Not a bank. No funds moved. We never ask for bank logins or API keys on this website. Pre-validation only — a signal, not a verdict.
Fluid Banking · ISO 20022 navigator
Know your payment's fate before the money moves.
ODG-PASS is a technological navigator, not a bank. It pre-validates ISO 20022 payments and GCC e-invoices, so you avoid blocks, returns and bank repair fees — and no funds are ever touched.
Think of it as a pre-flight check for your payment — the plane doesn't leave until someone says «looks good». (Banks don't like surprises either.)
Payment check — works nowPlain-language results · 🟢🟡🔴
AI helps read and explain. The final XML is deterministic code — not model guesswork.
①
Fill in or upload
Payment details or invoice PDF — in your browser.
②
We check the standards
ISO 20022 / UBL rules — you see 🟢 🟡 or 🔴 in plain language.
③
You decide
Fix what's flagged, export clean XML, send through your bank. We never move money.
Philosophy · Fluid Banking
A navigator between you and the financial protocols
We remove the friction between business and banking standards — making cross-border payments predictable, transparent and error-free. ODG-PASS is an infrastructural adapter, not a financial institution.
🧭
Navigator, not a bank
We don't accept, hold or move funds, and we don't access bank accounts. Money stays inside commercial banks; we work the information layer.
⚡
Predictable
Know the outcome of a payment before it leaves the account — no surprises, no guesswork.
🔬
A sanitary filter for data
Clean, structured, standard-compliant messages out — malformed, ambiguous data caught in.
Pre-Flight Check · Oracle of Transactions
A report on the payment's fate — before money leaves
The core engine inspects each payment up front, so you avoid blocks, returns and the costly repair fees banks charge for malformed MX messages.
🛰️
Route & format
Analyses the route and catches MT/MX format errors, IBAN/BIC issues and unstructured addresses (the CBPR+ killers).
🛡️
Sanctions & blacklists
Names and countries screened before the payment is sent — clear or flagged, you see it first.
💸
No repair fees
Stop rejects and returns at the source. Every result is stamped funds_moved: false.
Smart Remittance Mapping
Type the purpose in plain words — get the right ISO 20022 code
The AI engine reads your free-text description (the old field-70 habit), proposes the correct Purpose Code, you confirm, and the XML keeps both your words and the structured code.
Codes are validated against the full open ISO 20022 ExternalPurposeCode list embedded in the core — no keys, no fees. Human-in-the-loop: the AI proposes, you always confirm.
Validate payment requisites right on the site — runs automatically, no login and no keys.
Live now
Mode 2 · Bank staff
Deeper check — by invitation only
For bank employees: the validator highlights issues in plain language. No API keys on this public website — bank onboarding is arranged separately. Signal only, not a block.
By invitation · no keys on site
AI Auditor · Dialogue Architecture
A guide, not a barrier
The Auditor is proactive — instead of a dry rejection it says "I see an issue, here's option A or B." It takes text, files and voice, cites only official sources, and escalates to a human expert for non-standard cases.
Target architecture: information layer localised in-country; money stays in banks. Validated step by step with regulators — Stage 2–3, not required for today's payment check.
Stage 1 · Technical
Independent validator
Pre-validation, pacs.008, AI Auditor — works now.
Stage 2 · Regulatory
Regulatory sandbox
Legitimise the standard with regulators.
Stage 3 · Licensed
Financial hub
Tax and payment reporting under proper licences.
Contact
Testing with us?
Questions, issues or suggestions — we adjust as we go. Testing phase: no pricing here, tariffs are agreed separately.