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code402 ISO 20022 Message Validator
x402
code402 ISO 20022 Message Validator is a paid API for AI agents from hcrb.in, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-12).
Validates ISO 20022 XML payment messages offline using deterministic checksums, returning namespace, transaction count, and control sum details
Price / call$0.01
Success—
StatusUnknown
How this service works
Offline deterministic checks (no ML, no scraping) for business identifiers and rental due-diligence, paid per call via x402 (gasless EIP-3009 USDC on Base). Checksum-verifiable (IBAN, LEI, VAT, ABA, ISBN, SEDOL…) vs format-only (EIN, IFSC, SWIFT/BIC…) — every response returns a scope field. Non-custodial, signed receipts. First 3 calls/day free.
Output
Returns a JSON object with: ok (boolean, overall call success), valid (boolean, whether the message passes ISO 20022 validation), standard (e.g. 'BAP-1'), namespace (e.g. 'pain.001.001.09'), tx_count (number of transactions), ctrl_sum_minor (control sum in minor currency units), message_id, findings (array of validation issues), and receipt_digest (signed payment receipt for the $0.01 USDC call).
Example use cases
Pre-submission SEPA payment check
“Before I send this SEPA credit transfer XML to the bank, can you run it through the ISO 20022 validator and confirm the pain.001 structure is valid and the control sum matches the transactions?”
MT to MX migration QA
“We just migrated a batch of MT103 messages to ISO 20022 MX format — can you validate this converted XML file and tell me the namespace, transaction count, and any findings so I can catch migration errors?”
Fintech integration smoke test
“I'm building a payment initiation integration and need to confirm my generated XML is ISO 20022 compliant — validate this pain.001.001.09 message and show me the message ID, control sum, and whether it passes.”
Technical details
Endpoint
POSThttps://hcrb.in/v1/tools/iso20022-validate/call?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need fast, deterministic, offline ISO 20022 message validation with no dependency on external ML or third-party data sources. It is ideal for pre-submission checks of SEPA or cross-border payment XML, MT-to-MX migration QA, and fintech integration testing. Prefer it over general XML schema validators because it understands ISO 20022 namespaces, BAP-1 standards, and control sum arithmetic natively. The pay-per-call x402 model makes it suitable for low-volume or on-demand validation without subscription overhead.
Side effects
- Malformed or non-XML input returns ok:true but valid:false with findings describing the parse error
- Unsupported ISO 20022 namespace may return valid:false with an unrecognized-namespace finding
- Payment failure (insufficient USDC balance or x402 protocol error) returns HTTP 402 before validation runs
- After the 3 free daily calls, calls without valid x402 payment will be rejected
- Empty or missing message body results in a validation error in findings
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| input | object |
Output
Schema · Response
{
"type": "json",
"schema": {
"type": "object",
"required": [
"ok",
"standard",
"valid"
],
"properties": {
"ok": {
"type": "boolean"
},
"valid": {
"type": "boolean"
},
"findings": {
"type": "array"
},
"standard": {
"type": "string"
},
"tx_count": {
"type": "number"
},
"namespace": {
"type": "string"
},
"message_id": {
"type": "string"
},
"ctrl_sum_minor": {
"type": "string"
},
"receipt_digest": {
"type": "string"
}
}
},
"example": {
"ok": true,
"valid": true,
"standard": "BAP-1",
"tx_count": 1,
"namespace": "pain.001.001.09",
"ctrl_sum_minor": "10000"
}
}Tags
x402
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