Fedwire pacs.008 — same unstructured address, settling before the cut-over
The counter-example, and the point of the pair: byte-for-byte the same unstructured address, but settling on 30/06/2026. It is legal, so it warns — it does not fail. The trigger is the settlement date carried by the message, never today’s date.
pacs.008.001.08 — Valid
The counter-example, and the point of the pair: byte-for-byte the same unstructured address, but settling on 30/06/2026. It is legal, so it warns — it does not fail. The trigger is the settlement date carried by the message, never today’s date.
What this file shows
The counter-example, and the point of the pair: byte-for-byte the same unstructured address, but settling on 30/06/2026. It is legal, so it warns — it does not fail. The trigger is the settlement date carried by the message, never today’s date.
| Transactions | 1 |
|---|---|
| Total | $125,000.00 |
| Date in the file | 2026-06-30 |
The defects it carries
- ADDR-2026from 16 November 2026 the Fedwire Funds Service requires a hybrid postal address
Quoted verbatim from the validator, not paraphrased.
Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.
File content
<?xml version="1.0" encoding="UTF-8"?>
<Envelope>
<AppHdr xmlns="urn:iso:std:iso:20022:tech:xsd:head.001.001.03">
<Fr>
<FIId>
<FinInstnId>
<BICFI>CHASUS33XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>021000021</MmbId>
</ClrSysMmbId>
</FinInstnId>
</FIId>
</Fr>
<To>
<FIId>
<FinInstnId>
<BICFI>PNBPUS3NNYC</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>021000089</MmbId>
</ClrSysMmbId>
</FinInstnId>
</FIId>
</To>
<BizMsgIdr>20261120CHASUS33001</BizMsgIdr>
<MsgDefIdr>pacs.008.001.08</MsgDefIdr>
<CreDt>2026-06-30T09:30:00Z</CreDt>
</AppHdr>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08">
<FIToFICstmrCdtTrf>
<GrpHdr>
<MsgId>20261120CHASUS33001</MsgId>
<CreDtTm>2026-06-30T09:30:00</CreDtTm>
<NbOfTxs>1</NbOfTxs>
<SttlmInf>
<SttlmMtd>CLRG</SttlmMtd>
</SttlmInf>
</GrpHdr>
<CdtTrfTxInf>
<PmtId>
<InstrId>FDW20261120001</InstrId>
<EndToEndId>INV-2026-8842</EndToEndId>
<UETR>7a56b2c4-1f3e-4d9a-b8e5-2c1a9f7d3b60</UETR>
</PmtId>
<IntrBkSttlmAmt Ccy="USD">125000.00</IntrBkSttlmAmt>
<IntrBkSttlmDt>2026-06-30</IntrBkSttlmDt>
<ChrgBr>SHAR</ChrgBr>
<Dbtr>
<Nm>Northwind Manufacturing Inc</Nm>
<PstlAdr>
<StrtNm>West 57th Street</StrtNm>
<BldgNb>240</BldgNb>
<PstCd>10019</PstCd>
<TwnNm>New York</TwnNm>
<CtrySubDvsn>NY</CtrySubDvsn>
<Ctry>US</Ctry>
</PstlAdr>
</Dbtr>
<DbtrAcct>
<Id>
<Othr>
<Id>4417820033</Id>
</Othr>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<BICFI>CHASUS33XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>021000021</MmbId>
</ClrSysMmbId>
</FinInstnId>
</DbtrAgt>
<CdtrAgt>
<FinInstnId>
<BICFI>PNBPUS3NNYC</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>021000089</MmbId>
</ClrSysMmbId>
</FinInstnId>
</CdtrAgt>
<Cdtr>
<Nm>Pacific Components LLC</Nm>
<PstlAdr>
<AdrLine>Pacific Components LLC</AdrLine>
<AdrLine>1355 Market Street, Suite 900</AdrLine>
<AdrLine>San Francisco CA 94103 US</AdrLine>
</PstlAdr>
</Cdtr>
<CdtrAcct>
<Id>
<Othr>
<Id>9920014455</Id>
</Othr>
</Id>
</CdtrAcct>
<RmtInf>
<Ustrd>Invoice 8842 - Q4 component delivery</Ustrd>
</RmtInf>
</CdtTrfTxInf>
</FIToFICstmrCdtTrf>
</Document>
</Envelope>
How we know these results hold
Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.