View any XML File with Universal XML Viewer, for Humans and AI

Tools

• UBL • PEPPOL • PEPPOL VIEWER • XML • SEPA • UBL •

Access https://kibervarnost.si/universal-xml-viewer/ to inspect any XML file, including accounting and finance data

Universal XML Viewer: The Free Online XML Tool for Humans-to-AI Work

Most XML tools were designed for one kind of user: a developer staring at raw markup. The Universal XML Viewer was designed for everyone else — and for the AI sitting next to them.

It is a free, browser-based tool that converts any XML file into data you can actually work with. Paste or upload any .xml or .xbrl file, and within seconds it is parsed, visualized, and ready to query. No installation, no server uploads, no accounts, no registration. Everything runs locally in your browser, which means your data never leaves your machine.

XML Viewer Parses Any XML and Understands Financial Documents

The Universal XML Viewer does one thing extremely well: it converts XML into structured JSON and presents it in a readable, navigable format. This works for any XML file — configuration files, sitemaps, export data, custom schemas. Load it, explore the tree, run an XPath query, download the result.

But the tool goes further for financial XML. If you load a bank statement, a payment file, or an invoice, it recognizes what it is and renders a purpose-built summary. The formats it understands include:

• CAMT.052 and CAMT.053 — bank account statements and intraday reports. The viewer shows opening and closing balances, lists transaction entries with dates, references, and amounts, and correctly marks debits and credits.
• pain.001 (SEPA Credit Transfer) — payment initiation files. The viewer extracts the message header, control sum, and a table of creditors, IBANs, and instructed amounts for each transaction.
• pain.008 (SEPA Direct Debit) — debit collection files, with mandate IDs and debtor names extracted automatically.
• UBL and Peppol invoices — the viewer pulls e-invoice number, issue and due dates, supplier, buyer, line items, tax totals, and payable amount.
• XBRL — financial reporting facts with their context references and unit annotations.
• Generic ISO 20022 — any other ISO 20022 document receives a structural overview with namespace badges and element counts.

This format detection is automatic. The viewer reads the namespaces and root elements in your file and selects the right view without any configuration from you.

Ways to Interact with Your XML

Once a file is loaded, five tabs give you different lenses on the same data.

Finance View is the default for recognized formats. It is a human-readable summary — the kind of output you would want to hand to an accountant or include in a report. Balances, transaction tables, invoice totals.

XML Tree shows the full node hierarchy in an expandable, collapsible tree. Amount-related elements are highlighted in green. You can search across all node names and text values in real time.

Formatted XML pretty-prints the raw markup with syntax highlighting, making it easy to read even deeply nested documents.

JSON converts the entire XML structure into a clean JSON object. Every element becomes a node with a tag, namespace, attributes, text content, and children array. This is the format most useful for programmatic processing.

XPath lets you run queries directly against the loaded document. Format-specific chips are provided — one-click expressions for the most commonly needed fields in each document type. Type your own expression, press Run, and see the matching nodes as a JSON array.

Built for Hybrid AI-Human Work

This is where the Universal XML Viewer is different from every other XML tool.

Most workflows today are not purely human or purely automated — they are hybrid. A person opens a bank statement, an AI helps them analyze it, the person asks a follow-up question, the AI answers it. Or an AI agent processes a batch of payment files, flags anomalies, and surfaces results for a human to review. The Universal XML Viewer is designed to support both sides of that workflow.

For humans working with AI assistants

The Ask AI tab connects the viewer directly to Claude via your own API key. Type a question in plain language — «What is the total amount of debit transactions?» or «Who are the creditors in this payment file?» — and Claude answers immediately, drawing on the parsed document data.

This is not a generic chat interface. Before sending your question to the AI, the viewer extracts only the fields relevant to your query. If you ask about amounts, it runs the XPath queries for amounts. If you ask about creditors, it pulls creditor names and IBANs. The system prompt sent to Claude is tailored to the detected document format — a CAMT.053 prompt explains the CRDT/DBIT indicator logic, a UBL prompt explains the invoice structure. This means Claude receives focused, accurate context rather than a raw data dump, and answers are correspondingly precise.

If you do not have an API key, the Copy AI Prompt button assembles the same structured context — system prompt, extracted data in YAML format, and your question — and copies it to your clipboard. Simply paste it into your favourite LLM, be it Claude.ai, ChatGPT, or Gemini, and ask your question there. The prompt is designed to work well with any modern AI assistant. Always refer to your company’s AI policy, before copying any sensetive data into an LLM prompt. Our tool only prepares a valid, concise AI prompt, but never passes it to AI without your explicit approval.

The YAML format used internally is not arbitrary. Compared to passing raw XML or the full JSON tree, a YAML representation of the relevant fields is typically 60–80% smaller and significantly easier for a language model to parse accurately. The viewer handles this compression automatically saving your LLM use limits.

For AI agents

The viewer exposes a full programmatic API via a global window.AppRegistry object. An AI agent running in a headless browser can load any XML string, wait for parsing to complete, read the structured JSON result, run XPath queries, and retrieve financial summaries — all without touching the user interface.

// Load a document
document.getElementById("xml-input").value = xmlString;
window.AppRegistry.actions.processXML();

// Wait for completion
await page.waitForFunction(
  () => document.getElementById("app").dataset.appStatus === "complete"
);

// Read results
const result = window.AppRegistry.lastResult;
// → { format: "camt", label: "CAMT.053", elements: 84, json: {...} }

// Run an XPath query
document.getElementById("xpath-query").value = "//*[local-name()='Amt']";
window.AppRegistry.actions.runXPath();
const amounts = JSON.parse(document.getElementById("xpath-result").textContent);

The API is intentionally simple and stable. Agents do not need to understand financial XML schemas — they can ask the viewer to do the format detection and extraction, then consume the clean JSON output.

Access https://kibervarnost.si/universal-xml-viewer/ to inspect any XML file, including accounting and finance data

Privacy by Design

Every line of processing happens in your browser. The XML file you load is never transmitted anywhere. There are no server-side logs, no analytics on file content, no third-party data sharing. The only outbound connection the tool makes is the API call to Anthropic when you explicitly use the Ask AI feature — and that uses your own API key, billed directly to your own account.

This matters for financial documents. Bank statements, payment files, and invoices contain sensitive data. A tool that uploads your CAMT file to a cloud service to parse it is a tool you should be cautious about. The Universal XML Viewer processes everything locally and it is up to you to submit this data to an AI system or not.

Who It Is For

Accountants and finance teams who receive XML bank statements, payment confirmations, or invoices from their bank or ERP system and need to read them without asking a developer for help.

Developers and integrators building or testing applications that produce or consume ISO 20022, UBL, or XBRL files, who need a fast way to inspect output and run XPath queries.

Auditors and compliance teams who need to verify transaction data in structured XML formats without importing it into a spreadsheet.

AI engineers and automation builders who want a reliable, embeddable XML parsing layer that exposes a clean API for agents to consume.

If you work with XML files and you want to understand what is in them quickly, the Universal XML Viewer is the fastest path from raw markup to readable, queryable, AI-ready data.

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