check_compliance
Check IBAN compliance for payment risk: sanctions screening, SEPA reachability, and fraud flags. Returns risk score and recommended action.
Instructions
Run a full pre-flight compliance check 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 "is this IBAN safe to pay?", asks for sanctions screening, asks if a SEPA Instant transfer will succeed, 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 structural validity + sanctions lists (OFAC, EU, UN consolidated, FATF jurisdictions) + SEPA Instant reachability + VoP (Verification of Payee, EU 2024/886) participant flag. RETURNS: risk_score (0-100, 0 = safest), flags { sanctions_match, fatf_high_risk, sepa_unreachable, viban, emi }, recommended_action. COST: 0.02 USDC.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| iban | Yes | IBAN to run the compliance check against. |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
| vop | No | ||
| fatf | No | ||
| iban | Yes | ||
| sepa | No | ||
| flags | No | Boolean flags rolled up into risk_score. | |
| valid | Yes | ||
| sanctions | No | ||
| risk_score | Yes | 0 = safest, 100 = block. Combines sanctions, country risk, FATF flag, vIBAN/EMI flags. | |
| recommended_action | Yes | Suggested workflow gate. |