BAP-1 ISO 20022 Banking Message Validator

Machine-to-Machine Conformance API · iso20022-validate

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Deterministic validation for institutional ISO 20022 XML/JSON payment messages (pain.001 credit transfer, pacs.008 customer credit, camt.053 bank statement) with XML DOCTYPE security guards, BigInt CtrlSum decimal sums, and ISO 13616 / 9362 / 17442 checksums (BAP-1).

Honest Scope Guarantee

Deterministic ISO 20022 banking XML/JSON validation (pain.001, pacs.008, camt.053) with XXE guards, BigInt CtrlSum verification, and MOD-97 checks (BAP-1). Zero custody, no fiat leg.

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Quickstart & Execution

cURL (20 Free Calls/Day • Zero Authentication Required)

curl -X POST https://api.code402.dev/v1/tools/iso20022-validate/call \
  -H "content-type: application/json" \
  -d '{"raw_payload":"<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pain.001.001.09\"><CstmrCdtTrfInitn><GrpHdr><MsgId>MSG-2026-001</MsgId><NbOfTxs>1</NbOfTxs><CtrlSum>100.00</CtrlSum></GrpHdr><PmtInf><CdtTrfTxInf><Amt><InstdAmt Ccy=\"USD\">100.00</InstdAmt></Amt><CdtrAgt><FinInstnId><BICFI>DEUTDEDDFXX</BICFI></FinInstnId></CdtrAgt><CdtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></CdtrAcct></CdtTrfTxInf></PmtInf></CstmrCdtTrfInitn></Document>"}'

No API key needed for the free daily tier. When daily quota exhausts, the endpoint replies with HTTP 402 Payment Required specifying the exact USDC amount. Machines sign an EIP-3009 transfer on Base L2; human engineers buy card credits. Every paid execution returns a cryptographically signed XDR-1 receipt for zero-knowledge audit trails.

Input Parameters

Field	Type	Meaning & Constraints
`raw_payload` (REQUIRED)	`string`	Raw ISO 20022 XML or JSON message text
`format`	`string`	'xml' or 'json' (default auto-detected)
`namespace`	`string`	Expected ISO 20022 schema namespace (e.g. 'pain.001.001.09')
`transactions`	`array`	Structured transactions array for JSON validation

Response Format

Deterministic JSON payload fields: ok, standard, valid, namespace, message_id, tx_count, ctrl_sum_minor, findings, receipt_digest. Paid responses also carry an offline-verifiable receipt object (XDR-1, secp256k1 signature recoverable to the authorized signer).

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