# code402 SWIFT/BIC Check

> code402 SWIFT/BIC Check is a paid API for AI agents from hcrb.in, paid per call via x402, $0.005/call, status unknown (last checked 2026-10-11).

Validates SWIFT/BIC codes using offline deterministic format and structure checks, returning validity, reason, normalized form, and country, paid per call via x402 USDC micropayment.

## Facts

- Endpoint: POST https://hcrb.in/v1/tools/swift-bic-check/call?utm_source=zero.xyz
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-11
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/code402-swift-bic-check-fb3d190f
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_D32l_aMvtb7J1VKFNS91I

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability code402-swift-bic-check-fb3d190f -d '<json body>'
```

Example prompt: Can you check whether the SWIFT/BIC code DEUTDEDB is valid, and tell me what country it belongs to and its normalized form?

## When to prefer this

Choose this endpoint when you need fast, offline, deterministic SWIFT/BIC validation without relying on ML, live registry lookups, or web scraping. Ideal for compliance pipelines, KYC onboarding, payment pre-flight checks, and data quality workflows where you need a verifiable, signed receipt of validation and a clear scope field distinguishing checksum-verifiable from format-only results. Prefer this over live registry APIs when latency, privacy, or cost at scale are concerns.

## Known failure modes

- Malformed or empty input returns valid=false with a descriptive reason
- Codes that are format-valid but not in any registry still pass format checks (scope field clarifies this)
- No network lookups performed — live bank registry status is not confirmed
- x402 payment failure if USDC balance insufficient or wallet not configured
- Rate limiting after 3 free calls per day without payment

## 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

A JSON object with: `valid` (boolean indicating whether the SWIFT/BIC passes structural/format checks), `reason` (human-readable explanation of the result), `normalized` (canonical form of the code), `country` (ISO country code derived from the BIC), `scope` (indicating whether this was a checksum-verifiable or format-only check), and `tool` (identifier for this check type).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "bic"
   ],
   "properties": {
    "bic": {
     "type": "string",
     "description": "SWIFT/BIC code, 8 or 11 characters; spaces/dashes allowed."
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "schema": {
  "type": "object",
  "required": [
   "valid",
   "reason"
  ],
  "properties": {
   "tool": {
    "type": "string"
   },
   "scope": {
    "type": "string"
   },
   "valid": {
    "type": "boolean"
   },
   "reason": {
    "type": "string"
   },
   "country": {
    "type": "string"
   },
   "normalized": {
    "type": "string"
   }
  }
 },
 "example": {
  "valid": true,
  "reason": "checksum valid"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/code402-swift-bic-check-fb3d190f/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from hcrb.in](https://www.zero.xyz/host/hcrb.in/llms.txt)