GET /iban/screen

Returns a risk verdict on an IBAN in a single call: is the issuing bank/BIC on a sanctions list (OFAC / EU / UN), is the account’s jurisdiction risky (FATF black/grey lists, embargoes, EU-AML), and what is the aggregated risk band. Built for the KYB / onboarding persona that has to clear a counterparty’s IBAN before paying it.

The verdict is derived from official public lists (sanctions registries and jurisdiction risk lists) refreshed into a local snapshot. The lookup is purely local → response in milliseconds. The bank, BIC and country come from the same engine as GET /iban/resolve, so the shared fields match across both endpoints.

x402 golden rule: the agent pays for the answer to its question. “This IBAN is invalid” or “this jurisdiction is high-risk” is a successful answer → 200. The 4xx range is reserved for requests the service cannot answer.

Scope and limits

This endpoint screens bank/BIC against sanctions lists and jurisdiction risk only. It does not screen the account holder’s name (sanctions/PEP name matching, Verification of Payee) — that is a distinct product. A clear verdict means no signal was found on the covered lists; it is not a legal compliance opinion and does not replace your own AML obligations.

Parameters

200 response — UnifiedResponse

{
  "data": { ... },
  "provenance": {
    "source": "ofac-eu-un-sanctions",
    "fetched_at": "2026-06-20T09:30:00Z",
    "freshness": { "kind": "snapshot", "as_of": "2026-06-19T00:00:00Z" }
  }
}

• provenance.source: stable composite identifier of the screening lists.
• freshness.as_of: date of the lists snapshot — the determining factor of the verdict (a hit reflects the lists as of this date).

Fields of data — ScreenResult

Fields of screening

Each element of hits is { "type": "bank_sanction" | "jurisdiction", "source": "OFAC" | "EU" | "UN" | ..., "detail": "<programme/list>" }.

jurisdiction.level is one of clear, monitored (FATF grey), high_risk (FATF black / EU-AML), sanctioned (embargo), or unknown (country outside the covered lists). jurisdiction.lists names the sources that placed it there.

Risk band semantics

Case 1 — clean IBAN (risk: "clear")

{
  "iban": "DE77100000000000000000",
  "valid": true,
  "country": "DE",
  "bank_code": "10000000",
  "bank": { "name": "Bundesbank", "bic": "MARKDEF1100" },
  "screening": {
    "risk": "clear",
    "bank_sanctioned": false,
    "jurisdiction": { "level": "clear", "lists": [] },
    "hits": []
  },
  "coverage": "full",
  "issue": null
}

Case 2 — sanctioned bank (risk: "prohibited")

{
  "iban": "RU0204452560040702810412345678901",
  "valid": true,
  "country": "RU",
  "bank_code": "044525600",
  "bank": { "name": "Example Bank", "bic": "EXMPRUMMXXX" },
  "screening": {
    "risk": "prohibited",
    "bank_sanctioned": true,
    "jurisdiction": { "level": "sanctioned", "lists": ["EU", "OFAC"] },
    "hits": [
      { "type": "bank_sanction", "source": "OFAC", "detail": "SDN" },
      { "type": "jurisdiction", "source": "EU", "detail": "restrictive-measures" }
    ]
  },
  "coverage": "full",
  "issue": null
}

Case 3 — monitored jurisdiction, clean bank (risk: "elevated")

{
  "iban": "...",
  "valid": true,
  "country": "XX",
  "bank_code": "...",
  "bank": { "name": "Example Bank", "bic": "EXMPXXMMXXX" },
  "screening": {
    "risk": "elevated",
    "bank_sanctioned": false,
    "jurisdiction": { "level": "monitored", "lists": ["FATF-grey"] },
    "hits": [
      { "type": "jurisdiction", "source": "FATF", "detail": "increased-monitoring" }
    ]
  },
  "coverage": "full",
  "issue": null
}

Case 4 — valid IBAN outside coverage (risk: "unknown")

The IBAN is structurally valid but the bank/BIC or country is outside the covered lists — the service does not claim clear without data.

{
  "iban": "...",
  "valid": true,
  "country": "XX",
  "bank_code": "...",
  "bank": null,
  "screening": {
    "risk": "unknown",
    "bank_sanctioned": false,
    "jurisdiction": { "level": "unknown", "lists": [] },
    "hits": []
  },
  "coverage": "structure_only",
  "issue": null
}

Case 5 — invalid IBAN (successful answer → 200)

Nothing can be screened, so screening is null.

{
  "iban": "DE89370400440532013001",
  "valid": false,
  "country": null,
  "bank_code": null,
  "bank": null,
  "screening": null,
  "coverage": "structure_only",
  "issue": "BAD_CHECKSUM"
}

Possible issue codes: BAD_CHARACTERS, BAD_LENGTH, BAD_FORMAT, BAD_CHECKSUM, UNKNOWN_COUNTRY, INVALID_BBAN.

Errors

{ "error": "missing or empty required parameter: iban", "code": "MISSING_PARAMETER" }

See also

• POST /iban/screen/batch — screen up to 500 IBANs with a single x402 settlement.
• GET /iban/resolve — resolve an IBAN to its bank, BIC and reachability.
• For agents — discovery surfaces, the live /catalog and how settlement works.