BankValidate
Deterministic, explainable checks for bank identity evidence.
A deterministic reviewer for bank identity evidence. Paste or upload synthetic CSV records and run source-limited BIC and bank-identity checks through the same core used by the CLI. Every flag shows the value, the conflict, and the reason, and corrections are offered as suggestions a human approves.
Introduction
Reference-data quality is invisible until a single bad row stops a payment or holds up an onboarding. BankValidate is a working tool that reviews bank identity evidence the way a careful operations analyst would: deterministically, and with its reasoning shown for every flag.
The Problem
Each bad row is real friction. A transfer can halt in the rail until the identity clears. A counterparty waits while a record is reconciled. Someone opens an investigation and works it by hand. The cost is not abstract; it lands on payments and onboarding teams as stalled transfers, delayed go-lives, and manual review queues.
The Build
BankValidate takes synthetic CSV records, previews the schema, and runs BIC and bank-identity checks through a deterministic core. Every flag shows its work: the original value, the specific conflict, and the reason behind it. For example, when a BIC encodes one ISO country in positions 5 and 6 but the record states another, the tool explains exactly why the two disagree. Corrections are presented as suggestions, never silent auto-fixes, and a human reviewer stays in the loop and approves every change.
Why It Matters
Banks and Fintechs already carry the cost of weak reference data through manual repairs and opaque exception handling. The useful tooling is not a black box that quietly rewrites records. It is a deterministic, explainable check that a reviewer can trust and an auditor can follow, so corrections are accountable rather than guessed.
Tags: BIC, Bank Identity, Reference Data, Data Quality, Payments, Validation