Developer Onboarding Path
From message format to live integration
Follow this five-stage path to go from raw message parsing to a fully compliant open banking integration.
01
Stage 1
Validate Messages
Tool 98 · ISO 20022
02
Stage 2
Map Consent Scopes
Tool 92 · SCA & Scopes
03
Stage 3
Check SCA Exemptions
Tool 92 · EBA RTS 2023
04
Stage 4
Explore API Responses
Tool 10 · API Explorer
05
Stage 5
Validate IBAN / BIC
Tool 16 · SEPA Reach
06
Stage 6
Harden, Comply & Go Agentic
T100 · DORA + T101 · ISO 20022 + T102 · AP2
All 13 Tools in Cat-5
Tool 98 · Anchor Tool
ISO 20022 Payment Message Validator & Field Explorer
Paste or upload any ISO 20022 XML message — pacs, pain, camt, fxtr, or sese — and get instant schema validation, a structured field tree, debtor/creditor/amount extraction, and a full error list. Batch-validate up to 50 messages, search 50+ message types in the reference grid, or use the Field Path Explorer to look up any element's data type, mandatory rules, and business meaning across every message type. Covers SWIFT CBPR+, Fedwire, and all major RTGS rails post-2025 migration.
SWIFT CBPR+
Fedwire
pacs · pain · camt
fxtr · sese
Batch Validation
CSV Export
Open Tool →
Tool 10
Open Banking API Explorer & Rate Limit Simulator
Explore mock Open Banking and CFPB 1033 API responses, compare UK vs US formats, and simulate rate limit throttling with retry code generation. Covers OBReadTransaction6, FDX endpoints, 429 throttle scenarios, and exponential backoff patterns.
Open Tool
Tool 16
IBAN Validator + BIC Lookup + SEPA Reachability
Validate any IBAN against country-specific length and check-digit rules, perform BIC/SWIFT code lookup, and check SEPA reachability for Credit Transfer and Instant Credit Transfer schemes. Covers 75+ IBAN countries and full EPC participant data.
Open Tool
Tool 91
Open Banking Consent & Permission Dashboard Builder
Configure consent scopes, TPP identity, AIS/PIS/CBPII data clusters, access durations, and purpose strings — then get an instant live preview of the customer-facing permission dashboard. Multi-standard toggle across PSD3/PSR, CFPB 1033/FDX, and UK OBIE. Auto-generates a per-jurisdiction compliance checklist. Export SVG, Markdown memo, or dev-handoff JSON.
Open Tool
Tool 92
SCA Exemption & Consent Scope Mapper
Compute SCA exemption eligibility — Low Value, TRA, Trusted Beneficiary, Corporate — using EBA RTS 2023 and UK FCA guidance. Map consent scope strings across UK OB v3.1, EU PSD3, AU CDR, and CFPB 1033/FDX. Generate FAPI 1.0/2.0 payloads with WebCrypto PKCE (S256) and mock JWT authorization requests. Export AP2-compatible JSON and QA CSV.
Open Tool
Tool 93
VRP Mandate & Sweep Logic Builder
Build Variable Recurring Payment mandates for Me-to-Me sweeping and Me-to-Business billing flows. Hard-Limit Stress Tester checks MaximumIndividualAmount, DailyLimit, and MonthlyLimit against your billing cadence. SVG Sweep Algorithm Visualizer shows VRP trigger conditions against simulated intraday balance volatility. Maps to OBIE v3.1.10 and FDX/CFPB 1033.
Open Tool
Tool 94
Open Banking Transaction JSON Visualizer & Ledger
Paste raw Open Banking API JSON — UK OBReadTransaction6 or FDX format — and get a clean sortable ledger with Date, Merchant, Amount, and Running Balance. Stats pane shows Total Inflows, Outflows, and Net Position. MCC code mapping for merchant categories. Sanity check flags missing mandatory fields. No data ever leaves the browser.
Open Tool
Tool 95
Payment Corridor Optimizer
Input origin/destination corridor, transaction amount, speed requirement, and cost constraints to get a ranked list of A2A payment rails — FedNow, SEPA Instant, SEPA Credit, ACH, SWIFT, Faster Payments — with estimated fees, PSD2/CFPB 1033 compliance notes, and mock settlement timeline visualizations. All data embedded as static reference tables.
Open Tool
Tool 97
Open Banking Security Header & FAPI Compliance Validator
Paste API response headers or upload a header file and validate against FAPI 1.0 Baseline, FAPI 1.0 Advanced, and PSD2 RTS on Strong Customer Authentication. Flags missing mandatory headers, weak TLS configuration, absent PKCE requirements, and non-compliant token endpoint security. Outputs a structured compliance report with remediation guidance.
Open Tool
Tool 96
Consent Receipt Generator & Validator
Generate portable consent receipts in structured JSON and PDF formats for audit trails, regulatory filings, and TPP handoff. Validates receipt completeness against UK OBIE, EU PSD3, and CFPB 1033 disclosure requirements. All inputs use synthetic account numbers and masked identifiers — zero PII processed or stored.
Open Tool
Tool 100
DORA Operational Resilience Auditor
Score your institution's DORA compliance posture across all five pillars: ICT risk management, incident reporting, TLPT readiness, third-party ICT risk, and information sharing. Auto-generates a gap analysis table with article references and remediation notes. Export as Markdown or AP2 JSON. Client-side. Zero PII.
Open Tool
Tool 101
ISO 20022 Migration Readiness Scorer
Score your bank or PSP's ISO 20022 migration readiness across 7 dimensions: data mapping, core systems, testing, operations, compliance, counterparty readiness, and governance. Exports a board-ready gap memo and 90-day action plan. Companion to the ISO 20022 Message Validator. Client-side. Zero PII.
Open Tool
Tool 102
AP2 Agentic Payments Compatibility Checker
Validate whether your payment flow meets AP2 agentic payments standards. Check agent verification, consent scope, payload structure, and settlement rail compatibility. Paste an AP2 JSON payload for field-level validation, or use the manual checklist. Generates a compatibility score and AP2 JSON scaffold. Client-side. Zero PII.
Open Tool
Regulatory Context
EU / EEA
PSD3 & PSR
The Payment Services Directive 3 and Payment Services Regulation replace PSD2 with stronger open banking obligations, enhanced SCA rules, and a new liability framework for payment service providers. Phased implementation runs 2026–2027 across all EU member states.
Phased · 2026–2027
United Kingdom
UK OBL / CMA9
The UK's Open Banking Implementation Entity has mandated all CMA9 banks to deliver standardised APIs covering accounts, transactions, payments, and standing orders. The OBIE v3.1.10 standard is live and in enforcement. Variable Recurring Payments (VRP) is in commercial rollout.
Live · CMA9 Enforced
United States
CFPB Section 1033
The Consumer Financial Protection Bureau's Personal Financial Data Rights rule requires covered data providers to make consumer financial data available to authorised third parties via standardised APIs. FDX is the dominant technical standard. Phased compliance deadlines run 2026–2030 by institution size.
Phased · 2026–2030
Global · SWIFT
ISO 20022 CBPR+
SWIFT's Cross-Border Payments and Reporting Plus programme completed its migration November 2025. All SWIFT MT message types for payments and cash reporting are deprecated. Every correspondent bank on the network now sends and receives MX (ISO 20022 XML) messages exclusively.
Live · Migration Complete
United States · Federal Reserve
Fedwire ISO 20022
The Federal Reserve completed its Fedwire Funds Service migration to ISO 20022 in 2025, aligning the US large-value payment system with global RTGS standards. All Fedwire participants must now originate and receive pacs.008, pacs.009, and camt.054 messages.
Live · 2025 Migration
Global · OpenID Foundation
FAPI 1.0 & 2.0
The Financial-grade API security profile defines the OAuth 2.0 and OpenID Connect requirements for open banking APIs. FAPI 1.0 Advanced is mandated by UK OBIE and referenced by PSD3 RTS. FAPI 2.0 (Security Profile + Message Signing) is in adoption across AU CDR and UK's next-generation framework.
Active Adoption
Who This Hub Is For
Payments Engineer
Building open banking integrations
Validate ISO 20022 messages before they hit production, debug raw API responses in the JSON Visualizer, generate FAPI-compliant PKCE payloads, and test rate limit handling with the retry code generator — all without standing up a test environment.
Compliance Officer
Managing PSD3, CFPB 1033, or UK OB obligations
Use the Consent Dashboard Builder to prototype customer-facing permission UIs and generate per-jurisdiction compliance checklists. Generate portable consent receipts for audit trails. Map SCA exemption eligibility against EBA RTS 2023 thresholds.
Product Manager
Scoping open banking features
Use the Consent Scope Mapper to understand what permissions your product needs across jurisdictions, model VRP mandate structures for subscription and sweep use cases, and compare payment rail options for your target corridors — all without developer support.
Quick-Start Guide
Integrate a new open banking API in five steps
A practical workflow for engineers onboarding to a new open banking scheme or jurisdiction for the first time.
01
Identify your message format. If your rail uses ISO 20022, open Tool 98 — ISO 20022 Validator and paste your first message. The auto-detector will identify the message type (pacs.008, pain.001, camt.052, etc.) and flag any schema errors before you touch production.
02
Map your consent scopes. Open Tool 92 — SCA Exemption & Scope Mapper and enter your target jurisdiction. The Scope Mapper translates between UK OB v3.1, EU PSD3, AU CDR, and CFPB 1033/FDX permission strings and flags any deprecated scopes or jurisdiction conflicts.
03
Check SCA exemption eligibility. In the same tool, switch to the SCA Exemption Engine. Enter transaction amount, currency, MCC, and TRA rate to get a deterministic exemption ruling (Low Value, TRA, Trusted Beneficiary, or Corporate) with the precise threshold and fallback SCA requirement under EBA RTS 2023.
04
Explore mock API responses. Open Tool 10 — API Explorer to inspect well-formed UK OBReadTransaction6 and FDX API responses, understand the structural differences between jurisdictions, and generate retry-handling code for 429 throttle scenarios before you integrate against a live sandbox.
05
Validate account identifiers. Open Tool 16 — IBAN Validator to verify IBAN format and check-digit integrity for any destination account, perform BIC lookup, and confirm SEPA SCT or SEPA Instant reachability before initiating a payment instruction.
Related Tool Hubs