FinOps Studio — Deterministic Banking, Payroll, Treasury & E-Invoicing APIs (REST + MCP + n8n)

Zero-hallucination banking, payroll, cash-management, and tax e-invoicing file engines for CFOs, accounting firms, ERP integrators (NetSuite, SAP, Odoo, QuickBooks, Xero, Dynamics 365), workflow builders (n8n, Make.com, Zapier), and AI Agents (MCP).

Why deterministic engines instead of LLMs?
Commercial banking gateways reject an entire payroll or treasury batch over a single shifted character column, a failed ISO 13616 MOD-97 IBAN check digit, an unbalanced NACHA ABA routing hash, or a floating-point penny rounding mismatch. FinOps Studio runs strict mathematical checksums and fixed-width/XML schema engines in isolated cloud containers—at $0/month subscription cost.

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10 Production Financial File Engines

#	Banking / Tax Standard	Region	Cloud API Endpoint	Pay-Per-Use
1	ISO 20022 SEPA XML (pain.001.001.09 & pain.008.001.08) + 2026 Structured Addresses & MOD-97 IBAN Check	Europe (40+ Countries)	finops_studio/sepa-xml-generator	$0.02 / tx
2	EU EN 16931 E-Invoice XML (Peppol BIS 3.0, XRechnung 3.0, Factur-X / ZUGFeRD)	EU (BE, DE, FR, NL, ES, IT)	finops_studio/eu-einvoice-xml-generator	$0.05 / invoice
3	US 94-Character NACHA ACH Generator (PPD, CCD, WEB) + ABA MOD-10 Routing Check	United States	finops_studio/nacha-ach-file-generator	$0.02 / entry
4	Corporate BAI2 Bank Statement Parser (01/02/03/16/88/49/98/99 → JSON/CSV)	US & Global Treasury	finops_studio/bai2-bank-statement-parser	$0.02 / tx
5	German DATEV Buchungsstapel (EXTF v700 CSV) (SKR03 / SKR04, BU-Schlüssel)	Germany & Austria	finops_studio/datev-buchungsstapel-generator	$0.02 / booking
6	Australian 120-Character ABA Direct Entry (.aba / Cemtex) (CBA, NAB, Westpac, ANZ)	Australia	finops_studio/aba-cemtex-file-generator	$0.02 / row
7	ISO 20022 pain.002 Bank Rejection Status Decoder (AC04, AM04, BE04, MD01 → Plain English)	Global ISO 20022	finops_studio/iso20022-pain002-status-parser	$0.02 / status
8	UK BACS Standard 18 (100-Character) Direct Credit & Debit Generator (VOL1/HDR1/UHL1/UTL1)	United Kingdom	finops_studio/uk-bacs-standard18-generator	$0.02 / row
9	Canadian Payments Association CPA-005 (1464-Byte) EFT Generator (RBC, TD, BMO, Scotiabank)	Canada	finops_studio/canada-cpa005-eft-generator	$0.02 / segment
10	US Bank Payee Positive Pay Check Fraud File Generator (BofA CashPro, Chase, Wells Fargo CEO, PNC)	United States	finops_studio/us-positive-pay-check-generator	$0.02 / check

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Quickstart: CLI, cURL, Node.js & Python

1. Zero-Install CLI (npx)

npx github:Geornaden/finops-studio list
npx github:Geornaden/finops-studio mcp-config

2. Direct Synchronous REST API (cURL)

curl -X POST "https://api.apify.com/v2/acts/finops_studio~sepa-xml-generator/run-sync-get-dataset-items?token=YOUR_APIFY_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "schemaVersion": "pain.001.001.09",
    "initiatingPartyName": "Acme Europe GmbH",
    "debtorName": "Acme Europe GmbH",
    "debtorIban": "DE89370400440532013000",
    "debtorBic": "COBADEFFXXX",
    "transactions": [
      {
        "name": "Nordic Cloud AB",
        "iban": "NL91ABNA0417164300",
        "amount": 1450.00,
        "remittanceInfo": "INV-2026-0891",
        "country": "NL",
        "townName": "Amsterdam"
      }
    ]
  }'

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Model Context Protocol (MCP) for AI Agents

Give Claude Desktop, Cursor, Windsurf, or any MCP-compatible AI agent deterministic banking and e-invoicing capabilities:

{
  "mcpServers": {
    "finops-studio": {
      "url": "https://mcp.apify.com/?actors=finops_studio/sepa-xml-generator,finops_studio/eu-einvoice-xml-generator,finops_studio/nacha-ach-file-generator,finops_studio/bai2-bank-statement-parser,finops_studio/datev-buchungsstapel-generator,finops_studio/aba-cemtex-file-generator,finops_studio/iso20022-pain002-status-parser,finops_studio/uk-bacs-standard18-generator,finops_studio/canada-cpa005-eft-generator,finops_studio/us-positive-pay-check-generator",
      "headers": {
        "Authorization": "Bearer YOUR_APIFY_API_TOKEN"
      }
    }
  }
}

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Ready-to-Import n8n Workflow Blueprints

• workflows/n8n-sheets-to-sepa-xml.json — Google Sheets / ERP → 2026 ISO 20022 SEPA XML
• workflows/n8n-stripe-to-datev-and-einvoice.json — Paid Stripe Invoice → EN 16931 Peppol XML + German DATEV EXTF CSV
• workflows/n8n-bank-sftp-bai2-and-pain002-alerts.json — Daily Bank SFTP BAI2 Reconciliation + Slack pain.002 Rejection Fixes

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Regional Documentation & Guides

• Interactive Preview Hub: https://geornaden.github.io/finops-studio/
• US Chase / BofA / Wells Fargo NACHA ACH: Guide
• US Bank Check Positive Pay (CashPro / CEO / Chase): Guide
• 2026 EPC SEPA BE04 Structured Address Mandate: Guide
• UK BACS Standard 18 (Barclays / HSBC / Lloyds / NatWest): Guide
• Canada CPA-005 1464-Byte EFT (RBC / TD / BMO / Scotiabank): Guide
• Germany (DE): Stripe & Shopify zu DATEV Buchungsstapel & XRechnung
• France (FR): Facturation Électronique 2026 — Peppol BIS 3.0 & Factur-X
• Belgium & Netherlands (NL/BE): SEPA XML & Peppol E-Facturatie 2026
• Spain (ES): Facturación Electrónica 2026 Peppol & SEPA XML