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by io.github.89rat
OverviewDiscussionsAdmin

BAP-1 ISO 20022 to x402 Intent Mapper

iso20022_to_x402_intent
Read-onlyIdempotent

Translates validated ISO 20022 payment instructions (pain.001 / pacs.008) into deterministic EIP-712 payment-intent templates for autonomous x402 Base L2 USDC settlement (BAP-1). Zero custody, no fiat leg.

Input Schema

NameRequiredDescriptionDefault
chain_idNoTarget chain ID (default 8453 for Base)
instructionYesValidated BAP-1 payment instruction object
seller_pay_to_addressNoFallback recipient Base L2 address
counterparty_wallet_directoryNoEnterprise IBAN -> 0x Base L2 wallet address map

Output Schema

NameRequiredDescriptionDefault
okYes
noticeNo
statusYes
standardYes
intent_templateYes

Schema Changelog

Changes observed during successful MCP inspections.

  1. Added
  2. Removed
  3. Added
  4. Removed
  5. Changed18 schema fields changed
    • changedInput schema / examples
      Previous value: -[
-  {
-    "xml": "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pain.001.001.03\"><CstmrCdtTrfInitn><PmtInf><CdtTrfTxInf><Amt><InstdAmt Ccy=\"USD\">5000.00</InstdAmt></Amt><CdtrAcct><Id><IBAN>GB82WEST12345698765432</IBAN></Id></CdtrAcct></CdtTrfTxInf></PmtInf></CstmrCdtTrfInitn></Document>"
-  }
-]New value: +[
+  {
+    "instruction": {
+      "creditor": {
+        "iban": "DE77100100100123456789"
+      },
+      "debtor": {
+        "iban": "DE89370400440532013000"
+      },
+      "end_to_end_id": "E2E-1001",
+      "instructed_amount": {
+        "amount_minor": "250000000",
+        "amount_str": "250.00",
+        "currency": "USD"
+      }
+    },
+    "seller_pay_to_address": "0xc59c85e661d34084a7769f955d17fd38254a6235"
+  }
+]
    • addedInput schema / properties / chain_id
      Added value: +{
+  "description": "Target chain ID (default 8453 for Base)",
+  "type": "number"
+}
    • addedInput schema / properties / counterparty_wallet_directory
      Added value: +{
+  "description": "Enterprise IBAN -> 0x Base L2 wallet address map",
+  "type": "object"
+}
    • addedInput schema / properties / instruction
      Added value: +{
+  "description": "Validated BAP-1 payment instruction object",
+  "type": "object"
+}
    • addedInput schema / properties / seller_pay_to_address
      Added value: +{
+  "description": "Fallback recipient Base L2 address",
+  "type": "string"
+}
    • removedInput schema / properties / xml
      Removed value: -{
-  "description": "ISO 20022 XML string (< 512KB).",
-  "type": "string"
-}
    • changedInput schema / required
      Previous value: -[
-  "xml"
-]New value: +[
+  "instruction"
+]
    • addedOutput schema / properties / intent_template
      Added value: +{
+  "type": "object"
+}
    • addedOutput schema / properties / notice
      Added value: +{
+  "type": "string"
+}
    • addedOutput schema / properties / ok
      Added value: +{
+  "type": "boolean"
+}
    • removedOutput schema / properties / scope
      Removed value: -{
-  "type": "string"
-}
    • addedOutput schema / properties / standard
      Added value: +{
+  "type": "string"
+}
    • addedOutput schema / properties / status
      Added value: +{
+  "type": "string"
+}
    • removedOutput schema / properties / swapped_rail
      Removed value: -{
-  "type": "string"
-}
    • removedOutput schema / properties / tool
      Removed value: -{
-  "type": "string"
-}
    • removedOutput schema / properties / valid
      Removed value: -{
-  "type": "boolean"
-}
    • removedOutput schema / properties / x402_intent
      Removed value: -{
-  "type": "object"
-}
    • changedOutput schema / required
      Previous value: -[
-  "valid"
-]New value: +[
+  "ok",
+  "standard",
+  "intent_template",
+  "status"
+]
  6. Changed18 schema fields changed
    • changedInput schema / examples
      Previous value: -[
-  {
-    "instruction": {
-      "creditor": {
-        "iban": "DE77100100100123456789"
-      },
-      "debtor": {
-        "iban": "DE89370400440532013000"
-      },
-      "end_to_end_id": "E2E-1001",
-      "instructed_amount": {
-        "amount_minor": "250000000",
-        "amount_str": "250.00",
-        "currency": "USD"
-      }
-    },
-    "seller_pay_to_address": "0xc59c85e661d34084a7769f955d17fd38254a6235"
-  }
-]New value: +[
+  {
+    "xml": "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pain.001.001.03\"><CstmrCdtTrfInitn><PmtInf><CdtTrfTxInf><Amt><InstdAmt Ccy=\"USD\">5000.00</InstdAmt></Amt><CdtrAcct><Id><IBAN>GB82WEST12345698765432</IBAN></Id></CdtrAcct></CdtTrfTxInf></PmtInf></CstmrCdtTrfInitn></Document>"
+  }
+]
    • removedInput schema / properties / chain_id
      Removed value: -{
-  "description": "Target chain ID (default 8453 for Base)",
-  "type": "number"
-}
    • removedInput schema / properties / counterparty_wallet_directory
      Removed value: -{
-  "description": "Enterprise IBAN -> 0x Base L2 wallet address map",
-  "type": "object"
-}
    • removedInput schema / properties / instruction
      Removed value: -{
-  "description": "Validated BAP-1 payment instruction object",
-  "type": "object"
-}
    • removedInput schema / properties / seller_pay_to_address
      Removed value: -{
-  "description": "Fallback recipient Base L2 address",
-  "type": "string"
-}
    • addedInput schema / properties / xml
      Added value: +{
+  "description": "ISO 20022 XML string (< 512KB).",
+  "type": "string"
+}
    • changedInput schema / required
      Previous value: -[
-  "instruction"
-]New value: +[
+  "xml"
+]
    • removedOutput schema / properties / intent_template
      Removed value: -{
-  "type": "object"
-}
    • removedOutput schema / properties / notice
      Removed value: -{
-  "type": "string"
-}
    • removedOutput schema / properties / ok
      Removed value: -{
-  "type": "boolean"
-}
    • addedOutput schema / properties / scope
      Added value: +{
+  "type": "string"
+}
    • removedOutput schema / properties / standard
      Removed value: -{
-  "type": "string"
-}
    • removedOutput schema / properties / status
      Removed value: -{
-  "type": "string"
-}
    • addedOutput schema / properties / swapped_rail
      Added value: +{
+  "type": "string"
+}
    • addedOutput schema / properties / tool
      Added value: +{
+  "type": "string"
+}
    • addedOutput schema / properties / valid
      Added value: +{
+  "type": "boolean"
+}
    • addedOutput schema / properties / x402_intent
      Added value: +{
+  "type": "object"
+}
    • changedOutput schema / required
      Previous value: -[
-  "ok",
-  "standard",
-  "intent_template",
-  "status"
-]New value: +[
+  "valid"
+]
  7. Changed18 schema fields changed
    • changedInput schema / examples
      Previous value: -[
-  {
-    "xml": "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pain.001.001.03\"><CstmrCdtTrfInitn><PmtInf><CdtTrfTxInf><Amt><InstdAmt Ccy=\"USD\">5000.00</InstdAmt></Amt><CdtrAcct><Id><IBAN>GB82WEST12345698765432</IBAN></Id></CdtrAcct></CdtTrfTxInf></PmtInf></CstmrCdtTrfInitn></Document>"
-  }
-]New value: +[
+  {
+    "instruction": {
+      "creditor": {
+        "iban": "DE77100100100123456789"
+      },
+      "debtor": {
+        "iban": "DE89370400440532013000"
+      },
+      "end_to_end_id": "E2E-1001",
+      "instructed_amount": {
+        "amount_minor": "250000000",
+        "amount_str": "250.00",
+        "currency": "USD"
+      }
+    },
+    "seller_pay_to_address": "0xc59c85e661d34084a7769f955d17fd38254a6235"
+  }
+]
    • addedInput schema / properties / chain_id
      Added value: +{
+  "description": "Target chain ID (default 8453 for Base)",
+  "type": "number"
+}
    • addedInput schema / properties / counterparty_wallet_directory
      Added value: +{
+  "description": "Enterprise IBAN -> 0x Base L2 wallet address map",
+  "type": "object"
+}
    • addedInput schema / properties / instruction
      Added value: +{
+  "description": "Validated BAP-1 payment instruction object",
+  "type": "object"
+}
    • addedInput schema / properties / seller_pay_to_address
      Added value: +{
+  "description": "Fallback recipient Base L2 address",
+  "type": "string"
+}
    • removedInput schema / properties / xml
      Removed value: -{
-  "description": "ISO 20022 XML string (< 512KB).",
-  "type": "string"
-}
    • changedInput schema / required
      Previous value: -[
-  "xml"
-]New value: +[
+  "instruction"
+]
    • addedOutput schema / properties / intent_template
      Added value: +{
+  "type": "object"
+}
    • addedOutput schema / properties / notice
      Added value: +{
+  "type": "string"
+}
    • addedOutput schema / properties / ok
      Added value: +{
+  "type": "boolean"
+}
    • removedOutput schema / properties / scope
      Removed value: -{
-  "type": "string"
-}
    • addedOutput schema / properties / standard
      Added value: +{
+  "type": "string"
+}
    • addedOutput schema / properties / status
      Added value: +{
+  "type": "string"
+}
    • removedOutput schema / properties / swapped_rail
      Removed value: -{
-  "type": "string"
-}
    • removedOutput schema / properties / tool
      Removed value: -{
-  "type": "string"
-}
    • removedOutput schema / properties / valid
      Removed value: -{
-  "type": "boolean"
-}
    • removedOutput schema / properties / x402_intent
      Removed value: -{
-  "type": "object"
-}
    • changedOutput schema / required
      Previous value: -[
-  "valid"
-]New value: +[
+  "ok",
+  "standard",
+  "intent_template",
+  "status"
+]
  8. Added
  9. Removed
  10. Added

TDQS

A4.3/5.0
Behavior4/5

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

Annotations already establish read-only, idempotent, and open-world behavior. The description adds meaningful context beyond them, especially 'zero custody, no fiat leg' and deterministic template generation, though it does not discuss auth, rate limits, or error behavior.

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 definition is a single dense sentence that front-loads the core transformation and settlement context with no filler. Every phrase, including custody and fiat caveats, contributes useful information.

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?

Given a full output schema, complete parameter descriptions, nested input objects, and annotations covering safety/idempotency, the description provides sufficient context to select and call the tool correctly. Return-value details are appropriately left to the 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 description coverage is 100%, so the schema already documents all four parameters, including chain_id default and fallback recipient. The description adds accepted ISO 20022 message types but does not explain parameter roles or interactions 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 names a specific verb and resource: translating validated ISO 20022 pain.001/pacs.008 instructions into EIP-712 payment-intent templates for x402 settlement. It clearly distinguishes this mapping step from validation by specifying the input is already validated.

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 gives clear context for when to use it: after ISO 20022 validation, when producing x402 Base L2 USDC settlement intents. It does not explicitly name alternatives or exclusions, so it falls short of a full when/when-not routing statement.

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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