# IBANforge

> Pre-payout screening for AI agents — vet a counterparty IBAN before you send funds. IBAN validation, BIC/SWIFT lookup, Swiss clearing (BC-Nummer / QR-IID / SIX BankMaster — full payment-rail participation, the deepest Swiss clearing data in any public API), EMI/vIBAN classification, SEPA Instant + VoP reachability, and sanctions + risk scoring — exposed natively over MCP and x402 micropayments, no API-key signup required.

121k+ BIC entries (38k+ LEI-enriched via GLEIF) · ~1,200 Swiss BC-Nummern (SIX) · 89 countries · 85 EMI/vIBAN issuer classifications — live counts at https://api.ibanforge.com/llms.txt

## API Base URL
https://api.ibanforge.com

## How AI agents connect (pick one)

### MCP server (stdio — easiest, no signup)
npx -y ibanforge-mcp
Claude Desktop / Cursor / Cline config:
{"mcpServers": {"ibanforge": {"command": "npx", "args": ["-y", "ibanforge-mcp"]}}}
Optional: set IBANFORGE_API_KEY=ifk_... in env for the free tier (200 req/month).

### MCP server (streamable HTTP — no install)
POST https://api.ibanforge.com/mcp  (JSON-RPC: initialize → tools/list → tools/call)

### OpenAI agents (no Custom GPT or ChatGPT Plus needed)
Agents SDK: point MCPServerStreamableHttp at the MCP URL above — the 5 tools auto-load.
Function-calling (Chat Completions / Responses): wire tools to the OpenAPI at /openapi.json.

### Pay-per-call without an API key (x402, USDC on Base L2)
GET https://api.ibanforge.com/.well-known/x402 returns the full catalog. Any agent with a Base wallet can discover, pay, and call.

## 5 MCP tools
- validate_iban — validate one IBAN + enrich (BIC, issuer EMI/vIBAN, SEPA, VoP, risk, Swiss bc_nummer). Cost: $0.005
- batch_validate_iban — up to 100 IBANs in one call. Cost: $0.002 per IBAN (e.g. 100 = $0.20)
- lookup_bic — resolve a BIC/SWIFT into bank, country, city, LEI. Cost: $0.003
- lookup_ch_clearing — Swiss BC-Nummer / IID → institution, address, full rail participation (SIC, euroSIC, CHF instant, LSV+/BDD), QR-IID. The deepest Swiss clearing data in any public API. Cost: $0.003
- check_compliance — sanctions (OFAC/EU/UN/SECO, bank-BIC level) + FATF + SEPA Instant + VoP + risk score 0-100. Informational, not regulated AML/CFT. Cost: $0.02

## REST endpoints
- POST /v1/iban/validate — single IBAN, full enrichment ($0.005)
- POST /v1/iban/batch — up to 100 IBANs ($0.002 each)
- GET  /v1/bic/{code} — BIC/SWIFT lookup with LEI ($0.003)
- GET  /v1/ch/clearing/{iid} — Swiss clearing lookup ($0.003)
- POST /v1/iban/compliance — sanctions + FATF + SEPA + VoP + risk ($0.02)
- GET  /v1/iban/format?iban=... — free mod-97 + structure check (no auth)
- GET  /v1/iban/structure[/{country}] — free IBAN templates for 89 countries (no auth)
- GET  /v1/credits/bundles — free, list prepaid credit bundles
- GET  /v1/demo — free example validations
- POST /v1/keys/generate {"email":"you@example.com"} — free API key (200 req/month)

## How to pay (3 rails, no dead-ends)
- Free tier: POST /v1/keys/generate → Authorization: Bearer ifk_... (200 req/month)
- Credit packs (card or USDC, never expire): 1k = $5, 5k = $20, 25k = $80 → POST /v1/credits/buy/1k|5k|25k
- x402 micropayments: pay per call in USDC on Base L2, no signup

## SDKs
- TypeScript: npm install @ibanforge/sdk
- Python: pip install ibanforge

## Discovery
- OpenAPI 3.1: https://api.ibanforge.com/openapi.json
- x402: https://api.ibanforge.com/.well-known/x402
- A2A agents: https://api.ibanforge.com/.well-known/agents.json
- MCP server card: https://api.ibanforge.com/.well-known/mcp/server-card.json
- Full agent guide: https://api.ibanforge.com/llms.txt

## Links
Docs: https://ibanforge.com/docs · Playground: https://ibanforge.com/playground · Pricing: https://ibanforge.com/pricing · GitHub: https://github.com/cammac-creator/ibanforge