Fin Codes API
payment-ready until 2026-10-17
IBAN validation, SWIFT/BIC lookup, bank and branch reference data, Verification of Payee for supported SEPA accounts, and sanctions screening against the EU, UK, UN, OFAC, Swiss, Australian and Canadian lists.
Call it x402 v2
x402 v2
- Base URL
- https://api.fincodesapi.com/x402
- Payment
- x402 v2, header channel
$ curl -i -X POST 'https://api.fincodesapi.com/x402/bic/lookup' An unpaid request returns HTTP 402 with the payment terms. Sign a payment authorization, then retry with the PAYMENT-SIGNATURE header.
Endpoints 4 paid routes on api.fincodesapi.com
Prices as captured in the 402 response: median $0.04 across the 4 endpoints, unchanged since first capture.
Example 402 response
Endpoints and prices
| Method | Path | Description | Price | Network | Asset | 402 channel | Captured |
|---|---|---|---|---|---|---|---|
| POST | / | No description | $0.04 | Base | USDC | header | since 10-05 |
| POST | / | No description | $0.04 | Base | USDC | header | since 10-05 |
| POST | / | No description | $0.20 | Base | USDC | header | since 10-05 |
| POST | / | No description | $0.01 | Base | USDC | header | since 10-05 |
Payment evidence
402 payload captured at . Check evidence JSON · Measurement methodology.
First of 4 payloads captured by the monitor.
229 lines, scroll inside
{
"error": "Payment required",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0xcd0DDf5A922779279927c4CCfD443949C53908D4",
"amount": "40000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 60
}
],
"resource": {
"url": "https://api.fincodesapi.com/x402/bic/lookup",
"tags": [
"bic",
"swift",
"banking",
"bank-data",
"financial-data"
],
"mimeType": "application/json",
"description": "Look up a BIC/SWIFT using maintained financial-institution reference data. Returns bank, branch, location and country information where available. No account, API key or subscription required; x402 clients handle USDC payment automatically. Requests missing the bic field are rejected with HTTP 400 before payment. Price: $0.04 USDC per request.",
"serviceName": "Fin Codes API"
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"bic": "SOGEDEFF"
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"data": {
"id": "SOGEDEFF",
"bank": {
"id": "cfb1758f-1195-4be9-b981-3fc63da7306b",
"code": "SOGE",
"name": "SOCIETE GENERALE S.A.",
"country_id": "DE"
},
"city": {
"id": "c3eb05ae-2709-45c7-9799-d5e2fee08946",
"name": "Frankfurt Am Main",
"country_id": "DE"
},
"address": "NEUE MAINZER STRASSE 46-50",
"country": {
"id": "DE",
"name": "Germany"
},
"postcode": "60311",
"branch_code": "",
"branch_name": "SOGEBANK Frankfurt Main"
},
"success": true
}
}
},
"schema": {
"type": "object",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"body",
"bodyType"
],
"properties": {
"body": {
"type": "object",
"required": [
"bic"
],
"properties": {
"bic": {
"type": "string",
"example": "SOGEDEFF",
"description": "8- or 11-character BIC/SWIFT code to validate and look up."
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"type": "string",
"const": "POST"
},
"bodyType": {
"type": "string",
"const": "json"
}
}
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string",
"const": "json"
},
"example": {
"type": "object",
"properties": {
"data": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "SOGEDEFF",
"description": "BIC code"
},
"bank": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "cfb1758f-1195-4be9-b981-3fc63da7306b",
"description": "Bank ID"
},
"code": {
"type": "string",
"example": "SOGE",
"description": "4 letters bank code"
},
"name": {
"type": "string",
"example": "SOCIETE GENERALE S.A.",
"description": "Bank name"
},
"country_id": {
"type": "string",
"example": "DE",
"description": "ISO 3166-1 alpha-2 country code"
}
}
},
"city": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "c3eb05ae-2709-45c7-9799-d5e2fee08946",
"description": "City ID"
},
"name": {
"type": "string",
"example": "Frankfurt Am Main",
"description": "City name"
},
"country_id": {
"type": "string",
"example": "DE",
"description": "ISO 3166-1 alpha-2 country code"
}
}
},
"address": {
"type": "string",
"example": "NEUE MAINZER STRASSE 46-50",
"description": "Address"
},
"country": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "DE",
"description": "ISO 3166-1 alpha-2 country code"
},
"name": {
"type": "string",
"example": "Germany",
"description": "Country name"
}
}
},
"postcode": {
"type": "string",
"example": "60311",
"description": "Postcode"
},
"branch_code": {
"type": "string",
"example": "",
"description": "Branch code"
},
"branch_name": {
"type": "string",
"example": "SOGEBANK Frankfurt Main",
"description": "Branch name"
}
}
},
"success": {
"type": "boolean",
"example": true,
"description": "Success"
}
}
}
}
}
}
}
}
},
"x402Version": 2
} Other captured 402 responses (3)
Captured payload 2 of 4
{
"error": "Payment required",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0xcd0DDf5A922779279927c4CCfD443949C53908D4",
"amount": "40000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 60
}
],
"resource": {
"url": "https://api.fincodesapi.com/x402/iban/lookup",
"tags": [
"iban",
"banking",
"bank-data",
"payments",
"financial-data"
],
"mimeType": "application/json",
"description": "Validate and look up an IBAN using maintained banking reference data. Returns account structure, country, national bank/branch codes and the associated BIC/SWIFT where available. No account, API key or subscription required; x402 clients handle USDC payment automatically. Requests missing the iban field or containing other fields are rejected with HTTP 400 before payment. Price: $0.04 USDC per request.",
"serviceName": "Fin Codes API"
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"iban": "DE75512108001245126199"
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"data": {
"id": "DE75512108001245126199",
"bic": {
"id": "SOGEDEFF",
"bank": {
"id": "cfb1758f-1195-4be9-b981-3fc63da7306b",
"code": "SOGE",
"name": "SOCIETE GENERALE S.A.",
"country_id": "DE"
},
"city": {
"id": "c3eb05ae-2709-45c7-9799-d5e2fee08946",
"name": "Frankfurt Am Main",
"country_id": "DE"
},
"address": "NEUE MAINZER STRASSE 46-50",
"country": {
"id": "DE",
"name": "Germany"
},
"postcode": "60311",
"branch_code": "",
"branch_name": "SOGEBANK Frankfurt Main"
},
"country": {
"id": "DE",
"name": "Germany"
},
"account_number": "1245126199",
"national_bank_code": "51210800",
"national_branch_code": ""
},
"success": true
}
}
},
"schema": {
"type": "object",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"body",
"bodyType"
],
"properties": {
"body": {
"type": "object",
"required": [
"iban"
],
"properties": {
"iban": {
"type": "string",
"example": "DE75512108001245126199",
"description": "International Bank Account Number (IBAN) to validate and look up."
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"type": "string",
"const": "POST"
},
"bodyType": {
"type": "string",
"const": "json"
}
}
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string",
"const": "json"
},
"example": {
"type": "object",
"properties": {
"data": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "DE75512108001245126199",
"description": "IBAN code"
},
"bic": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "SOGEDEFF",
"description": "BIC code"
},
"bank": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "cfb1758f-1195-4be9-b981-3fc63da7306b",
"description": "Bank ID"
},
"code": {
"type": "string",
"example": "SOGE",
"description": "4 letters bank code"
},
"name": {
"type": "string",
"example": "SOCIETE GENERALE S.A.",
"description": "Bank name"
},
"country_id": {
"type": "string",
"example": "DE",
"description": "ISO 3166-1 alpha-2 country code"
}
}
},
"city": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "c3eb05ae-2709-45c7-9799-d5e2fee08946",
"description": "City ID"
},
"name": {
"type": "string",
"example": "Frankfurt Am Main",
"description": "City name"
},
"country_id": {
"type": "string",
"example": "DE",
"description": "ISO 3166-1 alpha-2 country code"
}
}
},
"address": {
"type": "string",
"example": "NEUE MAINZER STRASSE 46-50",
"description": "Address"
},
"country": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "DE",
"description": "ISO 3166-1 alpha-2 country code"
},
"name": {
"type": "string",
"example": "Germany",
"description": "Country name"
}
}
},
"postcode": {
"type": "string",
"example": "60311",
"description": "Postcode"
},
"branch_code": {
"type": "string",
"example": "",
"description": "Branch code"
},
"branch_name": {
"type": "string",
"example": "SOGEBANK Frankfurt Main",
"description": "Branch name"
}
}
},
"country": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "DE",
"description": "ISO 3166-1 alpha-2 country code"
},
"name": {
"type": "string",
"example": "Germany",
"description": "Country name"
}
}
},
"account_number": {
"type": "string",
"example": "1245126199",
"description": "Account number"
},
"national_bank_code": {
"type": "string",
"example": "51210800",
"description": "National bank code"
},
"national_branch_code": {
"type": "string",
"example": "",
"description": "National branch code"
}
}
},
"success": {
"type": "boolean",
"example": true,
"description": "Success"
}
}
}
}
}
}
}
}
},
"x402Version": 2
}Captured payload 3 of 4
{
"error": "Payment required",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0xcd0DDf5A922779279927c4CCfD443949C53908D4",
"amount": "200000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 60
}
],
"resource": {
"url": "https://api.fincodesapi.com/x402/iban/verify-payee",
"tags": [
"verification-of-payee",
"vop",
"iban",
"payments",
"banking"
],
"mimeType": "application/json",
"description": "Verify whether a payee name matches the account holder for a supported SEPA IBAN. Returns MATCH, CLOSE_MATCH, NO_MATCH, NOT_APPLICABLE or BANK_UNAVAILABLE together with IBAN and bank information enriched using maintained banking reference data. No account, API key or subscription required; x402 clients handle USDC payment automatically. Requests missing the iban or payee_name field are rejected with HTTP 400 before payment. Price: $0.20 USDC per request.",
"serviceName": "Fin Codes API"
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"iban": "DE75512108001245126199",
"payee_name": "John Doe"
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"data": {
"id": "DE75512108001245126199",
"bic": {
"id": "SOGEDEFF",
"bank": {
"id": "cfb1758f-1195-4be9-b981-3fc63da7306b",
"code": "SOGE",
"name": "SOCIETE GENERALE S.A.",
"country_id": "DE"
},
"city": {
"id": "c3eb05ae-2709-45c7-9799-d5e2fee08946",
"name": "Frankfurt Am Main",
"country_id": "DE"
},
"address": "NEUE MAINZER STRASSE 46-50",
"country": {
"id": "DE",
"name": "Germany"
},
"postcode": "60311",
"branch_code": "",
"branch_name": "SOGEBANK Frankfurt Main"
},
"country": {
"id": "DE",
"name": "Germany"
},
"account_number": "1245126199",
"payee_name_match": "MATCH",
"national_bank_code": "51210800",
"national_branch_code": ""
},
"success": true
}
}
},
"schema": {
"type": "object",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"body",
"bodyType"
],
"properties": {
"body": {
"type": "object",
"required": [
"iban",
"payee_name"
],
"properties": {
"iban": {
"type": "string",
"example": "DE75512108001245126199",
"description": "SEPA IBAN whose account holder name should be verified."
},
"payee_name": {
"type": "string",
"example": "John Doe",
"description": "Expected payee/account-holder name to verify."
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"type": "string",
"const": "POST"
},
"bodyType": {
"type": "string",
"const": "json"
}
}
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string",
"const": "json"
},
"example": {
"type": "object",
"properties": {
"data": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "DE75512108001245126199",
"description": "IBAN code"
},
"bic": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "SOGEDEFF",
"description": "BIC code"
},
"bank": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "cfb1758f-1195-4be9-b981-3fc63da7306b",
"description": "Bank ID"
},
"code": {
"type": "string",
"example": "SOGE",
"description": "4 letters bank code"
},
"name": {
"type": "string",
"example": "SOCIETE GENERALE S.A.",
"description": "Bank name"
},
"country_id": {
"type": "string",
"example": "DE",
"description": "ISO 3166-1 alpha-2 country code"
}
}
},
"city": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "c3eb05ae-2709-45c7-9799-d5e2fee08946",
"description": "City ID"
},
"name": {
"type": "string",
"example": "Frankfurt Am Main",
"description": "City name"
},
"country_id": {
"type": "string",
"example": "DE",
"description": "ISO 3166-1 alpha-2 country code"
}
}
},
"address": {
"type": "string",
"example": "NEUE MAINZER STRASSE 46-50",
"description": "Address"
},
"country": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "DE",
"description": "ISO 3166-1 alpha-2 country code"
},
"name": {
"type": "string",
"example": "Germany",
"description": "Country name"
}
}
},
"postcode": {
"type": "string",
"example": "60311",
"description": "Postcode"
},
"branch_code": {
"type": "string",
"example": "",
"description": "Branch code"
},
"branch_name": {
"type": "string",
"example": "SOGEBANK Frankfurt Main",
"description": "Branch name"
}
}
},
"country": {
"type": "object",
"properties": {
"id": {
"type": "string",
"example": "DE",
"description": "ISO 3166-1 alpha-2 country code"
},
"name": {
"type": "string",
"example": "Germany",
"description": "Country name"
}
}
},
"account_number": {
"type": "string",
"example": "1245126199",
"description": "Account number"
},
"payee_name_match": {
"enum": [
"MATCH",
"CLOSE_MATCH",
"NO_MATCH",
"NOT_APPLICABLE",
"BANK_UNAVAILABLE",
null
],
"type": [
"string",
"null"
],
"example": "MATCH",
"description": "Payee name match result"
},
"matched_payee_name": {
"type": [
"string",
"null"
],
"description": "Matched payee name returned by the bank for a CLOSE_MATCH result"
},
"national_bank_code": {
"type": "string",
"example": "51210800",
"description": "National bank code"
},
"national_branch_code": {
"type": "string",
"example": "",
"description": "National branch code"
}
}
},
"success": {
"type": "boolean",
"example": true,
"description": "Success"
}
}
}
}
}
}
}
}
},
"x402Version": 2
}Captured payload 4 of 4
{
"error": "Payment required",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0xcd0DDf5A922779279927c4CCfD443949C53908D4",
"amount": "10000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 60
}
],
"resource": {
"url": "https://api.fincodesapi.com/x402/sanctions-screening",
"tags": [
"sanctions",
"sanctions-screening",
"compliance",
"aml",
"kyc"
],
"mimeType": "application/json",
"description": "Screen a person, entity, vessel or aircraft name against the EU, UK, UN, OFAC (SDN and Consolidated), Swiss, Australian and Canadian sanctions lists, refreshed daily. Returns the matching sanctioned parties with match scores, programs, birth dates and list references, best match first; matches are name similarity and should be reviewed. No account, API key or subscription required; x402 clients handle USDC payment automatically. Requests missing the name field or containing other fields are rejected with HTTP 400 before payment. Price: $0.01 USDC per request.",
"serviceName": "Fin Codes API"
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"name": "Sadam Husein",
"type": "INDIVIDUAL",
"sources": [
"EU",
"OFAC_SDN"
],
"min_score": 90
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"data": {
"name": "Sadam Husein",
"matches": [
{
"id": "ef947777-8b4c-4859-b07b-042be956bf4a",
"name": "Saddam Hussein Al-Tikriti",
"type": "INDIVIDUAL",
"score": 90,
"source": "EU",
"programs": [
"IRQ"
],
"listed_on": "2003-07-08",
"birth_dates": [
"1937-04-28"
],
"matched_name": "Saddam Hussein Al-Tikriti",
"source_reference": "EU.27.28"
}
]
},
"success": true
}
}
},
"schema": {
"type": "object",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"body",
"bodyType"
],
"properties": {
"body": {
"type": "object",
"required": [
"name"
],
"properties": {
"name": {
"type": "string",
"example": "Sadam Husein",
"maxLength": 255,
"minLength": 2,
"description": "Name to screen."
},
"type": {
"enum": [
"INDIVIDUAL",
"ENTITY",
"VESSEL",
"AIRCRAFT"
],
"type": "string",
"example": "INDIVIDUAL",
"description": "Only match parties of this type."
},
"sources": {
"type": "array",
"items": {
"enum": [
"EU",
"UK",
"UN",
"OFAC_SDN",
"OFAC_CONS",
"CH",
"AU",
"CA"
],
"type": "string"
},
"example": [
"EU",
"OFAC_SDN"
],
"description": "Only screen against these sanctions lists. All lists by default."
},
"min_score": {
"type": "integer",
"default": 90,
"example": 90,
"maximum": 100,
"minimum": 70,
"description": "Minimum match score from 70 to 100."
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"type": "string",
"const": "POST"
},
"bodyType": {
"type": "string",
"const": "json"
}
}
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string",
"const": "json"
},
"example": {
"type": "object",
"properties": {
"data": {
"type": "object",
"properties": {
"name": {
"type": "string",
"example": "Sadam Husein",
"description": "Screened name"
},
"matches": {
"type": "array",
"items": {
"type": "object",
"properties": {
"id": {
"type": "string",
"format": "uuid",
"example": "ef947777-8b4c-4859-b07b-042be956bf4a",
"description": "Sanctioned party ID"
},
"name": {
"type": "string",
"example": "Saddam Hussein Al-Tikriti",
"description": "Primary name of the party"
},
"type": {
"enum": [
"INDIVIDUAL",
"ENTITY",
"VESSEL",
"AIRCRAFT"
],
"type": "string",
"example": "INDIVIDUAL",
"description": "Party type"
},
"score": {
"type": "integer",
"example": 90,
"description": "Match score from 0 to 100"
},
"source": {
"enum": [
"EU",
"UK",
"UN",
"OFAC_SDN",
"OFAC_CONS",
"CH",
"AU",
"CA"
],
"type": "string",
"example": "EU",
"description": "Sanctions list code"
},
"programs": {
"type": "array",
"items": {
"type": "string"
},
"example": [
"IRQ"
],
"description": "Sanctions programs or regimes"
},
"listed_on": {
"type": [
"string",
"null"
],
"format": "date",
"example": "2003-07-08",
"description": "Date the party was listed"
},
"birth_dates": {
"type": "array",
"items": {
"type": "string"
},
"example": [
"1937-04-28"
],
"description": "Known birth dates: YYYY, YYYY-MM or YYYY-MM-DD"
},
"matched_name": {
"type": "string",
"example": "Saddam Hussein Al-Tikriti",
"description": "Name or alias of the party that matched"
},
"source_reference": {
"type": "string",
"example": "EU.27.28",
"description": "Reference of the party in the sanctions list"
}
}
},
"description": "Matching sanctioned parties, best match first. Empty if the name matches no sanctioned party"
}
}
},
"success": {
"type": "boolean",
"example": true,
"description": "Success"
}
}
}
}
}
}
}
}
},
"x402Version": 2
}Can I trust it score from our own monitoring
score from our own monitoring
#38 of 102 in Finance. Bands: strong 93+, solid 75+, mixed 55+, weak below 55.
- Reliability
- 97.5% uptime since 09-21
- Compliance
- A 14/14 checks pass
- Price
- $0.01 to $0.20 p49 in Finance
- Risk
- clean no risk flag
- Traction
- $0.54 30d 2 buyers, top buyer 92% (address, not entity)
- Last change
- schema changed 6d ago 1 in 30d
14/14 compliance checks
- 402 payload captured
- accepts[] array present
- payTo address recoverable
- payTo at accepts[0].payTo (conformant shape)
- payTo is a valid on-chain address
- atomic price declared
- atomic price in a sane range
- asset (token) address declared
- network resolves to CAIP-2
- payment scheme declared
- served over HTTPS
- declares the current x402 version (2)
- EIP-712 domain parameters present on every EVM entry
- x402 v2 envelope delivered in the payment-required header
402 terms unchanged since 2026-10-05. Last up 2026-10-10.
── Site signals
- homepage reachable
- openapi doc
- pricing page
- llms.txt
- robots.txt
- terms page
How the score works
What the score read on this service: status online, 97.5% uptime 30d, 596ms response p95, x402 compliance 14 of 14, $0.01 price against the category, on-chain traction measured. Each of those is measured, and each is published in full below.
The score comes from our own monitoring, never from reviews, operator claims, or a language model: reliability, x402 compliance, price against the category, a deterministic risk flag, and a small on-chain traction term, weighted by ranking generation 3. It is not placement anyone can buy: the paid verify tier is reported beside it and is not one of its inputs. Every component below stays published and read-only.
Bands on the 0 to 100 measured score: strong at 93 and above, solid from 75, mixed from 55, weak below 55. Price and speed are scored against the whole category field, every listing in it that carries no danger flag, the scored service included, so the score places a service in its own field.
It is a score inside Finance, and only there: price and speed are scored against the whole category field, every listing in it that carries no danger flag, the scored service included, which here means 102 listings, this one among them: the same 102 the position above is counted against. When the two differ, the field is the wider one, because a listing we have measured too little of to rank still sits in the field the price and the speed are normalized over. The same service in a different field would read differently. The same engine answers GET /api/v1/best, and asked for a different pool (the whole directory, or another filter) it returns a different number for this service under this same ranking generation. Neither is more correct: they answer different questions, and the methodology states which is which.
Settled via payAI ($0.54, 11 tx). Traction is a conservative undercount; first settlement seen 2026-09-18.
All measured facts
What it does
IBAN validation, SWIFT/BIC lookup, bank and branch reference data, Verification of Payee for supported SEPA accounts, and sanctions screening against the EU, UK, UN, OFAC, Swiss, Australian and Canadian lists.
Fin Codes API is a listed x402 Finance API. Captured payment terms name Base. Monitoring and settlement figures below describe the observations available to this directory; an unpaid HTTP 402 check does not prove that a paid call will deliver.
Assessment computed at . Latest service check observed at . Service data JSON · Measurement methodology.
Page rendered at . This response time is separate from the observation and computation times attached to each measurement.
Latest endpoint observation: . Latest price capture: . Prices are recorded quotes, not a promise of availability. Token assets and payment terms are listed separately. Endpoint data JSON · Price history JSON · Measurement methodology.
Assessment computed at . Uptime uses the stated daily-rollup window; response times are in milliseconds, compliance is passed/evaluated checks, and traction is a measured settlement floor. The comparison score is out of 100 within this category. Assessment JSON · Measurement methodology.
Observed daily coverage: 2026-09-11 to 2026-10-10 UTC. Daily monitoring and settlement rollups do not expose their computation time; a bucket date is not an update timestamp. Latest settlement in the assessment: . Uptime and response JSON · Volume JSON · Buyers JSON · Measurement methodology.
Ranked from the measured category pool, refreshed at most once a minute. The comparison has no persisted computation timestamp; the assessment time above belongs to this service only. Ranking API documentation · Ranking methodology.
x402 List home · Services · Finance
- uptime · latest daily rollup
- 100%
- uptime 7d
- 99%
- uptime 30d
- 97.5%
- uptime 90d
- 97.5%
- response p95
- 596ms
- avg response
- 532ms
- total checks
- 1,299
Measured on the unpaid 402 handshake, not the paid call. A service can 402 correctly and still fail after payment.
- price (min)
- $0.01
- price (max)
- $0.20
- category percentile (min)
- p49 in Finance
- category percentile (max)
- p72 in Finance
- endpoints / prices
- 4 / 3
- model
- tiered
- stability
- 100%
No deterministic risk flag. Risk fires only on an exact blocklist match, or a reserved-brand name with a mismatched verified payTo. Never from low uptime, a high price, or a model guess.
- domain age
- 423d
- registrar
- NameCheap, Inc.
- hosting
- custom
- domain created
- 2025-08-08
Identity facts, not a risk score.
- assessment volume 30d
- $0.54
- exact assessment volume 30d (USD)
- 0.54
- assessment recorded at (UTC)
- 2026-10-10T11:33:03.370Z
- buyers 30d
- 2
- settlements 30d
- 11
- measured since
- 2026-09-18 (start of our harvest window)
- last settlement
- 2026-10-02
- top buyer share
- 92% of 30d volume (address, not entity)
- top 3 buyers share
- -
- concentrated volume
- no
- trend 7d vs 30d
- 0.00x the 30d daily rate
- networks
- eip155:8453
- volume all-time
- $0.54
- settlements all-time
- 11
- median settlement 30d
- $0.04
- max settlement 30d
- $0.20
Assessment volume uses the latest 30d assessment. Over time sums daily address snapshots, rounded to cents and refreshed separately. The two sources can differ in timing, precision and shared-address attribution. Amounts use cents for comparison; known sub-cent values keep up to 12 significant digits. The exact stored assessment value is shown above.
Conservative undercount: only USDC settlements via facilitators we measure are counted. A measured floor, not an estimate.
Top buyer share lowers the on-chain traction part of the ranking score behind this page's verdict and /best, by up to half when one address holds all 30d volume. The Recommended and Highest volume sorts of the services list do not use it; they use the Concentrated volume rule instead.
- member since
- 2026-09-21
Recent checks
| Checked at (UTC) | Status | HTTP | Response | Endpoints |
|---|---|---|---|---|
| Online | 402 | 203ms | 4 | |
| Online | 402 | 208ms | 4 | |
| Online | 402 | 352ms | 4 | |
| Online | 402 | 286ms | 4 | |
| Online | 402 | 303ms | 4 | |
| Online | 402 | 334ms | 4 | |
| Online | 402 | 280ms | 4 | |
| Online | 402 | 187ms | 4 | |
| Online | 402 | 458ms | 4 | |
| Online | 402 | 258ms | 4 | |
| Online | 402 | 494ms | 4 | |
| Online | 402 | 444ms | 4 | |
| Online | 402 | 239ms | 4 | |
| Online | 402 | 555ms | 4 | |
| Online | 402 | 341ms | 4 | |
| Online | 402 | 783ms | 4 | |
| Online | 402 | 411ms | 4 | |
| Online | 402 | 516ms | 4 |
Changes1 in 30d
| Observed at (UTC) | Change | Evidence |
|---|---|---|
| schema changed | endpoint removed endpoint removed endpoint added endpoint added endpoint added endpoint added schema removed schema removed schema added schema added schema added schema added |
Over time
- Volume 30d
- $0.54
- Uptime
- 7 of 22 completed days below 100%
More charts
09-11 to 10-10* UTC
Scores over time
09-11 to 10-10* UTC
09-11 to 10-10* UTC
09-11 to 10-10* UTC
Scores: one day per column, 09-11 to 10-10*, on the columns of Response time. Uptime held below 100% on some days in this window, including any partial day. Daily readings remain in the Uptime strip and Values. The checklist grew from 11 to 14 checks on 2026-07-28, before this window. Pillar lines use their own low and high. Exact dated readings are available in each readout and in Values.
Each series spans only the dates it has data for. Every series is also served as JSON at /api, /scores, /volume and /buyers.
Values
* today so far, partial (UTC).
The uptime summary counts completed UTC days only. The strip, readouts and table retain today's partial reading.
Daily snapshot total, 30d: $0.54, peak $0.30 on 09-30. The visible 30d total in Traction comes from the latest assessment. These sources can differ in their window, refresh time, cent rounding and shared-address attribution.
Daily address snapshots: 2026-09-11 to 2026-10-10 UTC; * today so far, partial (UTC). Daily snapshots store cents. A recorded $0.00 with settlements cannot distinguish exact zero from volume rounded away. Lost precision is unavailable here.
Settlement volume uses the stored USD valuation of tracked payments; it is distinct from token quantities. USD-pegged assets are valued at 1 USD per token in these rollups. The measured settlement floor does not cover all payments to this service.
Assessment history last recorded at . Each UTC day uses its last recorded run; missing readings stay unmeasured. Assessment history JSON · Measurement methodology.
| Day | Volume | Buyers | Settlements | Uptime | Response | Compliance | Price percentile | Site signals |
|---|---|---|---|---|---|---|---|---|
| 2026-09-18 | $0.16 | 1 | 4 | no data | no data | no data | no data | no data |
| 2026-09-19 | no data | no data | no data | no data | no data | no data | no data | no data |
| 2026-09-20 | no data | no data | no data | no data | no data | no data | no data | no data |
| 2026-09-21 | no data | no data | no data | 100% | 584.18ms | 14/14 | p71 | 2/6 |
| 2026-09-22 | no data | no data | no data | 100% | 579.52ms | 14/14 | p71 | 2/6 |
| 2026-09-23 | $0.04 | 1 | 1 | 100% | 687.44ms | 14/14 | p70 | 2/6 |
| 2026-09-24 | no data | no data | no data | 100% | 596.30ms | 14/14 | p70 | 2/6 |
| 2026-09-25 | no data | no data | no data | 100% | 555.54ms | 14/14 | p70 | 2/6 |
| 2026-09-26 | no data | no data | no data | 100% | 698.91ms | 14/14 | p69 | 2/6 |
| 2026-09-27 | no data | no data | no data | 100% | 669.39ms | 14/14 | p69 | 2/6 |
| 2026-09-28 | no data | no data | no data | 96.67% | 730.76ms | 14/14 | p69 | 2/6 |
| 2026-09-29 | no data | no data | no data | 100% | 607.31ms | 14/14 | p69 | 2/6 |
| 2026-09-30 | $0.30 | 1 | 5 | 62.5% | 629.40ms | 14/14 | p69 | 2/6 |
| 2026-10-01 | no data | no data | no data | 0% | no data | 14/14 | p69 | 4/6 |
| 2026-10-02 | $0.04 | 1 | 1 | 0% | no data | 14/14 | p69 | 4/6 |
| 2026-10-03 | no data | no data | no data | 0% | no data | 14/14 | p69 | 4/6 |
| 2026-10-04 | no data | no data | no data | 0% | no data | 14/14 | p69 | 4/6 |
| 2026-10-05 | no data | no data | no data | 100% | 352.33ms | 14/14 | p48 | 4/6 |
| 2026-10-06 | no data | no data | no data | 100% | 387.06ms | 14/14 | p49 | 4/6 |
| 2026-10-07 | no data | no data | no data | 100% | 366.91ms | 14/14 | p49 | 4/6 |
| 2026-10-08 | no data | no data | no data | 98.89% | 401.79ms | 14/14 | p50 | 4/6 |
| 2026-10-09 | no data | no data | no data | 100% | 355.07ms | 14/14 | p50 | 4/6 |
| 2026-10-10* | no data | no data | no data | 100% | 290.59ms | 14/14 | p49 | 4/6 |
Alternatives in Finance
5 of 101 other ranked services in Finance, ordered by the same measured score.
Own this service?
Keep this listing accurate. Ownership is proven with a domain check and every change is reviewed by hand.
Update this listingEarn the verified tier: x402list pays a real call to this endpoint and, if it delivers, the service is delivery-verified. The fee covers the cost of the probe, not the badge; there is no refund if the call does not deliver. Agent and API only, no in-browser signing. See /api.
Verify this service ($0.25)Embed a badge
HTML
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Markdown
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Delisting
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