address-forge

ISO 20022 structured address cleansing & validation for SWIFT SR 2026 compliance.

A developer tool that converts free-text postal addresses into PostalAddress24-compliant structured format and validates them against SWIFT's November 2026 rejection rules.

Shipped: CLI. A REST API and web UI are designed but not built yet — see Status.

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Why this exists

SWIFT's SR 2026 update (effective November 2026) will reject any cross-border MX message that contains only an unstructured postal address. Every party and agent block must use structured or hybrid address format, with TownName and Country as mandatory fields.

Every bank, payment processor, corporate treasury, and fintech using FINplus for cross-border payments has to solve this. Mid-tier institutions have no affordable tool. The current options are manual remediation, expensive vendor projects, or one-off internal scripts.

address-forge is the missing open-source layer.

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What it does

Parse & convert

• Input: free-text address string, JSON object, or CSV bulk upload
• Output: valid PostalAddress24 XML block + JSON equivalent, with per-field confidence scores

Validate against SR 2026 rules

• Flags addresses using only free-text lines (will be rejected post-November 2026)
• Confirms TownName and Country are present and correctly structured
• Generates SWIFT-style validation error codes mirroring FINplus error messages

Remediation reporting

• Bulk analysis: "47 of 1,200 addresses will be rejected — here are the corrections"
• Export corrected records to CSV or JSON

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Quick start

CLI (shipped)

pip install address-forge

# Single address
address-forge convert "221B Baker Street, London, NW1 6XE, United Kingdom"

# Bulk CSV
address-forge validate --input addresses.csv --output report.json

Status

Surface	State
CLI (address-forge convert / validate / validate-csv / countries)	Shipped. See address_forge/cli.py.
REST API	Not built. fastapi/uvicorn are declared as optional dependencies in pyproject.toml for the planned service, but no server module exists in this repo yet. The example below is the target shape, not a working endpoint.
Web sandbox	Not built. No hosted sandbox exists at this time.

Planned REST API shape (target, not yet implemented):

# NOT YET IMPLEMENTED
docker run -p 8080:8080 postoaklabs/address-forge

curl -X POST http://localhost:8080/v1/convert \
  -H "Content-Type: application/json" \
  -d '{"address": "221B Baker Street, London, NW1 6XE, United Kingdom"}'

Target response shape:

{
  "PostalAddress24": {
    "StrtNm": "Baker Street",
    "BldgNb": "221B",
    "TwnNm": "London",
    "PstCd": "NW1 6XE",
    "Ctry": "GB"
  },
  "confidence": {
    "StrtNm": 0.98,
    "BldgNb": 0.99,
    "TwnNm": 0.99,
    "PstCd": 0.97,
    "Ctry": 1.0
  },
  "sr2026_compliant": true,
  "validation_errors": []
}

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PostalAddress24 field mapping

ISO 20022 Field	Description	SR 2026 Mandatory
StrtNm	Street name	No
BldgNb	Building number	No
BldgNm	Building name	No
Flr	Floor	No
PstBx	PO Box	No
PstCd	Post code	No
TwnNm	Town name	Yes
TwnLctnNm	Town location name	No
DstrctNm	District name	No
CtrySubDvsn	Country subdivision	No
Ctry	Country (ISO 3166-1 alpha-2)	Yes
AdrLine	Unstructured line (max 2, flagged)	Deprecated

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SR 2026 validation error codes

address-forge generates validation errors in SWIFT FINplus format so they can be surfaced directly in your existing message validation pipeline:

Code	Meaning
T9351	Unstructured address only — TownName missing
T9352	Country code missing or invalid
T9353	AdrLine count exceeds SR 2026 limit
T9354	Hybrid address missing mandatory structured fields

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Roadmap

• Single address conversion (CLI)
• SR 2026 field validation (CLI)
• Bulk CSV processing (CLI)
• SWIFT FINplus error code output (CLI, codes T9351–T9354)
• REST API (no server module in this repo yet — fastapi/uvicorn are declared but unused)
• Web sandbox UI
• Address deduplication & normalisation across bulk uploads
• Country-specific postal format rules (UK, US, DE, FR, JP, AU)
• Integration plugin for Finastra, Temenos, Form3

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Contributing

Pull requests are welcome. If you're a payment operations engineer, compliance analyst, or fintech developer working on SR 2026 remediation, your real-world address edge cases are invaluable — please open an issue.

See CONTRIBUTING.md for setup instructions.

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License

MIT License. See LICENSE.

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About PostOakLabs

PostOakLabs builds open-source developer tooling at the intersection of ISO 20022, tokenized assets, and A2A payments. See also:

• iso20022-token-bridge — ISO 20022 ↔ tokenized MMF middleware
• a2a-iso-gateway — Open banking A2A → ISO 20022 translator
• mmf-token-sandbox — Tokenized MMF developer playground