ibanforge

before
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when a register says the code is leaving (DE, authoritative) or has been struck off (IT, authoritative false, with retired_on). Still a verified result: it WAS allocated. Never a refusal.","type":"boolean"},"retired_on":{"description":"YYYY-MM-DD, with retired where the register dates it (IT): the last day it lists this code for its last holder.","type":"string"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. DE: the successor the register designates, re-paper against it. IT: the legal successor by merger or incorporation, not necessarily the bank now holding the account.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bank_code_holder":{"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"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"checks":{"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: 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.","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"},"clearing":{"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."},"compliance":{"additionalProperties":false,"properties":{"flags":{"items":{"type":"string"},"type":"array"},"reachability":{"additionalProperties":false,"properties":{"listed_in_epc_registers":{"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"]},"screened":{"type":"boolean"},"sct":{"type":"boolean"},"sdd":{"type":"boolean"},"sepa_instant":{"type":"boolean"}},"required":["screened","sepa_instant","sct","sdd"],"type":"object"},"risk_level":{"description":"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.","type":"string"},"risk_score":{"anyOf":[{"maximum":100,"minimum":0,"type":"number"},{"type":"null"}],"description":"0 = safest, 100 = block. null when the IBAN could not be validated: there was nothing to score."},"sanctions":{"additionalProperties":false,"properties":{"bank_sanctioned":{"description":"False also when no bank was screened: read institution_listed.","type":"boolean"},"bank_screened":{"description":"False means no bank was screened; do not interpret bank_sanctioned as a finding.","type":"boolean"},"country_sanctioned":{"type":"boolean"},"fatf_status":{"type":"string"},"institution_listed":{"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"]},"matched_lists":{"items":{"type":"string"},"type":"array"},"payee_screened":{"description":"Always false: the payee (account holder) is never screened here.","type":"boolean"}},"required":["bank_screened","country_sanctioned","bank_sanctioned","matched_lists","fatf_status"],"type":"object"},"vop":{"additionalProperties":false,"properties":{"participant":{"type":"boolean"},"register_status":{"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"]},"screened":{"type":"boolean"},"status":{"type":"string"}},"required":["screened","participant","status"],"type":"object"}},"required":["sanctions","reachability","vop","risk_score","risk_level","flags"],"type":"object"},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"meta":{"additionalProperties":{},"properties":{"disclaimer":{"type":"string"},"fatf_as_of":{"type":["string","null"]},"sanctions_as_of":{"type":["string","null"]},"scope":{"type":"string"},"sources":{"type":["string","null"]}},"required":["scope","disclaimer"],"type":"object"},"modulus_check":{"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"},"national_check_digits":{"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"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"bank_reachability":{"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, or no bank was resolved because the bank-code check itself is unavailable (not consulted, never read as not_listed or no_bank). Absent outside SEPA.","type":["string","null"]},"bank_schemes":{"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."},"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"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.","type":["boolean","null"]},"vop_register_status":{"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"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc","compliance","meta"],"type":"object"}

after
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when a register says the code is leaving (DE, authoritative) or has been struck off (IT, authoritative false, with retired_on). Still a verified result: it WAS allocated. Never a refusal.","type":"boolean"},"retired_on":{"description":"YYYY-MM-DD, with retired where the register dates it (IT): the last day it lists this code for its last holder.","type":"string"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. DE: the successor the register designates, re-paper against it. IT: the legal successor by merger or incorporation, not necessarily the bank now holding the account.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bank_code_holder":{"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"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"checks":{"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: the check key a country keeps inside the BBAN, a second check independent of mod-97. Checked for FR and MC (RIB key), BE (the last two digits, modulo 97), IT and SM (CIN), ES (DC) and DE (the account-number check digit, by the method the Bundesbank lists for the bank code), with the proof in the national_check_digits block, and for GB (Vocalink modulus), with the proof in modulus_check; not_checked elsewhere. In DE it is not_checked when the bank code is not in the Bundesbank file or its method is not checked here, and not_applicable when the bank uses no check digit (method 09); national_check_digits.verified_by says whether a German verdict rests on the Bundesbank test numbers or on an independent implementation only. pass means the account number is well formed, never that the account exists; fail means it cannot have been issued as written, and valid stays true. A key may be added later; a key is never removed. Present only when valid is true.","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"},"clearing":{"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."},"compliance":{"additionalProperties":false,"properties":{"flags":{"items":{"type":"string"},"type":"array"},"reachability":{"additionalProperties":false,"properties":{"listed_in_epc_registers":{"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"]},"screened":{"type":"boolean"},"sct":{"type":"boolean"},"sdd":{"type":"boolean"},"sepa_instant":{"type":"boolean"}},"required":["screened","sepa_instant","sct","sdd"],"type":"object"},"risk_level":{"description":"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.","type":"string"},"risk_score":{"anyOf":[{"maximum":100,"minimum":0,"type":"number"},{"type":"null"}],"description":"0 = safest, 100 = block. null when the IBAN could not be validated: there was nothing to score."},"sanctions":{"additionalProperties":false,"properties":{"bank_sanctioned":{"description":"False also when no bank was screened: read institution_listed.","type":"boolean"},"bank_screened":{"description":"False means no bank was screened; do not interpret bank_sanctioned as a finding.","type":"boolean"},"country_sanctioned":{"type":"boolean"},"fatf_status":{"type":"string"},"institution_listed":{"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"]},"matched_lists":{"items":{"type":"string"},"type":"array"},"payee_screened":{"description":"Always false: the payee (account holder) is never screened here.","type":"boolean"}},"required":["bank_screened","country_sanctioned","bank_sanctioned","matched_lists","fatf_status"],"type":"object"},"vop":{"additionalProperties":false,"properties":{"participant":{"type":"boolean"},"register_status":{"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"]},"screened":{"type":"boolean"},"status":{"type":"string"}},"required":["screened","participant","status"],"type":"object"}},"required":["sanctions","reachability","vop","risk_score","risk_level","flags"],"type":"object"},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"meta":{"additionalProperties":{},"properties":{"disclaimer":{"type":"string"},"fatf_as_of":{"type":["string","null"]},"sanctions_as_of":{"type":["string","null"]},"scope":{"type":"string"},"sources":{"type":["string","null"]}},"required":["scope","disclaimer"],"type":"object"},"modulus_check":{"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"},"national_check_digits":{"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, ES or DE (GB has modulus_check instead); absent elsewhere, where checks.national_check_digits is not_checked. country is the IBAN country. scheme names the algorithm: fr_rib_key (FR and MC: the RIB key, the last two digits of the BBAN, over the bank code, branch code and account number), be_mod97 (BE: the last two digits, the first ten digits modulo 97, or 97 when the remainder is 0), it_cin (IT and SM: the CIN, the control letter at the start of the BBAN, over the ABI, CAB and account number), es_dc (ES: the two DC digits, positions 9 and 10 of the BBAN), de_pruefziffer (DE: the check digit of the 10-digit account number, computed by the method the Deutsche Bundesbank lists for the bank code in its Bankleitzahlendatei, named in method; the IBAN check digits already cover the whole BBAN, this says whether that bank could have issued the account number). status: pass (the key matches, so the account number is well formed; it does not prove the account exists or is open) or fail (the key does not match: this account number cannot have been issued as written, a typo or a made-up number). A fail never makes valid false, because the IBAN check digits are right: read the two separately, and confirm the details with the beneficiary before paying. not_applicable: a BBAN without the national layout, which a valid IBAN never has, or in DE a bank that uses no check digit (method 09) or a method that defines none for that range of account numbers. not_checked (DE only): the check did not run on our side, because the bank code is not in the Bundesbank file or its method is not checked here (method 44, and methods no bank uses); it says nothing about the beneficiary. verified_by (DE only, whenever the method ran): bundesbank_test_numbers (the method gives the expected answer on every test number and worked example the Bundesbank publishes; a fail adds the blocking step national_check_digits_failed) or independent_implementation (the Bundesbank publishes no test number for the method, which was verified against an independent implementation only; a fail adds the warning step national_check_digits_suspect and never stops a payment). detail, present on fail, not_applicable and not_checked, says which digits disagree or why nothing was checked; it never gives the expected key. In DE the block also carries method (the Bundesbank method code), verified_by, source (with the credit line the Bundesbank asks for) and table_fetched_on (the day the method table was read). checks.national_check_digits repeats status.","properties":{"country":{"description":"The IBAN country (MC stays MC, SM stays SM).","type":"string"},"detail":{"description":"Present on fail, not_applicable and not_checked.","type":"string"},"method":{"description":"DE only: the Bundesbank check-digit method code of the bank code.","type":"string"},"scheme":{"description":"fr_rib_key | be_mod97 | it_cin | es_dc | de_pruefziffer","type":"string"},"source":{"description":"DE only: the source, with the credit line the Bundesbank asks for.","type":"string"},"status":{"description":"pass | fail | not_applicable | not_checked","type":"string"},"table_fetched_on":{"description":"DE only: the day the method table was read (YYYY-MM-DD).","type":"string"},"verified_by":{"description":"DE only: bundesbank_test_numbers (a fail is blocking) | independent_implementation (a fail is a warning, national_check_digits_suspect).","type":"string"}},"required":["country","scheme","status"],"type":"object"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"bank_reachability":{"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, or no bank was resolved because the bank-code check itself is unavailable (not consulted, never read as not_listed or no_bank). Absent outside SEPA.","type":["string","null"]},"bank_schemes":{"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."},"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"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.","type":["boolean","null"]},"vop_register_status":{"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"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc","compliance","meta"],"type":"object"}

before
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when a register says the code is leaving (DE, authoritative) or has been struck off (IT, authoritative false, with retired_on). Still a verified result: it WAS allocated. Never a refusal.","type":"boolean"},"retired_on":{"description":"YYYY-MM-DD, with retired where the register dates it (IT): the last day it lists this code for its last holder.","type":"string"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. DE: the successor the register designates, re-paper against it. IT: the legal successor by merger or incorporation, not necessarily the bank now holding the account.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bank_code_holder":{"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"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"checks":{"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: 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.","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"},"clearing":{"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."},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"modulus_check":{"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"},"national_check_digits":{"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"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"bank_reachability":{"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, or no bank was resolved because the bank-code check itself is unavailable (not consulted, never read as not_listed or no_bank). Absent outside SEPA.","type":["string","null"]},"bank_schemes":{"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."},"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"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.","type":["boolean","null"]},"vop_register_status":{"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"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc"],"type":"object"}

after
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when a register says the code is leaving (DE, authoritative) or has been struck off (IT, authoritative false, with retired_on). Still a verified result: it WAS allocated. Never a refusal.","type":"boolean"},"retired_on":{"description":"YYYY-MM-DD, with retired where the register dates it (IT): the last day it lists this code for its last holder.","type":"string"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. DE: the successor the register designates, re-paper against it. IT: the legal successor by merger or incorporation, not necessarily the bank now holding the account.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bank_code_holder":{"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"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"checks":{"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: the check key a country keeps inside the BBAN, a second check independent of mod-97. Checked for FR and MC (RIB key), BE (the last two digits, modulo 97), IT and SM (CIN), ES (DC) and DE (the account-number check digit, by the method the Bundesbank lists for the bank code), with the proof in the national_check_digits block, and for GB (Vocalink modulus), with the proof in modulus_check; not_checked elsewhere. In DE it is not_checked when the bank code is not in the Bundesbank file or its method is not checked here, and not_applicable when the bank uses no check digit (method 09); national_check_digits.verified_by says whether a German verdict rests on the Bundesbank test numbers or on an independent implementation only. pass means the account number is well formed, never that the account exists; fail means it cannot have been issued as written, and valid stays true. A key may be added later; a key is never removed. Present only when valid is true.","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"},"clearing":{"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."},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"modulus_check":{"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"},"national_check_digits":{"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, ES or DE (GB has modulus_check instead); absent elsewhere, where checks.national_check_digits is not_checked. country is the IBAN country. scheme names the algorithm: fr_rib_key (FR and MC: the RIB key, the last two digits of the BBAN, over the bank code, branch code and account number), be_mod97 (BE: the last two digits, the first ten digits modulo 97, or 97 when the remainder is 0), it_cin (IT and SM: the CIN, the control letter at the start of the BBAN, over the ABI, CAB and account number), es_dc (ES: the two DC digits, positions 9 and 10 of the BBAN), de_pruefziffer (DE: the check digit of the 10-digit account number, computed by the method the Deutsche Bundesbank lists for the bank code in its Bankleitzahlendatei, named in method; the IBAN check digits already cover the whole BBAN, this says whether that bank could have issued the account number). status: pass (the key matches, so the account number is well formed; it does not prove the account exists or is open) or fail (the key does not match: this account number cannot have been issued as written, a typo or a made-up number). A fail never makes valid false, because the IBAN check digits are right: read the two separately, and confirm the details with the beneficiary before paying. not_applicable: a BBAN without the national layout, which a valid IBAN never has, or in DE a bank that uses no check digit (method 09) or a method that defines none for that range of account numbers. not_checked (DE only): the check did not run on our side, because the bank code is not in the Bundesbank file or its method is not checked here (method 44, and methods no bank uses); it says nothing about the beneficiary. verified_by (DE only, whenever the method ran): bundesbank_test_numbers (the method gives the expected answer on every test number and worked example the Bundesbank publishes; a fail adds the blocking step national_check_digits_failed) or independent_implementation (the Bundesbank publishes no test number for the method, which was verified against an independent implementation only; a fail adds the warning step national_check_digits_suspect and never stops a payment). detail, present on fail, not_applicable and not_checked, says which digits disagree or why nothing was checked; it never gives the expected key. In DE the block also carries method (the Bundesbank method code), verified_by, source (with the credit line the Bundesbank asks for) and table_fetched_on (the day the method table was read). checks.national_check_digits repeats status.","properties":{"country":{"description":"The IBAN country (MC stays MC, SM stays SM).","type":"string"},"detail":{"description":"Present on fail, not_applicable and not_checked.","type":"string"},"method":{"description":"DE only: the Bundesbank check-digit method code of the bank code.","type":"string"},"scheme":{"description":"fr_rib_key | be_mod97 | it_cin | es_dc | de_pruefziffer","type":"string"},"source":{"description":"DE only: the source, with the credit line the Bundesbank asks for.","type":"string"},"status":{"description":"pass | fail | not_applicable | not_checked","type":"string"},"table_fetched_on":{"description":"DE only: the day the method table was read (YYYY-MM-DD).","type":"string"},"verified_by":{"description":"DE only: bundesbank_test_numbers (a fail is blocking) | independent_implementation (a fail is a warning, national_check_digits_suspect).","type":"string"}},"required":["country","scheme","status"],"type":"object"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"bank_reachability":{"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, or no bank was resolved because the bank-code check itself is unavailable (not consulted, never read as not_listed or no_bank). Absent outside SEPA.","type":["string","null"]},"bank_schemes":{"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."},"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"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.","type":["boolean","null"]},"vop_register_status":{"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"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc"],"type":"object"}

before
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated.","type":"boolean"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. Re-paper the beneficiary against it.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"clearing":{"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."},"compliance":{"additionalProperties":false,"properties":{"flags":{"items":{"type":"string"},"type":"array"},"reachability":{"additionalProperties":false,"properties":{"screened":{"type":"boolean"},"sct":{"type":"boolean"},"sdd":{"type":"boolean"},"sepa_instant":{"type":"boolean"}},"required":["screened","sepa_instant","sct","sdd"],"type":"object"},"risk_level":{"description":"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.","type":"string"},"risk_score":{"anyOf":[{"maximum":100,"minimum":0,"type":"number"},{"type":"null"}],"description":"0 = safest, 100 = block. null when the IBAN could not be validated: there was nothing to score."},"sanctions":{"additionalProperties":false,"properties":{"bank_sanctioned":{"type":"boolean"},"bank_screened":{"description":"False means no bank was screened; do not interpret bank_sanctioned as a finding.","type":"boolean"},"country_sanctioned":{"type":"boolean"},"fatf_status":{"type":"string"},"matched_lists":{"items":{"type":"string"},"type":"array"}},"required":["bank_screened","country_sanctioned","bank_sanctioned","matched_lists","fatf_status"],"type":"object"},"vop":{"additionalProperties":false,"properties":{"participant":{"type":"boolean"},"screened":{"type":"boolean"},"status":{"type":"string"}},"required":["screened","participant","status"],"type":"object"}},"required":["sanctions","reachability","vop","risk_score","risk_level","flags"],"type":"object"},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"meta":{"additionalProperties":{},"properties":{"disclaimer":{"type":"string"},"fatf_as_of":{"type":["string","null"]},"sanctions_as_of":{"type":["string","null"]},"scope":{"type":"string"},"sources":{"type":["string","null"]}},"required":["scope","disclaimer"],"type":"object"},"modulus_check":{"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"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"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.","type":["boolean","null"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc","compliance","meta"],"type":"object"}

after
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when a register says the code is leaving (DE, authoritative) or has been struck off (IT, authoritative false, with retired_on). Still a verified result: it WAS allocated. Never a refusal.","type":"boolean"},"retired_on":{"description":"YYYY-MM-DD, with retired where the register dates it (IT): the last day it lists this code for its last holder.","type":"string"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. DE: the successor the register designates, re-paper against it. IT: the legal successor by merger or incorporation, not necessarily the bank now holding the account.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bank_code_holder":{"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"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"checks":{"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: 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.","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"},"clearing":{"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."},"compliance":{"additionalProperties":false,"properties":{"flags":{"items":{"type":"string"},"type":"array"},"reachability":{"additionalProperties":false,"properties":{"listed_in_epc_registers":{"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"]},"screened":{"type":"boolean"},"sct":{"type":"boolean"},"sdd":{"type":"boolean"},"sepa_instant":{"type":"boolean"}},"required":["screened","sepa_instant","sct","sdd"],"type":"object"},"risk_level":{"description":"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.","type":"string"},"risk_score":{"anyOf":[{"maximum":100,"minimum":0,"type":"number"},{"type":"null"}],"description":"0 = safest, 100 = block. null when the IBAN could not be validated: there was nothing to score."},"sanctions":{"additionalProperties":false,"properties":{"bank_sanctioned":{"description":"False also when no bank was screened: read institution_listed.","type":"boolean"},"bank_screened":{"description":"False means no bank was screened; do not interpret bank_sanctioned as a finding.","type":"boolean"},"country_sanctioned":{"type":"boolean"},"fatf_status":{"type":"string"},"institution_listed":{"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"]},"matched_lists":{"items":{"type":"string"},"type":"array"},"payee_screened":{"description":"Always false: the payee (account holder) is never screened here.","type":"boolean"}},"required":["bank_screened","country_sanctioned","bank_sanctioned","matched_lists","fatf_status"],"type":"object"},"vop":{"additionalProperties":false,"properties":{"participant":{"type":"boolean"},"register_status":{"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"]},"screened":{"type":"boolean"},"status":{"type":"string"}},"required":["screened","participant","status"],"type":"object"}},"required":["sanctions","reachability","vop","risk_score","risk_level","flags"],"type":"object"},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"meta":{"additionalProperties":{},"properties":{"disclaimer":{"type":"string"},"fatf_as_of":{"type":["string","null"]},"sanctions_as_of":{"type":["string","null"]},"scope":{"type":"string"},"sources":{"type":["string","null"]}},"required":["scope","disclaimer"],"type":"object"},"modulus_check":{"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"},"national_check_digits":{"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"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"bank_reachability":{"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"]},"bank_schemes":{"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."},"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"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.","type":["boolean","null"]},"vop_register_status":{"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"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc","compliance","meta"],"type":"object"}

before
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated.","type":"boolean"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. Re-paper the beneficiary against it.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"clearing":{"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."},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"modulus_check":{"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"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"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.","type":["boolean","null"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc"],"type":"object"}

after
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when a register says the code is leaving (DE, authoritative) or has been struck off (IT, authoritative false, with retired_on). Still a verified result: it WAS allocated. Never a refusal.","type":"boolean"},"retired_on":{"description":"YYYY-MM-DD, with retired where the register dates it (IT): the last day it lists this code for its last holder.","type":"string"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. DE: the successor the register designates, re-paper against it. IT: the legal successor by merger or incorporation, not necessarily the bank now holding the account.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bank_code_holder":{"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"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"checks":{"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: 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.","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"},"clearing":{"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."},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"modulus_check":{"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"},"national_check_digits":{"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"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"bank_reachability":{"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"]},"bank_schemes":{"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."},"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"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.","type":["boolean","null"]},"vop_register_status":{"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"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc"],"type":"object"}

before
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated.","type":"boolean"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. Re-paper the beneficiary against it.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"clearing":{"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."},"compliance":{"additionalProperties":false,"properties":{"flags":{"items":{"type":"string"},"type":"array"},"reachability":{"additionalProperties":false,"properties":{"screened":{"type":"boolean"},"sct":{"type":"boolean"},"sdd":{"type":"boolean"},"sepa_instant":{"type":"boolean"}},"required":["screened","sepa_instant","sct","sdd"],"type":"object"},"risk_level":{"description":"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.","type":"string"},"risk_score":{"anyOf":[{"maximum":100,"minimum":0,"type":"number"},{"type":"null"}],"description":"0 = safest, 100 = block. null when the IBAN could not be validated: there was nothing to score."},"sanctions":{"additionalProperties":false,"properties":{"bank_sanctioned":{"type":"boolean"},"bank_screened":{"description":"False means no bank was screened; do not interpret bank_sanctioned as a finding.","type":"boolean"},"country_sanctioned":{"type":"boolean"},"fatf_status":{"type":"string"},"matched_lists":{"items":{"type":"string"},"type":"array"}},"required":["bank_screened","country_sanctioned","bank_sanctioned","matched_lists","fatf_status"],"type":"object"},"vop":{"additionalProperties":false,"properties":{"participant":{"type":"boolean"},"screened":{"type":"boolean"},"status":{"type":"string"}},"required":["screened","participant","status"],"type":"object"}},"required":["sanctions","reachability","vop","risk_score","risk_level","flags"],"type":"object"},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"meta":{"additionalProperties":{},"properties":{"disclaimer":{"type":"string"},"fatf_as_of":{"type":["string","null"]},"sanctions_as_of":{"type":["string","null"]},"scope":{"type":"string"},"sources":{"type":["string","null"]}},"required":["scope","disclaimer"],"type":"object"},"modulus_check":{"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"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved.","type":["boolean","null"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc","compliance","meta"],"type":"object"}

after
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated.","type":"boolean"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. Re-paper the beneficiary against it.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"clearing":{"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."},"compliance":{"additionalProperties":false,"properties":{"flags":{"items":{"type":"string"},"type":"array"},"reachability":{"additionalProperties":false,"properties":{"screened":{"type":"boolean"},"sct":{"type":"boolean"},"sdd":{"type":"boolean"},"sepa_instant":{"type":"boolean"}},"required":["screened","sepa_instant","sct","sdd"],"type":"object"},"risk_level":{"description":"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.","type":"string"},"risk_score":{"anyOf":[{"maximum":100,"minimum":0,"type":"number"},{"type":"null"}],"description":"0 = safest, 100 = block. null when the IBAN could not be validated: there was nothing to score."},"sanctions":{"additionalProperties":false,"properties":{"bank_sanctioned":{"type":"boolean"},"bank_screened":{"description":"False means no bank was screened; do not interpret bank_sanctioned as a finding.","type":"boolean"},"country_sanctioned":{"type":"boolean"},"fatf_status":{"type":"string"},"matched_lists":{"items":{"type":"string"},"type":"array"}},"required":["bank_screened","country_sanctioned","bank_sanctioned","matched_lists","fatf_status"],"type":"object"},"vop":{"additionalProperties":false,"properties":{"participant":{"type":"boolean"},"screened":{"type":"boolean"},"status":{"type":"string"}},"required":["screened","participant","status"],"type":"object"}},"required":["sanctions","reachability","vop","risk_score","risk_level","flags"],"type":"object"},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"meta":{"additionalProperties":{},"properties":{"disclaimer":{"type":"string"},"fatf_as_of":{"type":["string","null"]},"sanctions_as_of":{"type":["string","null"]},"scope":{"type":"string"},"sources":{"type":["string","null"]}},"required":["scope","disclaimer"],"type":"object"},"modulus_check":{"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"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"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.","type":["boolean","null"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc","compliance","meta"],"type":"object"}

before
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated.","type":"boolean"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. Re-paper the beneficiary against it.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"clearing":{"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."},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"modulus_check":{"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"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved.","type":["boolean","null"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc"],"type":"object"}

before
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated.","type":"boolean"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. Re-paper the beneficiary against it.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bic":{"anyOf":[{"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"}]},"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 | 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.","type":"string"},"risk_score":{"anyOf":[{"maximum":100,"minimum":0,"type":"number"},{"type":"null"}],"description":"0 = safest, 100 = block. null when the IBAN could not be validated: there was nothing to score."},"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":{"description":"What THIS call was billed. Zero on the free MCP tier.","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":{"classification":{"type":"string"},"name":{"type":"string"},"type":{"type":"string"}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"meta":{"additionalProperties":{},"properties":{"disclaimer":{"type":"string"},"fatf_as_of":{"type":["string","null"]},"sanctions_as_of":{"type":["string","null"]},"scope":{"type":"string"},"sources":{"type":"string"}},"required":["scope","disclaimer"],"type":"object"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","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","meta","cost_usdc"],"type":"object"}

after
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated.","type":"boolean"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. Re-paper the beneficiary against it.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"clearing":{"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."},"compliance":{"additionalProperties":false,"properties":{"flags":{"items":{"type":"string"},"type":"array"},"reachability":{"additionalProperties":false,"properties":{"screened":{"type":"boolean"},"sct":{"type":"boolean"},"sdd":{"type":"boolean"},"sepa_instant":{"type":"boolean"}},"required":["screened","sepa_instant","sct","sdd"],"type":"object"},"risk_level":{"description":"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.","type":"string"},"risk_score":{"anyOf":[{"maximum":100,"minimum":0,"type":"number"},{"type":"null"}],"description":"0 = safest, 100 = block. null when the IBAN could not be validated: there was nothing to score."},"sanctions":{"additionalProperties":false,"properties":{"bank_sanctioned":{"type":"boolean"},"bank_screened":{"description":"False means no bank was screened; do not interpret bank_sanctioned as a finding.","type":"boolean"},"country_sanctioned":{"type":"boolean"},"fatf_status":{"type":"string"},"matched_lists":{"items":{"type":"string"},"type":"array"}},"required":["bank_screened","country_sanctioned","bank_sanctioned","matched_lists","fatf_status"],"type":"object"},"vop":{"additionalProperties":false,"properties":{"participant":{"type":"boolean"},"screened":{"type":"boolean"},"status":{"type":"string"}},"required":["screened","participant","status"],"type":"object"}},"required":["sanctions","reachability","vop","risk_score","risk_level","flags"],"type":"object"},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"meta":{"additionalProperties":{},"properties":{"disclaimer":{"type":"string"},"fatf_as_of":{"type":["string","null"]},"sanctions_as_of":{"type":["string","null"]},"scope":{"type":"string"},"sources":{"type":"string"}},"required":["scope","disclaimer"],"type":"object"},"modulus_check":{"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"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved.","type":["boolean","null"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc","compliance","meta"],"type":"object"}

before
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated.","type":"boolean"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. Re-paper the beneficiary against it.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}],"description":"Resolved BIC/SWIFT when BBAN→BIC mapping exists. Read basis before storing it as a routing instruction: only a national_register pairing is settlement-grade."},"check_digits":{"type":"string"},"clearing":{"anyOf":[{"additionalProperties":false,"properties":{"eurosic":{"type":"boolean"},"iid":{"type":"string"},"instant_payments_chf":{"type":"boolean"},"name":{"type":"string"},"qr_iid":{"type":["string","null"]},"sic":{"type":"boolean"},"town":{"type":["string","null"]},"type":{"type":"string"}},"required":["iid","name","type","town","sic","instant_payments_chf","eurosic","qr_iid"],"type":"object"},{"type":"null"}],"description":"Swiss clearing data when country is CH or LI."},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution","type":"string"}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"processing_ms":{"type":"number"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved.","type":["boolean","null"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc"],"type":"object"}

after
{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"bank_code_check":{"additionalProperties":false,"properties":{"as_of":{"type":"string"},"authoritative":{"description":"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.","type":"boolean"},"candidates":{"description":"BIC8 the prefix matched; >1 means the BIC may belong to another institution.","type":"number"},"check_digit":{"additionalProperties":false,"properties":{"algorithm":{"type":"string"},"valid":{"type":"boolean"}},"required":["valid","algorithm"],"type":"object"},"institution":{"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"},"match":{"description":"register (exact key) | prefix (bic8 LIKE heuristic) | null","type":["string","null"]},"reason":{"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"},"register":{"type":["string","null"]},"retired":{"description":"True when an authoritative register is withdrawing the code. Still a verified result: it WAS allocated.","type":"boolean"},"status":{"description":"verified | not_in_register | unavailable. A separate verdict on the bank code, so bic:null stops meaning three different things.","type":"string"},"superseded_by":{"description":"The bank code that takes over. Re-paper the beneficiary against it.","type":"string"},"value":{"type":"string"}},"required":["value","status","match","register","authoritative","as_of"],"type":"object"},"bban":{"additionalProperties":false,"properties":{"account_number":{"type":"string"},"bank_code":{"type":"string"},"branch_code":{"type":"string"}},"required":["bank_code","account_number"],"type":"object"},"bic":{"anyOf":[{"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"}]},"check_digits":{"type":"string"},"clearing":{"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."},"cost_usdc":{"description":"What THIS call was billed. Zero on the free MCP tier.","type":"number"},"country":{"additionalProperties":false,"properties":{"code":{"description":"ISO 3166-1 alpha-2 country code.","type":"string"},"name":{"type":"string"}},"required":["code","name"],"type":"object"},"error":{"type":"string"},"error_detail":{"type":"string"},"formatted":{"description":"IBAN with 4-char groups for display.","type":"string"},"iban":{"description":"Normalized IBAN (uppercase, no spaces).","type":"string"},"issuer":{"additionalProperties":false,"properties":{"classification":{"description":"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.","type":"string"},"iban_issuer":{"enum":["confirmed","not_listed"],"type":"string"},"name":{"type":"string"},"type":{"description":"bank | digital_bank | emi | payment_institution; null when unsubstantiated","type":["string","null"]}},"required":["type","name","classification"],"type":"object"},"list_price_usdc":{"description":"Catalogue price of the same call on the paid REST/x402 route.","type":"number"},"modulus_check":{"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"},"next_steps":{"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"},"official_identity":{"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":{"description":"One-line registered address as published.","type":["string","null"]},"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":{"type":["string","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"},"pra_authorisation":{"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"},"processing_ms":{"type":"number"},"psd_registration":{"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"},"risk_indicators":{"additionalProperties":false,"properties":{"country_risk":{"type":"string"},"issuer_type":{"description":"Null when no institution resolved — it no longer defaults to \"bank\".","type":["string","null"]},"sepa_reachable":{"type":"boolean"},"sepa_reachable_scope":{"description":"Scope the reachability holds at. Country-derived, not account-derived.","type":"string"},"test_bic":{"type":"boolean"},"vop_coverage":{"type":"boolean"}},"required":["issuer_type","country_risk","test_bic","sepa_reachable","sepa_reachable_scope","vop_coverage"],"type":"object"},"sepa":{"additionalProperties":false,"properties":{"basis":{"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"},"member":{"type":"boolean"},"schemes":{"items":{"type":"string"},"type":"array"},"vop_participant":{"description":"true = resolved bank is listed as ready in the EPC VoP scheme register; null = no institution resolved.","type":["boolean","null"]},"vop_required":{"type":"boolean"}},"required":["member","schemes","vop_required"],"type":"object"},"valid":{"type":"boolean"}},"required":["iban","valid","cost_usdc"],"type":"object"}