
Founded in 1973, the SWIFT (Society for Worldwide Interbank Financial Telecommunication) network connects more than 11,000 financial institutions around the globe, enabling reliable wire transfers in a secure environment. SWIFT is owned by member institutions like banks, securities dealers, and clearing houses. Each member is assigned a unique code whose purpose is comparable to that of U.S. routing numbers and will be detailed throughout this article.

The Moov ACH Gateway is a customizable payment gateway that enables automated ACH operations including file uploading and downloading. When paired with our test harness, which acts as a financial institution, achgateway serves as the final puzzle piece for ACH transactions. It also utilizes Moov ACH by flattening batches, merging files, and validating files to ensure transfers are cost effective and reliable. We’ll cover how to set up the service and run through a sample use case in the sections below.

From currency converters to invoicing tools, the world of open source fintech is overflowing with interesting projects. We’ve put together a curated list of our favorites and hope you’ll add projects you love too. Please submit a pull request to add new projects to our GitHub repository—this blog post will be updated periodically to stay in sync with the repo.

The Moov ACH Test Harness project provides a configurable FTP/SFTP server to replicate real-world ACH file transfer scenarios like returns and changes. With the test harness acting as a receiving financial institution, matchers and actions can be customized to observe how ACH files would be processed in production. This project is a natural extension of our Moov ACH project, which allows users to read, write, and validate Nacha ACH files. We’ll cover how to get set up with the test harness and run through a few primary use cases in the sections below.

The Moov Watchman project provides search functionality over U.S. trade sanctions lists, including individuals, groups, and companies legally forbidden to transact with. While the project’s primary API documentation contains plenty of technical details and examples, the purpose of this guide is to serve as a launching point for new users. We’ll cover how to perform a few types of Watchman searches and how to update an entry’s status using our API service.

The Moov Metro2 project offers an API with several operations for Metro 2 credit reporting files, including bidirectional conversion between plaintext and JSON formats. While the project’s primary API documentation contains plenty of technical details and examples, the purpose of this guide is to serve as a launching point for new users. We’ll run through a few basic examples of converting and validating Metro 2 files.

The Moov Fed project provides search functionality over Fedwire and FedACH participant data, which includes financial institution routing information.
While the project’s primary API documentation contains plenty of technical details and examples, the purpose of this guide is to serve as a launching point for new users. We’ll cover how to mount your own data files and perform a few basic searches using our API service.

The Moov ACH project includes an API with several operations for ACH files, including bidirectional conversion between plaintext and JSON formats. While the project’s primary API documentation contains plenty of technical details and examples, the purpose of this guide is to serve as a launching point for new users. We’ll run through a few basic examples of creating, fetching, modifying, and validating files.

The Moov Wire project offers an API with several operations for Fedwire messages, including bidirectional conversion between plaintext and JSON formats. While the project’s primary API documentation contains plenty of technical details and examples, the purpose of this guide is to serve as a launching point for new users. We’ll run through a few basic examples of creating, fetching, deleting, and modifying files.

The Moov ImageCashLetter project features an API with several operations for X9 files, including bidirectional conversion between ASCII/EBCDIC and JSON formats. While the project’s primary API documentation contains plenty of technical details and examples, the purpose of this guide is to serve as a launching point for new users. We’ll run through a few basic examples of creating, fetching, deleting, and modifying files.

The world of open source software (OSS) is booming. OSS dependencies live in every corner of the digital products we use daily, yet many projects lack a reliable maintenance and contribution plan.