{"uid":"cap_daLtTJcHSQKlfCakltjRj","slug":"payai-bank-verify-iban-validation-kyc-risk-scoring-dd9e03a7","name":"PayAI Bank Verify – IBAN Validation & KYC Risk Scoring","description":"Bank account / IBAN verification in one call: ISO 13616 checksum + per-country structure validation, BIC / bank name / branch resolution, country details, SEPA-zone flag, and a deterministic 0-100 fraud/KYC risk score with a band, reasons and weighted signals. Offline open-registry data (schwifty, MIT). Structural + resolution + risk indicators only; NOT proof the account exists or who owns it, and no name matching. Input not stored.","url":"https://payai.agentstools.dev/bank/verify","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","required":["iban"],"properties":{"iban":{"type":"string","description":"IBAN to verify (spaces optional, any case), e.g. DE89370400440532013000."},"country":{"type":"string","description":"Alias of expected_country (ISO-3166 alpha-2)."},"expected_country":{"type":"string","description":"Optional ISO-3166 alpha-2 country the account is expected in (e.g. DE); a mismatch raises the risk score."}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object"}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.008","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.008/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.008","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.008","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_bCpLyxk56VGqn12QlIbFB","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.008","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Validates an IBAN via ISO 13616 checksum and country-specific structure, resolves the associated BIC/bank/branch, and returns a deterministic 0–100 fraud/KYC risk score with band and reasons.","exampleAgentPrompt":"Can you validate the IBAN DE89370400440532013000 — check whether it's structurally valid, which bank and BIC it resolves to, whether it's in the SEPA zone, and give me its KYC risk score? I'm expecting it to be a German account.","exampleUseCases":[{"title":"Pre-payment supplier IBAN check","prompt":"Before we wire funds to this new supplier, can you validate their IBAN GB29NWBK60161331926819, confirm the bank name and BIC, and tell me if there's any fraud risk I should be aware of? We're expecting a UK account."},{"title":"SEPA eligibility check for checkout","prompt":"We're adding SEPA Direct Debit to our checkout — can you verify whether IBAN FR7630006000011234567890189 is in the SEPA zone, structurally valid, and what risk band it falls into?"},{"title":"KYC onboarding bank account screening","prompt":"We're onboarding a new customer who provided the IBAN NL91ABNA0417164300 — can you validate it, resolve the bank details, and give me the full KYC risk score with reasons so our compliance team can review it?"}],"resultDescription":"A structured JSON response containing: ISO 13616 checksum pass/fail, per-country structure validation result, resolved BIC, bank name, and branch details, country information, SEPA-zone membership flag, and a deterministic 0–100 fraud/KYC risk score with a named band (e.g. low/medium/high), list of reasons, and weighted contributing signals. No account existence proof, no owner identity, and no name matching is performed. Input is not stored.","failureModes":["Invalid or malformed IBAN format returns a validation error with specific structural failure reason","Unknown country prefix returns a structure validation failure","BIC/bank name cannot be resolved if the institution is not present in the open registry (schwifty)","Country mismatch between IBAN and expected_country raises risk score but does not block the response","Completely missing IBAN parameter returns a 400-level error","Very new or obscure national IBANs may lack full registry coverage"],"whenToPreferThis":"Choose this endpoint when you need a fast, offline, deterministic IBAN validation with combined structural checking, bank resolution, and a KYC/fraud risk score in a single call — especially useful for pre-payment due diligence, SEPA eligibility checks, or compliance screening workflows. Prefer this over manual checksum libraries when you also need BIC resolution and risk scoring without storing data or hitting a live bank API.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T06:56:12.695Z","isFirstParty":false}