Transmute converts SWIFT MT messages to and from ISO 20022 over one HTTP API. 81 directed pairs across 14 MT types and 10 ISO 20022 families, plus normalize-to-JSON and OFX/QFX/QBO/CSV output for bookkeeping tools. What is different: it stores nothing. Bodies live in request-scoped memory, never persisted and never logged; each request leaves one row of metadata. Lossy steps come back as severity-graded warnings instead of silently dropping fields. Public pricing, free tier, no sales call.