# IBAN / ABA Routing / SWIFT BIC / Card Luhn Validator

> IBAN / ABA Routing / SWIFT BIC / Card Luhn Validator is a paid API for AI agents from api.24klabs.ai, paid per call via x402, $0.002/call, status unknown (last checked 2026-09-13).

Validates and decodes financial identifiers: IBAN checksum and country/BBAN, US ABA routing numbers, SWIFT/BIC format, and credit/debit card numbers via Luhn check with network detection.

## Facts

- Endpoint: POST https://api.24klabs.ai/api/iban-routing-validate
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/iban-aba-routing-swift-bic-card-luhn-validator-d38cfac3
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_SbTThVDtsNPRm7hDsR5PR

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 iban-aba-routing-swift-bic-card-luhn-validator-d38cfac3 -d '<json body>'
```

Example prompt: Can you validate this IBAN for me — DE89370400440532013000 — and tell me the country and BBAN it decodes to?

## When to prefer this

Choose this endpoint when you need to validate financial identifiers (IBAN, ABA routing numbers, SWIFT/BIC codes, or card numbers) before processing payments, onboarding users, or storing financial data. It auto-detects the identifier type so you don't need to pre-classify. Prefer it over manual regex checks or separate per-type validators when you want a single unified endpoint for all major financial identifier formats.

## Known failure modes

- Invalid or malformed identifier returns validation failure with reason
- Unrecognizable identifier type when auto-detect cannot determine kind
- Checksum mismatch for IBAN returns invalid with checksum error detail
- Card number fails Luhn check returns false with no network
- Missing required input field returns 400 bad request

## How this service works

Validate an IBAN checksum and decode its country and BBAN, validate a US ABA routing number, check SWIFT/BIC format, or Luhn-check a card and detect its network. Auto-detects the kind if not given.

## Output

Returns whether the identifier is valid, the detected or confirmed identifier type, and decoded components: for IBAN — country code, BBAN, and checksum validity; for ABA — routing number validity and bank info; for SWIFT/BIC — format validity; for card — Luhn pass/fail and detected card network (Visa, Mastercard, Amex, etc.).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "value": {
   "type": "string"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "kind": "iban",
  "valid": true
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/iban-aba-routing-swift-bic-card-luhn-validator-d38cfac3/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.24klabs.ai](https://www.zero.xyz/host/api.24klabs.ai/llms.txt)