# SEPA Instant Verification of Payee (VoP) API [API-138]
> Deterministic EPC042-25 compliant SEPA Verification of Payee (VoP) and Modulo-97 IBAN validator with DORA Article 30 cryptographic audit seals.

## Specifications
- Canonical Documentation: https://topaigateway.com/api/sepa-vop
- Production Endpoint: https://topaigateway.com/v1/api/138-sepa-vop
- Method: POST
- Category: Sovereign Enterprise & RegTech
- Subscription Pack: Pack 4 - Sovereign Enterprise ($199 / month (1,000,000 req included))
- Latency Target: < 20 ms
- Free Tier: 100 free requests/month (no credit card required)

## Quickstart (cURL)
```bash
curl -X POST https://topaigateway.com/v1/api/138-sepa-vop \
  -H "Content-Type: application/json" \
  -d '{"iban": "FR7630006000011234567890189", "beneficiary_name": "Acme Corp"}'
```

## Sample Request
```json
{
  "iban": "FR7630006000011234567890189",
  "beneficiary_name": "Acme Corporation Europe"
}
```

## Sample Response
```json
{
  "success": true,
  "api": "[API-138] SEPA Verification of Payee (VoP)",
  "valid": true,
  "status": "SUCCESS_VERIFIED",
  "checksum_modulo_97": "PASSED (0 errors)",
  "epc_standard": "EPC042-25 (Oct 2025/2026 Mandate)",
  "dora_audit_signed": true,
  "latency_ms": 12.3
}
```

## SDK Code Samples
### TypeScript / Node.js
```typescript
const res = await fetch("https://topaigateway.com/v1/api/138-sepa-vop", {
  method: "POST",
  headers: { "Content-Type": "application/json" },
  body: JSON.stringify({ iban: "FR7630006000011234567890189", beneficiary_name: "Acme Corp" })
});
const data = await res.json();
console.log(data.status);
```

### Python
```python
import requests

resp = requests.post(
    "https://topaigateway.com/v1/api/138-sepa-vop",
    json={"iban": "FR7630006000011234567890189", "beneficiary_name": "Acme Corp"}
)
print(resp.json()["status"])
```

## Performance Benchmarks
- Latency: 12.3 ms
- Regulatory Mandate: EPC042-25
- DORA Compliance: Article 30 Signed
- Modulo-97 Verification: Deterministic

## Compliance & Governance
- European Union DORA (UE) 2022/2554 Article 30 Compliant
- Zero-Retention & Zero-PII Policy: Prompts are executed on memory-only V8 isolates
- 1-Click Upgrade Portal: https://topaigateway.com/#pricing