●
IBANforge
Verification PAYMENT-READYpayment-ready until 2026-09-08
IBAN validation and BIC/SWIFT lookup backed by primary bank registries (GLEIF, SIX, Bundesbank, EBA, Bank of England). Returns bank identity, SEPA and Verification of Payee reachability, sanctions and risk flags, Swiss clearing detail, ISO 20022 structured addresses. Pay per call in USDC via x402, no account needed. MCP server available for AI agents.
Pay from $0.002 to $0.02 per request in USDC on Base, settled onchain via the x402 protocol, no signup, no API key needed.
listed 2026-08-31 · no on-chain settlement recorded yet
VERDICT
ranking generation 3solid 89/100 #14 of 58 in Verification by measured score
What the score read on this service: status online, 100% uptime 30d, 464ms response p95, x402 compliance 14 of 14, $0.002 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.
It is a score inside Verification, 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 58 listings, this one among them. That set is wider than the 58 the position above is counted against, 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.
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.
ALTERNATIVES IN VERIFICATION
Other Verification services in this directory, ordered by the same measured score. The figures are ours: 30-day uptime from our own probes, 30-day settlement volume read on-chain (a conservative undercount, and null where we cannot measure it, never a zero).
| SERVICE | BAND | SCORE | UPTIME 30D | VOL 30D |
|---|---|---|---|---|
| 10x402 | strong | 97 | 100% | --- |
| Hermes Plant | strong | 96 | 100% | --- |
| probe402 | strong | 96 | 100% | --- |
| Permit Verdict Settlement Oracle | strong | 95 | 100% | --- |
| Aegis | strong | 95 | 99.5% | --- |
5 of 57 other ranked services in Verification
ASSESSMENT
updated 2h agoThe parts the verdict above is computed from, each with its proof. Click any chip. Measured values stay read-only; unknown is honest, and an unknown is never counted as a zero.
reliability 100%
- uptime 24h
- 100%
- uptime 7d
- 100%
- uptime 30d
- 100%
- uptime 90d
- 100%
- response p95
- 464ms
- avg response
- 277ms
- total checks
- 24
Measured on the unpaid 402 handshake, not the paid call. A service can 402 correctly and still fail after payment.
compliance A (14/14)
14 of 14 x402 conformance checks pass. Full checklist below.
price $0.002 to $0.02 (p13 in Verification)
- price (min)
- $0.002
- price (max)
- $0.02
- category percentile (min)
- p13 in Verification
- category percentile (max)
- p28 in Verification
- endpoints / prices
- 3 / 3
- model
- tiered
- stability
- 100%
risk clean
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
- 151d
- registrar
- Infomaniak Network SA
- hosting
- custom
- domain created
- 2026-04-01
Identity facts, not a risk score.
traction $0.00 30d · 0 buyers
- volume 30d
- $0.00
- buyers 30d
- 0
- settlements 30d
- 0
- measured since
- --- (start of our harvest window)
- last settlement
- ---
- top buyer share
- -
- trend 7d vs 30d
- -
- networks
- eip155:8453
- volume all-time
- $0
- settlements all-time
- 0
- median settlement 30d
- -
- max settlement 30d
- -
- settled via
- -
Conservative undercount: only USDC settlements via facilitators we measure are counted. A measured floor, not an estimate.
Top buyer share is a concentration signal, not part of the ranking score.
WHAT IT DOES
ai-derivedNo AI synthesis has been produced for this service yet.
ENDPOINTS
| METHOD | PATH | DESCRIPTION | PRICE | NETWORK | ASSET | 402 CHANNEL |
|---|---|---|---|---|---|---|
| GET | /v1/iban/batch | $0.002 | Base | USDC | header | |
| GET | /v1/iban/compliance | $0.02 | Base | USDC | header | |
| GET | /v1/iban/validate | $0.005 | Base | USDC | header |
3 endpoints
REQUEST / RESPONSE EXAMPLE
An unpaid request to GET /v1/iban/batch returns HTTP 402 with the payment terms. Settle onchain via your facilitator, then retry with the X-Payment header.
// request
curl -i 'https://api.ibanforge.com/v1/iban/batch'
// 402 response (captured by monitor) · 3 payloads · click to expand
[
{
"error": "Payment required",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0xD13bD0A4120BA301125290e5cc0c7EFD4CB40a55",
"amount": "5000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 60
}
],
"resource": {
"url": "https://api.ibanforge.com/v1/iban/validate",
"tags": [
"iban",
"bic",
"sepa",
"compliance",
"banking"
],
"iconUrl": "https://ibanforge.com/logo.svg",
"mimeType": "application/json",
"description": "Validate a European IBAN and enrich it with bank, compliance and routing data. Use whenever the user mentions an IBAN, a bank account, a SEPA payment or asks who the bank is. Returns: valid, country, BIC/SWIFT, bank name, EMI/vIBAN flag, SEPA + VoP reachability, risk score, Swiss bc_nummer for CH/LI. Production · server processing <5ms (network excluded — measure your own round trip on GET /ping) · 121,000+ BICs (39,000+ LEI via GLEIF) + 1,100+ SIX · v1.4.4.",
"serviceName": "IBANforge"
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"iban": "CH1000230000000012345"
},
"type": "http",
"method": "GET",
"schema": {
"type": "object",
"required": [
"iban"
],
"properties": {
"iban": {
"type": "string",
"maxLength": 34,
"minLength": 15,
"description": "IBAN to validate (spaces and lowercase accepted)."
}
}
},
"bodyType": "json",
"discoverable": true
},
"output": {
"type": "json",
"example": {
"bic": {
"city": "Zürich",
"code": "UBSWCHZH",
"bank_name": "UBS Switzerland AG"
},
"bban": {
"bank_code": "00230",
"account_number": "000000012345"
},
"iban": "CH1000230000000012345",
"sepa": {
"member": true,
"schemes": [
"SCT",
"SDD"
],
"vop_required": false
},
"valid": true,
"issuer": {
"name": "UBS Switzerland AG",
"type": "bank",
"classification": "default"
},
"country": {
"code": "CH",
"name": "Switzerland"
},
"clearing": {
"iid": "00230",
"sic": true,
"name": "UBS Switzerland AG",
"town": "Zürich",
"type": "bank",
"qr_iid": null,
"eurosic": true,
"instant_payments_chf": true
},
"cost_usdc": 0.005,
"formatted": "CH10 0023 0000 0000 1234 5",
"check_digits": "10",
"_example_notice": "ILLUSTRATIVE SAMPLE — these are demo values for a fixed record, NOT the data for the resource you requested. Do not report them to a user. Authenticate (Authorization: Bearer ifk_...) or pay via x402 to get the real response.",
"bank_code_check": {
"as_of": "2026-07",
"match": "register",
"value": "00230",
"status": "verified",
"register": "SIX BankMaster (Swiss IID / BC-Nummer register)",
"authoritative": true
},
"risk_indicators": {
"test_bic": false,
"issuer_type": "bank",
"country_risk": "standard",
"vop_coverage": false,
"sepa_reachable": true,
"sepa_reachable_scope": "country"
}
}
}
},
"schema": {
"properties": {
"input": {
"required": [
"method"
],
"properties": {
"method": {
"enum": [
"GET"
],
"type": "string"
}
}
}
}
},
"bodyType": "json",
"inputSchema": {
"type": "object",
"required": [
"iban"
],
"properties": {
"iban": {
"type": "string",
"maxLength": 34,
"minLength": 15,
"description": "IBAN to validate. Spaces and lowercase accepted. Example: CH1000230000000012345"
}
}
},
"discoverable": true,
"outputSchema": {
"type": "object",
"properties": {
"bic": {
"type": "object",
"properties": {
"city": {
"type": "string"
},
"code": {
"type": "string"
},
"bank_name": {
"type": "string"
}
},
"description": "Resolved BIC/SWIFT (when BBAN→BIC mapping exists). Null when unresolved."
},
"bban": {
"type": "object",
"properties": {
"bank_code": {
"type": "string"
},
"branch_code": {
"type": "string"
},
"account_number": {
"type": "string"
}
}
},
"iban": {
"type": "string",
"description": "Normalized IBAN (uppercase, no spaces)."
},
"sepa": {
"type": "object",
"properties": {
"member": {
"type": "boolean"
},
"schemes": {
"type": "array",
"items": {
"enum": [
"SCT",
"SDD",
"SCT_INST"
],
"type": "string"
}
},
"vop_required": {
"type": "boolean",
"description": "Verification of Payee (EU 2024/886) obligation for this country."
}
}
},
"valid": {
"type": "boolean"
},
"issuer": {
"type": "object",
"properties": {
"name": {
"type": "string"
},
"type": {
"enum": [
"bank",
"digital_bank",
"emi",
"payment_institution"
],
"type": "string"
},
"classification": {
"enum": [
"curated",
"register",
"default"
],
"type": "string",
"description": "curated = identified from the issuer set; register = an official register names the holder of this bank code (see psd_registration for its source and date); default = 'bank' fallback, 97.9% of BIC8."
}
}
},
"country": {
"type": "object",
"properties": {
"code": {
"type": "string",
"description": "ISO 3166-1 alpha-2."
},
"name": {
"type": "string"
}
}
},
"clearing": {
"type": "object",
"properties": {
"iid": {
"type": "string",
"description": "5-digit zero-padded BC-Nummer."
},
"sic": {
"type": "boolean"
},
"name": {
"type": "string"
},
"town": {
"type": "string"
},
"type": {
"enum": [
"bank",
"cantonal_bank",
"postfinance",
"raiffeisen",
"central_bank",
"foreign_participant"
],
"type": "string"
},
"qr_iid": {
"type": "string",
"description": "QR-IID allocation, null when none."
},
"eurosic": {
"type": "boolean"
},
"instant_payments_chf": {
"type": "boolean"
}
},
"description": "Swiss clearing data when country is CH or LI and the IID is in the SIX BankMaster. Null otherwise."
},
"cost_usdc": {
"type": "number"
},
"formatted": {
"type": "string",
"description": "IBAN with 4-char groups, e.g. CH10 0023 0000 0000 1234 5."
},
"next_steps": {
"type": "array",
"items": {
"type": "object",
"required": [
"code",
"do",
"because"
],
"properties": {
"do": {
"type": "string",
"description": "The instruction, in one sentence an agent can relay to a person."
},
"code": {
"type": "string",
"description": "Stable identifier. Today: bank_code_not_allocated (the national register denies the code, do not send), bank_code_retired (allocated but being withdrawn, re-paper against superseded_by), verify_payee_name (we cannot confirm it, treat as unavailable and let a name check decide), bic_is_advisory (the BIC was picked from several candidates), issuer_not_a_known_iban_issuer (the code resolves to a BIC, but its holder is not among the providers known to issue IBANs in that country), test_bic, expect_virtual_iban (curated non-bank issuer, account holder and IBAN holder often differ), screen_compliance, generate_payment_qr (partner handoff to PayQR on a register-confirmed SEPA account: generate and self-check a SPAYD or EPC/GiroCode payment QR)."
},
"action": {
"type": "string",
"description": "The call that performs the step, when one exists: an IBANforge endpoint, or the partner site for a partner handoff."
},
"because": {
"type": "string",
"description": "The field of this response that produced the step, so the advice is auditable."
}
}
},
"description": "Ordered advice derived from THIS result: what blocks a payment first, what merely enriches it after. Branch on `code`, never on the prose. Absent or empty for an IBAN that failed validation, since the error already says what to do."
},
"check_digits": {
"type": "string"
},
"processing_ms": {
"type": "number"
},
"bank_code_check": {
"type": "object",
"required": [
"value",
"status",
"match",
"register",
"authoritative",
"as_of"
],
"properties": {
"as_of": {
"type": "string",
"description": "Year-month the consulted reference set was last refreshed. Where the register publishes an effective date of its own it is that date, not ours: the Bulgarian BAE register is republished on request rather than on a calendar, so dating it with our monthly refresh would overstate how current it is."
},
"match": {
"enum": [
"register",
"prefix",
null
],
"type": [
"string",
"null"
],
"description": "register: exact key in the reference set, deterministic. prefix: the bic8 LIKE fallback, reachable only in the 30 countries whose bank code may open on a letter (a BIC8 always does) — check candidates."
},
"value": {
"type": "string",
"description": "The bank code that was actually checked. Normally identical to bban.bank_code. It differs in Finland, where the monetary institution code is 1 to 4 characters depending on its leading digits while bban.bank_code stays the fixed positional slice: a Nordea IBAN carries bban.bank_code \"123\" and value \"1\". When they differ, this field is the one the verdict is about."
},
"reason": {
"enum": [
"not_allocated",
"absent_from_reference_data",
"no_reference_data_for_country",
"register_names_no_holder",
"national_register_unavailable",
"lookup_failed"
],
"type": "string",
"description": "WHY the verdict is not verified, as one token to branch on. Present on every not_in_register and every unavailable; absent on verified. not_allocated: a national register denies the code — the only value that licenses \"do not send\", and it appears only with authoritative true. absent_from_reference_data: our composite map does not carry it, which says nothing about the country's own register because we did not consult one. no_reference_data_for_country: we hold nothing at all for this country. register_names_no_holder: the national register defines this code space and publishes no holder for it — silence, not a denial. national_register_unavailable: the country HAS a register we normally decide against and it could not be consulted for this call, so the verdict beside it comes from the composite map and carries composite weight. lookup_failed: the reference lookup could not run at all (timeout, unreadable database, missing table). The last two describe US, never your beneficiary: neither is evidence about the account, and neither may be escalated into a refusal."
},
"status": {
"enum": [
"verified",
"not_in_register",
"unavailable"
],
"type": "string",
"description": "verified: resolves to an institution we can name. not_in_register: it does not, in reference data we do hold for this country — actionable as non-existence ONLY when authoritative is true. unavailable: we hold no reference data for this country, so no opinion."
},
"retired": {
"type": "boolean",
"description": "Present and true when an authoritative register marks the code for deletion: the institution is being retired. The code WAS allocated, so this is a verified result, not a denial. See superseded_by."
},
"register": {
"type": [
"string",
"null"
],
"description": "Name of the reference set consulted. For LV and GI it names a published structural rule instead — Latvijas Banka and the Gibraltar Financial Services Commission (Guidance Note 07) both publish that IBAN positions 5-8 ARE the first four characters of the institution's BIC. That is a documented rule rather than our own assembly, but it says how to READ the IBAN, not that the BIC it points at was allocated, so authoritative stays false."
},
"candidates": {
"type": "integer",
"description": "BIC8 the search matched. Present for match=prefix, and for the LV/GI structural rule when the published rule alone leaves more than one BIC8 standing. Greater than 1 means the returned BIC is one of several and may belong to a different institution than the account does."
},
"institution": {
"type": "object",
"required": [
"name",
"street",
"post_code",
"town",
"country"
],
"properties": {
"lei": {
"type": [
"string",
"null"
],
"description": "Legal Entity Identifier, where the register publishes one (the OeNB does, 99% of entries)."
},
"name": {
"type": "string"
},
"town": {
"type": [
"string",
"null"
]
},
"street": {
"type": [
"string",
"null"
],
"description": "One line, house number included, matching the GLEIF shape. Null where the register publishes none (DE, BE)."
},
"country": {
"type": "string"
},
"post_code": {
"type": [
"string",
"null"
]
}
},
"description": "What the national register publishes about the allocated institution. Present only on an authoritative answer — composite-map hits stay bare (naming a BIC holder is the bic block, and its address would imply a register that was not consulted). Depth varies by register: SIX (CH/LI) and the OeNB (AT) publish the full seat address, the Bundesbank (DE) publishes postal code and town only, the Banque nationale de Belgique (BE) and the Bulgarian National Bank (BG) publish names alone; Finland stays without this block, its codes belong to banking groups. Names are served exactly as the register writes them, which for BG means Cyrillic — transliterating would be an alteration its terms forbid. Absent fields are null, never guessed. This is the institution allocated the BANK CODE — not a branch, and not proof of any account."
},
"authoritative": {
"type": "boolean",
"description": "True only where that reference set is the national register: today CH and LI against the SIX BankMaster, DE against the Bundesbank Bankleitzahlendatei, FI against the Finance Finland monetary institution list, AT against the Oesterreichische Nationalbank SEPA-Zahlungsverkehrs-Verzeichnis, BE against the Banque nationale de Belgique bank identification codes, and BG against the Bulgarian National Bank BAE register. This is the flag to branch on: everywhere else an absence is evidence of absence from our data, not of non-existence. Two asymmetries worth knowing: FI allocates prefixes to banking groups rather than to institutions, so a Finnish verified confirms the group and its BIC rather than one specific bank; and a Bulgarian BAE code covers IBAN positions 5-12 (bank code AND branch digits) while the verdict is made on the four-letter bank code alone, because the register does not enumerate every bank branch to one standard. The negative direction carries full weight in all seven."
},
"superseded_by": {
"type": "string",
"description": "The bank code that takes over, when the register names one. Re-paper the beneficiary against it."
}
},
"description": "Separate verdict on the BBAN bank code. `valid` answers ISO 13616 (structure + mod-97) and says nothing about whether the bank code identifies an institution; this field answers that, and states how much weight the answer carries. Present only when the IBAN is valid."
},
"risk_indicators": {
"type": "object",
"properties": {
"test_bic": {
"type": "boolean"
},
"issuer_type": {
"enum": [
"bank",
"digital_bank",
"emi",
"payment_institution",
null
],
"type": [
"string",
"null"
],
"description": "Null when no institution resolved. It no longer defaults to \"bank\" for an institution we did not find."
},
"country_risk": {
"enum": [
"standard",
"elevated",
"high"
],
"type": "string"
},
"vop_coverage": {
"type": "boolean"
},
"sepa_reachable": {
"type": "boolean"
},
"sepa_reachable_scope": {
"enum": [
"country"
],
"type": "string",
"description": "Scope sepa_reachable holds at. Derived from the country, never from the account."
}
},
"description": "AML/CFT pre-screening indicators."
}
}
}
}
},
"x402Version": 2
},
{
"error": "Payment required",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0xD13bD0A4120BA301125290e5cc0c7EFD4CB40a55",
"amount": "2000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 60
}
],
"resource": {
"url": "https://api.ibanforge.com/v1/iban/batch",
"tags": [
"iban",
"bic",
"sepa",
"compliance",
"banking"
],
"iconUrl": "https://ibanforge.com/logo.svg",
"mimeType": "application/json",
"description": "Validate up to 100 IBANs in one call at $0.002 per IBAN (2.5x cheaper per IBAN than single calls at $0.005, and one settlement instead of N). A quote asked for without a body is the 1-IBAN minimum, $0.002 — the same figure the catalog lists. Use for CSV cleanup, customer DB dedup, or pre-flight payout list triage. Production · server processing <5ms (network excluded — measure your own round trip on GET /ping) for a 100-IBAN batch · 121,000+ BICs · v1.4.4.",
"serviceName": "IBANforge"
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"ibans": [
"CH1000230000000012345",
"DE89370400440532013000"
]
},
"type": "http",
"method": "GET",
"schema": {
"type": "object",
"required": [
"ibans"
],
"properties": {
"ibans": {
"type": "array",
"items": {
"type": "string"
},
"maxItems": 100,
"minItems": 1,
"description": "Array of 1 to 100 IBAN strings."
}
}
},
"bodyType": "json",
"discoverable": true
},
"output": {
"type": "json",
"example": {
"count": 2,
"results": [
{
"bic": {
"city": "Zürich",
"code": "UBSWCHZH",
"bank_name": "UBS Switzerland AG"
},
"iban": "CH1000230000000012345",
"valid": true,
"country": {
"code": "CH",
"name": "Switzerland"
}
},
{
"bic": {
"city": "Köln",
"code": "COBADEFFXXX",
"bank_name": "Commerzbank"
},
"iban": "DE89370400440532013000",
"valid": true,
"country": {
"code": "DE",
"name": "Germany"
}
}
],
"cost_usdc": 0.004,
"valid_count": 2,
"_example_notice": "ILLUSTRATIVE SAMPLE — these are demo values for a fixed record, NOT the data for the resource you requested. Do not report them to a user. Authenticate (Authorization: Bearer ifk_...) or pay via x402 to get the real response."
}
}
},
"schema": {
"properties": {
"input": {
"required": [
"method"
],
"properties": {
"method": {
"enum": [
"GET"
],
"type": "string"
}
}
}
}
},
"bodyType": "json",
"inputSchema": {
"type": "object",
"required": [
"ibans"
],
"properties": {
"ibans": {
"type": "array",
"items": {
"type": "string"
},
"maxItems": 100,
"minItems": 1,
"description": "Array of 1 to 100 IBAN strings."
}
}
},
"discoverable": true,
"outputSchema": {
"type": "object",
"properties": {
"count": {
"type": "number",
"description": "Total IBANs processed."
},
"results": {
"type": "array",
"items": {
"type": "object",
"properties": {
"bic": {
"type": "object",
"properties": {
"city": {
"type": "string"
},
"code": {
"type": "string"
},
"bank_name": {
"type": "string"
}
},
"description": "Resolved BIC/SWIFT (when BBAN→BIC mapping exists). Null when unresolved."
},
"bban": {
"type": "object",
"properties": {
"bank_code": {
"type": "string"
},
"branch_code": {
"type": "string"
},
"account_number": {
"type": "string"
}
}
},
"iban": {
"type": "string",
"description": "Normalized IBAN (uppercase, no spaces)."
},
"sepa": {
"type": "object",
"properties": {
"member": {
"type": "boolean"
},
"schemes": {
"type": "array",
"items": {
"enum": [
"SCT",
"SDD",
"SCT_INST"
],
"type": "string"
}
},
"vop_required": {
"type": "boolean",
"description": "Verification of Payee (EU 2024/886) obligation for this country."
}
}
},
"valid": {
"type": "boolean"
},
"issuer": {
"type": "object",
"properties": {
"name": {
"type": "string"
},
"type": {
"enum": [
"bank",
"digital_bank",
"emi",
"payment_institution"
],
"type": "string"
},
"classification": {
"enum": [
"curated",
"register",
"default"
],
"type": "string",
"description": "curated = identified from the issuer set; register = an official register names the holder of this bank code (see psd_registration for its source and date); default = 'bank' fallback, 97.9% of BIC8."
}
}
},
"country": {
"type": "object",
"properties": {
"code": {
"type": "string",
"description": "ISO 3166-1 alpha-2."
},
"name": {
"type": "string"
}
}
},
"clearing": {
"type": "object",
"properties": {
"iid": {
"type": "string",
"description": "5-digit zero-padded BC-Nummer."
},
"sic": {
"type": "boolean"
},
"name": {
"type": "string"
},
"town": {
"type": "string"
},
"type": {
"enum": [
"bank",
"cantonal_bank",
"postfinance",
"raiffeisen",
"central_bank",
"foreign_participant"
],
"type": "string"
},
"qr_iid": {
"type": "string",
"description": "QR-IID allocation, null when none."
},
"eurosic": {
"type": "boolean"
},
"instant_payments_chf": {
"type": "boolean"
}
},
"description": "Swiss clearing data when country is CH or LI and the IID is in the SIX BankMaster. Null otherwise."
},
"cost_usdc": {
"type": "number"
},
"formatted": {
"type": "string",
"description": "IBAN with 4-char groups, e.g. CH10 0023 0000 0000 1234 5."
},
"next_steps": {
"type": "array",
"items": {
"type": "object",
"required": [
"code",
"do",
"because"
],
"properties": {
"do": {
"type": "string",
"description": "The instruction, in one sentence an agent can relay to a person."
},
"code": {
"type": "string",
"description": "Stable identifier. Today: bank_code_not_allocated (the national register denies the code, do not send), bank_code_retired (allocated but being withdrawn, re-paper against superseded_by), verify_payee_name (we cannot confirm it, treat as unavailable and let a name check decide), bic_is_advisory (the BIC was picked from several candidates), issuer_not_a_known_iban_issuer (the code resolves to a BIC, but its holder is not among the providers known to issue IBANs in that country), test_bic, expect_virtual_iban (curated non-bank issuer, account holder and IBAN holder often differ), screen_compliance, generate_payment_qr (partner handoff to PayQR on a register-confirmed SEPA account: generate and self-check a SPAYD or EPC/GiroCode payment QR)."
},
"action": {
"type": "string",
"description": "The call that performs the step, when one exists: an IBANforge endpoint, or the partner site for a partner handoff."
},
"because": {
"type": "string",
"description": "The field of this response that produced the step, so the advice is auditable."
}
}
},
"description": "Ordered advice derived from THIS result: what blocks a payment first, what merely enriches it after. Branch on `code`, never on the prose. Absent or empty for an IBAN that failed validation, since the error already says what to do."
},
"check_digits": {
"type": "string"
},
"processing_ms": {
"type": "number"
},
"bank_code_check": {
"type": "object",
"required": [
"value",
"status",
"match",
"register",
"authoritative",
"as_of"
],
"properties": {
"as_of": {
"type": "string",
"description": "Year-month the consulted reference set was last refreshed. Where the register publishes an effective date of its own it is that date, not ours: the Bulgarian BAE register is republished on request rather than on a calendar, so dating it with our monthly refresh would overstate how current it is."
},
"match": {
"enum": [
"register",
"prefix",
null
],
"type": [
"string",
"null"
],
"description": "register: exact key in the reference set, deterministic. prefix: the bic8 LIKE fallback, reachable only in the 30 countries whose bank code may open on a letter (a BIC8 always does) — check candidates."
},
"value": {
"type": "string",
"description": "The bank code that was actually checked. Normally identical to bban.bank_code. It differs in Finland, where the monetary institution code is 1 to 4 characters depending on its leading digits while bban.bank_code stays the fixed positional slice: a Nordea IBAN carries bban.bank_code \"123\" and value \"1\". When they differ, this field is the one the verdict is about."
},
"reason": {
"enum": [
"not_allocated",
"absent_from_reference_data",
"no_reference_data_for_country",
"register_names_no_holder",
"national_register_unavailable",
"lookup_failed"
],
"type": "string",
"description": "WHY the verdict is not verified, as one token to branch on. Present on every not_in_register and every unavailable; absent on verified. not_allocated: a national register denies the code — the only value that licenses \"do not send\", and it appears only with authoritative true. absent_from_reference_data: our composite map does not carry it, which says nothing about the country's own register because we did not consult one. no_reference_data_for_country: we hold nothing at all for this country. register_names_no_holder: the national register defines this code space and publishes no holder for it — silence, not a denial. national_register_unavailable: the country HAS a register we normally decide against and it could not be consulted for this call, so the verdict beside it comes from the composite map and carries composite weight. lookup_failed: the reference lookup could not run at all (timeout, unreadable database, missing table). The last two describe US, never your beneficiary: neither is evidence about the account, and neither may be escalated into a refusal."
},
"status": {
"enum": [
"verified",
"not_in_register",
"unavailable"
],
"type": "string",
"description": "verified: resolves to an institution we can name. not_in_register: it does not, in reference data we do hold for this country — actionable as non-existence ONLY when authoritative is true. unavailable: we hold no reference data for this country, so no opinion."
},
"retired": {
"type": "boolean",
"description": "Present and true when an authoritative register marks the code for deletion: the institution is being retired. The code WAS allocated, so this is a verified result, not a denial. See superseded_by."
},
"register": {
"type": [
"string",
"null"
],
"description": "Name of the reference set consulted. For LV and GI it names a published structural rule instead — Latvijas Banka and the Gibraltar Financial Services Commission (Guidance Note 07) both publish that IBAN positions 5-8 ARE the first four characters of the institution's BIC. That is a documented rule rather than our own assembly, but it says how to READ the IBAN, not that the BIC it points at was allocated, so authoritative stays false."
},
"candidates": {
"type": "integer",
"description": "BIC8 the search matched. Present for match=prefix, and for the LV/GI structural rule when the published rule alone leaves more than one BIC8 standing. Greater than 1 means the returned BIC is one of several and may belong to a different institution than the account does."
},
"institution": {
"type": "object",
"required": [
"name",
"street",
"post_code",
"town",
"country"
],
"properties": {
"lei": {
"type": [
"string",
"null"
],
"description": "Legal Entity Identifier, where the register publishes one (the OeNB does, 99% of entries)."
},
"name": {
"type": "string"
},
"town": {
"type": [
"string",
"null"
]
},
"street": {
"type": [
"string",
"null"
],
"description": "One line, house number included, matching the GLEIF shape. Null where the register publishes none (DE, BE)."
},
"country": {
"type": "string"
},
"post_code": {
"type": [
"string",
"null"
]
}
},
"description": "What the national register publishes about the allocated institution. Present only on an authoritative answer — composite-map hits stay bare (naming a BIC holder is the bic block, and its address would imply a register that was not consulted). Depth varies by register: SIX (CH/LI) and the OeNB (AT) publish the full seat address, the Bundesbank (DE) publishes postal code and town only, the Banque nationale de Belgique (BE) and the Bulgarian National Bank (BG) publish names alone; Finland stays without this block, its codes belong to banking groups. Names are served exactly as the register writes them, which for BG means Cyrillic — transliterating would be an alteration its terms forbid. Absent fields are null, never guessed. This is the institution allocated the BANK CODE — not a branch, and not proof of any account."
},
"authoritative": {
"type": "boolean",
"description": "True only where that reference set is the national register: today CH and LI against the SIX BankMaster, DE against the Bundesbank Bankleitzahlendatei, FI against the Finance Finland monetary institution list, AT against the Oesterreichische Nationalbank SEPA-Zahlungsverkehrs-Verzeichnis, BE against the Banque nationale de Belgique bank identification codes, and BG against the Bulgarian National Bank BAE register. This is the flag to branch on: everywhere else an absence is evidence of absence from our data, not of non-existence. Two asymmetries worth knowing: FI allocates prefixes to banking groups rather than to institutions, so a Finnish verified confirms the group and its BIC rather than one specific bank; and a Bulgarian BAE code covers IBAN positions 5-12 (bank code AND branch digits) while the verdict is made on the four-letter bank code alone, because the register does not enumerate every bank branch to one standard. The negative direction carries full weight in all seven."
},
"superseded_by": {
"type": "string",
"description": "The bank code that takes over, when the register names one. Re-paper the beneficiary against it."
}
},
"description": "Separate verdict on the BBAN bank code. `valid` answers ISO 13616 (structure + mod-97) and says nothing about whether the bank code identifies an institution; this field answers that, and states how much weight the answer carries. Present only when the IBAN is valid."
},
"risk_indicators": {
"type": "object",
"properties": {
"test_bic": {
"type": "boolean"
},
"issuer_type": {
"enum": [
"bank",
"digital_bank",
"emi",
"payment_institution",
null
],
"type": [
"string",
"null"
],
"description": "Null when no institution resolved. It no longer defaults to \"bank\" for an institution we did not find."
},
"country_risk": {
"enum": [
"standard",
"elevated",
"high"
],
"type": "string"
},
"vop_coverage": {
"type": "boolean"
},
"sepa_reachable": {
"type": "boolean"
},
"sepa_reachable_scope": {
"enum": [
"country"
],
"type": "string",
"description": "Scope sepa_reachable holds at. Derived from the country, never from the account."
}
},
"description": "AML/CFT pre-screening indicators."
}
}
}
},
"cost_usdc": {
"type": "number",
"description": "Actual USDC charged for this call."
},
"valid_count": {
"type": "number",
"description": "Number of valid IBANs."
}
}
}
}
},
"x402Version": 2
},
{
"error": "Payment required",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0xD13bD0A4120BA301125290e5cc0c7EFD4CB40a55",
"amount": "20000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 60
}
],
"resource": {
"url": "https://api.ibanforge.com/v1/iban/compliance",
"tags": [
"iban",
"bic",
"sepa",
"compliance",
"banking"
],
"iconUrl": "https://ibanforge.com/logo.svg",
"mimeType": "application/json",
"description": "Pre-flight compliance triage on an IBAN before a SEPA / cross-border payment: sanctions screening (OFAC), FATF jurisdiction flag, SEPA Instant reachability, VoP (EU 2024/886) participant. Returns risk_score 0-100. Informational, not a regulated AML/CFT product. Production · server processing <5ms (network excluded — measure your own round trip on GET /ping) · OFAC + FATF + SEPA + VoP · weekly refresh · v1.4.4.",
"serviceName": "IBANforge"
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"iban": "CH1000230000000012345"
},
"type": "http",
"method": "GET",
"schema": {
"type": "object",
"required": [
"iban"
],
"properties": {
"iban": {
"type": "string",
"maxLength": 34,
"minLength": 15,
"description": "IBAN to triage."
}
}
},
"bodyType": "json",
"discoverable": true
},
"output": {
"type": "json",
"example": {
"bic": {
"city": "Zürich",
"code": "UBSWCHZH",
"bank_name": "UBS Switzerland AG"
},
"iban": "CH1000230000000012345",
"meta": {
"scope": "bank_bic_only"
},
"valid": true,
"country": {
"code": "CH",
"name": "Switzerland"
},
"compliance": {
"vop": {
"status": "not_found",
"participant": false
},
"flags": [
"no_vop"
],
"sanctions": {
"fatf_status": "member",
"matched_lists": [],
"bank_sanctioned": false,
"country_sanctioned": false
},
"risk_level": "low",
"risk_score": 5,
"reachability": {
"sct": true,
"sdd": true,
"sepa_instant": true
}
},
"_example_notice": "ILLUSTRATIVE SAMPLE — these are demo values for a fixed record, NOT the data for the resource you requested. Do not report them to a user. Authenticate (Authorization: Bearer ifk_...) or pay via x402 to get the real response."
}
}
},
"schema": {
"properties": {
"input": {
"required": [
"method"
],
"properties": {
"method": {
"enum": [
"GET"
],
"type": "string"
}
}
}
}
},
"bodyType": "json",
"inputSchema": {
"type": "object",
"required": [
"iban"
],
"properties": {
"iban": {
"type": "string",
"maxLength": 34,
"minLength": 15,
"description": "IBAN to validate. Spaces and lowercase accepted. Example: CH1000230000000012345"
}
}
},
"discoverable": true,
"outputSchema": {
"type": "object",
"properties": {
"bic": {
"type": "object",
"properties": {
"city": {
"type": "string"
},
"code": {
"type": "string"
},
"bank_name": {
"type": "string"
}
}
},
"iban": {
"type": "string"
},
"meta": {
"type": "object",
"properties": {
"scope": {
"type": "string"
},
"sources": {
"type": "string"
},
"disclaimer": {
"type": "string"
},
"fatf_as_of": {
"type": "string"
},
"sanctions_as_of": {
"type": "string"
},
"country_risk_as_of": {
"type": "string",
"description": "Year-month the editorial country-risk axis was last reviewed. risk_indicators.country_risk is a SEPARATE axis layered on top of fatf_status, not a restatement of it: the two can disagree on a country by design."
},
"country_risk_scope": {
"type": "string"
}
}
},
"valid": {
"type": "boolean"
},
"country": {
"type": "object",
"properties": {
"code": {
"type": "string"
},
"name": {
"type": "string"
}
}
},
"compliance": {
"type": "object",
"properties": {
"vop": {
"type": "object",
"properties": {
"status": {
"enum": [
"active",
"pending",
"inactive",
"not_found"
],
"type": "string"
},
"participant": {
"type": "boolean"
}
}
},
"flags": {
"type": "array",
"items": {
"type": "string"
},
"description": "Risk flags, e.g. sanctioned_country, sanctioned_bank, fatf_grey_list, emi_issuer, test_bic, no_sepa_instant, no_vop."
},
"sanctions": {
"type": "object",
"properties": {
"fatf_status": {
"enum": [
"member",
"grey_list",
"black_list",
"non_member"
],
"type": "string"
},
"matched_lists": {
"type": "array",
"items": {
"type": "string"
}
},
"bank_sanctioned": {
"type": "boolean"
},
"country_sanctioned": {
"type": "boolean"
}
}
},
"risk_level": {
"enum": [
"low",
"medium",
"elevated",
"high",
"critical",
"unassessable"
],
"type": "string",
"description": "unassessable = the IBAN failed validation, no screening was possible. Never treat it as low."
},
"risk_score": {
"type": [
"number",
"null"
],
"maximum": 100,
"minimum": 0,
"description": "null when the IBAN did not validate: there was nothing to score."
},
"reachability": {
"type": "object",
"properties": {
"sct": {
"type": "boolean"
},
"sdd": {
"type": "boolean"
},
"sepa_instant": {
"type": "boolean"
}
}
}
}
}
}
}
}
},
"x402Version": 2
}
] OVER TIME
All charts use the 24h selector; each series spans only the dates it has data for. Every series is also served as JSON at /api/v1/services/ibanforge/price, /scores, /volume and /buyers. On-chain volume and distinct buyers are measured over the service's settlement address and are a conservative undercount (only settlements that reach a measured facilitator are counted). The on-chain series roll up hourly, so the latest day can be up to about an hour behind; distinct buyers are counted per payout address, so a service that settles to more than one address is an upper bound.
UPTIME
24h UPTIME 100%
RESPONSE TIME
AVG RESP 328ms
PRICE (captured 402, USD)
Median across 3 endpoints. Use the selector to isolate one.
SUB-SCORES (uptime + x402 compliance)
checklist grew 11->14 on 2026-07-28; a step here is a metric change, not a regression
PILLARS OVER TIME (measured)
price percentile in Verification
site signals present (of 6)
Measured site and economics pillars from the assessment history, so the latest value shown elsewhere on this page reads as a point on a trend rather than a permanent state.
VOLUME (on-chain settlement, USD)
DISTINCT BUYERS
COMPLIANCE
14/14 checks pass · grade Alast 402 captured 2026-08-31 · last up 2026-09-01
- 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
SITE PILLARS
- homepage reachable
- openapi doc
- pricing page
- llms.txt
- robots.txt
- terms page
recent checks (18) live · click to expand
TIME STATUS RESP CAUSE
● SLOW 750ms
● SLOW 588ms
● SLOW 593ms
● OK 354ms
● SLOW 645ms
● OK 273ms
● OK 468ms
● OK 373ms
● OK 107ms
● OK 455ms
● OK 122ms
● OK 439ms
● OK 389ms
● OK 372ms
● OK 368ms
● OK 464ms
● OK 342ms
● OK 103ms
EMBED THIS BADGE
// HTML
<a href="https://x402-list.com/services/ibanforge?utm_source=badge&utm_medium=referral&utm_campaign=embed"> <img src="https://x402-list.com/badge/ibanforge.svg" alt="IBANforge listed on x402-list" height="28"> </a>
// Markdown
[](https://x402-list.com/services/ibanforge?utm_source=badge&utm_medium=referral&utm_campaign=embed)
// HTML · live uptime variant
<a href="https://x402-list.com/services/ibanforge?utm_source=badge&utm_medium=referral&utm_campaign=embed"> <img src="https://x402-list.com/badge/ibanforge.svg?data=uptime" alt="IBANforge uptime on x402-list" height="28"> </a>