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Use case

Regulated messaging

Schema-valid is necessary, not sufficient

The problem

A pain.001 payment file, a UBL invoice and a CDA clinical document can all be perfectly schema-valid and still be rejected, because the rules that matter — the total equals the sum of the lines, this code requires that qualifier — live in a Schematron profile the bank or the regulator publishes separately.

What you get

  • Rejections are found before submission rather than in a bank's response file
  • An auditor can be shown which revision a message was checked against, and when

How XMLDir helps

  • Validate against the XSD, then against the Schematron rules layered on top of it
  • See each failing rule with the number of nodes that triggered it, rather than a single pass or fail
  • Keep an immutable policy revision per counterparty, so a message is checked against what was agreed
  • Retain the exact bytes sent and received, with a searchable structural history

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