# PayAI Bank Verify – IBAN Validation & KYC Risk Scoring

> PayAI Bank Verify – IBAN Validation & KYC Risk Scoring is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.008/call, status unknown (last checked 2026-09-15).

Validates an IBAN via ISO 13616 checksum and country-specific structure, resolves the associated BIC/bank/branch, and returns a deterministic 0–100 fraud/KYC risk score with band and reasons.

## Facts

- Endpoint: GET https://payai.agentstools.dev/bank/verify
- Price: $0.008/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/payai-bank-verify-iban-validation-kyc-risk-scoring-dd9e03a7
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_daLtTJcHSQKlfCakltjRj

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 payai-bank-verify-iban-validation-kyc-risk-scoring-dd9e03a7
```

Example prompt: Can you validate the IBAN DE89370400440532013000 — check whether it's structurally valid, which bank and BIC it resolves to, whether it's in the SEPA zone, and give me its KYC risk score? I'm expecting it to be a German account.

## When to prefer this

Choose this endpoint when you need a fast, offline, deterministic IBAN validation with combined structural checking, bank resolution, and a KYC/fraud risk score in a single call — especially useful for pre-payment due diligence, SEPA eligibility checks, or compliance screening workflows. Prefer this over manual checksum libraries when you also need BIC resolution and risk scoring without storing data or hitting a live bank API.

## Known failure modes

- Invalid or malformed IBAN format returns a validation error with specific structural failure reason
- Unknown country prefix returns a structure validation failure
- BIC/bank name cannot be resolved if the institution is not present in the open registry (schwifty)
- Country mismatch between IBAN and expected_country raises risk score but does not block the response
- Completely missing IBAN parameter returns a 400-level error
- Very new or obscure national IBANs may lack full registry coverage

## How this service works

Bank account / IBAN verification in one call: ISO 13616 checksum + per-country structure validation, BIC / bank name / branch resolution, country details, SEPA-zone flag, and a deterministic 0-100 fraud/KYC risk score with a band, reasons and weighted signals. Offline open-registry data (schwifty, MIT). Structural + resolution + risk indicators only; NOT proof the account exists or who owns it, and no name matching. Input not stored.

## Output

A structured JSON response containing: ISO 13616 checksum pass/fail, per-country structure validation result, resolved BIC, bank name, and branch details, country information, SEPA-zone membership flag, and a deterministic 0–100 fraud/KYC risk score with a named band (e.g. low/medium/high), list of reasons, and weighted contributing signals. No account existence proof, no owner identity, and no name matching is performed. Input is not stored.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "iban"
     ],
     "properties": {
      "iban": {
       "type": "string",
       "description": "IBAN to verify (spaces optional, any case), e.g. DE89370400440532013000."
      },
      "country": {
       "type": "string",
       "description": "Alias of expected_country (ISO-3166 alpha-2)."
      },
      "expected_country": {
       "type": "string",
       "description": "Optional ISO-3166 alpha-2 country the account is expected in (e.g. DE); a mismatch raises the risk score."
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/payai-bank-verify-iban-validation-kyc-risk-scoring-dd9e03a7/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from payai.agentstools.dev](https://www.zero.xyz/host/payai.agentstools.dev/llms.txt)