IBANforge

The compliance API for AI agents. IBAN validation, BIC/SWIFT lookup, Swiss clearing (BC-Nummer / QR-IID / SIX BankMaster), EMI/vIBAN classification, SEPA Instant + VoP reachability, and risk scoring — exposed natively over MCP and x402 micropayments, with no API key signup required.

121k+ BIC entries (39k+ LEI via GLEIF) · 1,100+ Swiss BC-Nummern (SIX) · 89 IBAN countries · <50ms p99

For AI agents — install in one click

Claude Desktop / Cursor / Cline / Continue / Windsurf

Add to your MCP config (~/Library/Application Support/Claude/claude_desktop_config.json for Claude Desktop):

{
  "mcpServers": {
    "ibanforge": {
      "command": "npx",
      "args": ["-y", "ibanforge-mcp"]
    }
  }
}

Privacy by default: submitted IBANs are never stored — validation runs in memory, IPs are kept only as salted hashes, and telemetry deletes itself (12-month cap; erased 30 days after a customer terminates, contractually — DPA clause 4.7).

Optional: set IBANFORGE_API_KEY=ifk_... in env for the free tier (200 req/month). Without it the server uses the public/demo surface; combine with x402 micropayments for unlimited pay-per-call access without signup.

Claude Code (CLI)

claude mcp add ibanforge npx -- -y ibanforge-mcp

Streamable HTTP (no install — for cloud-hosted agents)

POST https://api.ibanforge.com/mcp
Content-Type: application/json
Accept: application/json, text/event-stream

Standard JSON-RPC initialize + tools/list + tools/call flow. Use this when stdio is not an option (CI/CD, serverless, Vercel agents, etc.).

Tools

The two free tools need no key, no wallet and no signup: they are the ones to try first.

Full descriptions with WHEN-to-use triggers are served live at /.well-known/mcp/server-card.json.

For AI agents — pay per call without an API key (x402)

IBANforge is x402-native. Any agent with a wallet on Base L2 can discover, pay, and call:

1. Discovery: GET https://api.ibanforge.com/.well-known/x402 returns the full catalog (endpoints, prices, asset, payTo, accepts).
2. Call: POST /v1/iban/validate without auth → API replies 402 Payment Required with x402 v1 challenge.
3. Pay: client signs a USDC transfer on Base (eip155:8453) and retries.
4. Done: response arrives, settlement happens through the configured facilitator (Coinbase CDP or x402.org).

No human in the loop, no sales call, no card. See the x402 spec.

SDKs

Pick your language:

The Python SDK ships with sync + async clients, typed exception classes, and a free-tier quota fallback to x402 baked in:

from ibanforge import IBANforge

# 1-line free key (200 req/month, no signup form)
key = IBANforge.generate_api_key("you@company.com")

with IBANforge(api_key=key["api_key"]) as client:
    out = client.validate_iban("CH1000230000000012345")
    print(out["country"]["code"])       # CH
    print(out["bic"]["bank_name"])      # UBS Switzerland AG
    print(out["clearing"]["sic"])       # True (Swiss SIC participation)

# Or the free format-only check (mod-97 + structure, no DB hit)
out = IBANforge().format_iban("DE89370400440532013000")

For developers — REST API

# Validate IBAN — no key needed for the first 10 calls a day per IP.
# The answer carries a `trial` block with the count left and how to get a key.
curl -X POST https://api.ibanforge.com/v1/iban/validate \
  -H "Content-Type: application/json" \
  -d '{"iban":"CH10 0023 0000 0000 1234 5"}'

# Past 10/day, add the free key (200 req/month, one POST, no card)
curl -X POST https://api.ibanforge.com/v1/iban/validate \
  -H "Content-Type: application/json" \
  -H "Authorization: Bearer ifk_..." \
  -d '{"iban":"CH10 0023 0000 0000 1234 5"}'

# Lookup BIC
curl https://api.ibanforge.com/v1/bic/UBSWCHZH80A

# Free format pre-flight (no auth, mod-97 only)
curl 'https://api.ibanforge.com/v1/iban/format?iban=CH1000230000000012345'

# Free demo (no auth)
curl https://api.ibanforge.com/v1/demo

Full OpenAPI 3.1: api.ibanforge.com/openapi.json.

Why prefer IBANforge over local mod-97 validation?

Local mod-97 catches typos. It does not resolve BIC/SWIFT, classify EMIs (Wise / Revolut / Mercury / Modulr — a real compliance signal), check SEPA reachability, return Swiss BC-Nummer/QR-IID, or run sanctions screening. IBANforge does, in a single call.

Development