tools like cross_border_rules.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description implies when to use (finding equivalent licenses across jurisdictions) and provides illustrative examples, but does not explicitly state when not to use or name alternatives. It gives clear context without exclusions.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

requirementsLicence requirementsA
Read-only
Inspect

The licence-requirements layer: the published requirements to HOLD a licence category - minimum capital, local presence/incorporation, timeline, local ownership, fees, ongoing obligations - for a canonical activity in an African jurisdiction. Every value carries source + as-of + (in full format) the verbatim quote. Honest states are distinct, never conflated: published_value | documented_absence (structural = 'no such requirement exists' vs not_published = 'a requirement exists but no official figure is published') | located_unverified (a value was located but not yet verified - surfaced as a state only, never as a value). Capital and fees are stated in the statute's own currency. Key it by activity (+ optional jurisdiction) or by an exact category id. Activities: fintech:EMONEY_ISSUE, fintech:PAYMENT_PROCESSING, fintech:REMITTANCE_XBORDER, fintech:SWITCHING. Jurisdictions: 42 African country markets — GH (Ghana), KE (Kenya), NG (Nigeria), RW (Rwanda), TZ (Tanzania), UG (Uganda), ZA (South Africa), ZM (Zambia), ET (Ethiopia), ZW (Zimbabwe), BJ (Benin), BF (Burkina Faso), CI (Côte d'Ivoire), GW (Guinea-Bissau), ML (Mali), NE (Niger), SN (Senegal), TG (Togo), CM (Cameroon), CF (Central African Republic), CG (Congo-Brazzaville), GA (Gabon), GQ (Equatorial Guinea), TD (Chad), MA (Morocco), CD (DR Congo), MZ (Mozambique), AO (Angola), MU (Mauritius), NA (Namibia), LS (Lesotho), SZ (Eswatini), BW (Botswana), MW (Malawi), TN (Tunisia), SO (Somalia), BI (Burundi), DJ (Djibouti), GM (The Gambia), SC (Seychelles), CV (Cabo Verde), SL (Sierra Leone) (plus "WAEMU"/XW, "CEMAC"/XC as union scopes that expand to their member states). Default format is summary; format:'full' adds the verbatim quote, computation notes and value components, paginated by category.

ParametersJSON Schema
NameRequiredDescriptionDefault
limitNoMax categories per page (default: 30 summary, 10 full). Truncation is explicit: see pagination.has_more / next_offset.
formatNosummary (default): value/absence/held + source + as_of, no quotes. full: adds verbatim quote, notes, components; paginated by category.
offsetNoSkip N categories (id-sorted).
activityNoCanonical activity, e.g. 'fintech:EMONEY_ISSUE' or 'REMITTANCE_XBORDER'. Required unless 'category' is given.
categoryNoExact license_category_id (e.g. 'NG-CBN-MMO') or local name. Overrides activity/jurisdiction - returns just that category.
jurisdictionNoISO-2 code or name (NG, Kenya, ZA...). Filters the activity's categories; omit for all.
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

The description extensively documents behavior: it distinguishes honest states (published_value, documented_absence, located_unverified), explains pagination, format options, and that values come with source and as-of. Annotations only provide readOnlyHint=true; the description adds crucial context beyond that.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is front-loaded with the core purpose and then details. It is somewhat lengthy but necessary given the complexity of the tool (multiple parameters, states, formats). Every sentence adds value except perhaps the exhaustive list of jurisdictions, which could be truncated with an ellipsis.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

The description covers input parameters, states, pagination, and formats. With no output schema, it explains the kinds of values returned. It could be more explicit about the overall response structure (e.g., 'returns an array of category objects'), but the pagination hints and state descriptions compensate.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters5/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100% with descriptions, but the tool description adds significant value: it lists all activities and jurisdictions, explains pagination parameters (limit, offset), clarifies format differences, and provides examples for category lookup. This goes well beyond the schema descriptions.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states that the tool retrieves published licence requirements (capital, local presence, etc.) for canonical activities in African jurisdictions. It distinguishes from sibling tools (cross_border_rules, list_licensed, map_license) by focusing on requirements to hold a licence, not on cross-border rules or lists of licensed entities.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description explains how to key by activity, jurisdiction, or exact category ID, and specifies default vs. full format. It does not explicitly state when to use alternatives, but the scope is clear and the sibling tool names indicate distinct purposes.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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