Transform your address
Standardised Trust community offers a handy ISO 20022 Address Transformer (and why It matters for payments)
A practical tool for anyone dealing with structured address formatting in financial messaging
It started with a simple need to transform an unstructured address available, according to November 2026 payment initiation and execution requirements, into a fully structured format or at least indicating the country code and town name as minimum set of structured data points for the payment party address. This seems to be a simple task, but it is not, we can promise. There are very many country-specifics in the address market practices and even the local characters might be an issue in the final use cases of the structured or hybrid addresses.
If you’ve ever worked with ISO 20022 payment messages, you know the pain: taking a perfectly normal postal address — say, “350 Fifth Avenue, Suite 3300, New York, NY 10118, United States” — and breaking it down into a dozen structured XML or further to JSON fields. By hand. Repeatedly. No way. And we know that sometimes the source systems where the payment counterparty data is stored, do not have the capacity to store all the address fields in a structured output.
So, we built a tool to do it automatically. Or to be sure it works in batch or API mode, you can always test the service manually first.
What it does
The Address Converter at https://address.standardisedtrust.com/ takes unstructured postal addresses, the kind you’d write on a commercial invoice or other documents, and converts them into the standardised PostalAddress format used in ISO 20022 payment initiation, pain.001 V9 messages. Paste in an address, click Convert, and you get properly structured fields with XML or JSON output ready to use. You can also run the service with a REST API call and get the response in a JSON payload. You have options to use AI in the address parsing and if you already subscribe Google Address Validation API and have the service API Key, you can also have Google service confirmation for the address correctness. And the output can be transliterated to ASCII ISO Latin if you wish. And of course, all possible secrets are stored within service login credentials. Manual use does not need any account creation.
How it works
The tool offers two parsing modes:
– AI-powered parsing that handles international addresses, unusual formats, and edge cases with high accuracy
– Heuristic (rule-based) parsing for straightforward addresses, using pattern matching for postal codes, country names, and street numbers
Every result comes with a confidence indicator (high, medium, or low) so you know when to double-check.
Batch processing included
Got 50 addresses to convert? Paste them all in (separated by blank lines), upload a text or comma separated file, and the tool processes them in one go. You get a combined XML or JSON export of all results with no manual work required.
Built for real workflows
A few things we added because they actually matter in practice:
– Editable fields: every parsed result can be manually fine-tuned before export
– XML and JSON output: toggle between formats, copy to clipboard, or download files
– Google Address Validation: optionally verify your results against Google’s API
– REST API: integrate the parser directly into your systems with API key authentication
– Format toggle: switch between fully structured and hybrid ISO 20022 formats
Why ISO 20022 structure as the foundation?
The global financial industry is migrating to ISO 20022 for Swift delivered in the international payment messaging. The Swift deadline for banks has passed but the unstructured address use grace period lasts up to November 2026. In addition EU’s SEPA Payment (Instant and Credit Transfers) mandates structured or hybrid addresses, if the address is used, and banks worldwide are updating their systems also with the 2026 November timeline. Structured address data isn’t optional anymore, it’s becoming a compliance requirement in many other jurisdictions and payment market infrastructures.
This tool won’t solve every compliance challenge, but it removes one of the most tedious parts of the transition: manually reformatting addresses.
Try it yourself
The tool is so far free to use at https://address.standardisedtrust.com/. There’s a full on-line end-user manual and API documentation for developers, and sample addresses to get started in seconds. The service has been built as a collaboration between payments domain expert human guidance and AI development by Lovable. Because sometimes the best tools come from knowing what’s needed, not just how to code it.
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