Cross-Border Payment Pre-Validation

Gated two-step chain for CBPR+ payment pre-validation. Step 1 checks whether a purpose code is mandatory for the beneficiary jurisdiction (UAE, India, Bahrain, Jordan, China, Malaysia per BIS CPMI d218) and whether SwiftGo eligibility conditions are met. Step 2 runs aggregate pre-validation (IBAN mod-97, BIC format, LEI format, UETR UUIDv4, PostalAddress24 structure) and emits a /ready boolean. The §21.4 decision gate on /ready records which branch was taken: ready=true exits STP-eligible, ready=false exits requiring remediation. No personal data is processed.

OpenChainGraph · 2 Steps compliance mandate · Gated Hash-Anchored §4 chain_depth:2 Client-Side · Zero PII

Chain Stages · 2 Steps · Gated

1 ROOT node

ISO 20022 Purpose Code Requirement Checker art-243-purpose-code-requirement-checker

Checks whether a purpose code is mandatory for the beneficiary jurisdiction (UAE, India, Bahrain, Jordan, China, Malaysia per BIS CPMI d218) and whether SwiftGo eligibility conditions are met. Passes the requirement and eligibility result to aggregate pre-validation.

MCP Call · check_purpose_code_requirement

{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "check_purpose_code_requirement",
    "arguments": {
      "beneficiary_country": "AE",
      "payment_amount_usd": 5000,
      "purpose_code": "TRAD",
      "category_purpose_code": "TRAD"
    }
  },
  "id": 1
}

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2 TERMINAL §21.4 gate

Cross-Border Payment Prevalidation Readiness Scorer art-247-prevalidation-readiness-scorer

GATE: /ready eq true → end | default → end (remediation)

Runs aggregate pre-validation (IBAN mod-97, BIC format, LEI format, UETR UUIDv4, PostalAddress24 structure) and emits a /ready boolean with per-check detail. Gate: ready=true exits STP-eligible; ready=false exits requiring remediation.

MCP Call · prevalidation_readiness_scorer

{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "prevalidation_readiness_scorer",
    "arguments": {
      "iban": "DE89370400440532013000",
      "bic": "DEUTDEFFXXX",
      "lei": "00000000000000000001",
      "uetr": "550e8400-e29b-41d4-a716-446655440000",
      "address_street_name": "Kaiserstrasse",
      "address_building_number": "29",
      "address_post_code": "60311",
      "address_town_name": "Frankfurt",
      "address_country": "DE"
    }
  },
  "id": 2
}