What does IBANforge validate?

IBANforge validates IBAN structure (ISO 13616 mod-97 check digits + country-specific BBAN), resolves the associated BIC/SWIFT against 121,000+ BIC entries from public sources (GLEIF, SWIFT directory, Bundesbank, SIX, NBP, EBA Step2 SCT) with LEI enrichment for ~38K rows sourced from GLEIF, looks up Swiss BC-Nummer / IID against ~1,200 SIX BankMaster entries, classifies the issuer (bank, EMI, vIBAN provider, neobank), and flags SEPA Instant + VoP (Verification of Payee, EU 2024/886) reachability.

How much does IBANforge cost?

Pay-per-call in USDC via x402: 0.005 USDC for IBAN validation, 0.003 USDC for BIC lookup, 0.003 USDC for Swiss BC-Nummer lookup, 0.002 USDC per IBAN in batch mode, 0.02 USDC for full compliance check. Or use an API key for 200 free requests per month.

Does IBANforge support MCP (Model Context Protocol)?

Yes. IBANforge ships an official MCP server (com.ibanforge/mcp) with 5 tools: validate_iban, batch_validate_iban, lookup_bic, lookup_ch_clearing, check_compliance. Install in Claude Desktop, Cursor, Cline or any MCP-compatible client via npx or streamable-HTTP at https://api.ibanforge.com/mcp.

Does IBANforge support x402 for autonomous AI agents?

Yes. Every paid endpoint accepts x402 micropayments in USDC on Base L2. Agents discover pricing via /.well-known/x402, pay autonomously and call the API without human onboarding. Listed on Coinbase Bazaar discovery.

How many countries does IBANforge cover?

All 84 countries with a standardized IBAN format, including the full SEPA zone, the UK, Switzerland, and most of MENA and Latin America with IBAN coverage.

What is vIBAN detection and why does it matter?

A virtual IBAN (vIBAN) is an IBAN issued by an EMI or fintech (e.g., Wise, Revolut, Mercury, Modulr) that maps to an underlying account at a partner bank. Detecting vIBANs matters for compliance: VoP often fails on vIBANs and EMI exposure changes the risk profile. IBANforge classifies 30+ known issuer prefixes.

Where does the BIC and Swiss clearing data come from?

BIC/SWIFT data: 121,000+ entries from public sources — GLEIF (Global Legal Entity Identifier Foundation, ~38K rows with LEI enrichment), the SWIFT directory, the Deutsche Bundesbank, SIX, the NBP, and EBA Clearing STEP2 SCT. Swiss data: ~1,200 BC-Nummern from the official SIX BankMaster CSV — the canonical source used by the Swiss banking industry.

Does IBANforge replace a regulated AML/sanctions screening provider?

No. The /v1/iban/compliance endpoint runs OFAC/EU/UN list checks and produces a risk score (0-100) — useful for triage and pre-flight screening. For regulated AML/CFT obligations use a regulated vendor like Refinitiv World-Check, Acuris or ComplyAdvantage.

How fast is IBANforge?

p99 latency under 50ms for /v1/iban/validate (single IBAN). All databases are SQLite WAL with in-process reads — no external lookups. Batch endpoint scales linearly to 100 IBANs per request.

Is IBANforge open-source?

The MCP server (ibanforge-mcp), the SDK (@ibanforge/sdk) and the OpenAPI spec are open-source on GitHub at github.com/cammac-creator/ibanforge. The hosted API and proprietary issuer classification dataset are commercial.

Live API · no key required

Playground

Name: IBANforge
Price: 0.005 USDC

Test the API for free — no payment, no signup. Every answer below is a real, live response.

Validate any IBAN — SEPA reach, issuer type, risk and Swiss clearing.

Examples

✓ Valid🇨🇭CHUBS Switzerland AGUBSWCHZH0.00msserver

low · cleanSCTSDDIID 00230SIC

Account

IBAN: CH10 0023 0000 0000 1234 5
Bank code: 00230
Account: 000000012345
Check: 10

SEPA reachability

Member
Schemes: SCT · SDD
VoP required

Issuer

Type: bank
Name: UBS Switzerland AG
BIC: UBSWCHZH
City: Zürich

Swiss clearing

IID: 00230
Institution: UBS Switzerland AG
Town: Zürich
SIC
Instant CHF
euroSIC

Risk indicators

Issuer type: bank
Country risk: standard
Test BIC
SEPA reachable

{
  "iban": "CH1000230000000012345",
  "valid": true,
  "country": {
    "code": "CH",
    "name": "Switzerland"
  },
  "check_digits": "10",
  "bban": {
    "bank_code": "00230",
    "account_number": "000000012345"
  },
  "sepa": {
    "member": true,
    "schemes": [
      "SCT",
      "SDD"
    ],
    "vop_required": false
  },
  "formatted": "CH10 0023 0000 0000 1234 5",
  "cost_usdc": 0,
  "bic": {
    "code": "UBSWCHZH",
    "bank_name": "UBS Switzerland AG",
    "city": "Zürich"
  },
  "issuer": {
    "type": "bank",
    "name": "UBS Switzerland AG"
  },
  "risk_indicators": {
    "issuer_type": "bank",
    "country_risk": "standard",
    "test_bic": false,
    "sepa_reachable": true,
    "vop_coverage": false
  },
  "clearing": {
    "iid": "00230",
    "name": "UBS Switzerland AG",
    "type": "bank",
    "town": "Zürich",
    "sic": true,
    "instant_payments_chf": true,
    "eurosic": true,
    "qr_iid": null
  },
  "processing_ms": 0.41
}

Want to use this in your code? See the docs →