---
name: domain-fintech-banking-apis
description: Guides banking API integration: Open Banking standards (PSD2, UK Open Banking, FDX), Plaid integration (Link, transactions, balance, identity), account aggregation, payment initiation (PISP), account information (AISP), BaaS platforms (Unit, Synapse, Column), and API security (mTLS, OAuth2, FAPI). Use when integrating with banking services.
allowed-tools: Read, Grep, Glob, Bash
---

# Banking APIs

## When to use
- Integrating with PSD2, UK Open Banking, or FDX APIs
- Setting up Plaid Link, transaction sync, or webhook processing
- Implementing payment initiation (ACH, SEPA, Faster Payments)
- Choosing or evaluating a BaaS provider (Unit, Column)
- Securing bank API connections with mTLS, OAuth2, or FAPI
- Building account aggregation with multi-provider fallback

## Core principles
1. **Never expose access tokens client-side** — exchange public_token server-side, store encrypted
2. **Idempotent webhook processing** — banking events are delivered at-least-once; deduplicate always
3. **Consent is time-limited and revocable** — model consent lifecycle explicitly, not as a boolean flag
4. **Multi-provider normalization** — abstract provider differences behind a unified internal schema
5. **FAPI > plain OAuth2** — financial-grade APIs require sender-constrained tokens and signed requests

## Reference Files
- `references/open-banking-standards.md` — PSD2 (Berlin Group, STET, PolishAPI), UK Open Banking, FDX, AISP consent management and data categories
- `references/plaid-integration.md` — Plaid Link flow, core products (transactions, balance, identity, auth), webhook handling, multi-provider aggregation patterns
- `references/payment-initiation.md` — payment types (ACH, SEPA, Faster Payments), ACH origination, payment status lifecycle, BaaS platform selection (Unit, Column)
- `references/api-security.md` — mTLS with eIDAS QWAC, OAuth 2.0 flows for banking, FAPI 1.0 Advanced requirements (JARM, PAR, DPoP, sender-constrained tokens)


---
Source attribution: rnavarych
Original project: https://github.com/rnavarych/alpha-engineer/blob/c5b74102c7fd584af3d344ba7c331a7bbec3c729/plugins/domains/domain-fintech/skills/banking-apis/SKILL.md
License: MIT
License information: https://opensource.org/license/mit
Original upstream instructions; downloaded from Mega AI Hub.

## Upstream license notice

MIT License

Copyright (c) 2026 Raman Navarych

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.



# Mega AI Hub resource metadata

Creator / publisher: rnavarych
Original project: https://github.com/rnavarych/alpha-engineer/blob/c5b74102c7fd584af3d344ba7c331a7bbec3c729/plugins/domains/domain-fintech/skills/banking-apis/SKILL.md
Attribution basis: Source repository record

Fields of work: Finance & Accounting, Marketing, Sales
Roles: Business Development, Financial Analyst, Growth Marketer, Product Marketer, Sales Engineer
Specialties: API
Tools: Plaid
Country applicability: United Kingdom, United States
Classification basis: Source catalog labels
Instruction SHA-256: da488ea0db8a5de71f3b47e5359a3dfc73e0678a4ae85d14cae739cf364599d9