---
name: payai.agentstools.dev
description: payai.agentstools.dev provides two reference-data utilities: one returns structured U.S. federal income tax bracket data for a given year and filing status, and the other validates IBAN strings for structural correctness per ISO 13616. Both skills return reference or validation data only and do not perform transactions, filings, or account lookups.
host: payai.agentstools.dev
---

# payai.agentstools.dev

This host serves agents that need lightweight, machine-readable financial reference data — specifically U.S. federal tax parameters and international bank account number validation. It covers two narrow but commonly needed data points in financial workflows: knowing the correct tax brackets before computing liability, and confirming an IBAN is well-formed before initiating a payment. It does not cover state taxes, live IRS data, account existence checks, or any payment execution.

## When to use this host

Use this host when an agent needs U.S. federal tax bracket parameters for a specific filing year and status, or needs to structurally validate an IBAN before passing it to a payment system. Do not use it for state or local tax rates (no skill exists for that), real-time IRS data, actual tax return preparation, or confirming that a bank account exists or belongs to a specific entity — those require Confirmation-of-Payee or bank-level APIs. The two skills on this host are unrelated to each other and serve distinct use cases; route to this host only when one of those two specific reference lookups is needed.

## Capabilities

### U.S. Tax Reference Data

Returns structured U.S. federal income tax brackets, standard deductions, capital gains thresholds, FICA rates, and NIIT data for a specified tax year and filing status, enabling downstream tax liability estimation or payroll calculations.

- **`fetch-us-tax-brackets`** — Returns U.S. federal income tax brackets, standard deduction, capital gains thresholds, FICA rates, and NIIT data for a given tax year and filing status.

### Payment Input Validation

Validates IBAN strings for structural correctness (ISO 13616 checksum and per-country format) and returns country metadata and format specification, allowing agents to catch malformed account numbers before initiating payment flows.

- **`validate-iban-structure`** — Validates an IBAN for structural correctness (ISO 13616 checksum and per-country format) and returns country metadata and format specification.

## Skill reference

### `fetch-us-tax-brackets`

**U.S. Tax Brackets API** — Returns U.S. federal income tax brackets, standard deduction, capital gains thresholds, FICA rates, and NIIT data for a given tax year and filing status.

*Use when:* Use when an agent needs structured, machine-readable U.S. federal tax bracket data for a specific tax year and filing status, such as when computing estimated tax liability, marginal rates, or payroll deductions.

*Not for:* Do not use for state income tax rates, real-time IRS filings, or actual tax return preparation; this returns reference estimates only and is not tax advice.

**Inputs:**

- `tax_year` (integer, required) — The U.S. federal tax year for which to retrieve bracket data.
- `filing_status` (string, required) — Filing status for the tax brackets. Expected values include 'single', 'married_filing_jointly', etc.

**Returns:** Returns filing_status, seven income tax brackets with rates and USD bounds, standard_deduction, long-term capital gains thresholds, FICA constants, NIIT rate and threshold, and a source citation with disclaimer.

**Example:** `GET https://payai.agentstools.dev/tax/brackets?tax_year=2026&filing_status=single`

---

### `validate-iban-structure`

**IBAN Validate** — Validates an IBAN for structural correctness (ISO 13616 checksum and per-country format) and returns country metadata and format specification.

*Use when:* Use when an agent needs to verify that an IBAN string is structurally valid before initiating a payment, displaying account details, or flagging malformed input — and needs country and format metadata alongside the verdict.

*Not for:* Do not use to confirm that a bank account exists or belongs to a specific person or company; that requires a Confirmation-of-Payee or paid bank/SEPA API. Not suitable for KYC or fraud determination.

**Inputs:**

- `iban` (string, required) — The IBAN string to validate. Checked against ISO 13616 checksum and per-country format rules.

**Returns:** Returns valid=true, the echoed IBAN, null error_type, a country object (name, alpha_2, alpha_3, numeric), a format_spec object (bban_spec, bban_length, iban_length), and a disclaimer string.

**Example:** `GET https://payai.agentstools.dev/bank/validate?iban=DE89370400440532013000`

---