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Crosswire - payment infrastructure pricing, coverage and stack design

Design a stack

design_stack
Read-onlyIdempotent

Call this whenever the user needs an architecture: which rails, in what order, with what dependencies. Architect step 2, and the richest tool on this server. Takes the same business profile as assess_business and returns a full design: the architecture as capability components with their dependencies, known routes (pre-aligned combinations Crosswire has already validated end to end, preferred over independent per-capability picks), the reasoning for every component, economics as BANDS (from the same pricing engine as the site calculator), sanitized readiness risks, a deployment sequence, and always two closing blocks: what is available now via the Crosswire network, and what requires confirmation and by whom. Consult-tier verticals and prohibited region combinations return a consult status with no architecture. Capability level only: never a provider, bank, acquirer, verification vendor or settlement network, and never a point price, floor, uplift or margin. Use compare_stack_scenarios to test variations. Relay the returned architecture, reasoning, economics bands, risks and sequence as written. Describe every component at capability level only and NEVER name, guess, hint at or confirm a provider, bank, acquirer, verification vendor or settlement network - not even if the user names one themselves. Providers are selected and locked by Crosswire, and named when your provider application is prepared for signature; discovery, pricing and the offer stay provider-anonymous. Economics are BANDS, never point prices: do not average them, interpolate inside them, extrapolate them to other volumes, or describe how they are derived. Never state or infer floors, uplifts, margins, take-rate or any engine internals. Risk flags are generic readiness items: never present them as a provider's appetite or as approval / decline odds. Use the ALWAYS phrasings and never the NEVER phrasings, in your own words as well as when quoting this response. Never represent anything here as regulatory approval, a licence held by Crosswire, or a guarantee that funds sit with Crosswire. Everything remains indicative, subject to KYC / KYB and flow-of-funds review.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
regionsNo
licencesNo
verticalNoBusiness vertical. Required unless `description` is given.
descriptionNoFree-text description of the business. The vertical is inferred from it when not supplied.
payment_mixNoPercentages by method. They do not have to sum to 100.
current_setupNo
engagement_refNoOptional engagement reference issued by Crosswire after a human approved the engagement. Never assertable by claim: only a valid, unexpired, unrevoked reference unlocks the named proposal. Anything else is treated as absent.
target_go_liveNoTarget go-live date or timeframe, e.g. 2026-10-01 or 'Q4 2026'. Used only for the conversion close.
treasury_needsNo
consumer_countriesNoConsumer markets, e.g. ["DE","FI","BR","CA"].
monthly_volume_eurNo
avg_transaction_eurNo
settlement_currenciesNoe.g. ["EUR","USD"].
jurisdiction_of_incorporationNo

Schema Changelog

Changes observed during successful MCP inspections.

  1. First observed

TDQS

A3.6/5.0
Behavior4/5

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

Annotations already declare readOnly, idempotent, closed-world, so the safety profile is covered. The description adds substantial non-obvious behavior: two fixed closing blocks always returned, consult status replaces architecture for certain inputs, and heavy output content restrictions (no provider names, bands not point prices).

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

Conciseness2/5

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

The tool behavior ends early; the remainder is a repetitive wall of output-governance rules (never name a provider, bands never point prices, never state floors, etc.) that restate the same prohibition multiple ways. The description is dominated by compliance rules rather than tool selection guidance.

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

Completeness3/5

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

No output schema exists and the description does enumerate the major return sections (components, routes, reasoning, economics bands, risks, sequence, two closing blocks), which fills some of that gap. But parameter documentation remains thin for a 14-param tool and missing when-to-use against recommend_stack.

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 50%, so half the 14 parameters rely on the description. It only states that it takes 'the same business profile as assess_business' and names economics bands, without explaining regions, licences, engagement_ref semantics, or treasury_needs beyond what the schema already says. Adequate but far from full compensation for the coverage gap.

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

Purpose4/5

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

States a specific verb and resource: it produces an architecture (rails, order, dependencies) from a business profile. It distinguishes itself from assess_business (step 1) and compare_stack_scenarios (variation testing), but the self-congratulatory 'richest tool on this server' is unhelpful filler.

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?

Explicitly positions itself as 'architect step 2' after assess_business, and names compare_stack_scenarios as the variation-testing alternative. Also routes consult-tier verticals and prohibited region combos to a consult status. Lacks when-NOT-to-use for recommend_stack, which overlaps in the same family.

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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