ibanforge

Previous value: -"valid AND every present address is structured (type S): what banks require from 14.11.2026."New value: +"valid AND every present address is structured (type S). The name is kept for compatibility and is not a deadline: type K has not been permitted since 21.11.2025, and the banks guarantee payment of a type K QR-bill only until the end of September 2026."

Previous value: -"One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: the check key a country keeps inside the BBAN, a second check independent of mod-97. Checked for FR and MC (RIB key), BE (the last two digits, modulo 97), IT and SM (CIN) and ES (DC), with the proof in the national_check_digits block, and for GB (Vocalink modulus), with the proof in modulus_check; not_checked elsewhere (the German account-number methods are not checked yet). pass means the account number is well formed, never that the account exists; fail means it cannot have been issued as written, and valid stays true. A key may be added later; a key is never removed. Present only when valid is true."New value: +"One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: the check key a country keeps inside the BBAN, a second check independent of mod-97. Checked for FR and MC (RIB key), BE (the last two digits, modulo 97), IT and SM (CIN), ES (DC) and DE (the account-number check digit, by the method the Bundesbank lists for the bank code), with the proof in the national_check_digits block, and for GB (Vocalink modulus), with the proof in modulus_check; not_checked elsewhere. In DE it is not_checked when the bank code is not in the Bundesbank file or its method is not checked here, and not_applicable when the bank uses no check digit (method 09); national_check_digits.verified_by says whether a German verdict rests on the Bundesbank test numbers or on an independent implementation only. pass means the account number is well formed, never that the account exists; fail means it cannot have been issued as written, and valid stays true. A key may be added later; a key is never removed. Present only when valid is true."

Previous value: -"The check key a country keeps inside the BBAN, recomputed from the IBAN alone. Present only on a valid IBAN of FR, MC, BE, IT, SM or ES (GB has modulus_check instead); absent elsewhere, where checks.national_check_digits is not_checked. country is the IBAN country. scheme names the algorithm: fr_rib_key (FR and MC: the RIB key, the last two digits of the BBAN, over the bank code, branch code and account number), be_mod97 (BE: the last two digits, the first ten digits modulo 97, or 97 when the remainder is 0), it_cin (IT and SM: the CIN, the control letter at the start of the BBAN, over the ABI, CAB and account number), es_dc (ES: the two DC digits, positions 9 and 10 of the BBAN). status: pass (the key matches, so the account number is well formed; it does not prove the account exists or is open) or fail (the key does not match: this account number cannot have been issued as written, a typo or a made-up number). A fail never makes valid false, because the IBAN check digits are right: read the two separately, and confirm the details with the beneficiary before paying. not_applicable is reserved for a BBAN without the national layout, which a valid IBAN never has. detail, present on fail and not_applicable only, says which digits disagree; it never gives the expected key. checks.national_check_digits repeats status."New value: +"The check key a country keeps inside the BBAN, recomputed from the IBAN alone. Present only on a valid IBAN of FR, MC, BE, IT, SM, ES or DE (GB has modulus_check instead); absent elsewhere, where checks.national_check_digits is not_checked. country is the IBAN country. scheme names the algorithm: fr_rib_key (FR and MC: the RIB key, the last two digits of the BBAN, over the bank code, branch code and account number), be_mod97 (BE: the last two digits, the first ten digits modulo 97, or 97 when the remainder is 0), it_cin (IT and SM: the CIN, the control letter at the start of the BBAN, over the ABI, CAB and account number), es_dc (ES: the two DC digits, positions 9 and 10 of the BBAN), de_pruefziffer (DE: the check digit of the 10-digit account number, computed by the method the Deutsche Bundesbank lists for the bank code in its Bankleitzahlendatei, named in method; the IBAN check digits already cover the whole BBAN, this says whether that bank could have issued the account number). status: pass (the key matches, so the account number is well formed; it does not prove the account exists or is open) or fail (the key does not match: this account number cannot have been issued as written, a typo or a made-up number). A fail never makes valid false, because the IBAN check digits are right: read the two separately, and confirm the details with the beneficiary before paying. not_applicable: a BBAN without the national layout, which a valid IBAN never has, or in DE a bank that uses no check digit (method 09) or a method that defines none for that range of account numbers. not_checked (DE only): the check did not run on our side, because the bank code is not in the Bundesbank file or its method is not checked here (method 44, and methods no bank uses); it says nothing about the beneficiary. verified_by (DE only, whenever the method ran): bundesbank_test_numbers (the method gives the expected answer on every test number and worked example the Bundesbank publishes; a fail adds the blocking step national_check_digits_failed) or independent_implementation (the Bundesbank publishes no test number for the method, which was verified against an independent implementation only; a fail adds the warning step national_check_digits_suspect and never stops a payment). detail, present on fail, not_applicable and not_checked, says which digits disagree or why nothing was checked; it never gives the expected key. In DE the block also carries method (the Bundesbank method code), verified_by, source (with the credit line the Bundesbank asks for) and table_fetched_on (the day the method table was read). checks.national_check_digits repeats status."

Previous value: -"Present on fail and not_applicable only."New value: +"Present on fail, not_applicable and not_checked."

Added value: +{
+  "description": "DE only: the Bundesbank check-digit method code of the bank code.",
+  "type": "string"
+}

Previous value: -"fr_rib_key | be_mod97 | it_cin | es_dc"New value: +"fr_rib_key | be_mod97 | it_cin | es_dc | de_pruefziffer"

Added value: +{
+  "description": "DE only: the source, with the credit line the Bundesbank asks for.",
+  "type": "string"
+}

Previous value: -"pass | fail | not_applicable"New value: +"pass | fail | not_applicable | not_checked"

Added value: +{
+  "description": "DE only: the day the method table was read (YYYY-MM-DD).",
+  "type": "string"
+}

Added value: +{
+  "description": "DE only: bundesbank_test_numbers (a fail is blocking) | independent_implementation (a fail is a warning, national_check_digits_suspect).",
+  "type": "string"
+}

Previous value: -"One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: the check key a country keeps inside the BBAN, a second check independent of mod-97. Checked for FR and MC (RIB key), BE (the last two digits, modulo 97), IT and SM (CIN) and ES (DC), with the proof in the national_check_digits block, and for GB (Vocalink modulus), with the proof in modulus_check; not_checked elsewhere (the German account-number methods are not checked yet). pass means the account number is well formed, never that the account exists; fail means it cannot have been issued as written, and valid stays true. A key may be added later; a key is never removed. Present only when valid is true."New value: +"One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: the check key a country keeps inside the BBAN, a second check independent of mod-97. Checked for FR and MC (RIB key), BE (the last two digits, modulo 97), IT and SM (CIN), ES (DC) and DE (the account-number check digit, by the method the Bundesbank lists for the bank code), with the proof in the national_check_digits block, and for GB (Vocalink modulus), with the proof in modulus_check; not_checked elsewhere. In DE it is not_checked when the bank code is not in the Bundesbank file or its method is not checked here, and not_applicable when the bank uses no check digit (method 09); national_check_digits.verified_by says whether a German verdict rests on the Bundesbank test numbers or on an independent implementation only. pass means the account number is well formed, never that the account exists; fail means it cannot have been issued as written, and valid stays true. A key may be added later; a key is never removed. Present only when valid is true."

Previous value: -"The check key a country keeps inside the BBAN, recomputed from the IBAN alone. Present only on a valid IBAN of FR, MC, BE, IT, SM or ES (GB has modulus_check instead); absent elsewhere, where checks.national_check_digits is not_checked. country is the IBAN country. scheme names the algorithm: fr_rib_key (FR and MC: the RIB key, the last two digits of the BBAN, over the bank code, branch code and account number), be_mod97 (BE: the last two digits, the first ten digits modulo 97, or 97 when the remainder is 0), it_cin (IT and SM: the CIN, the control letter at the start of the BBAN, over the ABI, CAB and account number), es_dc (ES: the two DC digits, positions 9 and 10 of the BBAN). status: pass (the key matches, so the account number is well formed; it does not prove the account exists or is open) or fail (the key does not match: this account number cannot have been issued as written, a typo or a made-up number). A fail never makes valid false, because the IBAN check digits are right: read the two separately, and confirm the details with the beneficiary before paying. not_applicable is reserved for a BBAN without the national layout, which a valid IBAN never has. detail, present on fail and not_applicable only, says which digits disagree; it never gives the expected key. checks.national_check_digits repeats status."New value: +"The check key a country keeps inside the BBAN, recomputed from the IBAN alone. Present only on a valid IBAN of FR, MC, BE, IT, SM, ES or DE (GB has modulus_check instead); absent elsewhere, where checks.national_check_digits is not_checked. country is the IBAN country. scheme names the algorithm: fr_rib_key (FR and MC: the RIB key, the last two digits of the BBAN, over the bank code, branch code and account number), be_mod97 (BE: the last two digits, the first ten digits modulo 97, or 97 when the remainder is 0), it_cin (IT and SM: the CIN, the control letter at the start of the BBAN, over the ABI, CAB and account number), es_dc (ES: the two DC digits, positions 9 and 10 of the BBAN), de_pruefziffer (DE: the check digit of the 10-digit account number, computed by the method the Deutsche Bundesbank lists for the bank code in its Bankleitzahlendatei, named in method; the IBAN check digits already cover the whole BBAN, this says whether that bank could have issued the account number). status: pass (the key matches, so the account number is well formed; it does not prove the account exists or is open) or fail (the key does not match: this account number cannot have been issued as written, a typo or a made-up number). A fail never makes valid false, because the IBAN check digits are right: read the two separately, and confirm the details with the beneficiary before paying. not_applicable: a BBAN without the national layout, which a valid IBAN never has, or in DE a bank that uses no check digit (method 09) or a method that defines none for that range of account numbers. not_checked (DE only): the check did not run on our side, because the bank code is not in the Bundesbank file or its method is not checked here (method 44, and methods no bank uses); it says nothing about the beneficiary. verified_by (DE only, whenever the method ran): bundesbank_test_numbers (the method gives the expected answer on every test number and worked example the Bundesbank publishes; a fail adds the blocking step national_check_digits_failed) or independent_implementation (the Bundesbank publishes no test number for the method, which was verified against an independent implementation only; a fail adds the warning step national_check_digits_suspect and never stops a payment). detail, present on fail, not_applicable and not_checked, says which digits disagree or why nothing was checked; it never gives the expected key. In DE the block also carries method (the Bundesbank method code), verified_by, source (with the credit line the Bundesbank asks for) and table_fetched_on (the day the method table was read). checks.national_check_digits repeats status."

Previous value: -"Present on fail and not_applicable only."New value: +"Present on fail, not_applicable and not_checked."

Added value: +{
+  "description": "DE only: the Bundesbank check-digit method code of the bank code.",
+  "type": "string"
+}

Previous value: -"fr_rib_key | be_mod97 | it_cin | es_dc"New value: +"fr_rib_key | be_mod97 | it_cin | es_dc | de_pruefziffer"

Added value: +{
+  "description": "DE only: the source, with the credit line the Bundesbank asks for.",
+  "type": "string"
+}

Previous value: -"pass | fail | not_applicable"New value: +"pass | fail | not_applicable | not_checked"

Added value: +{
+  "description": "DE only: the day the method table was read (YYYY-MM-DD).",
+  "type": "string"
+}

Added value: +{
+  "description": "DE only: bundesbank_test_numbers (a fail is blocking) | independent_implementation (a fail is a warning, national_check_digits_suspect).",
+  "type": "string"
+}

Previous value: -"One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: the check key a country keeps inside the BBAN, a second check independent of mod-97. Checked for FR and MC (RIB key), BE (the last two digits, modulo 97), IT and SM (CIN) and ES (DC), with the proof in the national_check_digits block, and for GB (Vocalink modulus), with the proof in modulus_check; not_checked elsewhere (the German account-number methods are not checked yet). pass means the account number is well formed, never that the account exists; fail means it cannot have been issued as written, and valid stays true. A key may be added later; a key is never removed. Present only when valid is true."New value: +"One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: the check key a country keeps inside the BBAN, a second check independent of mod-97. Checked for FR and MC (RIB key), BE (the last two digits, modulo 97), IT and SM (CIN), ES (DC) and DE (the account-number check digit, by the method the Bundesbank lists for the bank code), with the proof in the national_check_digits block, and for GB (Vocalink modulus), with the proof in modulus_check; not_checked elsewhere. In DE it is not_checked when the bank code is not in the Bundesbank file or its method is not checked here, and not_applicable when the bank uses no check digit (method 09); national_check_digits.verified_by says whether a German verdict rests on the Bundesbank test numbers or on an independent implementation only. pass means the account number is well formed, never that the account exists; fail means it cannot have been issued as written, and valid stays true. A key may be added later; a key is never removed. Present only when valid is true."

Previous value: -"The check key a country keeps inside the BBAN, recomputed from the IBAN alone. Present only on a valid IBAN of FR, MC, BE, IT, SM or ES (GB has modulus_check instead); absent elsewhere, where checks.national_check_digits is not_checked. country is the IBAN country. scheme names the algorithm: fr_rib_key (FR and MC: the RIB key, the last two digits of the BBAN, over the bank code, branch code and account number), be_mod97 (BE: the last two digits, the first ten digits modulo 97, or 97 when the remainder is 0), it_cin (IT and SM: the CIN, the control letter at the start of the BBAN, over the ABI, CAB and account number), es_dc (ES: the two DC digits, positions 9 and 10 of the BBAN). status: pass (the key matches, so the account number is well formed; it does not prove the account exists or is open) or fail (the key does not match: this account number cannot have been issued as written, a typo or a made-up number). A fail never makes valid false, because the IBAN check digits are right: read the two separately, and confirm the details with the beneficiary before paying. not_applicable is reserved for a BBAN without the national layout, which a valid IBAN never has. detail, present on fail and not_applicable only, says which digits disagree; it never gives the expected key. checks.national_check_digits repeats status."New value: +"The check key a country keeps inside the BBAN, recomputed from the IBAN alone. Present only on a valid IBAN of FR, MC, BE, IT, SM, ES or DE (GB has modulus_check instead); absent elsewhere, where checks.national_check_digits is not_checked. country is the IBAN country. scheme names the algorithm: fr_rib_key (FR and MC: the RIB key, the last two digits of the BBAN, over the bank code, branch code and account number), be_mod97 (BE: the last two digits, the first ten digits modulo 97, or 97 when the remainder is 0), it_cin (IT and SM: the CIN, the control letter at the start of the BBAN, over the ABI, CAB and account number), es_dc (ES: the two DC digits, positions 9 and 10 of the BBAN), de_pruefziffer (DE: the check digit of the 10-digit account number, computed by the method the Deutsche Bundesbank lists for the bank code in its Bankleitzahlendatei, named in method; the IBAN check digits already cover the whole BBAN, this says whether that bank could have issued the account number). status: pass (the key matches, so the account number is well formed; it does not prove the account exists or is open) or fail (the key does not match: this account number cannot have been issued as written, a typo or a made-up number). A fail never makes valid false, because the IBAN check digits are right: read the two separately, and confirm the details with the beneficiary before paying. not_applicable: a BBAN without the national layout, which a valid IBAN never has, or in DE a bank that uses no check digit (method 09) or a method that defines none for that range of account numbers. not_checked (DE only): the check did not run on our side, because the bank code is not in the Bundesbank file or its method is not checked here (method 44, and methods no bank uses); it says nothing about the beneficiary. verified_by (DE only, whenever the method ran): bundesbank_test_numbers (the method gives the expected answer on every test number and worked example the Bundesbank publishes; a fail adds the blocking step national_check_digits_failed) or independent_implementation (the Bundesbank publishes no test number for the method, which was verified against an independent implementation only; a fail adds the warning step national_check_digits_suspect and never stops a payment). detail, present on fail, not_applicable and not_checked, says which digits disagree or why nothing was checked; it never gives the expected key. In DE the block also carries method (the Bundesbank method code), verified_by, source (with the credit line the Bundesbank asks for) and table_fetched_on (the day the method table was read). checks.national_check_digits repeats status."

Previous value: -"Present on fail and not_applicable only."New value: +"Present on fail, not_applicable and not_checked."

Added value: +{
+  "description": "DE only: the Bundesbank check-digit method code of the bank code.",
+  "type": "string"
+}

Previous value: -"fr_rib_key | be_mod97 | it_cin | es_dc"New value: +"fr_rib_key | be_mod97 | it_cin | es_dc | de_pruefziffer"

Added value: +{
+  "description": "DE only: the source, with the credit line the Bundesbank asks for.",
+  "type": "string"
+}

Previous value: -"pass | fail | not_applicable"New value: +"pass | fail | not_applicable | not_checked"

Added value: +{
+  "description": "DE only: the day the method table was read (YYYY-MM-DD).",
+  "type": "string"
+}

Added value: +{
+  "description": "DE only: bundesbank_test_numbers (a fail is blocking) | independent_implementation (a fail is a warning, national_check_digits_suspect).",
+  "type": "string"
+}

Previous value: -"listed | not_listed | no_bank | bank_code_not_allocated, or null. Whether the EPC scheme registers list the resolved BANK, never borrowed from the country (member, schemes and basis still describe the country and are unchanged). listed: the bank has rows in the SCT, SCT Inst or SDD register. not_listed: it has none (an absence from the register is not an exclusion from the scheme). no_bank: no BIC resolved for this bank code, so no bank could be looked up in the EPC registers (a register may still name the holder: see bank_code_holder and bank_code_check). bank_code_not_allocated: the national register says nobody holds the bank code. null: the registers are not loaded on this deployment (not consulted, never read as not_listed). Absent outside SEPA."New value: +"listed | not_listed | no_bank | bank_code_not_allocated, or null. Whether the EPC scheme registers list the resolved BANK, never borrowed from the country (member, schemes and basis still describe the country and are unchanged). listed: the bank has rows in the SCT, SCT Inst or SDD register. not_listed: it has none (an absence from the register is not an exclusion from the scheme). no_bank: no BIC resolved for this bank code, so no bank could be looked up in the EPC registers (a register may still name the holder: see bank_code_holder and bank_code_check). bank_code_not_allocated: the national register says nobody holds the bank code. null: the registers are not loaded on this deployment, or no bank was resolved because the bank-code check itself is unavailable (not consulted, never read as not_listed or no_bank). Absent outside SEPA."

Previous value: -"listed | not_listed | no_bank | bank_code_not_allocated, or null. Whether the EPC scheme registers list the resolved BANK, never borrowed from the country (member, schemes and basis still describe the country and are unchanged). listed: the bank has rows in the SCT, SCT Inst or SDD register. not_listed: it has none (an absence from the register is not an exclusion from the scheme). no_bank: no BIC resolved for this bank code, so no bank could be looked up in the EPC registers (a register may still name the holder: see bank_code_holder and bank_code_check). bank_code_not_allocated: the national register says nobody holds the bank code. null: the registers are not loaded on this deployment (not consulted, never read as not_listed). Absent outside SEPA."New value: +"listed | not_listed | no_bank | bank_code_not_allocated, or null. Whether the EPC scheme registers list the resolved BANK, never borrowed from the country (member, schemes and basis still describe the country and are unchanged). listed: the bank has rows in the SCT, SCT Inst or SDD register. not_listed: it has none (an absence from the register is not an exclusion from the scheme). no_bank: no BIC resolved for this bank code, so no bank could be looked up in the EPC registers (a register may still name the holder: see bank_code_holder and bank_code_check). bank_code_not_allocated: the national register says nobody holds the bank code. null: the registers are not loaded on this deployment, or no bank was resolved because the bank-code check itself is unavailable (not consulted, never read as not_listed or no_bank). Absent outside SEPA."

Added value: +{
+  "description": "Present only when found is false and the part of the directory served from a private file (EBA STEP2, NBP and OeNB records) is not loaded on this deployment: the absence was not looked up there.",
+  "type": "string"
+}

Previous value: -"listed | not_listed | no_bank | bank_code_not_allocated, or null. Whether the EPC scheme registers list the resolved BANK, never borrowed from the country (member, schemes and basis still describe the country and are unchanged). listed: the bank has rows in the SCT, SCT Inst or SDD register. not_listed: it has none (an absence from the register is not an exclusion from the scheme). no_bank: no BIC resolved for this bank code, so no bank could be looked up in the EPC registers (a register may still name the holder: see bank_code_holder and bank_code_check). bank_code_not_allocated: the national register says nobody holds the bank code. null: the registers are not loaded on this deployment (not consulted, never read as not_listed). Absent outside SEPA."New value: +"listed | not_listed | no_bank | bank_code_not_allocated, or null. Whether the EPC scheme registers list the resolved BANK, never borrowed from the country (member, schemes and basis still describe the country and are unchanged). listed: the bank has rows in the SCT, SCT Inst or SDD register. not_listed: it has none (an absence from the register is not an exclusion from the scheme). no_bank: no BIC resolved for this bank code, so no bank could be looked up in the EPC registers (a register may still name the holder: see bank_code_holder and bank_code_check). bank_code_not_allocated: the national register says nobody holds the bank code. null: the registers are not loaded on this deployment, or no bank was resolved because the bank-code check itself is unavailable (not consulted, never read as not_listed or no_bank). Absent outside SEPA."

Previous value: -"True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated."New value: +"True when a register says the code is leaving (DE, authoritative) or has been struck off (IT, authoritative false, with retired_on). Still a verified result: it WAS allocated. Never a refusal."

Added value: +{
+  "description": "YYYY-MM-DD, with retired where the register dates it (IT): the last day it lists this code for its last holder.",
+  "type": "string"
+}

Previous value: -"The bank code that takes over. Re-paper the beneficiary against it."New value: +"The bank code that takes over. DE: the successor the register designates, re-paper against it. IT: the legal successor by merger or incorporation, not necessarily the bank now holding the account."

Previous value: -"True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated."New value: +"True when a register says the code is leaving (DE, authoritative) or has been struck off (IT, authoritative false, with retired_on). Still a verified result: it WAS allocated. Never a refusal."

Added value: +{
+  "description": "YYYY-MM-DD, with retired where the register dates it (IT): the last day it lists this code for its last holder.",
+  "type": "string"
+}

Previous value: -"The bank code that takes over. Re-paper the beneficiary against it."New value: +"The bank code that takes over. DE: the successor the register designates, re-paper against it. IT: the legal successor by merger or incorporation, not necessarily the bank now holding the account."

Previous value: -"True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated."New value: +"True when a register says the code is leaving (DE, authoritative) or has been struck off (IT, authoritative false, with retired_on). Still a verified result: it WAS allocated. Never a refusal."

Added value: +{
+  "description": "YYYY-MM-DD, with retired where the register dates it (IT): the last day it lists this code for its last holder.",
+  "type": "string"
+}

Previous value: -"The bank code that takes over. Re-paper the beneficiary against it."New value: +"The bank code that takes over. DE: the successor the register designates, re-paper against it. IT: the legal successor by merger or incorporation, not necessarily the bank now holding the account."

Previous value: -"One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: checked for GB (Vocalink modulus); other countries are being added. A key may be added later; a key is never removed. Present only when valid is true."New value: +"One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: the check key a country keeps inside the BBAN, a second check independent of mod-97. Checked for FR and MC (RIB key), BE (the last two digits, modulo 97), IT and SM (CIN) and ES (DC), with the proof in the national_check_digits block, and for GB (Vocalink modulus), with the proof in modulus_check; not_checked elsewhere (the German account-number methods are not checked yet). pass means the account number is well formed, never that the account exists; fail means it cannot have been issued as written, and valid stays true. A key may be added later; a key is never removed. Present only when valid is true."

Added value: +{
+  "additionalProperties": false,
+  "description": "The check key a country keeps inside the BBAN, recomputed from the IBAN alone. Present only on a valid IBAN of FR, MC, BE, IT, SM or ES (GB has modulus_check instead); absent elsewhere, where checks.national_check_digits is not_checked. country is the IBAN country. scheme names the algorithm: fr_rib_key (FR and MC: the RIB key, the last two digits of the BBAN, over the bank code, branch code and account number), be_mod97 (BE: the last two digits, the first ten digits modulo 97, or 97 when the remainder is 0), it_cin (IT and SM: the CIN, the control letter at the start of the BBAN, over the ABI, CAB and account number), es_dc (ES: the two DC digits, positions 9 and 10 of the BBAN). status: pass (the key matches, so the account number is well formed; it does not prove the account exists or is open) or fail (the key does not match: this account number cannot have been issued as written, a typo or a made-up number). A fail never makes valid false, because the IBAN check digits are right: read the two separately, and confirm the details with the beneficiary before paying. not_applicable is reserved for a BBAN without the national layout, which a valid IBAN never has. detail, present on fail and not_applicable only, says which digits disagree; it never gives the expected key. checks.national_check_digits repeats status.",
+  "properties": {
+    "country": {
+      "description": "The IBAN country (MC stays MC, SM stays SM).",
+      "type": "string"
+    },
+    "detail": {
+      "description": "Present on fail and not_applicable only.",
+      "type": "string"
+    },
+    "scheme": {
+      "description": "fr_rib_key | be_mod97 | it_cin | es_dc",
+      "type": "string"
+    },
+    "status": {
+      "description": "pass | fail | not_applicable",
+      "type": "string"
+    }
+  },
+  "required": [
+    "country",
+    "scheme",
+    "status"
+  ],
+  "type": "object"
+}

Previous value: -"One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: checked for GB (Vocalink modulus); other countries are being added. A key may be added later; a key is never removed. Present only when valid is true."New value: +"One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: the check key a country keeps inside the BBAN, a second check independent of mod-97. Checked for FR and MC (RIB key), BE (the last two digits, modulo 97), IT and SM (CIN) and ES (DC), with the proof in the national_check_digits block, and for GB (Vocalink modulus), with the proof in modulus_check; not_checked elsewhere (the German account-number methods are not checked yet). pass means the account number is well formed, never that the account exists; fail means it cannot have been issued as written, and valid stays true. A key may be added later; a key is never removed. Present only when valid is true."

Added value: +{
+  "additionalProperties": false,
+  "description": "The check key a country keeps inside the BBAN, recomputed from the IBAN alone. Present only on a valid IBAN of FR, MC, BE, IT, SM or ES (GB has modulus_check instead); absent elsewhere, where checks.national_check_digits is not_checked. country is the IBAN country. scheme names the algorithm: fr_rib_key (FR and MC: the RIB key, the last two digits of the BBAN, over the bank code, branch code and account number), be_mod97 (BE: the last two digits, the first ten digits modulo 97, or 97 when the remainder is 0), it_cin (IT and SM: the CIN, the control letter at the start of the BBAN, over the ABI, CAB and account number), es_dc (ES: the two DC digits, positions 9 and 10 of the BBAN). status: pass (the key matches, so the account number is well formed; it does not prove the account exists or is open) or fail (the key does not match: this account number cannot have been issued as written, a typo or a made-up number). A fail never makes valid false, because the IBAN check digits are right: read the two separately, and confirm the details with the beneficiary before paying. not_applicable is reserved for a BBAN without the national layout, which a valid IBAN never has. detail, present on fail and not_applicable only, says which digits disagree; it never gives the expected key. checks.national_check_digits repeats status.",
+  "properties": {
+    "country": {
+      "description": "The IBAN country (MC stays MC, SM stays SM).",
+      "type": "string"
+    },
+    "detail": {
+      "description": "Present on fail and not_applicable only.",
+      "type": "string"
+    },
+    "scheme": {
+      "description": "fr_rib_key | be_mod97 | it_cin | es_dc",
+      "type": "string"
+    },
+    "status": {
+      "description": "pass | fail | not_applicable",
+      "type": "string"
+    }
+  },
+  "required": [
+    "country",
+    "scheme",
+    "status"
+  ],
+  "type": "object"
+}

Previous value: -"One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: checked for GB (Vocalink modulus); other countries are being added. A key may be added later; a key is never removed. Present only when valid is true."New value: +"One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: the check key a country keeps inside the BBAN, a second check independent of mod-97. Checked for FR and MC (RIB key), BE (the last two digits, modulo 97), IT and SM (CIN) and ES (DC), with the proof in the national_check_digits block, and for GB (Vocalink modulus), with the proof in modulus_check; not_checked elsewhere (the German account-number methods are not checked yet). pass means the account number is well formed, never that the account exists; fail means it cannot have been issued as written, and valid stays true. A key may be added later; a key is never removed. Present only when valid is true."

Added value: +{
+  "additionalProperties": false,
+  "description": "The check key a country keeps inside the BBAN, recomputed from the IBAN alone. Present only on a valid IBAN of FR, MC, BE, IT, SM or ES (GB has modulus_check instead); absent elsewhere, where checks.national_check_digits is not_checked. country is the IBAN country. scheme names the algorithm: fr_rib_key (FR and MC: the RIB key, the last two digits of the BBAN, over the bank code, branch code and account number), be_mod97 (BE: the last two digits, the first ten digits modulo 97, or 97 when the remainder is 0), it_cin (IT and SM: the CIN, the control letter at the start of the BBAN, over the ABI, CAB and account number), es_dc (ES: the two DC digits, positions 9 and 10 of the BBAN). status: pass (the key matches, so the account number is well formed; it does not prove the account exists or is open) or fail (the key does not match: this account number cannot have been issued as written, a typo or a made-up number). A fail never makes valid false, because the IBAN check digits are right: read the two separately, and confirm the details with the beneficiary before paying. not_applicable is reserved for a BBAN without the national layout, which a valid IBAN never has. detail, present on fail and not_applicable only, says which digits disagree; it never gives the expected key. checks.national_check_digits repeats status.",
+  "properties": {
+    "country": {
+      "description": "The IBAN country (MC stays MC, SM stays SM).",
+      "type": "string"
+    },
+    "detail": {
+      "description": "Present on fail and not_applicable only.",
+      "type": "string"
+    },
+    "scheme": {
+      "description": "fr_rib_key | be_mod97 | it_cin | es_dc",
+      "type": "string"
+    },
+    "status": {
+      "description": "pass | fail | not_applicable",
+      "type": "string"
+    }
+  },
+  "required": [
+    "country",
+    "scheme",
+    "status"
+  ],
+  "type": "object"
+}

Added value: +{
+  "description": "confirmed | inferred | not_allocated | unknown. Who holds the bank code. confirmed: a register that publishes holders names the holder of this code (a national register that settles the code space, or a partial register on a hit). inferred: we name a holder from a source that cannot settle it (our composite map, the prefix fallback, a published structural rule), so read it as our inference. not_allocated: the national register says nobody holds this code, so do not send. unknown: no conclusion. valid stays true in all four: it only means the IBAN is well formed. bank_code_check.status verified means resolved; this field says whether a source settles it.",
+  "type": "string"
+}

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "country": {
-                "type": "string"
-              },
-              "language": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "post_code": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "region": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "romanization": {
-                "enum": [
-                  "original_latin",
-                  "gleif_english",
-                  "unavailable"
-                ],
-                "type": "string"
-              },
-              "romanized": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "source": {
-                "type": "string"
-              },
-              "street": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "type": {
-                "const": "registered",
-                "type": "string"
-              }
-            },
-            "required": [
-              "type",
-              "street",
-              "post_code",
-              "region",
-              "city",
-              "country",
-              "romanized",
-              "romanization",
-              "source",
-              "language",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "as_of": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, SK, CZ, BG, CH, LI and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "bic8": {
-        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      },
-      "lei": {
-        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "lei_status": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "postal_address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "adr_line": {
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "bldg_nb": {
-                "type": "string"
-              },
-              "ctry": {
-                "type": "string"
-              },
-              "format": {
-                "enum": [
-                  "structured",
-                  "hybrid"
-                ],
-                "type": "string"
-              },
-              "pst_cd": {
-                "type": "string"
-              },
-              "source": {
-                "type": "string"
-              },
-              "strt_nm": {
-                "type": "string"
-              },
-              "twn_nm": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "twn_nm",
-              "ctry",
-              "format",
-              "source",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "redirected_from": {
-        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
-        "type": "string"
-      },
-      "source": {
-        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "source_as_of": {
-        "description": "Year-month the SOURCE DATA is from, present only when it differs from as_of. as_of dates the import; for the redistributed SWIFT directory the upstream stopped publishing years ago, so as_of alone presents an old bank name as last month's. Absent means no gap has been established, never \"this is current\".",
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, SK, CZ, BG, CH, LI and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "bic8": {
+        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "listed_in_current_source": {
+        "description": "Whether this BIC8 still appears in a list refreshed this cycle: GLEIF, the directory sources that carry no vintage, a national register, the EPC scheme registers. true when one of them carries it; null when it was not found in what could be read in full (never false by default). false is reserved for an index built from every list read in full, which is not the case today: the EBA STEP2 and NBP lists are only read through our deduplicated directory, so this field answers true or null. It does NOT prove the bank still exists under this name: a clearing list can keep the name of a bank that was absorbed.",
+        "type": [
+          "boolean",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "redirected_from": {
+        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
+        "type": "string"
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "source_as_of": {
+        "description": "Year-month the source DATA is from, present ONLY when it differs from as_of. On a curated_map or directory_prefix answer it dates the directory row that supplied the name, the city, the LEI or the address when that row comes from a frozen public copy; never present on a national_register answer, whose name comes from the register and is dated by as_of. Absent means no gap has been established, never 'this is current'.",
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +{
+  "additionalProperties": false,
+  "description": "One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: checked for GB (Vocalink modulus); other countries are being added. A key may be added later; a key is never removed. Present only when valid is true.",
+  "properties": {
+    "account_exists": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "bank_code": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "bic": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "country_sanctions": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "iban_checksum": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "iban_structure": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "institution_sanctions": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "national_check_digits": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "payee_name": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "payee_sanctions": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "sepa_reachability": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    }
+  },
+  "required": [
+    "iban_structure",
+    "iban_checksum",
+    "bank_code",
+    "bic",
+    "sepa_reachability",
+    "national_check_digits",
+    "account_exists",
+    "payee_name",
+    "institution_sanctions",
+    "country_sanctions",
+    "payee_sanctions"
+  ],
+  "type": "object"
+}

Added value: +{
+  "description": "listed | not_listed | no_bank | bank_code_not_allocated, or null. Whether the EPC scheme registers list the resolved BANK, never borrowed from the country (member, schemes and basis still describe the country and are unchanged). listed: the bank has rows in the SCT, SCT Inst or SDD register. not_listed: it has none (an absence from the register is not an exclusion from the scheme). no_bank: no BIC resolved for this bank code, so no bank could be looked up in the EPC registers (a register may still name the holder: see bank_code_holder and bank_code_check). bank_code_not_allocated: the national register says nobody holds the bank code. null: the registers are not loaded on this deployment (not consulted, never read as not_listed). Absent outside SEPA.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Added value: +{
+  "anyOf": [
+    {
+      "items": {
+        "type": "string"
+      },
+      "type": "array"
+    },
+    {
+      "type": "null"
+    }
+  ],
+  "description": "The bank's own schemes from the EPC registers when bank_reachability is listed; [] for an unallocated bank code; null otherwise."
+}

Added value: +{
+  "description": "active | pending | inactive | not_listed, or null. The bank's status in the EPC Verification of Payee register: active (the same as vop_participant true), pending, inactive, or not_listed when the register has no row for it; null when no BIC resolved or the register was not consulted (screened false). Outside the SEPA area the country answers instead of the register (not_listed on POST /v1/iban/compliance) whether or not the register is loaded; the validation carries no sepa.vop_register_status there. It says whether the payee's bank answers VoP requests; IBANforge never runs the name check itself.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Added value: +{
+  "description": "confirmed | inferred | not_allocated | unknown. Who holds the bank code. confirmed: a register that publishes holders names the holder of this code (a national register that settles the code space, or a partial register on a hit). inferred: we name a holder from a source that cannot settle it (our composite map, the prefix fallback, a published structural rule), so read it as our inference. not_allocated: the national register says nobody holds this code, so do not send. unknown: no conclusion. valid stays true in all four: it only means the IBAN is well formed. bank_code_check.status verified means resolved; this field says whether a source settles it.",
+  "type": "string"
+}

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "country": {
-                "type": "string"
-              },
-              "language": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "post_code": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "region": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "romanization": {
-                "enum": [
-                  "original_latin",
-                  "gleif_english",
-                  "unavailable"
-                ],
-                "type": "string"
-              },
-              "romanized": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "source": {
-                "type": "string"
-              },
-              "street": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "type": {
-                "const": "registered",
-                "type": "string"
-              }
-            },
-            "required": [
-              "type",
-              "street",
-              "post_code",
-              "region",
-              "city",
-              "country",
-              "romanized",
-              "romanization",
-              "source",
-              "language",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "as_of": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, SK, CZ, BG, CH, LI and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "bic8": {
-        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      },
-      "lei": {
-        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "lei_status": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "postal_address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "adr_line": {
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "bldg_nb": {
-                "type": "string"
-              },
-              "ctry": {
-                "type": "string"
-              },
-              "format": {
-                "enum": [
-                  "structured",
-                  "hybrid"
-                ],
-                "type": "string"
-              },
-              "pst_cd": {
-                "type": "string"
-              },
-              "source": {
-                "type": "string"
-              },
-              "strt_nm": {
-                "type": "string"
-              },
-              "twn_nm": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "twn_nm",
-              "ctry",
-              "format",
-              "source",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "redirected_from": {
-        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
-        "type": "string"
-      },
-      "source": {
-        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "source_as_of": {
-        "description": "Year-month the SOURCE DATA is from, present only when it differs from as_of. as_of dates the import; for the redistributed SWIFT directory the upstream stopped publishing years ago, so as_of alone presents an old bank name as last month's. Absent means no gap has been established, never \"this is current\".",
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, SK, CZ, BG, CH, LI and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "bic8": {
+        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "listed_in_current_source": {
+        "description": "Whether this BIC8 still appears in a list refreshed this cycle: GLEIF, the directory sources that carry no vintage, a national register, the EPC scheme registers. true when one of them carries it; null when it was not found in what could be read in full (never false by default). false is reserved for an index built from every list read in full, which is not the case today: the EBA STEP2 and NBP lists are only read through our deduplicated directory, so this field answers true or null. It does NOT prove the bank still exists under this name: a clearing list can keep the name of a bank that was absorbed.",
+        "type": [
+          "boolean",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "redirected_from": {
+        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
+        "type": "string"
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "source_as_of": {
+        "description": "Year-month the source DATA is from, present ONLY when it differs from as_of. On a curated_map or directory_prefix answer it dates the directory row that supplied the name, the city, the LEI or the address when that row comes from a frozen public copy; never present on a national_register answer, whose name comes from the register and is dated by as_of. Absent means no gap has been established, never 'this is current'.",
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +{
+  "additionalProperties": false,
+  "description": "One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: checked for GB (Vocalink modulus); other countries are being added. A key may be added later; a key is never removed. Present only when valid is true.",
+  "properties": {
+    "account_exists": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "bank_code": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "bic": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "country_sanctions": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "iban_checksum": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "iban_structure": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "institution_sanctions": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "national_check_digits": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "payee_name": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "payee_sanctions": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "sepa_reachability": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    }
+  },
+  "required": [
+    "iban_structure",
+    "iban_checksum",
+    "bank_code",
+    "bic",
+    "sepa_reachability",
+    "national_check_digits",
+    "account_exists",
+    "payee_name",
+    "institution_sanctions",
+    "country_sanctions",
+    "payee_sanctions"
+  ],
+  "type": "object"
+}

Added value: +{
+  "description": "At least one of the three schemes lists the bank; null when the EPC registers were not consulted (screened false). Outside the SEPA area the country answers (false) whether or not the registers are loaded.",
+  "type": [
+    "boolean",
+    "null"
+  ]
+}

Added value: +"False also when no bank was screened: read institution_listed."

Added value: +{
+  "description": "Whether the payee's BANK is on a sanctions list: bank_sanctioned when a bank was screened against every list this service names, null otherwise (never false without a screen).",
+  "type": [
+    "boolean",
+    "null"
+  ]
+}

Added value: +{
+  "description": "Always false: the payee (account holder) is never screened here.",
+  "type": "boolean"
+}

Added value: +{
+  "description": "active | pending | inactive | not_listed, or null. The bank's status in the EPC Verification of Payee register: active (the same as vop_participant true), pending, inactive, or not_listed when the register has no row for it; null when no BIC resolved or the register was not consulted (screened false). Outside the SEPA area the country answers instead of the register (not_listed on POST /v1/iban/compliance) whether or not the register is loaded; the validation carries no sepa.vop_register_status there. It says whether the payee's bank answers VoP requests; IBANforge never runs the name check itself.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Added value: +{
+  "description": "listed | not_listed | no_bank | bank_code_not_allocated, or null. Whether the EPC scheme registers list the resolved BANK, never borrowed from the country (member, schemes and basis still describe the country and are unchanged). listed: the bank has rows in the SCT, SCT Inst or SDD register. not_listed: it has none (an absence from the register is not an exclusion from the scheme). no_bank: no BIC resolved for this bank code, so no bank could be looked up in the EPC registers (a register may still name the holder: see bank_code_holder and bank_code_check). bank_code_not_allocated: the national register says nobody holds the bank code. null: the registers are not loaded on this deployment (not consulted, never read as not_listed). Absent outside SEPA.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Added value: +{
+  "anyOf": [
+    {
+      "items": {
+        "type": "string"
+      },
+      "type": "array"
+    },
+    {
+      "type": "null"
+    }
+  ],
+  "description": "The bank's own schemes from the EPC registers when bank_reachability is listed; [] for an unallocated bank code; null otherwise."
+}

Added value: +{
+  "description": "active | pending | inactive | not_listed, or null. The bank's status in the EPC Verification of Payee register: active (the same as vop_participant true), pending, inactive, or not_listed when the register has no row for it; null when no BIC resolved or the register was not consulted (screened false). Outside the SEPA area the country answers instead of the register (not_listed on POST /v1/iban/compliance) whether or not the register is loaded; the validation carries no sepa.vop_register_status there. It says whether the payee's bank answers VoP requests; IBANforge never runs the name check itself.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Added value: +"Null, never an empty string, when the source leaves the town blank."

Previous value: -"Same shape as REST GET /v1/bic/:code. name falls back to the country code when the row carries no name."New value: +"Same shape as REST GET /v1/bic/:code. name is the row's country name, then the ISO name, and falls back to the country code only when neither exists."

Previous value: -"DEPRECATED since 1.4.0, removed no earlier than 2027-01-01. Use country.name, which falls back to the code rather than to null."New value: +"DEPRECATED since 1.4.0, removed no earlier than 2027-01-01. Use country.name, which is never null: the row's country name, else the ISO name, else the code."

Added value: +"True only when the row names an institution: a record is complete or not found."

Added value: +{
+  "description": "Whether this BIC8 still appears in a list refreshed this cycle: GLEIF, the directory sources that carry no vintage, a national register, the EPC scheme registers. true when one of them carries it; null when it was not found in what could be read in full (never false by default). false is reserved for an index built from every list read in full, which is not the case today: the EBA STEP2 and NBP lists are only read through our deduplicated directory, so this field answers true or null. It does NOT prove the bank still exists under this name: a clearing list can keep the name of a bank that was absorbed.",
+  "type": [
+    "boolean",
+    "null"
+  ]
+}

Added value: +{
+  "description": "Code of the dataset this row comes from.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Added value: +{
+  "description": "Year-month the source DATA is from, present only for a frozen copy.",
+  "type": "string"
+}

Added value: +{
+  "description": "source names the dataset of this row and source_name spells it out; source_as_of is present only when that dataset is a copy frozen at that month. listed_in_current_source says whether this BIC8 still appears in a list refreshed this cycle (GLEIF, a national register, the EPC scheme registers, the EBA STEP2 and NBP lists): true when one of them carries it, null when it was not found in what could be read in full. It never answers false today: the EBA STEP2 and NBP lists are only read through our deduplicated directory, which can drop a BIC they carry, so an absence is not proven. It does not prove the bank still exists under this name.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Added value: +{
+  "description": "confirmed | inferred | not_allocated | unknown. Who holds the bank code. confirmed: a register that publishes holders names the holder of this code (a national register that settles the code space, or a partial register on a hit). inferred: we name a holder from a source that cannot settle it (our composite map, the prefix fallback, a published structural rule), so read it as our inference. not_allocated: the national register says nobody holds this code, so do not send. unknown: no conclusion. valid stays true in all four: it only means the IBAN is well formed. bank_code_check.status verified means resolved; this field says whether a source settles it.",
+  "type": "string"
+}

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "country": {
-                "type": "string"
-              },
-              "language": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "post_code": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "region": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "romanization": {
-                "enum": [
-                  "original_latin",
-                  "gleif_english",
-                  "unavailable"
-                ],
-                "type": "string"
-              },
-              "romanized": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "source": {
-                "type": "string"
-              },
-              "street": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "type": {
-                "const": "registered",
-                "type": "string"
-              }
-            },
-            "required": [
-              "type",
-              "street",
-              "post_code",
-              "region",
-              "city",
-              "country",
-              "romanized",
-              "romanization",
-              "source",
-              "language",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "as_of": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, SK, CZ, BG, CH, LI and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "bic8": {
-        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      },
-      "lei": {
-        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "lei_status": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "postal_address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "adr_line": {
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "bldg_nb": {
-                "type": "string"
-              },
-              "ctry": {
-                "type": "string"
-              },
-              "format": {
-                "enum": [
-                  "structured",
-                  "hybrid"
-                ],
-                "type": "string"
-              },
-              "pst_cd": {
-                "type": "string"
-              },
-              "source": {
-                "type": "string"
-              },
-              "strt_nm": {
-                "type": "string"
-              },
-              "twn_nm": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "twn_nm",
-              "ctry",
-              "format",
-              "source",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "redirected_from": {
-        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
-        "type": "string"
-      },
-      "source": {
-        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "source_as_of": {
-        "description": "Year-month the SOURCE DATA is from, present only when it differs from as_of. as_of dates the import; for the redistributed SWIFT directory the upstream stopped publishing years ago, so as_of alone presents an old bank name as last month's. Absent means no gap has been established, never \"this is current\".",
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, SK, CZ, BG, CH, LI and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "bic8": {
+        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "listed_in_current_source": {
+        "description": "Whether this BIC8 still appears in a list refreshed this cycle: GLEIF, the directory sources that carry no vintage, a national register, the EPC scheme registers. true when one of them carries it; null when it was not found in what could be read in full (never false by default). false is reserved for an index built from every list read in full, which is not the case today: the EBA STEP2 and NBP lists are only read through our deduplicated directory, so this field answers true or null. It does NOT prove the bank still exists under this name: a clearing list can keep the name of a bank that was absorbed.",
+        "type": [
+          "boolean",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "redirected_from": {
+        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
+        "type": "string"
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "source_as_of": {
+        "description": "Year-month the source DATA is from, present ONLY when it differs from as_of. On a curated_map or directory_prefix answer it dates the directory row that supplied the name, the city, the LEI or the address when that row comes from a frozen public copy; never present on a national_register answer, whose name comes from the register and is dated by as_of. Absent means no gap has been established, never 'this is current'.",
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +{
+  "additionalProperties": false,
+  "description": "One status per check: pass (checked against a source that settles it), fail (checked, and wrong), inferred (answered from a source that does not settle it), unknown (attempted, no conclusion), not_checked (IBANforge does not make this check here), not_applicable (the check has no object for this IBAN). payee_name: never checked here; the name check is made by the payee's bank through Verification of Payee (VoP), and sepa.vop_register_status says whether that bank answers VoP requests. account_exists: never checked here; only the payee's bank knows whether the account is open. payee_sanctions: never checked; the sanctions screen of POST /v1/iban/compliance is made on the payee's bank (BIC8) and country only. institution_sanctions and country_sanctions are filled by POST /v1/iban/compliance and not_checked on a validation. national_check_digits: checked for GB (Vocalink modulus); other countries are being added. A key may be added later; a key is never removed. Present only when valid is true.",
+  "properties": {
+    "account_exists": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "bank_code": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "bic": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "country_sanctions": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "iban_checksum": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "iban_structure": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "institution_sanctions": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "national_check_digits": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "payee_name": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "payee_sanctions": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    },
+    "sepa_reachability": {
+      "description": "pass | fail | inferred | unknown | not_checked | not_applicable",
+      "type": "string"
+    }
+  },
+  "required": [
+    "iban_structure",
+    "iban_checksum",
+    "bank_code",
+    "bic",
+    "sepa_reachability",
+    "national_check_digits",
+    "account_exists",
+    "payee_name",
+    "institution_sanctions",
+    "country_sanctions",
+    "payee_sanctions"
+  ],
+  "type": "object"
+}

Added value: +{
+  "description": "listed | not_listed | no_bank | bank_code_not_allocated, or null. Whether the EPC scheme registers list the resolved BANK, never borrowed from the country (member, schemes and basis still describe the country and are unchanged). listed: the bank has rows in the SCT, SCT Inst or SDD register. not_listed: it has none (an absence from the register is not an exclusion from the scheme). no_bank: no BIC resolved for this bank code, so no bank could be looked up in the EPC registers (a register may still name the holder: see bank_code_holder and bank_code_check). bank_code_not_allocated: the national register says nobody holds the bank code. null: the registers are not loaded on this deployment (not consulted, never read as not_listed). Absent outside SEPA.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Added value: +{
+  "anyOf": [
+    {
+      "items": {
+        "type": "string"
+      },
+      "type": "array"
+    },
+    {
+      "type": "null"
+    }
+  ],
+  "description": "The bank's own schemes from the EPC registers when bank_reachability is listed; [] for an unallocated bank code; null otherwise."
+}

Added value: +{
+  "description": "active | pending | inactive | not_listed, or null. The bank's status in the EPC Verification of Payee register: active (the same as vop_participant true), pending, inactive, or not_listed when the register has no row for it; null when no BIC resolved or the register was not consulted (screened false). Outside the SEPA area the country answers instead of the register (not_listed on POST /v1/iban/compliance) whether or not the register is loaded; the validation carries no sepa.vop_register_status there. It says whether the payee's bank answers VoP requests; IBANforge never runs the name check itself.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "country": {
-                "type": "string"
-              },
-              "language": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "post_code": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "region": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "romanization": {
-                "enum": [
-                  "original_latin",
-                  "gleif_english",
-                  "unavailable"
-                ],
-                "type": "string"
-              },
-              "romanized": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "source": {
-                "type": "string"
-              },
-              "street": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "type": {
-                "const": "registered",
-                "type": "string"
-              }
-            },
-            "required": [
-              "type",
-              "street",
-              "post_code",
-              "region",
-              "city",
-              "country",
-              "romanized",
-              "romanization",
-              "source",
-              "language",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "as_of": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today CH, LI, DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "bic8": {
-        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      },
-      "lei": {
-        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "lei_status": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "postal_address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "adr_line": {
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "bldg_nb": {
-                "type": "string"
-              },
-              "ctry": {
-                "type": "string"
-              },
-              "format": {
-                "enum": [
-                  "structured",
-                  "hybrid"
-                ],
-                "type": "string"
-              },
-              "pst_cd": {
-                "type": "string"
-              },
-              "source": {
-                "type": "string"
-              },
-              "strt_nm": {
-                "type": "string"
-              },
-              "twn_nm": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "twn_nm",
-              "ctry",
-              "format",
-              "source",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "redirected_from": {
-        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
-        "type": "string"
-      },
-      "source": {
-        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "source_as_of": {
-        "description": "Year-month the SOURCE DATA is from, present only when it differs from as_of. as_of dates the import; for the redistributed SWIFT directory the upstream stopped publishing years ago, so as_of alone presents an old bank name as last month's. Absent means no gap has been established, never \"this is current\".",
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, SK, CZ, BG, CH, LI and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "bic8": {
+        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "redirected_from": {
+        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
+        "type": "string"
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "source_as_of": {
+        "description": "Year-month the SOURCE DATA is from, present only when it differs from as_of. as_of dates the import; for the redistributed SWIFT directory the upstream stopped publishing years ago, so as_of alone presents an old bank name as last month's. Absent means no gap has been established, never \"this is current\".",
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved."New value: +"true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved, or the VoP register is not loaded (not consulted); a resolved bank outside the SEPA area is answered false from the country either way."

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "country": {
-                "type": "string"
-              },
-              "language": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "post_code": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "region": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "romanization": {
-                "enum": [
-                  "original_latin",
-                  "gleif_english",
-                  "unavailable"
-                ],
-                "type": "string"
-              },
-              "romanized": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "source": {
-                "type": "string"
-              },
-              "street": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "type": {
-                "const": "registered",
-                "type": "string"
-              }
-            },
-            "required": [
-              "type",
-              "street",
-              "post_code",
-              "region",
-              "city",
-              "country",
-              "romanized",
-              "romanization",
-              "source",
-              "language",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "as_of": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today CH, LI, DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "bic8": {
-        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      },
-      "lei": {
-        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "lei_status": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "postal_address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "adr_line": {
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "bldg_nb": {
-                "type": "string"
-              },
-              "ctry": {
-                "type": "string"
-              },
-              "format": {
-                "enum": [
-                  "structured",
-                  "hybrid"
-                ],
-                "type": "string"
-              },
-              "pst_cd": {
-                "type": "string"
-              },
-              "source": {
-                "type": "string"
-              },
-              "strt_nm": {
-                "type": "string"
-              },
-              "twn_nm": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "twn_nm",
-              "ctry",
-              "format",
-              "source",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "redirected_from": {
-        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
-        "type": "string"
-      },
-      "source": {
-        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "source_as_of": {
-        "description": "Year-month the SOURCE DATA is from, present only when it differs from as_of. as_of dates the import; for the redistributed SWIFT directory the upstream stopped publishing years ago, so as_of alone presents an old bank name as last month's. Absent means no gap has been established, never \"this is current\".",
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, SK, CZ, BG, CH, LI and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "bic8": {
+        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "redirected_from": {
+        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
+        "type": "string"
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "source_as_of": {
+        "description": "Year-month the SOURCE DATA is from, present only when it differs from as_of. as_of dates the import; for the redistributed SWIFT directory the upstream stopped publishing years ago, so as_of alone presents an old bank name as last month's. Absent means no gap has been established, never \"this is current\".",
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved."New value: +"true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved, or the VoP register is not loaded (not consulted); a resolved bank outside the SEPA area is answered false from the country either way."

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "country": {
-                "type": "string"
-              },
-              "language": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "post_code": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "region": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "romanization": {
-                "enum": [
-                  "original_latin",
-                  "gleif_english",
-                  "unavailable"
-                ],
-                "type": "string"
-              },
-              "romanized": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "source": {
-                "type": "string"
-              },
-              "street": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "type": {
-                "const": "registered",
-                "type": "string"
-              }
-            },
-            "required": [
-              "type",
-              "street",
-              "post_code",
-              "region",
-              "city",
-              "country",
-              "romanized",
-              "romanization",
-              "source",
-              "language",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "as_of": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today CH, LI, DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "bic8": {
-        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      },
-      "lei": {
-        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "lei_status": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "postal_address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "adr_line": {
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "bldg_nb": {
-                "type": "string"
-              },
-              "ctry": {
-                "type": "string"
-              },
-              "format": {
-                "enum": [
-                  "structured",
-                  "hybrid"
-                ],
-                "type": "string"
-              },
-              "pst_cd": {
-                "type": "string"
-              },
-              "source": {
-                "type": "string"
-              },
-              "strt_nm": {
-                "type": "string"
-              },
-              "twn_nm": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "twn_nm",
-              "ctry",
-              "format",
-              "source",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "redirected_from": {
-        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
-        "type": "string"
-      },
-      "source": {
-        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "source_as_of": {
-        "description": "Year-month the SOURCE DATA is from, present only when it differs from as_of. as_of dates the import; for the redistributed SWIFT directory the upstream stopped publishing years ago, so as_of alone presents an old bank name as last month's. Absent means no gap has been established, never \"this is current\".",
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, SK, CZ, BG, CH, LI and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "bic8": {
+        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "redirected_from": {
+        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
+        "type": "string"
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "source_as_of": {
+        "description": "Year-month the SOURCE DATA is from, present only when it differs from as_of. as_of dates the import; for the redistributed SWIFT directory the upstream stopped publishing years ago, so as_of alone presents an old bank name as last month's. Absent means no gap has been established, never \"this is current\".",
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -"true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved."New value: +"true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved, or the VoP register is not loaded (not consulted); a resolved bank outside the SEPA area is answered false from the country either way."

Previous value: -"string"New value: +[
+  "string",
+  "null"
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "country": {
-                "type": "string"
-              },
-              "language": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "post_code": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "region": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "romanization": {
-                "enum": [
-                  "original_latin",
-                  "gleif_english",
-                  "unavailable"
-                ],
-                "type": "string"
-              },
-              "romanized": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "source": {
-                "type": "string"
-              },
-              "street": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "type": {
-                "const": "registered",
-                "type": "string"
-              }
-            },
-            "required": [
-              "type",
-              "street",
-              "post_code",
-              "region",
-              "city",
-              "country",
-              "romanized",
-              "romanization",
-              "source",
-              "language",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "as_of": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today CH, LI, DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "bic8": {
-        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      },
-      "lei": {
-        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "lei_status": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "postal_address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "adr_line": {
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "bldg_nb": {
-                "type": "string"
-              },
-              "ctry": {
-                "type": "string"
-              },
-              "format": {
-                "enum": [
-                  "structured",
-                  "hybrid"
-                ],
-                "type": "string"
-              },
-              "pst_cd": {
-                "type": "string"
-              },
-              "source": {
-                "type": "string"
-              },
-              "strt_nm": {
-                "type": "string"
-              },
-              "twn_nm": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "twn_nm",
-              "ctry",
-              "format",
-              "source",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "redirected_from": {
-        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
-        "type": "string"
-      },
-      "source": {
-        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
-        "type": [
-          "string",
-          "null"
-        ]
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today CH, LI, DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "bic8": {
+        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "redirected_from": {
+        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
+        "type": "string"
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "source_as_of": {
+        "description": "Year-month the SOURCE DATA is from, present only when it differs from as_of. as_of dates the import; for the redistributed SWIFT directory the upstream stopped publishing years ago, so as_of alone presents an old bank name as last month's. Absent means no gap has been established, never \"this is current\".",
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "country": {
-                "type": "string"
-              },
-              "language": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "post_code": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "region": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "romanization": {
-                "enum": [
-                  "original_latin",
-                  "gleif_english",
-                  "unavailable"
-                ],
-                "type": "string"
-              },
-              "romanized": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "source": {
-                "type": "string"
-              },
-              "street": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "type": {
-                "const": "registered",
-                "type": "string"
-              }
-            },
-            "required": [
-              "type",
-              "street",
-              "post_code",
-              "region",
-              "city",
-              "country",
-              "romanized",
-              "romanization",
-              "source",
-              "language",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "as_of": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today CH, LI, DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "bic8": {
-        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      },
-      "lei": {
-        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "lei_status": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "postal_address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "adr_line": {
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "bldg_nb": {
-                "type": "string"
-              },
-              "ctry": {
-                "type": "string"
-              },
-              "format": {
-                "enum": [
-                  "structured",
-                  "hybrid"
-                ],
-                "type": "string"
-              },
-              "pst_cd": {
-                "type": "string"
-              },
-              "source": {
-                "type": "string"
-              },
-              "strt_nm": {
-                "type": "string"
-              },
-              "twn_nm": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "twn_nm",
-              "ctry",
-              "format",
-              "source",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "redirected_from": {
-        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
-        "type": "string"
-      },
-      "source": {
-        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
-        "type": [
-          "string",
-          "null"
-        ]
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today CH, LI, DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "bic8": {
+        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "redirected_from": {
+        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
+        "type": "string"
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "source_as_of": {
+        "description": "Year-month the SOURCE DATA is from, present only when it differs from as_of. as_of dates the import; for the redistributed SWIFT directory the upstream stopped publishing years ago, so as_of alone presents an old bank name as last month's. Absent means no gap has been established, never \"this is current\".",
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "country": {
-                "type": "string"
-              },
-              "language": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "post_code": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "region": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "romanization": {
-                "enum": [
-                  "original_latin",
-                  "gleif_english",
-                  "unavailable"
-                ],
-                "type": "string"
-              },
-              "romanized": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "source": {
-                "type": "string"
-              },
-              "street": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "type": {
-                "const": "registered",
-                "type": "string"
-              }
-            },
-            "required": [
-              "type",
-              "street",
-              "post_code",
-              "region",
-              "city",
-              "country",
-              "romanized",
-              "romanization",
-              "source",
-              "language",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "as_of": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today CH, LI, DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "bic8": {
-        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      },
-      "lei": {
-        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "lei_status": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "postal_address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "adr_line": {
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "bldg_nb": {
-                "type": "string"
-              },
-              "ctry": {
-                "type": "string"
-              },
-              "format": {
-                "enum": [
-                  "structured",
-                  "hybrid"
-                ],
-                "type": "string"
-              },
-              "pst_cd": {
-                "type": "string"
-              },
-              "source": {
-                "type": "string"
-              },
-              "strt_nm": {
-                "type": "string"
-              },
-              "twn_nm": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "twn_nm",
-              "ctry",
-              "format",
-              "source",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "redirected_from": {
-        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
-        "type": "string"
-      },
-      "source": {
-        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
-        "type": [
-          "string",
-          "null"
-        ]
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today CH, LI, DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "bic8": {
+        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "redirected_from": {
+        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
+        "type": "string"
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "source_as_of": {
+        "description": "Year-month the SOURCE DATA is from, present only when it differs from as_of. as_of dates the import; for the redistributed SWIFT directory the upstream stopped publishing years ago, so as_of alone presents an old bank name as last month's. Absent means no gap has been established, never \"this is current\".",
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "country": {
-                "type": "string"
-              },
-              "language": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "post_code": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "region": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "romanization": {
-                "enum": [
-                  "original_latin",
-                  "gleif_english",
-                  "unavailable"
-                ],
-                "type": "string"
-              },
-              "romanized": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "source": {
-                "type": "string"
-              },
-              "street": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "type": {
-                "const": "registered",
-                "type": "string"
-              }
-            },
-            "required": [
-              "type",
-              "street",
-              "post_code",
-              "region",
-              "city",
-              "country",
-              "romanized",
-              "romanization",
-              "source",
-              "language",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "as_of": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      },
-      "lei": {
-        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "lei_status": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "postal_address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "adr_line": {
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "bldg_nb": {
-                "type": "string"
-              },
-              "ctry": {
-                "type": "string"
-              },
-              "format": {
-                "enum": [
-                  "structured",
-                  "hybrid"
-                ],
-                "type": "string"
-              },
-              "pst_cd": {
-                "type": "string"
-              },
-              "source": {
-                "type": "string"
-              },
-              "strt_nm": {
-                "type": "string"
-              },
-              "twn_nm": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "twn_nm",
-              "ctry",
-              "format",
-              "source",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "source": {
-        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
-        "type": [
-          "string",
-          "null"
-        ]
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today CH, LI, DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "bic8": {
+        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "redirected_from": {
+        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
+        "type": "string"
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "country": {
-                "type": "string"
-              },
-              "language": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "post_code": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "region": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "romanization": {
-                "enum": [
-                  "original_latin",
-                  "gleif_english",
-                  "unavailable"
-                ],
-                "type": "string"
-              },
-              "romanized": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "source": {
-                "type": "string"
-              },
-              "street": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "type": {
-                "const": "registered",
-                "type": "string"
-              }
-            },
-            "required": [
-              "type",
-              "street",
-              "post_code",
-              "region",
-              "city",
-              "country",
-              "romanized",
-              "romanization",
-              "source",
-              "language",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "as_of": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      },
-      "lei": {
-        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "lei_status": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "postal_address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "adr_line": {
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "bldg_nb": {
-                "type": "string"
-              },
-              "ctry": {
-                "type": "string"
-              },
-              "format": {
-                "enum": [
-                  "structured",
-                  "hybrid"
-                ],
-                "type": "string"
-              },
-              "pst_cd": {
-                "type": "string"
-              },
-              "source": {
-                "type": "string"
-              },
-              "strt_nm": {
-                "type": "string"
-              },
-              "twn_nm": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "twn_nm",
-              "ctry",
-              "format",
-              "source",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "source": {
-        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
-        "type": [
-          "string",
-          "null"
-        ]
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today CH, LI, DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "bic8": {
+        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "redirected_from": {
+        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
+        "type": "string"
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "city": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "country": {
-                "type": "string"
-              },
-              "language": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "post_code": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "region": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "romanization": {
-                "enum": [
-                  "original_latin",
-                  "gleif_english",
-                  "unavailable"
-                ],
-                "type": "string"
-              },
-              "romanized": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "source": {
-                "type": "string"
-              },
-              "street": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "type": {
-                "const": "registered",
-                "type": "string"
-              }
-            },
-            "required": [
-              "type",
-              "street",
-              "post_code",
-              "region",
-              "city",
-              "country",
-              "romanized",
-              "romanization",
-              "source",
-              "language",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "as_of": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      },
-      "lei": {
-        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "lei_status": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "postal_address": {
-        "anyOf": [
-          {
-            "additionalProperties": false,
-            "properties": {
-              "adr_line": {
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "as_of": {
-                "type": [
-                  "string",
-                  "null"
-                ]
-              },
-              "bldg_nb": {
-                "type": "string"
-              },
-              "ctry": {
-                "type": "string"
-              },
-              "format": {
-                "enum": [
-                  "structured",
-                  "hybrid"
-                ],
-                "type": "string"
-              },
-              "pst_cd": {
-                "type": "string"
-              },
-              "source": {
-                "type": "string"
-              },
-              "strt_nm": {
-                "type": "string"
-              },
-              "twn_nm": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "twn_nm",
-              "ctry",
-              "format",
-              "source",
-              "as_of"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "source": {
-        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
-        "type": [
-          "string",
-          "null"
-        ]
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. San Marino is where the two part: the pairing is the supervisor’s, the code space is not its to settle.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today CH, LI, DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "bic8": {
+        "description": "The eight characters of the institution — the field to compare a supplied BIC against. code is served as the consulted source publishes it, so it is 8 or 11 characters; this one never moves. The branch code (last three characters) is informational: in a cooperative network it names the LOCAL bank and the first eight its clearing institution.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "redirected_from": {
+        "description": "The bank code asked about, when the register answered for the one that took over its clearing (CH/LI only today: SIX marks an IID concatenated and publishes its successor). The IBAN stays valid — a redirect is not a retirement.",
+        "type": "string"
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "algorithm": {
+      "type": "string"
+    },
+    "valid": {
+      "type": "boolean"
+    }
+  },
+  "required": [
+    "valid",
+    "algorithm"
+  ],
+  "type": "object"
+}

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "country": {
+      "type": "string"
+    },
+    "lei": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "name": {
+      "type": "string"
+    },
+    "post_code": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "street": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "town": {
+      "type": [
+        "string",
+        "null"
+      ]
+    }
+  },
+  "required": [
+    "name",
+    "street",
+    "post_code",
+    "town",
+    "country"
+  ],
+  "type": "object"
+}

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +{
+  "type": "string"
+}

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "eurosic": {
-        "type": "boolean"
-      },
-      "iid": {
-        "type": "string"
-      },
-      "instant_payments_chf": {
-        "type": "boolean"
-      },
-      "name": {
-        "type": "string"
-      },
-      "qr_iid": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "sic": {
-        "type": "boolean"
-      },
-      "town": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "type": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "iid",
-      "name",
-      "type",
-      "town",
-      "sic",
-      "instant_payments_chf",
-      "eurosic",
-      "qr_iid"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "eurosic": {
+        "type": "boolean"
+      },
+      "iid": {
+        "type": "string"
+      },
+      "instant_payments_chf": {
+        "type": "boolean"
+      },
+      "is_qr_iid": {
+        "type": "boolean"
+      },
+      "name": {
+        "type": "string"
+      },
+      "qr_iid": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "qr_iid_source": {
+        "anyOf": [
+          {
+            "enum": [
+              "register",
+              "headquarters"
+            ],
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "qr_iids": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "sic": {
+        "type": "boolean"
+      },
+      "town": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "type": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "iid",
+      "name",
+      "type",
+      "town",
+      "sic",
+      "instant_payments_chf",
+      "eurosic",
+      "qr_iid",
+      "qr_iid_source"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +"Swiss clearing data when country is CH or LI."

Previous value: -"What THIS IBAN was billed. Zero on the free MCP tier."New value: +"What THIS call was billed. Zero on the free MCP tier."

Added value: +"ISO 3166-1 alpha-2 country code."

Added value: +{
+  "description": "IBAN with 4-char groups for display.",
+  "type": "string"
+}

Added value: +"Normalized IBAN (uppercase, no spaces)."

Added value: +"curated | register | default. Whether the type was established or assumed. curated = the BIC8 is in the issuer set, so this is an identification. register = an official register names the holder of this bank code and says what it is; it carries a date and an authority in psd_registration, and it only ever replaces a default. default = nothing is on file and \"bank\" is the fallback, which covers 97.9% of BIC8 (measured 29/07/2026). Count curated and register when sizing virtual-IBAN exposure, never default."

Added value: +{
+  "enum": [
+    "confirmed",
+    "not_listed"
+  ],
+  "type": "string"
+}

Added value: +"bank | digital_bank | emi | payment_institution; null when unsubstantiated"

Previous value: -"string"New value: +[
+  "string",
+  "null"
+]

Previous value: -"Catalogue price per IBAN on the paid REST/x402 route."New value: +"Catalogue price of the same call on the paid REST/x402 route."

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "checked": {
+      "type": "boolean"
+    },
+    "passed": {
+      "type": [
+        "boolean",
+        "null"
+      ]
+    },
+    "source": {
+      "type": "string"
+    },
+    "table_fetched_on": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "checked",
+    "passed",
+    "source",
+    "table_fetched_on"
+  ],
+  "type": "object"
+}

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "authorised": {
+      "const": true,
+      "type": "boolean"
+    },
+    "basis": {
+      "type": "string"
+    },
+    "firm_name": {
+      "type": "string"
+    },
+    "frn": {
+      "type": "string"
+    },
+    "list_month": {
+      "type": "string"
+    },
+    "section": {
+      "type": "string"
+    },
+    "source": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "authorised",
+    "firm_name",
+    "frn",
+    "section",
+    "basis",
+    "source",
+    "list_month"
+  ],
+  "type": "object"
+}

Added value: +{
+  "type": "number"
+}

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "as_of": {
+      "type": "string"
+    },
+    "competent_authority": {
+      "type": "string"
+    },
+    "country": {
+      "type": "string"
+    },
+    "entity_type": {
+      "type": "string"
+    },
+    "name": {
+      "type": "string"
+    },
+    "registered": {
+      "const": true,
+      "type": "boolean"
+    },
+    "source": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "registered",
+    "entity_type",
+    "name",
+    "country",
+    "competent_authority",
+    "source",
+    "as_of"
+  ],
+  "type": "object"
+}

Added value: +"Null when no institution resolved — it no longer defaults to \"bank\"."

Added value: +"Scope the reachability holds at. Country-derived, not account-derived."

Added value: +"Where `schemes` came from: read at the EPC register for this bank, or defaulted from the country."

Added value: +"true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved."

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "algorithm": {
+      "type": "string"
+    },
+    "valid": {
+      "type": "boolean"
+    }
+  },
+  "required": [
+    "valid",
+    "algorithm"
+  ],
+  "type": "object"
+}

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "country": {
+      "type": "string"
+    },
+    "lei": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "name": {
+      "type": "string"
+    },
+    "post_code": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "street": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "town": {
+      "type": [
+        "string",
+        "null"
+      ]
+    }
+  },
+  "required": [
+    "name",
+    "street",
+    "post_code",
+    "town",
+    "country"
+  ],
+  "type": "object"
+}

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "account_number": {
+      "type": "string"
+    },
+    "bank_code": {
+      "type": "string"
+    },
+    "branch_code": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "bank_code",
+    "account_number"
+  ],
+  "type": "object"
+}

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +{
+  "type": "string"
+}

Added value: +{
+  "anyOf": [
+    {
+      "additionalProperties": false,
+      "properties": {
+        "eurosic": {
+          "type": "boolean"
+        },
+        "iid": {
+          "type": "string"
+        },
+        "instant_payments_chf": {
+          "type": "boolean"
+        },
+        "is_qr_iid": {
+          "type": "boolean"
+        },
+        "name": {
+          "type": "string"
+        },
+        "qr_iid": {
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "qr_iid_source": {
+          "anyOf": [
+            {
+              "enum": [
+                "register",
+                "headquarters"
+              ],
+              "type": "string"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "qr_iids": {
+          "items": {
+            "type": "string"
+          },
+          "type": "array"
+        },
+        "sic": {
+          "type": "boolean"
+        },
+        "town": {
+          "type": [
+            "string",
+            "null"
+          ]
+        },
+        "type": {
+          "type": "string"
+        }
+      },
+      "required": [
+        "iid",
+        "name",
+        "type",
+        "town",
+        "sic",
+        "instant_payments_chf",
+        "eurosic",
+        "qr_iid",
+        "qr_iid_source"
+      ],
+      "type": "object"
+    },
+    {
+      "type": "null"
+    }
+  ],
+  "description": "Swiss clearing data when country is CH or LI."
+}

Added value: +{
+  "type": "boolean"
+}

Previous value: -[
-  "sepa_instant",
-  "sct",
-  "sdd"
-]New value: +[
+  "screened",
+  "sepa_instant",
+  "sct",
+  "sdd"
+]

Added value: +{
+  "description": "False means no bank was screened; do not interpret bank_sanctioned as a finding.",
+  "type": "boolean"
+}

Previous value: -[
-  "country_sanctioned",
-  "bank_sanctioned",
-  "matched_lists",
-  "fatf_status"
-]New value: +[
+  "bank_screened",
+  "country_sanctioned",
+  "bank_sanctioned",
+  "matched_lists",
+  "fatf_status"
+]

Added value: +{
+  "type": "boolean"
+}

Previous value: -[
-  "participant",
-  "status"
-]New value: +[
+  "screened",
+  "participant",
+  "status"
+]

Added value: +"ISO 3166-1 alpha-2 country code."

Added value: +{
+  "description": "IBAN with 4-char groups for display.",
+  "type": "string"
+}

Added value: +"Normalized IBAN (uppercase, no spaces)."

Added value: +"curated | register | default. Whether the type was established or assumed. curated = the BIC8 is in the issuer set, so this is an identification. register = an official register names the holder of this bank code and says what it is; it carries a date and an authority in psd_registration, and it only ever replaces a default. default = nothing is on file and \"bank\" is the fallback, which covers 97.9% of BIC8 (measured 29/07/2026). Count curated and register when sizing virtual-IBAN exposure, never default."

Added value: +{
+  "enum": [
+    "confirmed",
+    "not_listed"
+  ],
+  "type": "string"
+}

Added value: +"bank | digital_bank | emi | payment_institution; null when unsubstantiated"

Previous value: -"string"New value: +[
+  "string",
+  "null"
+]

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "checked": {
+      "type": "boolean"
+    },
+    "passed": {
+      "type": [
+        "boolean",
+        "null"
+      ]
+    },
+    "source": {
+      "type": "string"
+    },
+    "table_fetched_on": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "checked",
+    "passed",
+    "source",
+    "table_fetched_on"
+  ],
+  "type": "object"
+}

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "authorised": {
+      "const": true,
+      "type": "boolean"
+    },
+    "basis": {
+      "type": "string"
+    },
+    "firm_name": {
+      "type": "string"
+    },
+    "frn": {
+      "type": "string"
+    },
+    "list_month": {
+      "type": "string"
+    },
+    "section": {
+      "type": "string"
+    },
+    "source": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "authorised",
+    "firm_name",
+    "frn",
+    "section",
+    "basis",
+    "source",
+    "list_month"
+  ],
+  "type": "object"
+}

Added value: +{
+  "type": "number"
+}

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "as_of": {
+      "type": "string"
+    },
+    "competent_authority": {
+      "type": "string"
+    },
+    "country": {
+      "type": "string"
+    },
+    "entity_type": {
+      "type": "string"
+    },
+    "name": {
+      "type": "string"
+    },
+    "registered": {
+      "const": true,
+      "type": "boolean"
+    },
+    "source": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "registered",
+    "entity_type",
+    "name",
+    "country",
+    "competent_authority",
+    "source",
+    "as_of"
+  ],
+  "type": "object"
+}

Added value: +{
+  "description": "Where `schemes` came from: read at the EPC register for this bank, or defaulted from the country.",
+  "enum": [
+    "country_default",
+    "epc_register"
+  ],
+  "type": "string"
+}

Added value: +{
+  "description": "true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved.",
+  "type": [
+    "boolean",
+    "null"
+  ]
+}

Previous value: -[
-  "iban",
-  "valid",
-  "compliance",
-  "meta",
-  "cost_usdc"
-]New value: +[
+  "iban",
+  "valid",
+  "cost_usdc",
+  "compliance",
+  "meta"
+]

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "algorithm": {
+      "type": "string"
+    },
+    "valid": {
+      "type": "boolean"
+    }
+  },
+  "required": [
+    "valid",
+    "algorithm"
+  ],
+  "type": "object"
+}

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "country": {
+      "type": "string"
+    },
+    "lei": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "name": {
+      "type": "string"
+    },
+    "post_code": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "street": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "town": {
+      "type": [
+        "string",
+        "null"
+      ]
+    }
+  },
+  "required": [
+    "name",
+    "street",
+    "post_code",
+    "town",
+    "country"
+  ],
+  "type": "object"
+}

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "city": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "country": {
+                "type": "string"
+              },
+              "language": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "post_code": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "region": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "romanization": {
+                "enum": [
+                  "original_latin",
+                  "gleif_english",
+                  "unavailable"
+                ],
+                "type": "string"
+              },
+              "romanized": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "source": {
+                "type": "string"
+              },
+              "street": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "type": {
+                "const": "registered",
+                "type": "string"
+              }
+            },
+            "required": [
+              "type",
+              "street",
+              "post_code",
+              "region",
+              "city",
+              "country",
+              "romanized",
+              "romanization",
+              "source",
+              "language",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "as_of": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      },
+      "lei": {
+        "description": "GLEIF identity of the resolved BIC holder, not necessarily the bank-code holder.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "lei_status": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "postal_address": {
+        "anyOf": [
+          {
+            "additionalProperties": false,
+            "properties": {
+              "adr_line": {
+                "items": {
+                  "type": "string"
+                },
+                "type": "array"
+              },
+              "as_of": {
+                "type": [
+                  "string",
+                  "null"
+                ]
+              },
+              "bldg_nb": {
+                "type": "string"
+              },
+              "ctry": {
+                "type": "string"
+              },
+              "format": {
+                "enum": [
+                  "structured",
+                  "hybrid"
+                ],
+                "type": "string"
+              },
+              "pst_cd": {
+                "type": "string"
+              },
+              "source": {
+                "type": "string"
+              },
+              "strt_nm": {
+                "type": "string"
+              },
+              "twn_nm": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "twn_nm",
+              "ctry",
+              "format",
+              "source",
+              "as_of"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "source": {
+        "description": "Source of the bank-code/BIC pairing; keep its provenance.",
+        "type": [
+          "string",
+          "null"
+        ]
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Removed value: -"Resolved BIC/SWIFT when BBAN→BIC mapping exists. Read basis before storing it as a routing instruction: only a national_register pairing is settlement-grade."

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "eurosic": {
-        "type": "boolean"
-      },
-      "iid": {
-        "type": "string"
-      },
-      "instant_payments_chf": {
-        "type": "boolean"
-      },
-      "name": {
-        "type": "string"
-      },
-      "qr_iid": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "sic": {
-        "type": "boolean"
-      },
-      "town": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "type": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "iid",
-      "name",
-      "type",
-      "town",
-      "sic",
-      "instant_payments_chf",
-      "eurosic",
-      "qr_iid"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "eurosic": {
+        "type": "boolean"
+      },
+      "iid": {
+        "type": "string"
+      },
+      "instant_payments_chf": {
+        "type": "boolean"
+      },
+      "is_qr_iid": {
+        "type": "boolean"
+      },
+      "name": {
+        "type": "string"
+      },
+      "qr_iid": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "qr_iid_source": {
+        "anyOf": [
+          {
+            "enum": [
+              "register",
+              "headquarters"
+            ],
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "qr_iids": {
+        "items": {
+          "type": "string"
+        },
+        "type": "array"
+      },
+      "sic": {
+        "type": "boolean"
+      },
+      "town": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "type": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "iid",
+      "name",
+      "type",
+      "town",
+      "sic",
+      "instant_payments_chf",
+      "eurosic",
+      "qr_iid",
+      "qr_iid_source"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Added value: +{
+  "enum": [
+    "confirmed",
+    "not_listed"
+  ],
+  "type": "string"
+}

Previous value: -"bank | digital_bank | emi | payment_institution"New value: +"bank | digital_bank | emi | payment_institution; null when unsubstantiated"

Previous value: -"string"New value: +[
+  "string",
+  "null"
+]

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "checked": {
+      "type": "boolean"
+    },
+    "passed": {
+      "type": [
+        "boolean",
+        "null"
+      ]
+    },
+    "source": {
+      "type": "string"
+    },
+    "table_fetched_on": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "checked",
+    "passed",
+    "source",
+    "table_fetched_on"
+  ],
+  "type": "object"
+}

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "authorised": {
+      "const": true,
+      "type": "boolean"
+    },
+    "basis": {
+      "type": "string"
+    },
+    "firm_name": {
+      "type": "string"
+    },
+    "frn": {
+      "type": "string"
+    },
+    "list_month": {
+      "type": "string"
+    },
+    "section": {
+      "type": "string"
+    },
+    "source": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "authorised",
+    "firm_name",
+    "frn",
+    "section",
+    "basis",
+    "source",
+    "list_month"
+  ],
+  "type": "object"
+}

Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "as_of": {
+      "type": "string"
+    },
+    "competent_authority": {
+      "type": "string"
+    },
+    "country": {
+      "type": "string"
+    },
+    "entity_type": {
+      "type": "string"
+    },
+    "name": {
+      "type": "string"
+    },
+    "registered": {
+      "const": true,
+      "type": "boolean"
+    },
+    "source": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "registered",
+    "entity_type",
+    "name",
+    "country",
+    "competent_authority",
+    "source",
+    "as_of"
+  ],
+  "type": "object"
+}

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE and BG; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE and BG; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE and BG; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "city": {
-        "type": [
-          "string",
-          "null"
-        ]
-      },
-      "code": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE, BG, SK and SM; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "anyOf": [
-          {
-            "type": "string"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE and BG; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "city": {
-        "anyOf": [
-          {
-            "type": "string"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "code": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE and BG; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "eurosic": {
-        "type": "boolean"
-      },
-      "iid": {
-        "type": "string"
-      },
-      "instant_payments_chf": {
-        "type": "boolean"
-      },
-      "name": {
-        "type": "string"
-      },
-      "qr_iid": {
-        "anyOf": [
-          {
-            "type": "string"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "sic": {
-        "type": "boolean"
-      },
-      "town": {
-        "anyOf": [
-          {
-            "type": "string"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "type": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "iid",
-      "name",
-      "type",
-      "town",
-      "sic",
-      "instant_payments_chf",
-      "eurosic",
-      "qr_iid"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "eurosic": {
+        "type": "boolean"
+      },
+      "iid": {
+        "type": "string"
+      },
+      "instant_payments_chf": {
+        "type": "boolean"
+      },
+      "name": {
+        "type": "string"
+      },
+      "qr_iid": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "sic": {
+        "type": "boolean"
+      },
+      "town": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "type": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "iid",
+      "name",
+      "type",
+      "town",
+      "sic",
+      "instant_payments_chf",
+      "eurosic",
+      "qr_iid"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "boolean"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "boolean",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "anyOf": [
-          {
-            "type": "string"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE and BG; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "city": {
-        "anyOf": [
-          {
-            "type": "string"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "code": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE and BG; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "authoritative": {
-        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
-        "type": "boolean"
-      },
-      "bank_name": {
-        "anyOf": [
-          {
-            "type": "string"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "basis": {
-        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE and BG; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
-        "type": "string"
-      },
-      "city": {
-        "anyOf": [
-          {
-            "type": "string"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "code": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "code",
-      "bank_name",
-      "city"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "authoritative": {
+        "description": "Whether this BIC may be stored and settled against. Derived from basis, so the two cannot disagree. NOT bank_code_check.authoritative, which answers a different question — whether a national register was consulted about the BANK CODE. In Switzerland the register confirms the code while the BIC still comes from our curated map.",
+        "type": "boolean"
+      },
+      "bank_name": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "basis": {
+        "description": "Where the bank code to BIC pairing came from, and therefore what may be done with the BIC. national_register (the country register publishes this BIC for this bank code — today DE, AT, BE and BG; settlement-grade) | curated_map (our maintained bank-code map, exact key, usually right and not an allocation record) | directory_prefix (the bic8 LIKE fallback, which can match several institutions — read bank_code_check.candidates). Outside a national_register basis the BIC is ADVISORY: confirm it with the beneficiary or the bank before storing it as a routing instruction.",
+        "type": "string"
+      },
+      "city": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "code": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "bank_name",
+      "city"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "eurosic": {
-        "type": "boolean"
-      },
-      "iid": {
-        "type": "string"
-      },
-      "instant_payments_chf": {
-        "type": "boolean"
-      },
-      "name": {
-        "type": "string"
-      },
-      "qr_iid": {
-        "anyOf": [
-          {
-            "type": "string"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "sic": {
-        "type": "boolean"
-      },
-      "town": {
-        "anyOf": [
-          {
-            "type": "string"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "type": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "iid",
-      "name",
-      "type",
-      "town",
-      "sic",
-      "instant_payments_chf",
-      "eurosic",
-      "qr_iid"
-    ],
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "additionalProperties": false,
+    "properties": {
+      "eurosic": {
+        "type": "boolean"
+      },
+      "iid": {
+        "type": "string"
+      },
+      "instant_payments_chf": {
+        "type": "boolean"
+      },
+      "name": {
+        "type": "string"
+      },
+      "qr_iid": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "sic": {
+        "type": "boolean"
+      },
+      "town": {
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "type": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "iid",
+      "name",
+      "type",
+      "town",
+      "sic",
+      "instant_payments_chf",
+      "eurosic",
+      "qr_iid"
+    ],
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "boolean"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "boolean",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "string",
+  "null"
+]

Removed value: -[
-  {
-    "type": "boolean"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "boolean",
+  "null"
+]

Added value: +"What THIS IBAN was billed. Zero on the free MCP tier."

Added value: +{
+  "description": "Catalogue price per IBAN on the paid REST/x402 route.",
+  "type": "number"
+}

Added value: +{
+  "enum": [
+    "country_default",
+    "epc_register"
+  ],
+  "type": "string"
+}

Added value: +"What THIS call was billed. Zero on the free MCP tier."

Added value: +{
+  "description": "Catalogue price of the same call on the paid REST/x402 route.",
+  "type": "number"
+}

Added value: +"What THIS call was billed. Zero on the free MCP tier."

Added value: +{
+  "description": "Catalogue price of the same call on the paid REST/x402 route.",
+  "type": "number"
+}

Added value: +"What THIS call was billed. Zero on the free MCP tier."

Added value: +{
+  "description": "Catalogue price of the same call on the paid REST/x402 route.",
+  "type": "number"
+}

Added value: +{
+  "description": "Where `schemes` came from: read at the EPC register for this bank, or defaulted from the country.",
+  "enum": [
+    "country_default",
+    "epc_register"
+  ],
+  "type": "string"
+}