Complete compliance for
Hybrid Address formatting
Brings Fedwire, SWIFT, and CHIPS payment data into compliant ISO 20022 Hybrid Address format — across every agent and party in a transaction, not just the beneficiary.
Request a DemoThe compliance risk of unstructured data
The global transition to ISO 20022 and CBPR+ represents the most significant modernization of payment messaging in decades. Moving from free-text fields to structured data reduces friction and enhances anti-money laundering (AML) controls. As part of this, the Hybrid Addressing format is becoming the mandatory standard, requiring city and country data to be strictly separated and validated.
The Danger of Ambiguity
Unstructured addresses create real compliance risk. A legacy payment instruction reading "London" without structured country codes could refer to London, England — triggering standard UK compliance protocols — or London, Ohio.
The Implementation Obstacle
Achieving full ISO 20022 compliance isn't just about updating payment templates. Institutions are blocked by complex systemic realities:
Competing Initiatives
Engineering teams are tied up with broader core modernization and immediate regulatory fires, leaving Hybrid Addressing as an under-resourced mandate.
Decades of Legacy Data
Millions of counterparty records sit in unstructured formats across disparate systems that require programmatic cleaning.
Limited Specialized Expertise
Parsing complex global address formats correctly requires domain-specific machine learning that generalist IT teams cannot build overnight.
The Feathers Hybrid Solution
A purpose-built compliance engine designed to transform legacy address formats accurately, at scale, and with full institutional control.
AI-Powered Address Transformation
Our domain-trained models identify, parse, and structure messy, free-text address strings into strict ISO 20022 XML fields with high accuracy, regardless of language or regional format quirks.
Confidence-Based Processing
Every parsed address is assigned a confidence score. High-confidence records proceed automatically; records below institution-defined thresholds route to human review. Thresholds are entirely controlled by your institution.
Human-in-the-Loop Review
Purpose-built operational dashboards allow compliance teams to quickly review, correct, and approve flagged addresses. The system learns from corrections to improve future processing accuracy.
Full Audit Trail
Every transformation, automated or manual, is immutably logged. Generate comprehensive compliance reports detailing exactly when, how, and by whom an address was structured for regulatory review.
Flexible Deployment
Integrate exactly where you need it. Feathers Hybrid supports real-time API calls for a single address, in-flow translation during transaction processing, asynchronous processing for a bulk file of daily payments, and batch processing for full database remediation of legacy counterparty systems.
Who it's for
The window is closing.
The CBPR+ modernization timeline waits for no one. Right now, large institutions are juggling competing priorities, corporate participants lack in-house SWIFT expertise, and legacy databases require real time to remediate properly.
Don't let manual remediation consume scarce operational capacity.
Don't risk false positives or failed payments due to malformed unstructured data.
Start remediation early enough to support reliable transaction flows.