Payment Intelligence

Payment Intelligence: ISO 20022 tools for AI assistants

Offline ISO 20022 tools for payment operations, investigations and migration teams, packaged for Claude Code, OpenAI Codex, GitHub Copilot, VS Code, Gemini CLI, Cursor and any MCP client. It is built on the same libraries as the Payment Intelligence Modules browser suite.

Nothing leaves your machine. The plugin runs a local MCP server over stdio. It makes no network calls, sends no telemetry and has no account. It only reads files you name, and writes only the scrubbed copy you ask for.

We don't provide reference data. The plugin works on your own. No SwiftRef, BIC Directory or SSI data is shipped, sold or downloaded. Your institution already licenses that data; the tools read the files you point them at, on your machine: your own reference files, your own SSI file and your own payment messages. It is provider-agnostic:

• SWIFTRef, current format: unzipped BIC Directory and Payments Directory folders (IDENTIFIERS including historical, PARTICIPANTS and RELATIONSHIPS files; layouts are read from the STRUCTURES file in the same download).
• SWIFTRef, legacy products: BIC Plus, BIC Directory 2018, Bank Directory Plus, IBAN Plus, SEPA routing, Reach Plus, gpi, and SSI Plus.
• Any other provider or in-house system: CSV/TSV exports. Common column names are recognised automatically, column_map covers any other layout, and any column it cannot map is listed in the result, so there is no lock-in to one data vendor.

The only data built in is public format rules: the SWIFT IBAN Registry structures, ISO country and currency codes, and the ISO 20022 External Code Sets (2Q2026 v3, August 2026) for payment status, reason and investigation codes.

Messages are read by element, not by schema version. The tests run the payment, statement and cancellation samples on their CBPR+ SR2025 version and on the latest ISO version (for example pacs.008.001.13 and pacs.002.001.15) and expect the same result.

What you can ask

• "Explain this pacs.008 / pacs.004 / camt.053."
• "Scrub payments/batch-0412.xml before I send it to the vendor."
• "Why was this payment returned? Here are the pacs.008, pacs.002 and pacs.004."
• "Here is the camt.110 we received and the original pacs.008. What are they asking, and has it been answered?"
• "What did the responder confirm in this camt.111?" or "What do these Tracker notifications say about our case?"
• "Is DE89 3704 0044 0532 0130 00 a valid IBAN?" or "Build a French IBAN from these bank and account numbers."
• "Is this message CBPR+ ready?"
• "Validate our SSI file ssi/master.tsv." or "Does this pacs.009 pay Nova through the correspondent in our SSI file?"
• "Look up DEUTDEFF in our BIC Directory at ~/swiftref/2026-02." or "Which BIC does sort code 400501 route to?"
• "Check this pacs.009 against the SSIs in our Payments Directory RELATIONSHIPS file."

Components

The SSI and reference tools read your files locally, return only the records that match your request, and mask every account number they return.

To avoid naming your reference folder in every request, set PAYMENT_INTELLIGENCE_REFERENCE_PATH to it in the shell you start your agent from (for example export PAYMENT_INTELLIGENCE_REFERENCE_PATH=~/swiftref/latest).

Only scrub_payment_message writes anything. It writes the scrubbed file to the output_path you give, refuses to overwrite an existing file, and never touches the original.

Limits (read before relying on it)

• CBPR+ checks are readiness hints. They cover the SR2025 usage rules named in the tool description. Postal address and party or agent option rules are not checked.
• No BIC directory is bundled. Without your reference files, BIC checks are syntax and country code only. With them, a current directory record still does not prove the institution can be reached for a given payment: service participation, routing and bilateral relationships are separate checks. Never use either alone for routing or compliance decisions.
• Use full reference files. Monthly delta files list only changes, so a lookup in a delta file alone is incomplete. The tools say when a file is a delta. IBAN Plus is used to link national IDs to BICs; IBANs themselves are still validated against the public IBAN Registry structures only.
• A valid IBAN doesn't mean the account exists. There is no Verification of Payee or account-holder matching.
• No live tracking. Lifecycle analysis covers only the files you supply. There is no gpi, scheme or settlement lookup.
• Case messages are read, not managed. camt.110, camt.111, camt.056, camt.029, the older camt.026, camt.027, camt.028 and camt.087, and Swift Tracker messages (trck.003 alerts, trck.005 case status) are explained and threaded from your files. The plugin is not connected to Swift Case Management, keeps no case state, and does not draft, answer or close a case. It projects their fields for triage and does not validate them against usage-guideline rules; MT 199 copies are read, not translated.
• Pseudonymised, not anonymised. Scrubbed output may still count as personal data under GDPR and similar laws. Spot-check it before sharing.
• Reason codes come from the ISO External Code Sets 2Q2026 v3 (August 2026). This copy is not the official source; the latest code sets are at iso20022.org. Codes added after that release are not known to the plugin, and a scheme can allow fewer codes than ISO lists.
• SSI checks are only as good as your SSI file. They test format and consistency, not whether a BIC or account exists, and do not replace confirming SSI changes with the counterparty.

Install

Requires Node.js 20.10 or later. Each agent reads its own manifest from this repository.

Then start a new session and try one of the requests above. To try it without your own data, use the sample messages in samples/.

How it is built

server/runtime/ is plain, readable JavaScript with no dependencies and no install step. Every agent runs it with node. Each file is generated from the TypeScript sources of the Payment Intelligence Modules browser suite, so the plugin and the web app share one copy of the payment logic, and each file names the source it came from.

• The libraries were written for the browser. runtime/dom-shim.mjs gives them a DOMParser in Node, using an unmodified vendored copy of @xmldom/xmldom (MIT).
• runtime/mcp.mjs is a small hand-written MCP server over stdio. It handles initialize, tools/list and tools/call, and checks every tool call against the tool's input schema.
• evals/ holds a claude plugin eval suite (Claude Code's eval runner). It checks that the skills trigger, that the right tools are called (scrubbing never reads the original file), and that unrelated requests leave the plugin alone.

License

MIT. See LICENSE.