{"uid":"cap_uMtCdLcDPJ-vLOaLHaaZw","slug":"iban-bank-account-verification-kyc-risk-scoring-c99cbc19","name":"IBAN Bank Account Verification & 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://api.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_L6h5cnhxbNp_4JQ2dEtAo","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 BIC/bank/branch info, returns SEPA flag, and produces a 0–100 fraud/KYC risk score with reasons.","exampleAgentPrompt":"Can you verify whether IBAN DE89370400440532013000 is valid, check that it's a German account as expected, and give me the bank name, BIC, SEPA status, and fraud risk score?","exampleUseCases":null,"resultDescription":"Returns ISO 13616 checksum result, per-country structure validity, resolved BIC, bank name, branch info, country details, SEPA-zone flag, and a deterministic 0–100 risk score with a risk band, list of reasons, and weighted signals. Does not confirm account existence, ownership, or perform name matching. Input is not stored.","failureModes":["Invalid or malformed IBAN format returns a validation error","Unknown or unsupported country prefix may limit bank resolution","Country mismatch (when expected_country is provided) raises the risk score but is not an error","Missing required 'iban' query parameter returns a 400-class error","Ambiguous or legacy IBAN formats may reduce resolution confidence"],"whenToPreferThis":"Use this endpoint when you need a single, lightweight, offline-capable call to structurally validate an IBAN, resolve the associated bank/BIC, check SEPA eligibility, and get a deterministic fraud/KYC risk score — especially in payment onboarding, supplier verification, or compliance workflows where you need a fast signal without storing PII. Prefer this over full KYC providers when account existence or name-matching is not required.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T01:08:42.984Z","isFirstParty":false}