Which documents can be read?

Payment documents: an MT103, its ISO 20022 successor pacs.008, a bank payment confirmation, a transfer receipt from a banking app, or a photograph or screenshot of one. A PDF, a JPEG, a PNG or a plain text message all work. Invoices and transport documents are not read today.

Does the report say whether a document is genuine?

No. It names each check and gives its result, and it says in words what it could not answer. Whether to act on a document is your decision, and the report tells you to confirm any payment with your own bank before you release goods, property or funds.

What happens when a check cannot be answered?

It says so. A photograph of a screen has no file to examine, so the file checks report that rather than guessing. A reference the network has no record of is reported as absent, with the note that a new record can take time to appear and that an absent record is not proof of anything on its own.

What is the correspondent chain check?

A cross-border payment is handed from one bank to the next through correspondent banks. For each hop the report asks whether the sending bank publishes a correspondent account with the next bank in that currency, and whether we have seen that route on other payment documents before. Banks under-publish, so a route we have seen before withdraws the negative rather than adding a positive.

Is anything about my document shown to anyone else?

No. No report ever names another customer, another account, or how many documents resembling yours we have seen. Where a check draws on what we have seen before, it says only that, and nothing that could identify who sent it.

用我们掌握的数据来核对一份付款单据

上传一份 MT103、pacs.008 或银行付款确认书。我们先读出单据上的内容，再把每一项事实与我们为跨境付款保存的参考数据逐一核对：BIC 目录、银行公布的代理行路径以及我们实际观察到的路径、制裁名单，还有付款网络为单据所载参考号保存的记录。

报告会逐项列出每一项核验及其结果。遇到无法给出答案的核验，它会用文字说明，而不是猜测。

报告原样如此

下面是我们引擎生成的报告，其中的银行用示例银行代替了真实银行。报告里的句子是引擎本身的用语，而不是对它的描述。

示例报告 Consistent with SWIFT records Read as a SWIFT customer credit transfer (an MT103, or its ISO 20022 successor, pacs.008).

核验项

通过. Read as a whole, the layout and wording of the document match ordinary bank or SWIFT output.
通过. The document carries a UETR.
通过. The UETR has the structure of a reference SWIFT issues.
通过. The SWIFT gpi tracker holds a record for this UETR.
通过. The amount on the document matches the amount the SWIFT gpi record holds for this UETR.
通过. Every bank code on the document matches a bank in the SWIFT directory.
无发现. No wording pattern known from non-genuine documents matched. This is not a positive finding.
通过. The sender and receiver in the message header agree with the banks in fields 52A and 57A.
通过. Every account on the document in the form of an IBAN passes the IBAN checksum.
通过. Field 32A has the form SWIFT requires: a six-digit date, a currency code and an amount.
无发现. No command-prompt or menu text was found. This is not a positive finding.
无发现. No template text was found in the party and account fields. This is not a positive finding.

代理行链路

SAMPLE SENDING BANK (BANKDEFF) publishes SAMPLE BENEFICIARY BANK (BANKUS33) as a correspondent for USD.

制裁

Sanctions screening is reported beside this result and never changes it. It covers only the names read off the document.

这意味着什么

This says the document is internally consistent and agrees with the records we can see. It is not confirmation that a payment was made or that money arrived. We are not a bank and we are not a party to this payment. Confirm any payment with your own bank before you release goods, property or funds.

The checks available line up with a real payment, but still confirm receipt with your own bank before you release goods, property, or funds.

This is an informational consistency check against SWIFT/GPI records, not legal advice. Confirm any payment directly with your own bank before you release goods, property, or funds.

每一项核验依据什么

一份单据本身只能与它自己核对。以下是我们本来就为跨境付款保存的外部事实，以及每一项能就一份单据说清什么。

BIC 目录。 每一个有效的银行代码，它的状态、所属国家，以及目录为它给出的城市。单据上的代码要么对应一家银行，要么不对应，报告会说明是哪一种。
银行自行公布的代理行路径。 结算指令是按币种分别报备的，因此每一段要问的是：汇出行是否在单据所示币种下公布了与下一家银行的代理行账户。我们的代理行数据
我们实际观察到的代理行路径。 银行公布得不够全，而从未报备的指令看起来与根本不存在的关系一模一样。因此同一段路径还会与我们自 2025 年 12 月以来在其他付款单据上见过的路径核对。见过的路径会撤回这个否定结论，但它从不添加肯定结论，因为照抄一条路径是世上最容易的事。
付款网络记录。 若单据载有 UETR，该参考号会在网络上查询，并把单据上的金额与记录所载金额比对。没有记录会如实报告为没有记录，并注明新记录出现可能需要时间。
制裁名单。 从单据上读取的各方名称会被筛查，可能的命中会与结果并列报告，而不是并入结果。仅凭名称相似并不意味着某一方受到制裁。我们的制裁筛查
单据自身的结构。 IBAN 形式的账号有校验位，要么通得过，要么通不过。MT 报文头要么与它自己字段中所列的银行一致，要么不一致。32A 字段要么具备报文标准所要求的格式，要么不具备。
文件本身，如果存在的话。 原生数字的 PDF 会带有生成它的工具以及创建与修改日期。银行的模板生成工具我们都认得，不会被读作改动。照片或屏幕截图没有这样的文件，报告会直接说明这一点，而不是给它打分。

报告不会说的话

它不会告诉你一份单据是伪造的。它只列出没有对上的核验项，把判断留在它该在的地方：你和你的银行。
它不会告诉你钱已到账。我们不是银行，也不是你这笔付款的当事方。每份报告的结尾都会提醒你，在放货、交付财物或放款之前，先向自己的银行确认。
它不会对跑不了的核验项作猜测。没有答案的核验会用明白话报告为没有答案，而没有发现任何问题也绝不会被包装成结果干净。
它不会提到任何别人。任何报告都不会提到另一位客户、另一个账户，或者我们见过多少份与你类似的单据。

核验一份单据阅读器在应用内，因此会先请你创建一个账户。我们是谁、由谁在做这件事，都写在我们的关于我们页面.

常见问题

可以读哪些单据？

付款单据：MT103、它的 ISO 20022 后继报文 pacs.008、银行付款确认书、银行应用里的转账凭证，或者其中任何一种的照片或屏幕截图。PDF、JPEG、PNG 或纯文本报文都可以。发票与运输单据目前不读。

报告会说明一份单据是否真实吗？

不会。它逐项列出每一项核验及其结果，并用文字说明它无法回答的部分。是否据此行动由你决定，报告也会提醒你在放货、交付财物或放款之前，先向自己的银行确认任何一笔付款。

无法回答某项核验时会怎样？

它会直说。屏幕照片没有可供检查的文件，所以文件类核验会如实报告这一点，而不是猜测。网络没有记录的参考号会报告为没有记录，并注明新记录出现可能需要时间，以及没有记录本身并不证明任何事。

代理行链路核验是什么？

跨境付款经由代理行从一家银行传到下一家。报告会就每一段询问：汇出行是否在该币种下公布了与下一家银行的代理行账户，以及我们是否在其他付款单据上见过这条路径。银行公布得不够全，所以见过的路径只是撤回否定结论，而不是添加肯定结论。

我的单据会有任何内容被展示给别人吗？

不会。任何报告都绝不会提到另一位客户、另一个账户，或者我们见过多少份与你相似的单据。当某项核验依据的是我们以前见过的内容时，它只说这一点，绝不说任何能看出是谁发来的信息。