# Xynaptic AI Bank

> Xynaptic AI Bank is a paid API for AI agents from api.xynaptic.io, paid per call via x402, $0.08/call, status unknown (last checked 2026-10-03).

Validates IBAN structure, BIC/BIC lookup, BIN card identification, and sanctions screening for a given banking question, then delivers an LLM-synthesized answer

## Facts

- Endpoint: GET https://api.xynaptic.io/v1/ai-bank?utm_source=zero.xyz
- Price: $0.08/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-03
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/xynaptic-ai-bank-ed8f95e7
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_j6ULGpuJYr9TRnlEub87u

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 xynaptic-ai-bank-ed8f95e7
```

Example prompt: Can you validate the IBAN DE89370400440532013000, look up the BIC DEUTDEDB, and screen the counterparty 'Stark Industries GmbH' for sanctions — then give me a plain-English summary of what you find?

## When to prefer this

Choose this endpoint when you need to combine multiple banking validation operations (IBAN, BIC, BIN, sanctions) in a single call and receive a synthesized, human-readable answer. It is ideal for compliance workflows, payment verification, onboarding due diligence, or any scenario where a user needs a composite banking intelligence response rather than raw data from a single lookup tool.

## Known failure modes

- Invalid or malformed IBAN returns a structure validation error
- Unknown BIC code returns a not-found response from the BIC registry
- BIN not found in card identification database
- Sanctions API timeout or unavailability
- Missing required 'question' field returns a 400-level error
- Ambiguous counterparty name may yield uncertain sanctions screening results

## How this service works

Xynaptic AI Bank — the banking/card vertical agent: bring a question + IBAN/BIC/BIN/name, we run the official validation tools (IBAN structure check, BIC lookup, BIN card identification, sanctions screening) and deliver an LLM synthesis. POST { question, iban?, bic?, bin?, counterparty_name? }. Composite, honest.

## Output

A structured response containing the results of each applicable validation tool (IBAN structure check, BIC lookup, BIN card identification, sanctions screening) plus an LLM-synthesized plain-English summary answering the original question based on the combined findings.

## 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",
     "additionalProperties": {
      "type": "string"
     }
    }
   },
   "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/xynaptic-ai-bank-ed8f95e7/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.xynaptic.io](https://www.zero.xyz/host/api.xynaptic.io/llms.txt)