iso20022-evidence-pack-mcp: Sealed ISO 20022 Audit Evidence Packs

A fully local, closed-world Model Context Protocol (MCP) server that compiles ISO 20022 readiness findings, remediation diffs, and simulated bank responses into one sealed, exportable audit evidence pack. It is the audit and certification sibling of iso20022-readiness-suite-mcp (which produces those findings) and iso20022-bank-profile-mcp in the ISO 20022 MCP Suite.

Tamper-evident by construction. The pack's seal is a deterministic SHA-256 digest over the pack's canonical JSON (the digest field excluded). Re-sealing identical content yields the identical digest, and changing any field breaks verification — so an auditor can detect undetected change. There is no network surface, no sub-servers, and no XML: every tool is a pure, local, deterministic transform over the JSON structures it is handed. v0.0.6, stdio, streamable HTTP, SSE or authenticated streamable HTTP, 11 tools including Ed25519 pack signing, Python 3.10+.

Contents

• Overview
• The ISO 20022 MCP Suite
• Install
• Quick Start
• Transports — stdio, streamable HTTP (2026-07-28 and 2025-11-25), SSE and authenticated HTTP from one command line
• Tools
• HTTP transport & authentication
• Signing evidence packs
• Examples
• How it fits the suite
• Open-core vs premium
• Seal vs signature
• When not to use iso20022-evidence-pack-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-evidence-pack-mcp is the audit/certification end of the ISO 20022 MCP Suite: it takes the results that iso20022-readiness-suite-mcp produces — a readiness score with findings, an optional remediation result, and any simulated bank responses — and folds them into one strongly-typed, graded, sealed evidence pack that can be exported, verified, and rendered as a compliance report.

An EvidencePack folds three loosely-typed inputs into one self-describing document: a readiness result (message type, validity, score, findings), an optional remediation result (fixes applied, residual findings), and any simulated bank responses (accepted / rejected statuses). The pack is graded (A / B / C / F from the readiness score) and sealed.

The seal is the point: it is a deterministic SHA-256 digest computed over the pack's canonical JSON form (sorted keys, tight separators, with the digest field itself excluded). Sealing the same content always yields the same value, which is exactly what makes the pack tamper-evident — recomputing the seal and comparing it to the one carried in the pack tells an auditor whether any byte changed since it was sealed.

Every tool returns typed, JSON-serialisable data; on any failure — bad input, unparseable JSON, a shape that does not match the pack schema — it returns an {"error": ...} payload rather than raising into the client transport.

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

flowchart LR
    A["iso20022-readiness-suite-mcp<br/>(readiness + remediation + simulation)"] -->|JSON results| B["iso20022-evidence-pack-mcp<br/>(build + seal)"]
    B -->|sealed pack + digest| C["verify_seal<br/>(tamper check)"]
    B -->|markdown report| D["render_markdown<br/>(compliance report)"]

The server is fully local and closed-world: it holds no state, opens no sockets, and spawns no processes. You hand it JSON, it hands you a sealed pack.

The ISO 20022 MCP Suite

iso20022-evidence-pack-mcp is the audit and certification server 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.

Where the readiness suite decides whether a payment is ready and fixes it, this server certifies the outcome: it turns those findings into a sealed, auditable artifact.

Install

iso20022-evidence-pack-mcp runs on macOS, Linux, and Windows and requires Python 3.10+ and pip. It pulls in only the MCP SDK and pydantic automatically — there are no other runtime dependencies.

python -m pip install iso20022-evidence-pack-mcp

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

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

{
  "mcpServers": {
    "iso20022-evidence-pack": { "command": "iso20022-evidence-pack-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. The example below builds a sealed pack from a small readiness result, then shows the seal round-tripping (and breaking on tamper):

import asyncio
import json

from iso20022_evidence_pack_mcp import server


async def main() -> None:
    async def call(name, args):
        result = await server.server.call_tool(name, args)
        # mcp 2.x returns a CallToolResult (read .content); 1.x
        # returns the content list, or a (content, meta) tuple.
        content = getattr(result, "content", None)
        if content is None:
            content = result[0] if isinstance(result, tuple) else result
        return content[0].text if content else ""

    readiness = json.dumps({
        "message_type": "pacs.008.001.08",
        "is_valid": True,
        "readiness_score": 92,
        "structural_errors": [],
        "profile_findings": [],
    })

    # Fold the readiness result into a graded, sealed evidence pack.
    built = json.loads(await call("build_evidence_pack",
                                  {"readiness_content": readiness}))
    pack, digest = built["pack"], built["digest"]
    print(pack["grade"], digest)      # -> A sha256:01388e3dfbea7d21...

    # The seal round-trips: re-verifying the pack against its digest holds.
    ok = json.loads(await call("verify_seal", {
        "pack_content": json.dumps(pack),
        "expected_digest": digest,
    }))
    print(ok["verified"])             # -> True

    # Change any field and verification against the old digest fails.
    tampered = {**pack, "grade": "F"}
    bad = json.loads(await call("verify_seal", {
        "pack_content": json.dumps(tampered),
        "expected_digest": digest,
    }))
    print(bad["verified"])            # -> False


asyncio.run(main())

Transports

One command line, four transports:

--host and --port change the bind address of streamable-http and sse (defaults 127.0.0.1 and 8000). Those two carry no authentication of their own: bind loopback, or put the server behind a gateway you trust before binding a routable address; --transport http is the authenticated option. Every release is verified over streamable HTTP with scout in both protocol eras and over SSE with the MCP SDK client; see ADR 0001.

{
  "mcpServers": {
    "iso20022-evidence-pack": { "url": "http://127.0.0.1:8000/mcp" }
  }
}

Tools

All tools are read-only, local, idempotent, and closed-world. They return JSON-serialisable data; on a validation or shape error they return an {"error": ...} payload rather than raising.

• build_evidence_pack — Fold a readiness result (plus an optional remediation result, optional simulated bank responses, and free-form metadata) into a graded, sealed evidence pack; returns the pack, its digest, and a rendered markdown report.
• seal_pack — Compute the deterministic SHA-256 seal for an evidence pack (raw JSON).
• verify_seal — Recompute a pack's seal and compare it to an expected digest.
• render_markdown — Render an evidence pack as a markdown compliance report.
• sign_pack — Sign a pack's canonical bytes with the operator's Ed25519 key (configured via the environment); returns the base64 detached signature, the PEM public key, and a key_id. Fails with EP_NO_SIGNING_KEY when no key is configured. See Signing evidence packs.
• verify_pack_signature — Verify a detached Ed25519 signature over a pack's canonical bytes against a public key passed as an argument; returns verified and key_id.

HTTP transport & authentication

The server speaks stdio by default — launched by a local MCP client, one process per operator, with no network surface and no authentication. For shared, multi-tenant deployments, v0.0.2 adds an optional streamable-HTTP transport:

iso20022-evidence-pack-mcp --transport=http --bind=127.0.0.1:8080

--bind defaults to loopback 127.0.0.1:8080, so exposing the server (e.g. --bind=0.0.0.0:8080) is an explicit opt-in. Starting the HTTP transport with no auth configured is refused rather than serving an unauthenticated endpoint. Two auth modes apply, strongest first:

• OAuth 2.1 resource server (RFC 9728) — set the ISO20022_EVIDENCE_PACK_OAUTH_* variables:

  Variable	Required	Meaning
  ISO20022_EVIDENCE_PACK_OAUTH_ISSUER	yes	Authorization-server issuer; the JWT iss must match it exactly.
  ISO20022_EVIDENCE_PACK_OAUTH_AUDIENCE	yes	This server's canonical resource URI (RFC 8707); the JWT aud must contain it.
  ISO20022_EVIDENCE_PACK_OAUTH_JWKS_URL	no	JWKS document URL (defaults to <issuer>/.well-known/jwks.json).
  ISO20022_EVIDENCE_PACK_OAUTH_SCOPES	no	Space-separated scopes every token must carry.

  Every request must present Authorization: Bearer <jwt>; the JWT is validated against the JWKS (iss / aud / exp / nbf and any required scopes). Protected-resource metadata is served at /.well-known/oauth-protected-resource; failures are rejected 401 (or 403 for insufficient scope) with a WWW-Authenticate challenge.

• Static dev-mode bearer token — set ISO20022_EVIDENCE_PACK_TOKEN to a non-empty secret. Every request must then send Authorization: Bearer <secret>. This is a single shared secret with no expiry and no scopes; use OAuth 2.1 in production.

HTTP callers may also send an optional X-MCP-Tenant header, forwarded into a tool-visible request context for multi-tenant scoping. The HTTP transport pulls in extra dependencies (pyjwt[crypto], httpx, starlette, uvicorn); the default stdio transport needs none of them. See docs/transport.md for the full reference.

Signing evidence packs

A pack's seal proves integrity — the content has not changed. A signature proves authenticity — a specific key attests to that content. v0.0.2 adds Ed25519 signing via two tools:

• sign_pack signs the pack's canonical bytes — the exact same serialization the seal digests, with the digest field excluded. Because the signature covers the sealed content, it stays valid if only the digest field changes but breaks if any sealed field changes. It returns the base64 detached signature, algorithm "ed25519", the PEM public key, and a key_id (ed25519:<16 hex>).
• verify_pack_signature verifies a detached signature over a pack's canonical bytes against a public key passed as a tool argument. Public keys are safe to pass across the tool boundary; it returns verified and key_id.

The Ed25519 private key is configured by the operator at launch, via the environment:

• ISO20022_EVIDENCE_PACK_SIGNING_KEY — the PEM private key inline, or
• ISO20022_EVIDENCE_PACK_SIGNING_KEY_FILE — a path to a PEM key file.

The private key never crosses the MCP tool boundary. The server never generates or persists private keys — key material is generated and custodied by the operator, ideally in an HSM/KMS. With no key configured, sign_pack returns EP_NO_SIGNING_KEY; a malformed key or signature returns EP_INVALID_INPUT.

Signing with an operator-supplied key is available today. Keyless (sigstore) and PKI signing with a verification trust root remain roadmap items.

Examples

Runnable, self-contained examples live in examples/. Each script drives the public tools directly and needs no network or sub-server:

python examples/01_build_full_pack.py

See examples/README.md for the full catalogue, or run them all with make examples.

How it fits the suite

The readiness suite and the evidence-pack server form a two-stage pipeline:

1. Readiness → results. iso20022-readiness-suite-mcp runs run_readiness_check (score + findings), remediate_payload (automated fixes), and simulate_bank_response (a mocked pacs.002 outcome). Each returns typed JSON.
2. Results → sealed pack. You hand those JSON results to build_evidence_pack here. It normalises them into a strongly-typed pack, grades the readiness score (A/B/C/F), and seals the whole thing with a deterministic SHA-256 digest. verify_seal later proves the pack is unchanged; render_markdown turns it into a human-readable compliance report.

Because the seal is deterministic, the same inputs always produce the same digest — so a pack built today and re-sealed next quarter is provably the same pack, or provably not. The two servers stay decoupled: the readiness suite knows nothing about sealing, and this server knows nothing about how the findings were produced — it only folds and certifies them.

Open-core vs premium

The server is open core: building, sealing, verifying, and rendering packs are open source and always available. Higher-tier capabilities that turn a tamper-evident pack into an authenticatable, durably archived artifact are commercial add-ons on the roadmap.

Nothing in the open-source tier is time-limited or feature-gated: the seal and the reports are fully functional today.

Seal vs signature

The seal is an integrity digest, not a cryptographic signature. It proves that a pack has not changed since it was sealed (tamper-evidence); it does not prove who produced the pack (authenticity). Anyone who can build a pack can also compute a valid seal for it, so a seal is a checksum, not a proof of origin.

Authenticity — binding a pack to a specific key — is what sign_pack / verify_pack_signature add on top of the seal: an Ed25519 signature over the pack's canonical bytes attests that the holder of the operator's key produced that content. The seal and the signature are complementary: the seal is integrity, the signature is authenticity. Note that a signature is only as trustworthy as your provenance for the public key — keyless (sigstore) / PKI signing with a verification trust root remains a roadmap item (see ROADMAP.md). If you have configured no signing key, treat a sealed-but-unsigned pack as integrity-checked only: transmit and store it over channels you already trust, and do not represent it as a signed one. See SECURITY.md for the full threat-model note.

When not to use iso20022-evidence-pack-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 the readiness findings themselves. This server certifies results; it does not produce them. Run iso20022-readiness-suite-mcp to score, remediate, and simulate first, then fold its output in here.
• You need keyless / PKI signatures against a public trust root. The seal is a tamper-evidence digest, not a signature (see Seal vs signature). Ed25519 signing with an operator-supplied key ships in v0.0.2 (Signing evidence packs), but keyless (sigstore) / PKI signing with a verification trust root remains on the roadmap.
• You want a zero-dependency network service. The default transport is stdio — one process per operator, launched by the client, no network surface. An optional authenticated HTTP transport (OAuth 2.1 / RFC 9728) ships in v0.0.2 (HTTP transport & authentication) for shared, multi-tenant deployments, but it pulls in extra dependencies and must be explicitly enabled.
• You need streaming responses. Tool calls return whole values, not streams.

Development

iso20022-evidence-pack-mcp uses Poetry and mise.

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

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
make examples     # run every examples/*.py end to end

Security

iso20022-evidence-pack-mcp returns errors as data — every tool catches the documented validation and value errors and returns an {"error": ...} envelope; it never propagates raw exceptions to the MCP client. Over the default stdio transport the server has no network surface, spawns no sub-processes, and parses no XML — its whole attacker-reachable surface is JSON parsed with the standard library and validated against pydantic models. The optional HTTP transport is off by default and, when enabled, refuses to start without OAuth 2.1 (RFC 9728) or a static dev-mode bearer token (see HTTP transport & authentication). The pack seal is a tamper-evidence digest, not a signature; Ed25519 signing (sign_pack) adds authenticity on top (see Seal vs signature). Reporting practice, supported versions, the seal threat-model note, 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 + seal threat model
• SUPPORT.md — how to get help
• ROADMAP.md — what's next (keyless/PKI signing, long-term storage, premium entitlement)
• MAINTAINERS.md — who can merge
• ARCHITECTURE.md — module map, transports, extension points
• RELEASING.md — what merits a release and how one is cut
• docs/adr/ — architecture decision records
• docs/quickstart.md — 10-minute install → first conversation
• docs/evidence-packs.md — the pack schema, the SHA-256 sealing model, Ed25519 signing, and the readiness → evidence pipeline
• docs/transport.md — the optional HTTP transport and OAuth 2.1 (RFC 9728) authentication
• glama.json — Glama directory manifest

MCP Registry

mcp-name: io.github.sebastienrousseau/iso20022-evidence-pack-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 servers of the ISO 20022 MCP Suite and the Model Context Protocol Python SDK.