Bank account

The account exists, is open and belongs to the person.

NIST SP 800-63A-4 step: Attribute validation
Source: Nacha Phixius, Early Warning, FedNow
Where it runs: Proxied
Component: Registry router
Cost per check: $0.015–$0.055

What the step requires

SP 800-63A-4 requires the proofing service to confirm the person's core attributes, such as name, date of birth and identifying numbers, with an authoritative or credible source. An authoritative source is the one that issued or holds the record.

How the check works

The person enters their bank routing number and account number.
The device sends them with the person's name through the Foundation's router to an account validation service.
The service returns whether the account exists, whether it is open and whether the owner's name matches.
The router signs the response and returns it to the device.

What the person provides

Their bank routing number and account number

What leaves the device

The device sends only these fields to the registry, through the Foundation's router. The router stores nothing.

Routing number
Account number
Account holder name

Outcomes

Pass: The account exists, is open and belongs to the named person.
Fail: The account does not exist or is closed, or the owner's name does not match.
Unavailable: The person's bank does not take part in the account validation services.

In the evidence record

The entry this proof adds to the record's checks, shown with a pass outcome.

{
  "proof": "bankAccount",
  "step": "attributes",
  "outcome": "pass",
  "source": "Nacha Phixius, Early Warning, FedNow",
  "checkedAt": "2026-11-02T15:04:11Z",
  "registryResponse": "eyJhbGciOiJFUzI1NiIsImtpZCI6InJvdXRlci0yMDI2LTExIn0.eyJwcm9vZiI6ImJhbmtBY2NvdW50Iiwib3V0Y29tZSI6InBhc3MiLCJub25jZSI6Im4tMFM2X1d6QTJNaiIsImF1ZCI6InJwLmV4YW1wbGUtYmFuay5jb20ifQ.c2lnbmF0dXJl"
}

Every field is defined in the evidence record specification.

Other proofs in the Attribute validation step.