# B2B Autonomous Financial & Tax Verification Hub for AI Agents (IBAN #6 + CUI/VIES #7 + e-Factura #4 + Idempotency #18)

> Pay-per-request IBAN validation API for AI agents and developers. ISO 13616 Modulo-97 check, country/bank data, SEPA reachability, batch validation and SEPA EPC QR codes.
> Payment: x402 v2, scheme "exact", USDC on Base (eip155:8453). No account or API key: call the endpoint, receive HTTP 402 with payment requirements, sign and retry.

## Discovery
- [Agent card](https://api.ibancheck.co.uk/agent-card.json)
- [OpenAPI](https://api.ibancheck.co.uk/openapi.json)
- [API reference](https://api.ibancheck.co.uk/api/reference)
- [Health](https://api.ibancheck.co.uk/api/health) (free)

## Paid endpoints
- POST https://api.ibancheck.co.uk/api/valideaza-iban — $0.002 USDC — Validate an IBAN before you send money. Returns valid/invalid, ISO 13616 Modulo-97 checksum, country, length and BBAN-format checks, bank code, SEPA reachability and clear error reasons. Deterministic, no account or API key. Input: {"iban":"DE89370400440532013000"}. $0.002 USDC per call on Base.
- POST https://api.ibancheck.co.uk/api/valideaza-cui — $0.010 USDC — CUI/CIF Modulo-11 checksum; live ANAF (Romania) or VIES (EU) registry lookup with short timeout, falling back to local format/demo-snapshot data if the live registry is unreachable
- POST https://api.ibancheck.co.uk/api/audit-partener — $0.025 USDC — Complete Partner Audit Bundle: IBAN + CUI + live ANAF/VIES fiscal status + Risk Assessment + QR Code. Checks IBAN and CUI independently — does NOT confirm the IBAN account is held by the CUI company (see warnings[] in the response).
- POST https://api.ibancheck.co.uk/api/generate-efactura-ubl — $0.030 USDC — Convert JSON invoice into valid European Standard EN 16931 / CIUS-RO ANAF UBL 2.1 XML e-Factura
- POST https://api.ibancheck.co.uk/api/generate-idempotency-key — $0.002 USDC — Generate a time-sortable UUIDv7-based Idempotency-Key with a deterministic payload hash. Send it as an Idempotency-Key header on a retried call to any paid endpoint: the same key and request returns the cached response with no new charge.
- GET https://api.ibancheck.co.uk/api/generate-uuidv7 — $0.002 USDC — Ultra-fast time-ordered UUIDv7 generator for database primary keys & transactional event logs
- POST https://api.ibancheck.co.uk/api/valideaza-iban/batch — $0.025 USDC — Validate up to 2000 IBANs in one call. Returns a per-IBAN result (checksum, country, bank code, SEPA) plus totals and a per-country breakdown. Ideal for cleaning payee lists, payroll or invoice files. Input: {"ibans":["DE89370400440532013000","RO49AAAA1B31007593840000"]}. $0.025 USDC per call on Base.
- POST https://api.ibancheck.co.uk/api/iban/generate-epc-qr — $0.002 USDC — Generate a SEPA EPC (GiroCode) payment QR code as PNG or SVG from IBAN, beneficiary name, amount and reference. Scannable by European banking apps to prefill a SEPA credit transfer. The IBAN is validated first. $0.002 USDC per call on Base.
- POST https://api.ibancheck.co.uk/api/hash-timestamp — $0.003 USDC — Cryptographic SHA-256 hash & HMAC timestamp audit seal for AI agent actions
- GET https://api.ibancheck.co.uk/api/curs-bnr — $0.004 USDC — Official BNR daily reference exchange rate table (live fetch + cache, embedded fallback snapshot when offline)
- POST https://api.ibancheck.co.uk/api/converteste-valuta — $0.004 USDC — Currency conversion using current BNR rates, with optional net/VAT/gross RON breakdown
- POST https://api.ibancheck.co.uk/api/sign-transaction — $0.004 USDC — RFC 8785 key-sorted JSON canonicalization + SHA-256 hash + Merkle leaf + HMAC-SHA256 audit signature
- POST https://api.ibancheck.co.uk/api/verify-signature — $0.003 USDC — Re-canonicalizes a payload and compares recomputed hash/HMAC against provided values to detect tampering

## Example
curl -X POST https://api.ibancheck.co.uk/api/valideaza-iban -H "Content-Type: application/json" -d '{"iban":"DE89370400440532013000"}'
The first response is 402 with a PAYMENT-REQUIRED header; an x402 client (for example @x402/core with @x402/evm) pays and retries automatically.