← OpenBanqingFeatures
OpenBanqing feature catalogue.
OpenBanqing provides an open-banking infrastructure stack across six feature areas — all behind one OpenAPI 3.1 contract and one authorisation pipeline.
Open vs commercial
What ships open-source
Open under Apache 2.0
- PSD2/PSD3-aligned connector schemas open under Apache 2.0
- FAPI 2.0 auth pipeline reference implementation
- OpenAPI 3.1 spec for every public endpoint
- TypeScript, Python, Go, and Java / Kotlin SDK skeletons
- Berlin Group NextGenPSD2 conformance fixtures
- Open Banking UK v3.1 schema parity files
What we charge for
Commercial platform
- Multi-tenant SaaS hosting (api.openbanqing.com)
- Managed FAPI 2.0 authorisation server + consent store
- Core-banking connector runtime (Temenos, Finastra, Mambu, FIS)
- Real-time payment routing: SEPA Instant, FedNow, RTP, SWIFT gpi
- BYOC / on-prem deployment + Helm charts + Terraform modules
- Named CSM + 24×7 SLA + SOC 2 evidence packs
Payments & settlement
- ✓SEPA Credit Transfer and SEPA Instant Credit Transfer
- ✓FedNow and RTP — US real-time payment schemes
- ✓SWIFT gpi with full tracker integration
- ✓Cross-border FX with structured mid-market quoting
- ✓Bulk and batch payments with idempotency keys
Core banking connectors
- ✓Connector boundary for the major core-banking platforms (deposit, loan, customer, transaction)
- ✓Standardised normalisation across cores — write once, route anywhere
- ✓Hot-swappable backends — migrate cores without API changes
- ✓Real-time balance and posting parity across systems
- ✓Per-connector SLA monitoring and circuit breakers
Open-banking standards
- ✓PSD2 Berlin Group NextGenPSD2 v1.3.12 schema parity
- ✓Open Banking UK v3.1.11 schema parity
- ✓FDX Financial Data Exchange 6.0 schema parity
- ✓FAPI 2.0 Baseline + Advanced security profiles in the auth pipeline
- ✓Consent management (AISP / PISP / CBPII)
Regulatory & risk
- ✓Basel III RWA, LCR, NSFR computation patterns
- ✓KYC and AML with sanctions and PEP screening hooks
- ✓Transaction monitoring with rules and ML provider hooks
- ✓ISO 20022 native message modelling
- ✓Jurisdictional policy hooks for FCA, BaFin, ACPR, FINMA, DFSA
Developer experience
- ✓OpenAPI 3.1 with machine-readable error envelopes
- ✓First-class SDKs for TypeScript, Python, Go, and Java / Kotlin
- ✓Mock server with recorded fixtures for offline development
- ✓Webhook replay and retry semantics with idempotency
- ✓Structured audit logs (who / what / when / why) for every call
Operations & reliability
- ✓Multi-region active-active design (EU, UK, US, APAC)
- ✓Structured failure pipeline with fingerprinted incidents
- ✓Attribute-based authorisation on every endpoint
- ✓SBOM, DAST, and container image scan per release
- ✓Published 99.95% uptime SLA on the enterprise tier
Need a rail that isn't listed?
The connector layer is open-source — propose a new rail, sponsor one on the roadmap, or talk to us about a custom integration on the enterprise tier.
Talk to engineering →