# io.tooloracle/iso20022oracle (remote · tooloracle.io)

ISO20022Oracle - 12 ISO 20022 tools: pacs/pain/camt parsing, MX validation, MT migration.

- Trust score: 65/100 (medium)
- Change this week: +5
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `tooloracle.io`: 65/100 (this document), [markdown](https://verifymcp.io/servers/io-tooloracle-iso20022oracle/iso20022-mcp.md), [page](https://verifymcp.io/servers/io-tooloracle-iso20022oracle/iso20022-mcp)

## Channel facts

- Endpoint: `https://tooloracle.io/iso20022/mcp/`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Endpoint Security**: 66/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 12 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC is configured correctly; the domain's records validate against the full chain to the root.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 70/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 890 tokens (~74/item across 12 items; 12 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 86/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 57% of tool parameters carry a description.
- **Capabilities**: 40/100
  - Spec-recency check failed: implements MCP spec 2025-03-26; the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http io-tooloracle-iso20022oracle https://tooloracle.io/iso20022/mcp/
```

### Codex

```toml
[mcp_servers.io-tooloracle-iso20022oracle]
url = "https://tooloracle.io/iso20022/mcp/"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "io-tooloracle-iso20022oracle": {
      "type": "remote",
      "url": "https://tooloracle.io/iso20022/mcp/",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add io-tooloracle-iso20022oracle --url https://tooloracle.io/iso20022/mcp/ --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  io-tooloracle-iso20022oracle:
    url: "https://tooloracle.io/iso20022/mcp/"
```

### Other

```json
{
  "mcpServers": {
    "io-tooloracle-iso20022oracle": {
      "type": "http",
      "url": "https://tooloracle.io/iso20022/mcp/"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-03 (score 65, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 64, +2)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 62, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-28 (score 61, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 60, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-26 (score 59)

First indexed and scored.

## MCP tools (12)

### `validate_message` (~111 tokens)

Validate an ISO 20022 XML message (pacs.008, camt.053, pain.001, etc.) for schema compliance, required fields, and Nov 2026 structured address deadline. Provide 'xml' for full validation or 'message_type' for schema info.

Input parameters:

- `message_type` (string): Message type for schema info (e.g. pacs.008, camt.053, pain.001)
- `xml` (string): Raw ISO 20022 XML message to validate

### `check_structured_address` (~100 tokens)

Check if postal address data meets SWIFT/SEPA/CHAPS structured address requirements (Nov 2026 deadline). Provide address as object with StrtNm, BldgNb, PstCd, TwnNm, Ctry fields.

Input parameters:

- `address` (required): Address as object {StrtNm, BldgNb, PstCd, TwnNm, CtrySubDvsn, Ctry} or free-text string

### `dti_lookup` (~88 tokens)

Look up Digital Token Identifier (ISO 24165/DTI) for stablecoins and crypto assets. Returns DTI code, ISIN mapping, networks, MiCA status, and how to reference in ISO 20022 messages.

Input parameters:

- `symbol` (string): Token symbol (USDC, USDT, EURC, RLUSD, DAI, XRP, XLM, PYUSD)

### `generate_pacs008` (~137 tokens)

Generate a pacs.008 (FI to FI Customer Credit Transfer) ISO 20022 XML message skeleton. Optionally include stablecoin settlement reference with DTI.

Input parameters:

- `amount` (string)
- `creditor_bic` (string)
- `creditor_name` (string)
- `currency` (string)
- `debtor_bic` (string)
- `debtor_name` (string)
- `settlement_method` (string): CLRG (default), INGA (on-chain), INDA
- `stablecoin` (string): Optional: USDC, RLUSD, EURC etc. for on-chain settlement ref

### `travel_rule_check` (~81 tokens)

Check FATF Travel Rule compliance for a payment. Validates originator/beneficiary data requirements against ISO 20022 field mappings.

Input parameters:

- `amount` (number, required)
- `beneficiary` (object): Object with name, account, bic
- `currency` (string)
- `originator` (object): Object with name, address, account, bic

### `stablecoin_iso_profile` (~71 tokens)

Get complete ISO 20022 integration profile for a stablecoin: DTI, message references, settlement networks, MiCA status, XRPL details, live peg data.

Input parameters:

- `symbol` (string, required): Token symbol (USDC, RLUSD, EURC, USDT, DAI, PYUSD)

### `mica_cross_check` (~54 tokens)

Cross-check: Can this stablecoin be legally used in EU ISO 20022 payment flows after MiCA enforcement? Returns PASS/WARN/BLOCK verdict with reasoning.

Input parameters:

- `symbol` (string, required): Stablecoin symbol to check

### `sanctions_screen_iso` (~72 tokens)

Screen originator/beneficiary data from ISO 20022 messages against sanctions lists (EU, OFAC, UN). Cross-references with FeedOracle AMLOracle.

Input parameters:

- `bic` (string)
- `country` (string): ISO 3166-1 alpha-2
- `name` (string)

### `message_convert_check` (~66 tokens)

Check MT→MX migration status for a SWIFT legacy message type. Returns ISO 20022 equivalent, complexity, deadlines, and stablecoin advantages.

Input parameters:

- `mt_type` (string, required): Legacy SWIFT message type (MT103, MT202, MT940, MT950, etc.)

### `swift_deadlines` (~41 tokens)

Get all SWIFT/ISO 20022 compliance deadlines with urgency levels, days remaining, and recommendations. Covers MT retirement, structured addresses, MiCA enforcement.

### `message_catalog` (~52 tokens)

List all ISO 20022 message types relevant to stablecoin/crypto payments with required fields and stablecoin-specific extensions.

Input parameters:

- `domain` (string): Filter by domain: payments, cash_management, payments_initiation

### `health_check` (~17 tokens)

ISO20022Oracle health and status check.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/io-tooloracle-iso20022oracle/iso20022-mcp#diagnostics

## Score history

- 2026-08-03: 65
- 2026-08-02: 64
- 2026-08-01: 64
- 2026-07-31: 64
- 2026-07-30: 62
- 2026-07-29: 61
- 2026-07-28: 61
- 2026-07-27: 60
- 2026-07-26: 59

## Links

- Remote endpoint: https://tooloracle.io/iso20022/mcp/
- Repository: https://github.com/ToolOracle/iso20022oracle
- Changelog RSS feed: https://verifymcp.io/servers/io-tooloracle-iso20022oracle/iso20022-mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/io-tooloracle-iso20022oracle/iso20022-mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/io-tooloracle-iso20022oracle/iso20022-mcp