Factline KYC, KYB and agent payments

Use when a supplier (or someone posing as one) asks to change bank details or pay to a new account, the biggest single loss in accounts payable. Send text (the whole email with its From: line), or sender and iban; add website (the supplier's real domain), known_iban (the account you pay now) and name plus country to also run the supplier invoice check. The text is not stored. Input: text, or sender + iban; website, known_iban, name, country. Costs 0.06 USDC via x402, or 30 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use when a Chinese supplier sends a photo of its business licence (营业执照), e.g. on Alibaba or 1688: reads the fields, validates the USCC checksum, flags an address province that differs from the code (edited licence) or a name that differs from your invoice, then screens the Chinese and English names against sanctions, the Entity List and UFLPA. Image not stored. Input: image_url, optional invoice_name. Costs 0.06 USDC via x402, or 30 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use this when the counterparty is a Chinese supplier you are about to pay or import from: checks the 18-character Unified Social Credit Code (checksum, authority, entity type, province; Xinjiang flagged) and screens the company against EU, UN, UK and US OFAC sanctions, BIS Entity List, Military End User list and DHS UFLPA list. Verdict pass, review or block_review with reasons. Does not query the Chinese register (GSXT). Input: name, uscc. Costs 0.03 USDC via x402, or 15 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use this when you need full due diligence on a European company before a deal or large payment, beyond an existence check: registers in 10 countries plus GLEIF, directors, owners and parents screened for sanctions and PEP, VAT, Peppol, website, plus financial health (accounts on time, size, turnover, insolvency in GB, FR, NO, FI, NL). One verdict and a cite_as line. Input: name or id, best with country. Costs 0.15 USDC via x402, or 75 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use to check if a European company is healthy before you deal with it: UK accounts overdue, size band and insolvency history; French headcount, turnover, net result and BODACC insolvency; Norwegian employees, bankruptcy, winding-up and filed accounts; Finnish bankruptcy and restructuring; Dutch insolvency with a KvK number. Verdict healthy, watch, distressed or limited_data. Costs 0.02 USDC via x402, or 10 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use this when you only need to confirm a company exists and is active (the cheap first step before a dossier): registers GLEIF (worldwide), UK Companies House, Ireland CRO, Estonia, Belgium KBO, France SIRENE, Norway, Finland, Czechia, Slovakia and Poland (with bank accounts). Returns legal name, status, registry id, legal form, address, founding date and parent companies (GLEIF). Search by name or id. Costs 0.008 USDC via x402, or 4 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use when you need to judge whether a website or email domain is trustworthy: registration date and domain age (RDAP), expiry, registrar, nameservers, email setup (MX, SPF, DMARC), disposable-email domains, and a low/medium/high risk with flags such as 'registered 4 days ago', a common sign of scam shops. Accepts a domain, URL or email. Costs 0.003 USDC via x402, or 2 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use when you need to know if an email address is real and deliverable before signup, outreach or onboarding: syntax, live MX routing, 9,000+ disposable domains, role addresses, free providers, typo suggestions (gmial.com to gmail.com) and SPF/DMARC. One verdict: deliverable, risky or undeliverable. Costs 0.002 USDC via x402, or 1 credit of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use before onboarding, paying or contracting a European company: finds it in 10 official registers (GLEIF, UK, IE, FR, NO, FI, CZ, SK, EE, PL), screens it, its directors, owners and parent companies against EU, UN, UK and US sanctions and PEP, checks VAT and Peppol, flags new websites and Dutch bankruptcies. One verdict: pass, review, block_review or incomplete. Input: name or id, best with country; optional vat, domain, kvk. Costs 0.05 USDC via x402, or 25 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use when you need to check an EU EORI customs number: live validation in the European Commission's EORI service, registered and valid or not, with the trader's name and address when published. All EU member states; GB numbers are not covered. Costs 0.003 USDC via x402, or 2 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Free. Use when the user needs an official euro exchange rate or a conversion for an invoice, contract or report: ECB euro reference rates (about 30 currencies), today or any working day in the last 90 days, with cross rates. Input: base (default EUR), symbols (e.g. USD,GBP), optional date YYYY-MM-DD and amount.

Use before importing a product into the EU: checks the HS/CN code against CBAM Annex I and EUDR Annex I and says which applies, from when, and what the importer must do (CBAM declarant status and emissions data; EUDR due diligence statement with plot geolocation). No code? Send product and the likely 6-digit HS code is suggested (and marked as a suggestion). Input: hs or product, optional origin (ISO country) and tonnes_per_year. Costs 0.01 USDC via x402, or 5 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Free. Use when the user cites an EU regulation, directive or decision and you need its official title, date, whether it is still in force, and the EUR-Lex link to cite: by CELEX number (e.g. 32016R0679) or citation (e.g. Regulation (EU) 2016/679, Directive 2015/849).

Use when screening a list of people or companies at once (up to 25 per call, 0.0012 USDC per name) against the EU, UN, UK and US OFAC sanctions lists. Fuzzy matching; per name a possible-match flag, top score and up to 3 scored matches with their lists. For customer bases, payouts and vendor lists. Costs 0.03 USDC via x402, or 15 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use when you must check whether a person or company is under sanctions: screens the name against the EU, UN, UK and US OFAC lists (25,000+ persons, companies and vessels with aliases, refreshed weekly). Fuzzy matching handles spelling, transliteration and word order; returns scored possible matches with lists, references and birth dates. Costs 0.005 USDC via x402, or 3 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use before sending crypto to an address, or when asked if a wallet is sanctioned: checks Bitcoin, Ethereum/EVM, Tron, USDT, Litecoin, Monero and other addresses against the wallets on the US OFAC SDN list, refreshed weekly. Returns sanctioned true/false, currency, listed entity and programme. Costs 0.003 USDC via x402, or 2 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use when the user looks for public contracts to bid on: open tenders from TED, the EU's official journal, by country, CPV code, keywords, deadline and minimum value, with English titles, buyer, deadline and value. For the Netherlands it adds national below-threshold tenders from TenderNed, which TED does not have. Costs 0.005 USDC via x402, or 3 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use when the user gives an EU VAT number and you need to know if it is valid: live check in the European Commission's VIES service for all 27 member states plus Northern Ireland, with the registered company name and address where shared. Input: VAT number with country prefix, e.g. IE6388047V. Costs 0.003 USDC via x402, or 2 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Free. Use when the user has a supplier's EUDR plot file for a due diligence statement (from 30 Dec 2026): checks [longitude, latitude] order, at least 6 decimals, a point only for plots up to 4 ha, closed and non-crossing polygons, plots inside the country of production, area per plot. Returns looks_valid, check_warnings or fix_needed. Input: geojson (the file as text), optional country (ISO) and commodity.

Free. Use when Factline's free calls for today are used up or the user wants more paid checks without a crypto wallet. Without an email it returns a starter key at once (100 credits, 14 days, no human step). With the user's work email it returns a trial key (2,000 credits a month, one per email); send email plus api_key to upgrade a starter key. Ask the user for the email; never invent one.

Use when you need to check an IBAN before a payout or invoice: length per country, mod-97 checksum (catches typos), SEPA membership, and for Dutch IBANs the bank (ING, ABN AMRO, Rabobank, bunq...). Does not confirm the account holder. Costs 0.001 USDC via x402, or 1 credit of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use this when onboarding a new customer, seller or business and you want one pass/review answer on the name plus their email, phone and VAT, not a company deep-dive: screens the name against EU, UN, UK and US sanctions and the PEP list, verifies email and phone, and checks an EU VAT number in VIES, all in parallel, with one verdict: pass, review, block_review or incomplete. Send any of name, email, phone, vat. Costs 0.01 USDC via x402, or 5 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use right before an agent pays a payee it has not paid before: the reverse of the know-your-agent checks merchants run on agents. Send url (webshop or x402 endpoint), wallet (x402 payTo) or iban with name and country (a company); kind=shop|x402|company forces the route. Input: url, wallet or iban + name + country. Costs 0.03 USDC via x402, or 15 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Free. Use before connecting to or installing an MCP server you have not used before, or to re-check one: connects once (no tool is called), scans tool descriptions for prompt-injection wording and invisible characters, lists tools that write, send, pay or run commands, checks the domain and publisher, and returns tools_sha256 (send it next time to catch a changed tool list). Decision allow, review or deny. Input: url, optional tools_sha256.

Use when you need to know if a Dutch company is bankrupt or in suspension of payments: live check in the Centraal Insolventieregister (Rechtspraak) with active and ended cases, court, case number, dates, administrator and claims deadline. Legal entities only. Input: KvK number or company name. Costs 0.01 USDC via x402, or 5 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Free. Use before a payment run is sent to the bank: give the payment file as text (SEPA pain.001 XML or CSV with payee name and IBAN) and, best, last run's file or a vendor list as previous. Each line gets release, review or hold: invalid or changed IBAN, a payee name that imitates a known supplier, one IBAN under two names, new payee, duplicate, possible sanctions match. Up to 25 payments here; 100 with an API key over HTTP.

Use when screening a list of up to 25 names for politically exposed persons in one call (0.0012 USDC per name): top 3 possible matches per name with positions and status. For customer-base and CRM re-screening. Costs 0.03 USDC via x402, or 15 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use when you must check whether a person is a politically exposed person (PEP) for AML/KYC: heads of state and government, ministers of every country, central bank governors, MEPs and national MPs of the EU, EEA, UK, US and Switzerland, current or former (default 5 years). Fuzzy matching with positions, country and dates. Pairs with sanctions screening. Costs 0.005 USDC via x402, or 3 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use when you need to send an e-invoice or check if a company can receive one: looks the company up in the Peppol Directory by VAT number, company number (Belgian KBO, French SIREN, Dutch KvK...) or name, and returns its Peppol participant ids and accepted documents (invoice, credit note, self-billing, orders). Belgium requires Peppol B2B e-invoicing since 2026; France requires e-invoice receipt from 2026-09. Costs 0.003 USDC via x402, or 2 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use when you need to check a phone number from any country: valid and possible against allocated ranges, E.164 and national format, country, and line type (mobile, landline, VoIP, toll-free, premium) with an SMS-capable hint. National numbers need a country, e.g. 0612345678 with country=NL. Costs 0.003 USDC via x402, or 2 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use when a crypto service sends to or receives from a self-hosted wallet and must document its checks (EU AMLR, Travel Rule files): screens the wallet against OFAC-listed addresses, the claimed owner against EU, UN, UK and US sanctions and PEP, and checks the company register for businesses. Returns no_hits, review or block_review with list versions and a signed receipt. Input: wallet, owner, optional owner_type, birth_year, country. Costs 0.02 USDC via x402, or 10 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Free. Use before onboarding or paying a supplier that has a website: reads https://<domain>/.well-known/supplier.json (spec factline.dev/supplier-json), checks its VAT number in VIES and company number in the register against the name, and with iban says whether that IBAN is one of the supplier's own hashed accounts. Returns verified, review, invalid_card or no_card. Input: domain, optional iban.

Use before an agent pays a supplier invoice: supplier in official registers; company, directors, owners and parents screened (EU, UN, UK, US sanctions, PEP); VAT match; IBAN valid, same country, on the Polish whitelist; sender email; Dutch bankruptcy; Peppol. With known_iban, a different bank account than the one on file puts it on hold. Verdict: pass, review or hold. Costs 0.08 USDC via x402, or 40 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use before onboarding or paying a new supplier that may be fake (real registration, good website). Compares company and website age, tests the sender domain for a lookalike of the website, checks UK director identity verification and virtual-office addresses, and runs the company check (sanctions, PEP, VAT). Input: name or id with country, domain (website), email (sender). Costs 0.06 USDC via x402, or 30 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use to verify a US listed company or SEC registrant: finds it by name, ticker or CIK and returns its SEC record (legal name, former names, tickers and exchanges, EIN, state of incorporation, industry code, business address, latest 10-K/20-F and 10-Q dates). Private US companies are not in EDGAR. Input: name, ticker or cik. Costs 0.01 USDC via x402, or 5 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use before buying from, selling to or shipping to a company, above all a Chinese or Russian one: screens the name against the US Consolidated Screening List (Commerce, State and Treasury export-control lists, without the SDN list, which the sanctions screen covers) and the DHS UFLPA Entity List (forced-labour import ban). These restrict trade, they are not asset freezes. Input: name, optional type (entity or person), threshold. Costs 0.005 USDC via x402, or 3 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Use for ongoing monitoring: the user wants to be told later or must show screening keeps running. Watches one item for 30 days, paid once, no account. kind=sanctions (a name, re-screened when EU, UN, UK or US lists change), company (COUNTRY:name or number, register checked daily) or apk (Dutch plate, daily). Alerts go to the webhook and /v1/watch/alerts with the returned token. Input: kind, value, optional webhook, label. Costs 0.05 USDC via x402, or 25 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Free. Use at the start of a session or on a schedule when the user has Factline watches (from watch_30_days or a key): lists the watches and any alerts (a new sanctions match, a company status, name or address change, APK or recall change). Input: token (wt_..., returned by watch_30_days) or api_key, optional since (YYYY-MM-DD).

Free. Use before a shopping agent or the user pays an unfamiliar webshop: domain age, company and VAT number on the site (VAT checked in VIES), contact page, payment methods, prepayment-only or crypto-only, 70-99% discount lures. Returns looks_ok, caution or avoid and decision allow, review or deny. Input: url.

Free. Use right before paying an x402 seller: screens the payTo wallet against the OFAC list, checks that payTo is a wallet this seller lists in the x402 Bazaar or Circle catalogue (catches a swapped or injected payTo), looks up the seller's payer history, age and uptime, and checks the amount against the seller's listed price and your budget. Returns allow, review or deny with reasons and a signed verdict. Input: url of the resource, pay_to from its 402, optional amount_usd, max_usd, network, mode (strict: deny instead of review on a wallet mismatch or missing pay_to).

Use before an agent pays an x402 endpoint it has not used before: reads the seller's own 402 challenge, screens every payTo wallet against the OFAC list, checks the domain (age, setup), Factline's daily uptime probes and, with company, the register record and EU/UN/UK/US sanctions. Returns allow, review or deny, plus a trust-provider block (decision, score, evidence, ttl). Input: url, optional wallet, company, country. Costs 0.01 USDC via x402, or 5 credits of a Factline API key. The first 5 paid-tool calls a day are free, no payment or key needed.

Free. Use when looking for an x402 API to pay for a task, or to see if a seller is used and up: sellers from the Coinbase x402 Bazaar ranked by unique payers (30 days), with Factline's daily check that their endpoints answer a valid 402, speed and networks. q is one word to filter (sanctions, weather) or plain words for what you need (an API for flight prices).