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ibanforge

by io.github.cammac-creator
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Compliance Check

check_compliance
Read-onlyIdempotent

Run a pre-flight compliance triage on an IBAN before sending a SEPA / cross-border payment. USE WHEN: the user is about to send a payment / payout / refund and wants to triage risk first, asks whether the payee's bank or its country is under sanctions, asks if a SEPA Instant transfer can reach the bank, or needs a numeric risk score for an internal payment-approval workflow. NOT A REGULATED AML/CFT PRODUCT — informational triage only. For regulated screening use Refinitiv, Acuris, or ComplyAdvantage. CHECKS: IBAN validity + sanctions lists (OFAC, EU, UN) matched on the payee's bank (BIC8), the country checked against a fixed list of sanctioned jurisdictions, never the payee's name + FATF status + SEPA Instant reachability + whether the EPC Verification of Payee (VoP) register lists the bank as ready; the name check itself is done by the payee's bank, never here. RETURNS: the full validate enrichment plus a compliance object with risk_score (0-100, 0 = safest), risk_level (low/medium/elevated/high/critical), sanctions matched_lists + fatf_status, reachability, vop status, and flags[] (e.g. sanctioned_country, fatf_grey_list, emi_issuer, no_vop). compliance.sanctions.institution_listed says whether the payee's bank is on a list (null when no bank was screened, where bank_sanctioned still answers false) and payee_screened is always false; compliance.reachability.listed_in_epc_registers and compliance.vop.register_status name the registers' answers, null when not consulted (screened false); outside the SEPA area the country answers (false, not_listed) whether or not the registers are loaded. The flag bank_code_inferred carries no weight. COST: $0.02 per call (free with no key on this transport: 25 units a week per source address, one per call and one per IBAN in batch_validate_iban, reset on Monday 00:00 UTC. Or an ifk_ key with no e-mail at all: POST https://api.ibanforge.com/v1/keys/generate with no body for 25 REST calls/month, and POST /v1/keys/claim lifts that same key to 200 a month).

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
ibanYesIBAN to check

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
bicNo
bbanNo
ibanYesNormalized IBAN (uppercase, no spaces).
metaYes
sepaNo
errorNo
validYes
checksNoOne 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.
issuerNo
countryNo
clearingNoSwiss clearing data when country is CH or LI.
cost_usdcYesWhat THIS call was billed. Zero on the free MCP tier.
formattedNoIBAN with 4-char groups for display.
complianceYes
next_stepsNoOrdered advice derived from THIS result: what blocks a payment first, what merely enriches it after. Branch on `code`, never on the prose. `because` names the field that produced the step so the advice is auditable. Empty for an IBAN that failed validation.
check_digitsNo
error_detailNo
modulus_checkNo
processing_msNo
bank_code_checkNo
list_price_usdcNoCatalogue price of the same call on the paid REST/x402 route.
risk_indicatorsNo
bank_code_holderNoconfirmed | 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.
psd_registrationNo
official_identityNoWho a central bank says holds the resolved code (ECB by LEI and for FR bank codes, Banco de Espana for ES). Present only on a match — absence is not a negative. INFORMATIONAL ONLY: it never changes valid or bank_code_check, because both publishers relay rather than allocate.
pra_authorisationNo
national_check_digitsNoThe 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.

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed2 schema fields changed
    • changedOutput schema / properties / checks / description
      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."
    • addedOutput schema / properties / national_check_digits
      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"
+}
  2. Changed11 schema fields changed
    • addedOutput schema / properties / bank_code_holder
      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"
+}
    • changedOutput schema / properties / bic / anyOf
      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"
+  }
+]
    • addedOutput schema / properties / checks
      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"
+}
    • addedOutput schema / properties / compliance / properties / reachability / properties / listed_in_epc_registers
      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"
+  ]
+}
    • addedOutput schema / properties / compliance / properties / sanctions / properties / bank_sanctioned / description
      Added value: +"False also when no bank was screened: read institution_listed."
    • addedOutput schema / properties / compliance / properties / sanctions / properties / 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"
+  ]
+}
    • addedOutput schema / properties / compliance / properties / sanctions / properties / payee_screened
      Added value: +{
+  "description": "Always false: the payee (account holder) is never screened here.",
+  "type": "boolean"
+}
    • addedOutput schema / properties / compliance / properties / vop / properties / register_status
      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"
+  ]
+}
    • addedOutput schema / properties / sepa / properties / bank_reachability
      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"
+  ]
+}
    • addedOutput schema / properties / sepa / properties / bank_schemes
      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."
+}
    • addedOutput schema / properties / sepa / properties / vop_register_status
      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"
+  ]
+}
  3. Changed2 schema fields changed
    • changedOutput schema / properties / bic / anyOf
      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"
+  }
+]
    • changedOutput schema / properties / sepa / properties / vop_participant / description
      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."
  4. Changed1 schema field changed
    • changedOutput schema / properties / meta / properties / sources / type
      Previous value: -"string"New value: +[
+  "string",
+  "null"
+]
  5. Changed1 schema field changed
    • changedOutput schema / properties / bic / anyOf
      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"
+  }
+]
  6. Changed1 schema field changed
    • changedOutput schema / properties / bic / anyOf
      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"
+  }
+]
  7. Changed26 schema fields changed
    • addedOutput schema / properties / bank_code_check / properties / check_digit
      Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "algorithm": {
+      "type": "string"
+    },
+    "valid": {
+      "type": "boolean"
+    }
+  },
+  "required": [
+    "valid",
+    "algorithm"
+  ],
+  "type": "object"
+}
    • addedOutput schema / properties / bank_code_check / properties / institution
      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"
+}
    • addedOutput schema / properties / bban
      Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "account_number": {
+      "type": "string"
+    },
+    "bank_code": {
+      "type": "string"
+    },
+    "branch_code": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "bank_code",
+    "account_number"
+  ],
+  "type": "object"
+}
    • changedOutput schema / properties / bic / anyOf
      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"
+  }
+]
    • addedOutput schema / properties / check_digits
      Added value: +{
+  "type": "string"
+}
    • addedOutput schema / properties / clearing
      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."
+}
    • addedOutput schema / properties / compliance / properties / reachability / properties / screened
      Added value: +{
+  "type": "boolean"
+}
    • changedOutput schema / properties / compliance / properties / reachability / required
      Previous value: -[
-  "sepa_instant",
-  "sct",
-  "sdd"
-]New value: +[
+  "screened",
+  "sepa_instant",
+  "sct",
+  "sdd"
+]
    • addedOutput schema / properties / compliance / properties / sanctions / properties / bank_screened
      Added value: +{
+  "description": "False means no bank was screened; do not interpret bank_sanctioned as a finding.",
+  "type": "boolean"
+}
    • changedOutput schema / properties / compliance / properties / sanctions / required
      Previous value: -[
-  "country_sanctioned",
-  "bank_sanctioned",
-  "matched_lists",
-  "fatf_status"
-]New value: +[
+  "bank_screened",
+  "country_sanctioned",
+  "bank_sanctioned",
+  "matched_lists",
+  "fatf_status"
+]
    • addedOutput schema / properties / compliance / properties / vop / properties / screened
      Added value: +{
+  "type": "boolean"
+}
    • changedOutput schema / properties / compliance / properties / vop / required
      Previous value: -[
-  "participant",
-  "status"
-]New value: +[
+  "screened",
+  "participant",
+  "status"
+]
    • addedOutput schema / properties / country / properties / code / description
      Added value: +"ISO 3166-1 alpha-2 country code."
    • addedOutput schema / properties / formatted
      Added value: +{
+  "description": "IBAN with 4-char groups for display.",
+  "type": "string"
+}
    • addedOutput schema / properties / iban / description
      Added value: +"Normalized IBAN (uppercase, no spaces)."
    • addedOutput schema / properties / issuer / properties / classification / description
      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."
    • addedOutput schema / properties / issuer / properties / iban_issuer
      Added value: +{
+  "enum": [
+    "confirmed",
+    "not_listed"
+  ],
+  "type": "string"
+}
    • addedOutput schema / properties / issuer / properties / type / description
      Added value: +"bank | digital_bank | emi | payment_institution; null when unsubstantiated"
    • changedOutput schema / properties / issuer / properties / type / type
      Previous value: -"string"New value: +[
+  "string",
+  "null"
+]
    • addedOutput schema / properties / modulus_check
      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"
+}
    • addedOutput schema / properties / pra_authorisation
      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"
+}
    • addedOutput schema / properties / processing_ms
      Added value: +{
+  "type": "number"
+}
    • addedOutput schema / properties / psd_registration
      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"
+}
    • addedOutput schema / properties / sepa / properties / basis
      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"
+}
    • addedOutput schema / properties / sepa / properties / vop_participant
      Added value: +{
+  "description": "true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved.",
+  "type": [
+    "boolean",
+    "null"
+  ]
+}
    • changedOutput schema / required
      Previous value: -[
-  "iban",
-  "valid",
-  "compliance",
-  "meta",
-  "cost_usdc"
-]New value: +[
+  "iban",
+  "valid",
+  "cost_usdc",
+  "compliance",
+  "meta"
+]
  8. Changed1 schema field changed
    • changedOutput schema / properties / bic / anyOf
      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"
+  }
+]
  9. Changed15 schema fields changed
    • removedOutput schema / properties / bank_code_check / properties / match / anyOf
      Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]
    • addedOutput schema / properties / bank_code_check / properties / match / type
      Added value: +[
+  "string",
+  "null"
+]
    • removedOutput schema / properties / bank_code_check / properties / register / anyOf
      Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]
    • addedOutput schema / properties / bank_code_check / properties / register / type
      Added value: +[
+  "string",
+  "null"
+]
    • changedOutput schema / properties / bic / anyOf
      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"
+  }
+]
    • removedOutput schema / properties / meta / properties / fatf_as_of / anyOf
      Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]
    • addedOutput schema / properties / meta / properties / fatf_as_of / type
      Added value: +[
+  "string",
+  "null"
+]
    • removedOutput schema / properties / meta / properties / sanctions_as_of / anyOf
      Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]
    • addedOutput schema / properties / meta / properties / sanctions_as_of / type
      Added value: +[
+  "string",
+  "null"
+]
    • removedOutput schema / properties / official_identity / properties / address / anyOf
      Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]
    • addedOutput schema / properties / official_identity / properties / address / type
      Added value: +[
+  "string",
+  "null"
+]
    • removedOutput schema / properties / official_identity / properties / lei / anyOf
      Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]
    • addedOutput schema / properties / official_identity / properties / lei / type
      Added value: +[
+  "string",
+  "null"
+]
    • removedOutput schema / properties / risk_indicators / properties / issuer_type / anyOf
      Removed value: -[
-  {
-    "type": "string"
-  },
-  {
-    "type": "null"
-  }
-]
    • addedOutput schema / properties / risk_indicators / properties / issuer_type / type
      Added value: +[
+  "string",
+  "null"
+]
  10. Changed2 schema fields changed
    • addedOutput schema / properties / cost_usdc / description
      Added value: +"What THIS call was billed. Zero on the free MCP tier."
    • addedOutput schema / properties / list_price_usdc
      Added value: +{
+  "description": "Catalogue price of the same call on the paid REST/x402 route.",
+  "type": "number"
+}
  11. Changed2 schema fields changed
    • addedOutput schema / properties / bank_code_check / properties / reason
      Added value: +{
+  "description": "WHY the verdict is not verified, as one token to branch on. Absent when status is verified. not_allocated (a national register denies the code — the only value that licenses \"do not send\") | absent_from_reference_data (our composite map does not carry it; the country register was not consulted) | no_reference_data_for_country | register_names_no_holder (the register defines the code space and publishes no holder — silence, not a denial) | national_register_unavailable (the register this country is normally decided against could not be consulted) | lookup_failed (the lookup could not run: timeout, unreadable database). The last two describe IBANforge, never the beneficiary. Never escalate either into a refusal.",
+  "type": "string"
+}
    • changedOutput schema / properties / bic / anyOf
      Previous value: -[
-  {
-    "additionalProperties": false,
-    "properties": {
-      "bank_name": {
-        "anyOf": [
-          {
-            "type": "string"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "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": {
+        "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"
+  }
+]
  12. Changed1 schema field changed
    • addedOutput schema / properties / official_identity
      Added value: +{
+  "additionalProperties": false,
+  "description": "Who a central bank says holds the resolved code (ECB by LEI and for FR bank codes, Banco de Espana for ES). Present only on a match — absence is not a negative. INFORMATIONAL ONLY: it never changes valid or bank_code_check, because both publishers relay rather than allocate.",
+  "properties": {
+    "address": {
+      "anyOf": [
+        {
+          "type": "string"
+        },
+        {
+          "type": "null"
+        }
+      ],
+      "description": "One-line registered address as published."
+    },
+    "as_of": {
+      "description": "Date of the list this row came from. Both lists are republished every business day.",
+      "type": "string"
+    },
+    "attribution": {
+      "description": "The Banco de Espana citation formula, verbatim. Spanish blocks only.",
+      "type": "string"
+    },
+    "authoritative": {
+      "description": "Always false. Neither publisher allocates bank codes.",
+      "type": "boolean"
+    },
+    "category": {
+      "type": "string"
+    },
+    "free_of_charge": {
+      "description": "Both publishers require buyers to be told, on every access, that the data is available free of charge from their own website. Relay it with the answer; do not strip it.",
+      "type": "string"
+    },
+    "lei": {
+      "anyOf": [
+        {
+          "type": "string"
+        },
+        {
+          "type": "null"
+        }
+      ]
+    },
+    "matched_by": {
+      "description": "lei | national_code",
+      "type": "string"
+    },
+    "name": {
+      "description": "The institution's name as the publisher writes it.",
+      "type": "string"
+    },
+    "source": {
+      "description": "The publisher, cited as their licence requires. Relay it.",
+      "type": "string"
+    }
+  },
+  "required": [
+    "name",
+    "lei",
+    "address",
+    "category",
+    "matched_by",
+    "source",
+    "free_of_charge",
+    "as_of",
+    "authoritative"
+  ],
+  "type": "object"
+}
  13. Changed3 schema fields changed
    • changedOutput schema / properties / bank_code_check / properties / authoritative / description
      Previous value: -"True only where the reference set is the national register (CH, LI). Only then does not_in_register mean the code is not allocated."New value: +"True only where the reference set is the national register (CH, LI, DE). Only then does not_in_register mean the code is not allocated."
    • addedOutput schema / properties / bank_code_check / properties / retired
      Added value: +{
+  "description": "True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated.",
+  "type": "boolean"
+}
    • addedOutput schema / properties / bank_code_check / properties / superseded_by
      Added value: +{
+  "description": "The bank code that takes over. Re-paper the beneficiary against it.",
+  "type": "string"
+}
  14. Changed1 schema field changed
    • addedOutput schema / properties / next_steps
      Added value: +{
+  "description": "Ordered advice derived from THIS result: what blocks a payment first, what merely enriches it after. Branch on `code`, never on the prose. `because` names the field that produced the step so the advice is auditable. Empty for an IBAN that failed validation.",
+  "items": {
+    "additionalProperties": false,
+    "properties": {
+      "action": {
+        "description": "An IBANforge call that performs the step, when one exists.",
+        "type": "string"
+      },
+      "because": {
+        "description": "The response field that produced this step.",
+        "type": "string"
+      },
+      "code": {
+        "description": "Stable identifier. Branch on this.",
+        "type": "string"
+      },
+      "do": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "code",
+      "do",
+      "because"
+    ],
+    "type": "object"
+  },
+  "type": "array"
+}
  15. Changed8 schema fields changed
    • addedOutput schema / properties / bank_code_check
      Added value: +{
+  "additionalProperties": false,
+  "properties": {
+    "as_of": {
+      "type": "string"
+    },
+    "authoritative": {
+      "description": "True only where the reference set is the national register (CH, LI). Only then does not_in_register mean the code is not allocated.",
+      "type": "boolean"
+    },
+    "candidates": {
+      "description": "BIC8 the prefix matched; >1 means the BIC may belong to another institution.",
+      "type": "number"
+    },
+    "match": {
+      "anyOf": [
+        {
+          "type": "string"
+        },
+        {
+          "type": "null"
+        }
+      ],
+      "description": "register (exact key) | prefix (bic8 LIKE heuristic) | null"
+    },
+    "register": {
+      "anyOf": [
+        {
+          "type": "string"
+        },
+        {
+          "type": "null"
+        }
+      ]
+    },
+    "status": {
+      "description": "verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.",
+      "type": "string"
+    },
+    "value": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "value",
+    "status",
+    "match",
+    "register",
+    "authoritative",
+    "as_of"
+  ],
+  "type": "object"
+}
    • addedOutput schema / properties / issuer / properties / classification
      Added value: +{
+  "type": "string"
+}
    • changedOutput schema / properties / issuer / required
      Previous value: -[
-  "type",
-  "name"
-]New value: +[
+  "type",
+  "name",
+  "classification"
+]
    • addedOutput schema / properties / risk_indicators / properties / issuer_type / anyOf
      Added value: +[
+  {
+    "type": "string"
+  },
+  {
+    "type": "null"
+  }
+]
    • addedOutput schema / properties / risk_indicators / properties / issuer_type / description
      Added value: +"Null when no institution resolved — it no longer defaults to \"bank\"."
    • removedOutput schema / properties / risk_indicators / properties / issuer_type / type
      Removed value: -"string"
    • addedOutput schema / properties / risk_indicators / properties / sepa_reachable_scope
      Added value: +{
+  "description": "Scope the reachability holds at. Country-derived, not account-derived.",
+  "type": "string"
+}
    • changedOutput schema / properties / risk_indicators / required
      Previous value: -[
-  "issuer_type",
-  "country_risk",
-  "test_bic",
-  "sepa_reachable",
-  "vop_coverage"
-]New value: +[
+  "issuer_type",
+  "country_risk",
+  "test_bic",
+  "sepa_reachable",
+  "sepa_reachable_scope",
+  "vop_coverage"
+]
  16. Changed8 schema fields changed
    • changedOutput schema / properties / compliance / properties / risk_level / description
      Previous value: -"low | medium | elevated | high | critical"New value: +"low | medium | elevated | high | critical | unassessable. unassessable means the IBAN itself did not validate, so no screening was possible: it is the absence of a verdict, never a favourable one."
    • addedOutput schema / properties / compliance / properties / risk_score / anyOf
      Added value: +[
+  {
+    "maximum": 100,
+    "minimum": 0,
+    "type": "number"
+  },
+  {
+    "type": "null"
+  }
+]
    • changedOutput schema / properties / compliance / properties / risk_score / description
      Previous value: -"0 = safest, 100 = block."New value: +"0 = safest, 100 = block. null when the IBAN could not be validated: there was nothing to score."
    • removedOutput schema / properties / compliance / properties / risk_score / maximum
      Removed value: -100
    • removedOutput schema / properties / compliance / properties / risk_score / minimum
      Removed value: -0
    • removedOutput schema / properties / compliance / properties / risk_score / type
      Removed value: -"number"
    • addedOutput schema / properties / meta
      Added value: +{
+  "additionalProperties": {},
+  "properties": {
+    "disclaimer": {
+      "type": "string"
+    },
+    "fatf_as_of": {
+      "anyOf": [
+        {
+          "type": "string"
+        },
+        {
+          "type": "null"
+        }
+      ]
+    },
+    "sanctions_as_of": {
+      "anyOf": [
+        {
+          "type": "string"
+        },
+        {
+          "type": "null"
+        }
+      ]
+    },
+    "scope": {
+      "type": "string"
+    },
+    "sources": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "scope",
+    "disclaimer"
+  ],
+  "type": "object"
+}
    • changedOutput schema / required
      Previous value: -[
-  "iban",
-  "valid",
-  "compliance",
-  "cost_usdc"
-]New value: +[
+  "iban",
+  "valid",
+  "compliance",
+  "meta",
+  "cost_usdc"
+]
  17. Changed1 schema field changed
    • changedOutput schema / (root)
      Previous value: -nullNew value: +{
+  "$schema": "http://json-schema.org/draft-07/schema#",
+  "additionalProperties": false,
+  "properties": {
+    "bic": {
+      "anyOf": [
+        {
+          "additionalProperties": false,
+          "properties": {
+            "bank_name": {
+              "anyOf": [
+                {
+                  "type": "string"
+                },
+                {
+                  "type": "null"
+                }
+              ]
+            },
+            "city": {
+              "anyOf": [
+                {
+                  "type": "string"
+                },
+                {
+                  "type": "null"
+                }
+              ]
+            },
+            "code": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "code",
+            "bank_name",
+            "city"
+          ],
+          "type": "object"
+        },
+        {
+          "type": "null"
+        }
+      ]
+    },
+    "compliance": {
+      "additionalProperties": false,
+      "properties": {
+        "flags": {
+          "items": {
+            "type": "string"
+          },
+          "type": "array"
+        },
+        "reachability": {
+          "additionalProperties": false,
+          "properties": {
+            "sct": {
+              "type": "boolean"
+            },
+            "sdd": {
+              "type": "boolean"
+            },
+            "sepa_instant": {
+              "type": "boolean"
+            }
+          },
+          "required": [
+            "sepa_instant",
+            "sct",
+            "sdd"
+          ],
+          "type": "object"
+        },
+        "risk_level": {
+          "description": "low | medium | elevated | high | critical",
+          "type": "string"
+        },
+        "risk_score": {
+          "description": "0 = safest, 100 = block.",
+          "maximum": 100,
+          "minimum": 0,
+          "type": "number"
+        },
+        "sanctions": {
+          "additionalProperties": false,
+          "properties": {
+            "bank_sanctioned": {
+              "type": "boolean"
+            },
+            "country_sanctioned": {
+              "type": "boolean"
+            },
+            "fatf_status": {
+              "type": "string"
+            },
+            "matched_lists": {
+              "items": {
+                "type": "string"
+              },
+              "type": "array"
+            }
+          },
+          "required": [
+            "country_sanctioned",
+            "bank_sanctioned",
+            "matched_lists",
+            "fatf_status"
+          ],
+          "type": "object"
+        },
+        "vop": {
+          "additionalProperties": false,
+          "properties": {
+            "participant": {
+              "type": "boolean"
+            },
+            "status": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "participant",
+            "status"
+          ],
+          "type": "object"
+        }
+      },
+      "required": [
+        "sanctions",
+        "reachability",
+        "vop",
+        "risk_score",
+        "risk_level",
+        "flags"
+      ],
+      "type": "object"
+    },
+    "cost_usdc": {
+      "type": "number"
+    },
+    "country": {
+      "additionalProperties": false,
+      "properties": {
+        "code": {
+          "type": "string"
+        },
+        "name": {
+          "type": "string"
+        }
+      },
+      "required": [
+        "code",
+        "name"
+      ],
+      "type": "object"
+    },
+    "error": {
+      "type": "string"
+    },
+    "error_detail": {
+      "type": "string"
+    },
+    "iban": {
+      "type": "string"
+    },
+    "issuer": {
+      "additionalProperties": false,
+      "properties": {
+        "name": {
+          "type": "string"
+        },
+        "type": {
+          "type": "string"
+        }
+      },
+      "required": [
+        "type",
+        "name"
+      ],
+      "type": "object"
+    },
+    "risk_indicators": {
+      "additionalProperties": false,
+      "properties": {
+        "country_risk": {
+          "type": "string"
+        },
+        "issuer_type": {
+          "type": "string"
+        },
+        "sepa_reachable": {
+          "type": "boolean"
+        },
+        "test_bic": {
+          "type": "boolean"
+        },
+        "vop_coverage": {
+          "type": "boolean"
+        }
+      },
+      "required": [
+        "issuer_type",
+        "country_risk",
+        "test_bic",
+        "sepa_reachable",
+        "vop_coverage"
+      ],
+      "type": "object"
+    },
+    "sepa": {
+      "additionalProperties": false,
+      "properties": {
+        "member": {
+          "type": "boolean"
+        },
+        "schemes": {
+          "items": {
+            "type": "string"
+          },
+          "type": "array"
+        },
+        "vop_required": {
+          "type": "boolean"
+        }
+      },
+      "required": [
+        "member",
+        "schemes",
+        "vop_required"
+      ],
+      "type": "object"
+    },
+    "valid": {
+      "type": "boolean"
+    }
+  },
+  "required": [
+    "iban",
+    "valid",
+    "compliance",
+    "cost_usdc"
+  ],
+  "type": "object"
+}
  18. First observed

TDQS

A4.9/5.0
Behavior5/5

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

Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, and the description fully aligns with these. It adds substantial behavioral detail beyond annotations: cost structure, what is and isn't checked (e.g., 'never the payee's name'), null/edge-case behavior, flag semantics, and the note that 'bank_code_inferred carries no weight'. This is a model of transparency.

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

Conciseness5/5

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

The description is long but highly structured with clearly labeled sections (USE WHEN, NOT A REGULATED, CHECKS, RETURNS, COST). It is front-loaded with the primary purpose, and every sentence provides needed information for a complex tool. The length is justified by the tool's rich semantics, and the organization allows an agent to quickly find relevant details.

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

Completeness5/5

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

Given the tool's complexity and the presence of an output schema, the description is exceptionally complete. It explains the full return structure (compliance object, risk_score, risk_level, matched_lists, reachability, vop status, flags[]) and handles edge cases (nulls, false defaults, SEPA-area behavior). The cost model and key generation details are also provided. Nothing an agent needs to invoke or interpret the tool correctly is missing.

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

Parameters4/5

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

Schema coverage is 100% (the single 'iban' parameter is described as 'IBAN to check'). The description adds meaningful context by explaining that the IBAN is used for compliance triage and clarifies the scope of validation (e.g., it checks IBAN validity, but also that the bank's BIC8 is screened). This goes beyond the schema's bare description, though it doesn't add syntax or format details, so a 4 is warranted.

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

Purpose5/5

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

The description states a specific verb ('Run a pre-flight compliance triage'), a specific resource (an IBAN), and a clear context (before sending a SEPA/cross-border payment). It also implicitly differentiates from siblings like validate_iban and batch_validate_iban by focusing on compliance checks rather than format validation. The opening sentence makes the tool's purpose unambiguous.

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

Usage Guidelines5/5

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

The description explicitly lists use cases with 'USE WHEN:' (e.g., triaging risk, checking sanctions, SEPA Instant reachability, needing a risk score) and exclusions with 'NOT A REGULATED AML/CFT PRODUCT', directing to Refinitiv, Acuris, or ComplyAdvantage for regulated screening. This is clear when-to-use and when-not-to-use guidance, with named alternatives.

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

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