Use this first, before any generation or validation call, to discover the
exact ``message_type`` strings this server accepts (e.g.
``pacs.008.001.08`` FI-to-FI Customer Credit Transfer). To learn a type's
required fields or full schema, call ``get_required_fields`` or
``get_input_schema`` instead.

Returns a list of ``{"message_type": ..., "name": ...}`` dictionaries, one
per supported message type.

Scheme profiles (CBPR+, HVPS+, Fedwire, CHAPS, T2 RTGS, SCT Inst, generic)
layer rail-specific rules on top of base ISO 20022. Use this to discover
the ``scheme`` names accepted by ``get_scheme`` and ``validate_scheme``.

Registry aliases (e.g. ``cbpr+``, ``cbprplus``) collapse to their canonical
profile, so each profile appears exactly once. Returns a list of
``{"scheme": ..., "name": ...}`` dictionaries.

Use this to inspect a rail's constraints -- whether the UETR is mandatory,
the permitted charge bearers, remittance-info length cap, per-message
transaction cardinality, pinned message versions, and which parties must
carry an LEI -- before assembling or validating a batch.

Args:
    scheme: A registered scheme profile name (see ``list_schemes``).

Use this for a quick checklist of the mandatory columns before building
payment records. For full type/format constraints (not just which fields
are required), call ``get_input_schema`` instead.

Args:
    message_type: A supported ISO 20022 pacs message type.

Use this to learn every field, its type, and its constraints before
assembling records, or to drive a form/UI. For just the required-field
names use ``get_required_fields``; to check records against this schema use
``validate_records``.

Args:
    message_type: A supported ISO 20022 pacs message type.

Use this before ``generate_message`` to catch structural/type errors per
record and get a row-by-row error report. This checks JSON-Schema shape
only; to check a batch against a rail's usage guidelines use
``validate_scheme``.

Returns a report ``{"is_valid": bool, "total": int, "valid": int,
"errors": [...]}``.

Args:
    message_type: A supported ISO 20022 pacs message type.
    records: One or more flat payment records to validate.

Use this to check a batch against a rail's rulebook (CBPR+, HVPS+,
Fedwire, CHAPS, T2 RTGS, SCT Inst) -- charge-bearer restrictions, UETR
presence, remittance-info length, and per-message transaction cardinality.
This is complementary to ``validate_records`` (JSON-Schema shape).

Returns ``{"scheme": str, "is_valid": bool, "total": int,
"violations": [...]}``.

Args:
    scheme: A registered scheme profile name (see ``list_schemes``).
    records: One or more flat payment records to check.

This is the primary generation tool: pass payment records you already hold
in memory and receive an XSD-validated XML document; no file is written.
Run ``validate_records`` first to surface record-level errors, and
``list_message_types`` to confirm the ``message_type`` string.

Returns the validated XML document as a string, or an ``{"error": ...}``
payload (serialized) if generation fails.

Args:
    message_type: A supported ISO 20022 pacs message type.
    records: One or more flat payment records.

Use this to check an externally produced XML document against the official
ISO 20022 schema. To generate a document that is already XSD-validated,
use ``generate_message`` instead.

Returns ``{"message_type": str, "is_valid": bool}``.

Args:
    message_type: A supported ISO 20022 pacs message type.
    xml: The raw XML document to validate.

Use this on the receiving side to identify what a message is -- its
``msg_def_idr`` (e.g. ``pacs.002.001.10``), family, version, and any
Business Application Header -- before processing it. Handles both bare
``Document`` messages and BAH-wrapped envelopes.

Returns a dict with ``msg_def_idr``, ``msg_family``, ``version``,
``root_local_name``, ``namespace_uri``, ``envelope_wrapped`` and ``bah``.

Args:
    xml: The raw inbound XML message.

This is the SWIFT MT-to-MX migration path (correspondent-banking MT103
coexistence with ISO 20022 ends November 2025): parse an MT103 text
payload and get back the flat pacs.008 record(s) that can be fed straight
into ``validate_records`` / ``generate_message``. An MT103 carries exactly
one transfer, so the ``records`` list always holds a single record. No
file is read or written.

Returns ``{"message_type": "pacs.008.001.08", "records": [{...}]}`` with
the parsed flat record, or an ``{"error": ...}`` payload if the MT103 is
missing a mandatory field (``:20:``, ``:32A:``, beneficiary) or malformed.

Args:
    mt103_text: The MT103 payload as a string.

Use this to see where an address stands against the 14 November 2026 SWIFT
cliff: ``structured`` (town + country + structured detail, no free-form
lines), ``hybrid`` (town + country + 1-2 free-form ``adr_line`` lines, the
minimum CBPR+ UG2026 bar), or ``unstructured`` (free-form only — rejected
from the cliff date). To check acceptability under a policy use
``validate_address``; to upgrade legacy lines use ``repair_address``.

Returns ``{"classification": str, "is_structured": bool, "is_hybrid":
bool, "is_unstructured": bool, "has_structured_fields": bool}`` or an
``{"error": ...}`` payload.

Args:
    address: The postal address as a dict of snake_case fields.

Use this to decide whether an address will clear a rail. The default
``hybrid_or_structured`` policy is the November 14, 2026 cliff rule
(SWIFT CBPR+, HVPS+, T2 RTGS, CHAPS, Fedwire, Lynx): it rejects fully
unstructured addresses. Findings mirror the library's pipeline severity
(a policy rejection is a blocking finding).

Returns ``{"policy": str, "classification": str, "is_acceptable": bool,
"findings": [{"severity": str, "message": str}, ...]}`` or an
``{"error": ...}`` payload.

Args:
    address: The postal address as a dict of snake_case fields.
    policy: The validation policy to enforce (see the enum values).

Experimental country-aware repair (``GB``, ``US``, ``DE``, ``FR``, ``JP``
have dedicated heuristics; other countries get a best-effort pass promoting
the last line to a town). Use this to lift pre-cliff data over the
November 14, 2026 bar; audit the output before submitting, and keep both
the original and derived address in your audit trail.

Returns ``{"address": {...}, "classification": str, "is_structured":
bool, "is_hybrid": bool}`` (so you can see the unstructured -> hybrid /
structured upgrade) or an ``{"error": ...}`` payload.

Args:
    lines: Legacy unstructured address lines.
    country: ISO 3166-1 alpha-2 country code driving the heuristics.

Use this before ``generate_message`` to catch addresses that will be
rejected at the rail. The default ``hybrid_or_structured`` policy enforces
the November 14, 2026 cliff. Each finding is reported per offending
``(row, party)`` pair.

Returns ``{"policy": str, "is_valid": bool, "total": int, "errors":
[{"row": int, "party": str, "severity": str, "message": str,
"classification": str}, ...]}`` or an ``{"error": ...}`` payload.

Args:
    addresses: One or more payment-row dicts (see the field description).
    policy: The validation policy to enforce (see the enum values).

Two-stage verification. First an OFFLINE ISO 9362 structural check (via the
pacs008 library): confirms the 8- or 11-character shape and that the
country code (chars 5-6) is a valid ISO 3166-1 alpha-2 code. A malformed
BIC returns ``{"bic": ..., "is_structurally_valid": False, "error": ...}``
and stops there.

Then, only if a directory endpoint is configured (the ``directory_url``
argument or the ``PACS008_BIC_DIRECTORY_URL`` environment variable), the
tool performs a read-only HTTP GET against that endpoint and folds whatever
institution ``name``/``city``/``country``/``status`` it returns into a
``directory`` sub-dict. There is no free authoritative SWIFT BIC directory,
so with NO endpoint configured the tool returns the structural result plus
a ``note`` and ``directory: null`` -- it never fabricates a bank name.

Online lookups require the optional ``online`` extra (``pip install
'pacs008-mcp[online]'``, which pulls in ``httpx``); without it the tool
still returns the structural result plus an ``error`` explaining the
missing extra. Endpoint 4xx/5xx responses and transport failures are
likewise reported as a graceful ``error`` alongside the structural result.

Returns a dict with ``bic``, ``is_structurally_valid``, ``bank_code``,
``country_code``, ``location_code``, ``branch_code``, ``length`` and either
``directory`` (a dict of institution details, or ``null``) plus, when
applicable, ``note`` / ``error``.

Args:
    bic: The BIC / SWIFT code to verify.
    directory_url: Optional directory endpoint for online enrichment.