SEPA Payment Readiness

Everything your agent needs before initiating a SEPA transfer: IBAN validation, bank identification, VAT verification, and current exchange rate.

3 steps x402 eligible sepa-readiness

What it runs

IBAN Validation
Source: Algorithmic validation (ISO 13616 IBAN standard + bank registry)
EU VAT Validation
Source: VIES (EU VAT Information Exchange System, European Commission)
Exchange Rate
Source: European Central Bank daily reference rates

The answer returns every step’s result, so your agent can show or check each one.

Inputs

Field	Type	Required	What it is
`iban`	string	Yes	—
`vat_number`	string	Yes	—
`source_currency`	string	No	ISO 4217 currency code, omit if EUR

How to call it

# Needs an API key. The whole check is charged once, at the listed price.
curl -X POST https://api.strale.io/v1/solutions/sepa-readiness/execute \
  -H "Authorization: Bearer $STRALE_API_KEY" \
  -H 'Content-Type: application/json' \
  -d '{
    "inputs": {
      "iban": "DE89370400440532013000",
      "vat_number": "DE136695976",
      "source_currency": "SEK"
    },
    "max_price_cents": 30
  }'

# No account. The first request answers 402 with the price in USDC;
# an x402 client pays it from your wallet and repeats the request.
curl -i -X POST https://api.strale.io/x402/v2/solutions/sepa-readiness \
  -H 'Content-Type: application/json' \
  -d '{
    "iban": "DE89370400440532013000",
    "vat_number": "DE136695976",
    "source_currency": "SEK"
  }'

The bundle’s published example input.

Limitations

Validates structure and checksum only — does not confirm the account is open or active
From step: IBAN Validation
What to do instead: Use a SEPA test transaction (€0.01) or bank account verification API to confirm the account is live before large transfers
Covers all SEPA-zone IBANs. Non-SEPA country IBANs validated structurally but bank lookup may be incomplete
From step: IBAN Validation
What to do instead: For non-SEPA IBANs, cross-reference the bank code portion against SWIFT's IBAN Plus directory
VIES can be unavailable or throttle requests under unpublished per-member-state limits. Transient faults are retried, and cached results, including older fallback results, can be returned during outages.
From step: EU VAT Validation
What to do instead: Lookups within 48 hours can use cached results; if VIES is unavailable and no cached result exists, retry later.
Results can be cached for 48 hours, and national registry changes can take a further 24 hours to appear in VIES. Check the national tax authority directly for same-day registration or deregistration confirmation.
From step: EU VAT Validation
What to do instead: For real-time same-day verification, contact the national tax authority directly.
Swiss UID validation returns valid or invalid only, without a company name or address. This tool does not perform the separate enrichment lookup, whose public service is limited to 20 requests per minute.
From step: EU VAT Validation
What to do instead: For Swiss company name + address, call the swiss-company-data capability.
GB VAT numbers return a credentials-pending error when the HMRC connection is not configured.
From step: EU VAT Validation
What to do instead: Use vat-format-validate for GB format checks; it does not confirm VAT registration.
Rates updated every hour during market hours, may be stale during weekends and holidays
From step: Exchange Rate
What to do instead: For weekend transactions, use the Friday close rate and flag the amount for reconciliation on Monday
Mid-market rates — actual bank conversion rates will differ by 0.5-3% depending on provider
From step: Exchange Rate
What to do instead: Apply your bank's typical spread as a margin buffer (e.g., ±1.5%) when displaying converted amounts to users