{"uid":"cap_x_qJXYO0NLIA0tn7kPGni","slug":"402utils-aba-routing-number-validator-9e96da6b","name":"402utils ABA Routing Number Validator","description":"Validate a US ABA routing number before initiating a transfer: the 3-7-1 checksum, the public structure rules (9 digits; assigned prefixes 00-12 primary, 21-32 thrift, 61-72 electronic, 80 traveler's cheque) and the implied Federal Reserve district. Checksum and structure only — no bank-name directory (the Fed's is redistribution-restricted) and no proof of assignment. ?attest=1 → Ed25519-signed.","url":"https://402utils.com/v1/routing-check?utm_source=zero.xyz","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"],"type":"string"},"queryParams":{"type":"object","required":["routing"],"properties":{"attest":{"type":"string","description":"Set to 1 for an Ed25519-signed attestation of the result (audit trail)."},"routing":{"type":"string","description":"The 9-digit ABA routing number, e.g. 021000021."}},"description":"Query param `routing` (spaces and hyphens tolerated)."}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","required":["valid","checksumValid","structureValid"],"properties":{"valid":{"type":"boolean","description":"structureValid AND checksumValid."},"message":{"type":"string","description":"Present when something is structurally wrong."},"category":{"enum":["government","primary","thrift","electronic","travelers_cheque"],"type":"string"},"attestation":{"type":"object","properties":{"alg":{"type":"string","const":"Ed25519"},"sig":{"type":"string","description":"base64url Ed25519 signature over the canonical JSON of payload."},"payload":{"type":"object","properties":{"ts":{"type":"string","format":"date-time"},"kid":{"type":"string","description":"Key id — matches a key in the .well-known document."},"endpoint":{"type":"string"},"resultSha256":{"type":"string","description":"SHA-256 of the canonical JSON of the result (attestation excluded)."}}}},"description":"Present only with ?attest=1. Ed25519 signature over the canonical result; verify against /.well-known/402utils-attestation.json."},"checksumValid":{"type":"boolean","description":"ABA 3-7-1 weighted checksum result."},"structureValid":{"type":"boolean","description":"9 digits and an assigned prefix range."},"federalReserveBank":{"type":"string","description":"District city, e.g. \"New York\"."},"federalReserveDistrict":{"type":"integer","description":"1-12 when the prefix maps to a Federal Reserve district."}}}}}}},"responseSchema":{"type":"json","example":{"valid":true,"category":"primary","checksumValid":true,"structureValid":true,"federalReserveBank":"New York","federalReserveDistrict":2}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.001","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":{"p10Cents":"0.1000","medianCents":"0.1000","p90Cents":"0.1000","minCents":"0.1000","maxCents":"0.1000","p95Cents":"0.1000","sampleCount":1,"varies":false,"failureChargeRate":1},"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.001/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.001","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.001","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_foZH2cFJr3CIJVlc3zejk","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.001","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Validates a 9-digit US ABA routing number using the 3-7-1 checksum and structural rules, returning validity, Federal Reserve district, and optional Ed25519-signed attestation","exampleAgentPrompt":"Can you check whether routing number 021000021 is a valid ABA routing number — specifically verify the 3-7-1 checksum and structure, and also give me a signed attestation so I have an audit trail?","exampleUseCases":null,"resultDescription":"Returns a JSON object with: valid (boolean, AND of checksum + structure), checksumValid (3-7-1 weighted checksum result), structureValid (9 digits and assigned prefix), federalReserveBank (district city), category (primary/thrift/electronic/travelers_cheque/government), optional message on structural failures, and optionally an Ed25519 attestation object containing algorithm, base64url signature, payload with timestamp, key ID, endpoint, and SHA-256 hash of the result for audit verification.","failureModes":["Invalid or non-9-digit input returns structureValid=false with an explanatory message field","Unassigned prefix range returns structureValid=false","Checksum failure returns checksumValid=false with valid=false","Missing required routing query parameter returns an error response","Network timeout or service unavailability returns HTTP 5xx","Payment failure (x402) blocks access if USDC not provided","Malformed routing string with letters or special chars returns structure error"],"whenToPreferThis":"Use this endpoint when you need to pre-validate an ABA routing number before initiating a US bank transfer (ACH, wire, payroll) and want checksum + structural assurance without hitting a live bank directory. Prefer this over a full bank-name lookup when you only need validity confirmation and optionally a cryptographically signed audit record. Ideal for automated payment pipelines, compliance checks, or any workflow where a tamper-evident Ed25519 attestation of routing number validity is required.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-12T12:37:52.904Z","isFirstParty":false,"canonicalSlug":"402utils-aba-routing-number-validator-9e96da6b"}