Zero-dependency, high-performance Java 8+ library for IBAN and BIC validation, parsing, and formatting. Supports 120 countries from the SWIFT IBAN Registry (ISO 13616) and BIC validation per ISO 9362. Outperforms iban4j and Apache Commons Validator by up to 4x in throughput (7,700,000 ops/s) with 10x lower memory allocation. Android-compatible (API 21+). Features: SEPA validation, country metadata, immutable thread-safe objects, serialization security, small JAR (~100KB). Suitable for banking, fintech, e-commerce, and payment processing applications.