iso20022-bank-profile-mcp 0.0.1

MCP server that manages, validates, and serves bank-specific ISO 20022 clearing profiles and rule packs.

iso20022-bank-profile-mcp: The ISO 20022 Bank Clearing-Profile Server

A fully local, closed-world Model Context Protocol server that manages, validates, and serves bank-specific ISO 20022 clearing profiles / rule packs — the market-practice rules that sit beyond structural XSD validation. It is a foundational member of the ISO 20022 MCP Suite and a sibling of iso20022-readiness-suite-mcp, whose readiness gateway can consume the profiles this server serves.

The November 2026 milestones. As the major schemes (CBPR+, HVPS+, T2, FedNow) tighten their ISO 20022 requirements — structured postal addresses chief among them — a payment that was fine yesterday can be rejected tomorrow. iso20022-bank-profile-mcp turns those scheme rules into versioned, agent-callable clearing profiles: list_profiles and get_profile serve them, lint_payload evaluates a payload against one, and validate_profile_definition vets a bank-supplied rule pack. v0.0.1, stdio transport, 4 read-only tools, Python 3.10+.

Contents

• Overview
• The ISO 20022 MCP Suite
• Install
• Quick Start
• Tools
• How it fits the suite
• Open-core vs premium
• When not to use iso20022-bank-profile-mcp
• Development
• Security
• Documentation
• License
• Contributing
• Acknowledgements

Overview

The Model Context Protocol (MCP) is an open standard that lets AI agents and assistants discover and call external tools in a uniform way. iso20022-bank-profile-mcp owns the market-practice profile layer of the ISO 20022 MCP Suite: the scheme-specific and bank-specific rules a payment must satisfy to clear, which live above the XSD and vary by clearing system.

A clearing profile is pure data — a profile_id, its market_practice, the messages it supports, and a list of declarative custom_rules. The server ships open baseline profiles (Generic, CBPR+, SEPA_Instant, FedNow) and exposes four read-only tools to discover them, fetch them in full, lint a payload against one, and validate a candidate rule pack.

It is a fully local, closed-world server: no network surface, no sub-servers, no meta-client. Every tool computes from the bundled profile data and returns typed, JSON-serialisable output; on any failure — a bad input, an unparseable payload, an unknown profile — it returns an {"error": ...} payload rather than raising into the client transport. XML payloads are parsed with defusedxml only (no XXE / billion-laughs).

• Website: https://sebastienrousseau.github.io/iso20022-bank-profile-mcp/
• Source code: https://github.com/sebastienrousseau/iso20022-bank-profile-mcp
• Bug reports: https://github.com/sebastienrousseau/iso20022-bank-profile-mcp/issues

flowchart TD
    A["MCP client<br/>(Claude Desktop, IDE, agent)"] -->|stdio| B["iso20022-bank-profile-mcp<br/>(clearing-profile server)"]
    B --> C["ProfileEngine<br/>(bundled JSON + register() seam)"]
    C --> D["Generic"]
    C --> E["CBPR+"]
    C --> F["SEPA_Instant"]
    C --> G["FedNow"]
    H["iso20022-readiness-suite-mcp<br/>(readiness gateway)"] -.consumes profiles.-> B

The ISO 20022 MCP Suite

iso20022-bank-profile-mcp is one of a set of coordinated, vendor-neutral MCP servers for the ISO 20022 migration. Dependency ranges are kept aligned across the suite, so the servers co-install cleanly in a single Python environment.

Server	Scope	Install
iso20022-readiness-suite-mcp	Orchestration gateway: readiness scoring, remediation, clearing-profile linting, and bank-response simulation over the foundational servers	pip install iso20022-readiness-suite-mcp
structured-address-fix-mcp	ISO 20022 postal-address classification, assessment, and remediation for the Nov 2026 structured-address cliff	pip install structured-address-fix-mcp
iso20022-mcp	Unified gateway meta-tools (search / describe / validate / generate / parse) across the ISO 20022 message catalogue	pip install iso20022-mcp
camt053-mcp	ISO 20022 camt.05x bank statements: parse, validate, filter, reverse; MT94x migration; CBPR+ readiness	pip install camt053-mcp
pain001-mcp	Generate & validate ISO 20022 pain.001 payment-initiation files (v03–v12, pain.008, SEPA) with rulebook checks	pip install pain001-mcp
reconcile-mcp	Reconcile ISO 20022 payments and statements; match initiations to their bank-side outcomes	pip install reconcile-mcp
bankstatementparser-mcp	Parse bank statements (MT940/MT942 and camt) into structured, agent-friendly data	pip install bankstatementparser-mcp

Where the foundational servers each do one message job well and the readiness gateway composes them, this server owns the clearing profiles: it manages, validates, and serves the market-practice rule packs the rest of the suite lints against.

Install

iso20022-bank-profile-mcp runs on macOS, Linux, and Windows and requires Python 3.10+ and pip. It pulls in the MCP SDK, pydantic, and defusedxml automatically — all published on PyPI.

python -m pip install iso20022-bank-profile-mcp

Or run it without installing, straight from PyPI, with uvx:

uvx iso20022-bank-profile-mcp

Using an isolated virtual environment (recommended)

python -m venv venv
source venv/bin/activate        # macOS/Linux
venv\Scripts\activate           # Windows
python -m pip install -U iso20022-bank-profile-mcp

Quick Start

For the 10-minute install → MCP client config → first conversation tutorial, see docs/quickstart.md.

Launch the server over stdio (the FastMCP default transport):

iso20022-bank-profile-mcp

Register it with any MCP client (e.g. Claude Desktop) by adding it to the client's configuration:

{
  "mcpServers": {
    "iso20022-bank-profile": { "command": "iso20022-bank-profile-mcp" }
  }
}

The command speaks MCP on stdin/stdout — it is meant to be launched by an MCP client, not used interactively. The agent can then call the tools below.

You can also invoke the tools in-process — without a transport — straight through the FastMCP instance. This mirrors what an agent receives over stdio; everything is local, so no other servers are needed:

import asyncio

from iso20022_bank_profile_mcp import server


async def main() -> None:
    async def call(name, args):
        result = await server.server.call_tool(name, args)
        content = result[0] if isinstance(result, tuple) else result
        return content[0].text if content else ""

    # Which clearing profiles can I target?
    print(await call("list_profiles", {}))
    # -> {"profile_id": "...", "market_practice": "...", "rule_count": ...}, ...

    # Lint a payload against a profile: a CBPR+ address missing its town.
    payload = "<Document><PstlAdr><Ctry>DE</Ctry></PstlAdr></Document>"
    print(await call("lint_payload",
                     {"payload_content": payload, "profile_id": "CBPR+"}))
    # -> {"profile_id": "CBPR+", "is_compliant": false,
    #     "findings": [{"code": "CBPR_MISSING_TOWN", "locator": "TwnNm", ...}]}


asyncio.run(main())

Tools

All tools return JSON-serialisable data; on a domain, validation, or value error they return an {"error": ...} payload rather than raising. Every tool is a pure, local, read-only, idempotent, closed-world lookup — no network, no sub-servers.

• list_profiles — List the available clearing profiles as lightweight summaries (profile_id, market_practice, supported_messages, rule_count). Use it to discover the profile_id values the other tools accept.
• get_profile — Return one clearing profile in full, including its rule bodies.
• lint_payload — Evaluate a raw ISO 20022 payload against a clearing profile and return the findings (a compliant payload yields none).
• validate_profile_definition — Validate a bank-supplied profile / rule-pack definition supplied as raw JSON, confirming its shape and that every rule uses a known assertion verb.

How it fits the suite

This server is the profile authority for the ISO 20022 MCP Suite. The sibling iso20022-readiness-suite-mcp gateway scores and remediates payments against clearing profiles; those profiles are exactly what this server manages, validates, and serves. Aligning on one profile source keeps the readiness gateway and any bank's own tooling evaluating a payment against the same market-practice rules.

The profile catalogue is extensible at the seam the whole suite shares. The ProfileEngine loads the open baseline from bundled JSON with ProfileEngine.from_bundled(), and exposes ProfileEngine.register(profile) to add (or replace) a profile at runtime. A premium, bank-specific rule pack is the same shape as a bundled profile — a ClearingProfile with a profile_id, a market_practice, its supported_messages, and a list of custom_rules — so a deployment that embeds this server can register its licensed packs and serve them alongside the open baseline without changing the tool surface. See docs/profiles.md for the rule mini-language and the register() seam.

Open-core vs premium

The server is open core: the baseline scheme profiles and the profile engine are open source and always available. Higher-tier, institution-specific capabilities are commercial add-ons that plug into the same profile-engine seam (the engine already exposes a register() hook for runtime-loaded rule packs).

Capability	Tier
Profile engine + rule mini-language	Open Source
Baseline scheme profiles (Generic, CBPR+, SEPA_Instant, FedNow)	Open Source
Bank-specific / proprietary scheme rule packs	Paid
Entitlement-gated profile distribution	Paid
Stateful profile-version history & audit logs	Paid

The paid tiers are on the roadmap (premium rule-pack entitlement gating and richer bank rule packs), not in this release. Nothing in the open-source tier is time-limited or feature-gated.

When not to use iso20022-bank-profile-mcp

• You have no MCP client. This server only makes sense paired with an MCP-aware host (Claude Desktop, the IDE plugins, an agent framework).
• You need structural XSD validation or message generation. Those live in the foundational suite servers (iso20022-mcp, camt053-mcp, pain001-mcp). This server evaluates market-practice rules above the XSD; it does not parse, generate, or structurally validate messages.
• You want an end-to-end readiness score and remediation. That is the job of iso20022-readiness-suite-mcp, which consumes these profiles. Use it if you want scoring, remediation, and bank-response simulation composed together.
• You need a long-lived network service. v0.0.1 speaks stdio only — one process per operator, launched by the client, no network surface. An HTTP/OAuth transport for shared, multi-tenant deployments is on the roadmap, not in this release.
• You need streaming responses. Tool calls return whole values, not streams.

Development

iso20022-bank-profile-mcp uses Poetry and mise.

git clone https://github.com/sebastienrousseau/iso20022-bank-profile-mcp.git && cd iso20022-bank-profile-mcp
mise install
poetry install
poetry shell

Note: the server is fully local and closed-world, so the test suite runs with nothing else installed. See CONTRIBUTING.md.

A Makefile orchestrates the quality gates (kept in lockstep with CI):

make check        # all gates (REQUIRED before commit): lint + type-check + test
make test         # pytest (100% line + branch coverage)
make lint         # ruff + black
make type-check   # mypy --strict
make security     # bandit

Security

iso20022-bank-profile-mcp returns errors as data — every tool catches the documented domain, validation, and value errors and returns an {"error": ...} envelope; it never propagates raw exceptions to the MCP client. Payloads reached through the clearing-profile engine are parsed with defusedxml only (no XXE / billion-laughs), and the server opens no network sockets. Reporting practice, supported versions, the attack surface, and the full supply-chain posture (SLSA L3 provenance, PEP 740 attestations, SBOMs, and the NIST SP 800-218 SSDF practice mapping) are documented in SECURITY.md. Vulnerabilities go via GitHub Private Vulnerability Reporting, not public issues.

Documentation

• README.md — this file
• CHANGELOG.md — release notes
• SECURITY.md — disclosure + supported versions
• SUPPORT.md — how to get help
• ROADMAP.md — what's next (richer bank rule packs, HTTP transport, premium entitlement gating)
• MAINTAINERS.md — who can merge
• docs/quickstart.md — 10-minute install → first conversation
• docs/profiles.md — the clearing profiles, the rule mini-language, and how premium rule packs plug in
• glama.json — Glama directory manifest

---

MCP Registry

mcp-name: io.github.sebastienrousseau/iso20022-bank-profile-mcp

---

License

Licensed under the Apache License, Version 2.0. Any contribution submitted for inclusion shall be licensed as above, without additional terms.

Contributing

Contributions are welcome — see the contributing instructions. Thanks to all contributors.

Acknowledgements

Built alongside the foundational servers of the ISO 20022 MCP Suite and the Model Context Protocol Python SDK.