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In addition to account holder verification, Ibantrack may provide optional enrichment data derived from the submitted IBAN. Enrichment is non-blocking and independent from the verification result.
Its availability depends on the IBAN country and the enrichment type.

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What is enrichment?

Enrichment consists of non-sensitive metadata inferred from the IBAN structure, such as:
  • BIC code
  • Bank name
This data helps you:
  • display contextual information to users,
  • improve internal reconciliation,
  • enrich audit logs and reporting.
Enrichment never affects the verification outcome.

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Availability

Enrichment is currently available only for French IBANs (FR). For IBANs outside France:
  • the enrichment object may be absent, or
  • enrichment fields may be returned with a not_applicable status.
This behavior is expected and should be handled gracefully.

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Enrichment object structure

When available, enrichment is returned under the enrichment object: 
{
  "enrichment": {
    "status": "completed",
    "bic_code": {
      "value": "BNPAFRPPXXX",
      "status": "completed"
    },
    "bank_name": {
      "value": "BNP PARIBAS",
      "status": "completed"
    }
  }
}

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Enrichment fields

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BIC code

The bic_code field contains the BIC (Business Identifier Code) associated with the provided IBAN.
  • Derived from authoritative IBAN routing data
  • Provided only when available and applicable
FieldDescription
valueThe BIC code derived from the IBAN
statusThe availability status of the enrichment

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Bank name

The bank_name field contains the name of the financial institution associated with the IBAN.
  • Intended for informational and display purposes
  • Not guaranteed to reflect branding or commercial naming
FieldDescription
valueThe financial institution name
statusThe availability status of the enrichment

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Enrichment status values

Each enrichment field includes a status attribute describing its availability.
StatusMeaning
pendingEnrichment processing is ongoing
completedEnrichment data successfully retrieved
unavailableEnrichment is supported but data could not be retrieved
not_applicableEnrichment is not supported for this IBAN

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Relationship with verification results

Enrichment data is independent from the account holder verification result. For example:
  • a verification may result in match, no_match, or unable_to_verify,
  • while enrichment data may still be completed, unavailable, or omitted.
Clients should not infer verification outcomes from enrichment data.

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Best practices

  • Treat enrichment as supplementary information
  • Do not rely on enrichment availability for business-critical logic
  • Always base verification decisions on:
    • status
    • match_result
    • status_reason

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Future extensions

Additional enrichment attributes and country coverage may be introduced over time. Any changes will be documented and versioned to ensure backward compatibility.