{
  "source": "fin.codes source-stamped bank profile and labeled routing dataset",
  "canonical_url": "https://fin.codes/bank/keybank",
  "data": {
    "slug": "keybank",
    "name": "KeyBank National Association",
    "shortName": "KeyBank",
    "type": "bank",
    "fdicCert": "17534",
    "website": "https://www.key.com",
    "hqCity": "Cleveland",
    "hqState": "OH",
    "totalAssets": 185983433,
    "totalAssetsUnit": "thousands-usd",
    "description": "FDIC-insured bank headquartered in Cleveland, OH.",
    "profileSourceName": "FDIC BankFind Suite",
    "profileSourceUrl": "https://banks.data.fdic.gov/api/institutions?filters=CERT:17534&format=json",
    "profileLastVerified": "2026-06-28",
    "websiteDomain": "key.com",
    "indexableRoutingCount": 26,
    "verifiedRoutingEvidenceCount": 10,
    "routingLookupEvidenceCount": 0,
    "routingStateCoverage": [
      "AK",
      "CO",
      "CT",
      "FL",
      "ID",
      "IN",
      "MA",
      "ME",
      "MI",
      "NY",
      "OH",
      "OR",
      "PA",
      "UT",
      "VT",
      "WA"
    ],
    "routingNumbers": [
      {
        "number": "125200879",
        "kind": "ach",
        "transferTypes": [
          "ACH",
          "domestic wire",
          "paper checks"
        ],
        "label": "KeyBank Alaska routing number",
        "state": "AK",
        "verificationStatus": "verified",
        "sourceName": "KeyBank checking account and routing number page",
        "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
        "evidence": [
          {
            "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
            "capturedAt": "2026-06-28",
            "numbers": [
              "125200879"
            ]
          }
        ],
        "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
        "evidenceCapturedAt": "2026-06-28",
        "lastVerified": "2026-06-28",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "307070267",
        "kind": "ach",
        "transferTypes": [
          "ACH",
          "domestic wire",
          "paper checks"
        ],
        "label": "KeyBank Colorado routing number",
        "state": "CO",
        "verificationStatus": "verified",
        "sourceName": "KeyBank checking account and routing number page",
        "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
        "evidence": [
          {
            "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
            "capturedAt": "2026-06-28",
            "numbers": [
              "307070267"
            ]
          }
        ],
        "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
        "evidenceCapturedAt": "2026-06-28",
        "lastVerified": "2026-06-28",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "021300077",
        "kind": "ach",
        "transferTypes": [
          "ACH",
          "domestic wire"
        ],
        "label": "KeyBank Connecticut, Massachusetts, New York, and Pennsylvania wires and ACH routing number",
        "states": [
          "CT",
          "MA",
          "NY",
          "PA"
        ],
        "verificationStatus": "verified",
        "sourceName": "KeyBank checking account and routing number page",
        "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
        "evidence": [
          {
            "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
            "capturedAt": "2026-06-28",
            "numbers": [
              "021300077"
            ]
          }
        ],
        "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
        "evidenceCapturedAt": "2026-06-28",
        "lastVerified": "2026-06-28",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "041001039",
        "kind": "ach",
        "transferTypes": [
          "ACH",
          "domestic wire",
          "paper checks"
        ],
        "label": "KeyBank Florida, Indiana, Michigan, and Ohio routing number",
        "states": [
          "FL",
          "IN",
          "MI",
          "OH"
        ],
        "verificationStatus": "verified",
        "sourceName": "KeyBank checking account and routing number page",
        "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
        "evidence": [
          {
            "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
            "capturedAt": "2026-06-28",
            "numbers": [
              "041001039"
            ]
          }
        ],
        "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
        "evidenceCapturedAt": "2026-06-28",
        "lastVerified": "2026-06-28",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "124101555",
        "kind": "ach",
        "transferTypes": [
          "ACH",
          "domestic wire",
          "paper checks"
        ],
        "label": "KeyBank Idaho routing number",
        "state": "ID",
        "verificationStatus": "verified",
        "sourceName": "KeyBank checking account and routing number page",
        "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
        "evidence": [
          {
            "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
            "capturedAt": "2026-06-28",
            "numbers": [
              "124101555"
            ]
          }
        ],
        "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
        "evidenceCapturedAt": "2026-06-28",
        "lastVerified": "2026-06-28",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "011200608",
        "kind": "ach",
        "transferTypes": [
          "ACH",
          "domestic wire",
          "paper checks"
        ],
        "label": "KeyBank Maine routing number",
        "state": "ME",
        "verificationStatus": "verified",
        "sourceName": "KeyBank checking account and routing number page",
        "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
        "evidence": [
          {
            "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
            "capturedAt": "2026-06-28",
            "numbers": [
              "011200608"
            ]
          }
        ],
        "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
        "evidenceCapturedAt": "2026-06-28",
        "lastVerified": "2026-06-28",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "123002011",
        "kind": "ach",
        "transferTypes": [
          "ACH",
          "domestic wire",
          "paper checks"
        ],
        "label": "KeyBank Oregon routing number",
        "state": "OR",
        "verificationStatus": "verified",
        "sourceName": "KeyBank checking account and routing number page",
        "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
        "evidence": [
          {
            "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
            "capturedAt": "2026-06-28",
            "numbers": [
              "123002011"
            ]
          }
        ],
        "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
        "evidenceCapturedAt": "2026-06-28",
        "lastVerified": "2026-06-28",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "124000737",
        "kind": "ach",
        "transferTypes": [
          "ACH",
          "domestic wire",
          "paper checks"
        ],
        "label": "KeyBank Utah routing number",
        "state": "UT",
        "verificationStatus": "verified",
        "sourceName": "KeyBank checking account and routing number page",
        "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
        "evidence": [
          {
            "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
            "capturedAt": "2026-06-28",
            "numbers": [
              "124000737"
            ]
          }
        ],
        "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
        "evidenceCapturedAt": "2026-06-28",
        "lastVerified": "2026-06-28",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "211672531",
        "kind": "ach",
        "transferTypes": [
          "ACH",
          "domestic wire",
          "paper checks"
        ],
        "label": "KeyBank Vermont routing number",
        "state": "VT",
        "verificationStatus": "verified",
        "sourceName": "KeyBank checking account and routing number page",
        "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
        "evidence": [
          {
            "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
            "capturedAt": "2026-06-28",
            "numbers": [
              "211672531"
            ]
          }
        ],
        "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
        "evidenceCapturedAt": "2026-06-28",
        "lastVerified": "2026-06-28",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "125000574",
        "kind": "ach",
        "transferTypes": [
          "ACH",
          "domestic wire",
          "paper checks"
        ],
        "label": "KeyBank Washington routing number",
        "state": "WA",
        "verificationStatus": "verified",
        "sourceName": "KeyBank checking account and routing number page",
        "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
        "evidence": [
          {
            "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
            "capturedAt": "2026-06-28",
            "numbers": [
              "125000574"
            ]
          }
        ],
        "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
        "evidenceCapturedAt": "2026-06-28",
        "lastVerified": "2026-06-28",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "011807043",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "021110209",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "021313569",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "021372953",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 2 public candidate source families; not verified against an official bank source.",
        "sourceName": "2 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 2,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "022072692",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "031302803",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "031305253",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "031911812",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "031918527",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "211170130",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "211170185",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "211174369",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "221370616",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "222370440",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "231372170",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "231375575",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank cross-checked routing number",
        "state": "NY",
        "verificationStatus": "cross-checked",
        "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
        "sourceName": "5 public routing candidate source families",
        "sourceUrl": "https://github.com/moov-io/fed",
        "crossCheckSourceCount": 5,
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "041002957",
        "kind": "ach",
        "transferTypes": [
          "ACH",
          "domestic wire"
        ],
        "label": "KeyBank unverified routing candidate",
        "state": "OH",
        "verificationStatus": "unverified",
        "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
        "sourceName": "moov-io/fed FedACH snapshot",
        "sourceUrl": "https://github.com/moov-io/fed",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "011104173",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank unverified routing candidate",
        "state": "NY",
        "verificationStatus": "unverified",
        "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
        "sourceName": "wealthsimple/frb-participants FedACH JSON",
        "sourceUrl": "https://github.com/wealthsimple/frb-participants",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "021313747",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank unverified routing candidate",
        "state": "NY",
        "verificationStatus": "unverified",
        "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
        "sourceName": "wealthsimple/frb-participants FedACH JSON",
        "sourceUrl": "https://github.com/wealthsimple/frb-participants",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "031302272",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank unverified routing candidate",
        "state": "NY",
        "verificationStatus": "unverified",
        "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
        "sourceName": "wealthsimple/frb-participants FedACH JSON",
        "sourceUrl": "https://github.com/wealthsimple/frb-participants",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "031307468",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank unverified routing candidate",
        "state": "NY",
        "verificationStatus": "unverified",
        "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
        "sourceName": "wealthsimple/frb-participants FedACH JSON",
        "sourceUrl": "https://github.com/wealthsimple/frb-participants",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "031308564",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank unverified routing candidate",
        "state": "NY",
        "verificationStatus": "unverified",
        "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
        "sourceName": "wealthsimple/frb-participants FedACH JSON",
        "sourceUrl": "https://github.com/wealthsimple/frb-participants",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "031311810",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank unverified routing candidate",
        "state": "NY",
        "verificationStatus": "unverified",
        "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
        "sourceName": "wealthsimple/frb-participants FedACH JSON",
        "sourceUrl": "https://github.com/wealthsimple/frb-participants",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "031314749",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank unverified routing candidate",
        "state": "NY",
        "verificationStatus": "unverified",
        "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
        "sourceName": "wealthsimple/frb-participants FedACH JSON",
        "sourceUrl": "https://github.com/wealthsimple/frb-participants",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "031315382",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank unverified routing candidate",
        "state": "NY",
        "verificationStatus": "unverified",
        "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
        "sourceName": "wealthsimple/frb-participants FedACH JSON",
        "sourceUrl": "https://github.com/wealthsimple/frb-participants",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "211170088",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank unverified routing candidate",
        "state": "NY",
        "verificationStatus": "unverified",
        "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
        "sourceName": "wealthsimple/frb-participants FedACH JSON",
        "sourceUrl": "https://github.com/wealthsimple/frb-participants",
        "lastReviewed": "2026-06-28"
      },
      {
        "number": "211174990",
        "kind": "ach",
        "transferTypes": [
          "ACH"
        ],
        "label": "KeyBank unverified routing candidate",
        "state": "NY",
        "verificationStatus": "unverified",
        "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
        "sourceName": "wealthsimple/frb-participants FedACH JSON",
        "sourceUrl": "https://github.com/wealthsimple/frb-participants",
        "lastReviewed": "2026-06-28"
      }
    ],
    "relatedBanks": [
      "1st-national-bank",
      "540-i-b-e-w",
      "abbey",
      "achieve"
    ],
    "lastVerified": "2026-06-28",
    "dataScore": {
      "value": 100,
      "grade": "excellent",
      "label": "Excellent coverage",
      "summary": "Excellent coverage: includes official-source routing data. The score reflects source depth and confidence, not bank safety or product quality.",
      "components": [
        {
          "id": "profile",
          "label": "Profile facts",
          "value": 83,
          "description": "Regulator/source profile includes headquarters plus useful public institution facts."
        },
        {
          "id": "routing",
          "label": "Routing confidence",
          "value": 100,
          "description": "26 indexable routing records (10 verified, 16 cross-checked, 10 screenshot-backed)."
        },
        {
          "id": "review",
          "label": "Review coverage",
          "value": 92,
          "description": "11 routing candidates cleared by automated review."
        },
        {
          "id": "freshness",
          "label": "Freshness",
          "value": 100,
          "description": "Profile and routing source dates are recent for this build."
        }
      ],
      "reviewSignals": {
        "automatedReviewedCandidates": 11,
        "humanReviewedCandidates": 0,
        "manualReviewCandidates": 0
      },
      "factors": [
        "Regulator or official profile source",
        "FDIC certificate linked",
        "10 official-source routing records",
        "10 screenshot-backed routing records",
        "16 cross-checked routing candidates",
        "11 unverified routing candidates"
      ]
    },
    "routingProof": {
      "value": 100,
      "grade": "bank-verified",
      "label": "Bank-verified"
    }
  }
}