Identify an account

Resolve a bank or wallet identifier to the institution behind it, the rails that can reach it, and — on supported rails — the holder name. Charged on an identified outcome. Promo credits cover first calls; there is no complimentary test lane.

POST /v1/identify

cURL

institution

curl --request POST \
  --url https://api.usepatchwork.co/v1/identify \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "rail": "routing_number",
  "code": "021000021"
}
'

200

institution

{
  "status": "success",
  "data": {
    "result": "identified",
    "rail": "routing_number",
    "country": "US",
    "institution": {
      "name": "JPMorgan Chase Bank",
      "type": "bank",
      "code": "021000021",
      "address": {
        "city": "Tampa",
        "country": "US"
      }
    },
    "reachable_rails": [
      "ach",
      "wire",
      "rtp"
    ],
    "identified_at": "2026-08-02T12:00:00Z"
  }
}

Authorizations

Authorization · string · header · required

Identify accepts a workspace API key (sk_…). Loom accepts either a short-lived session token (direct) or a workspace API key (relay).

Body

application/json

rail · enum<string> · required

Kind of identifier to resolve.

Available options: swift, iban, routing_number, sort_code, ifsc, nuban, momo, gh_bank

code · string · required

The identifier — ABA routing number, IBAN, sort code, SWIFT/BIC, and so on.

account_number · string

Account or wallet number. On holder-enabled rails (nuban, momo, gh_bank) this also resolves the holder name.

country · string

ISO 3166-1 alpha-2 hint when the rail is ambiguous.

Response

200

application/json

Identification result.

status · string · required

Allowed value: "success"

data · object · required

Show child attributes