{
      "name": "cross-border-payment-prevalidation",
      "domain": "Cross-Border & Instant Payments",
      "title": "Cross-Border Payment Pre-Validation",
      "spec_version": "0.8.0",
      "wave": 41,
      "description": "Gated two-step chain for CBPR+ payment pre-validation. Step 1 checks whether a purpose code is mandatory for the beneficiary jurisdiction (UAE, India, Bahrain, Jordan, China, Malaysia per BIS CPMI d218) and whether SwiftGo eligibility conditions are met. Step 2 runs aggregate pre-validation (IBAN mod-97, BIC format, LEI format, UETR UUIDv4, PostalAddress24 structure) and emits a /ready boolean. Gate on /ready: both branches terminate, recording in decisions[] which path was taken. ready=true = STP-eligible; ready=false = remediation required. ZERO PII BY CONSTRUCTION.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/cross-border-payment-prevalidation.html",
      "regulatory_refs": [
        "SWIFT CBPR+ Structured Address Migration Bulletin (deadline 14 Nov 2026)",
        "BIS CPMI d218 country payment profiles",
        "SWIFT SwiftGo eligibility rules",
        "ISO 13616:2020 IBAN",
        "ISO 9362:2022 BIC",
        "ISO 17442:2020 LEI",
        "ISO 20022 pacs.008.001.10"
      ],
      "steps": [
        {
          "tool_id": "art-243-purpose-code-requirement-checker",
          "handoff": "Jurisdiction purpose code requirement and SwiftGo eligibility. Passes to aggregate pre-validation."
        },
        {
          "tool_id": "art-247-prevalidation-readiness-scorer",
          "handoff": "Aggregate /ready boolean and per-check detail. Gate: ready=true exits STP-eligible; ready=false exits requiring remediation.",
          "gate": {
            "input": "/ready",
            "rules": [
              {
                "op": "eq",
                "value": true,
                "next": "end"
              }
            ],
            "default": "end"
          }
        }
      ]
    }