ISO 20022 Address Intelligence Platform

The Address Resolution Service for ISO 20022 payments

ioNova ARS converts free-text, hybrid or structured payment addresses into ISO 20022-compliant structured output in a single API call — purpose-built for SWIFT CBPR+ and SEPA. One deterministic engine, four components, working in days.

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Self-Serve · Deploys as a sidecar with no core replacement

ioNova ARS converts free-text, hybrid or structured payment addresses into ISO 20022-compliant structured output in a single API call. One deterministic engine, four components — the AI Engine, the Developer Portal, the Exceptions Workbench, and Channels & Integrations.

Deadline: 15 November 2026

SWIFT CBPR+ SR2026 and the EPC 2025 SEPA Rulebook reject cross-border and SEPA payments whose postal address lacks a structured town and country. Rejection happens at the network boundary — and liability lands on the originating institution. More than 60% of cross-border payments still carry unstructured postal addresses (SWIFT, 2026).

The ARS principle

Resolve and fix, not validate and block. Submit any address and receive it back corrected, regulation-aware, and ready to transmit — a complete corrected ISO 20022 message with namespaces preserved — in under 50 milliseconds. No exception queue to staff, no XPath write-back logic to build.

One platform

Four feature components

A single product delivered as four cohesive components that share the same database, the same audit trail, and the same regulatory intelligence.

01 · The engine

ARS AI Engine

The deterministic core: 24 endpoints across 5 layers running a seven-step AutoCorrect pipeline at sub-50ms P95. Same input always produces the same output, every correction traceable to a cited regulatory rule.

Explore the AI Engine

02 · For developers

Developer Portal

The front door for integrators: a five-minute Quick Start, full API reference for all 24 endpoints, authentication, the 30-code reason catalogue, a production-shaped sandbox, and a go-live checklist.

Open the Developer Portal

03 · The UI

Exceptions Workbench

The no-code cockpit for operations, engineering and compliance: role-tuned dashboards, an exception queue with one-click resolution, an AI-assisted Agentic Workbench for ambiguous cases, and a full audit trail.

See the Workbench

04 · Connect your rails

Channels & Integrations

Six native channels (REST, MCP, IBM MQ, Kafka, SFTP, JDBC) plus pre-built connectors for MuleSoft, Volante, Finastra and SWIFT Alliance. Deploys as a sidecar beside your existing infrastructure.

Browse Integrations

Live in days

How onboarding works

You do not wait months to see value — your team is correcting addresses in the sandbox on day one.

Day 1 — Sign up & first correction

Get API keys, open your sandbox, run your first correction.

Day 2 — Connect a channel

REST, IBM MQ or SFTP using a pre-built connector.

3–5

Day 3–5 — Validate & go live

Validate outcomes in the Exceptions Workbench and switch a flow live.

Full enterprise rollout: 2–4 weeks

Enterprise-wide production rollout typically completes in 2–4 weeks, but your team is correcting addresses in the sandbox on day one.

The outcomes

What changes

98%+

Straight-through processing

<$5

Per-exception cost (from $15–40)

30–50×

ROI within 12 months

<50ms

P95 full-pipeline latency

Coverage

246 countries · 41 SEPA · 11+ payment schemes · 25+ ISO 20022 message types.

Performance & scale

Sub-50ms P95 · 1,000+ TPS sustained · 10B+ transactions/year capacity.

Who it's for

Built for four teams

Payments operations

Raise STP and cut manual exception handling.

Compliance & financial crime

Reduce sanctions false positives ~30% with field-level address data.

Engineering

Integrate via API in days with no core replacement.

Treasury & corporates

Fix beneficiary and supplier data at source before it reaches the bank.

FAQ

Frequently asked questions

ARS (Address Resolution Service) converts unstructured or hybrid payment addresses into ISO 20022-compliant structured output in a single API call, purpose-built for SWIFT CBPR+ and SEPA.

The core engine is deterministic — identical input always produces identical output, with every correction tied to a cited regulatory rule. An AI-assisted workbench handles only the small share of genuinely ambiguous cases, with human-in-the-loop review.

You can sign up, get keys and run corrections in the sandbox the same day, and connect a live channel within days. Full enterprise production typically follows in 2–4 weeks.

No. ARS deploys as a sidecar alongside existing infrastructure and connects through standard channels and pre-built middleware connectors.

The deterministic engine resolves about 98% of addresses automatically; the remainder route to the Exceptions Workbench, lifting the combined straight-through rate above 99% while preserving a full deterministic audit trail.

Eliminate rejection risk before 15 November 2026

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