Basiq Affordability API

openapi: 3.0.3
info:
  title: Basiq Accounts Affordability API
  description: The Basiq API is an open banking and financial data platform providing unified access to Australian and New Zealand bank account data. It enables financial applications to retrieve account balances, transactions, income verification, and expense categorization via consumer-consented bank connections using CDR (Consumer Data Right) and third-party open banking standards.
  version: 3.0.0
  contact:
    name: Basiq Support
    url: https://basiq.io/contact
  termsOfService: https://basiq.io/legal/terms-of-use/
servers:
- url: https://au-api.basiq.io
  description: Basiq API (Australia)
security:
- BearerAuth: []
tags:
- name: Affordability
paths:
  /users/{userId}/income:
    get:
      operationId: getIncomeVerification
      summary: Get Income Verification
      description: Get income verification data derived from transaction analysis.
      tags:
      - Affordability
      parameters:
      - $ref: '#/components/parameters/UserId'
      responses:
        '200':
          description: Income verification report
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/IncomeVerification'
        '404':
          $ref: '#/components/responses/NotFound'
  /users/{userId}/expenses:
    get:
      operationId: getExpenses
      summary: Get Expenses
      description: Get categorized expense data derived from transaction analysis.
      tags:
      - Affordability
      parameters:
      - $ref: '#/components/parameters/UserId'
      responses:
        '200':
          description: Expense report
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExpenseReport'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  responses:
    NotFound:
      description: Resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
  parameters:
    UserId:
      name: userId
      in: path
      required: true
      description: Basiq user ID
      schema:
        type: string
  schemas:
    IncomeVerification:
      type: object
      properties:
        userId:
          type: string
        summary:
          type: object
          properties:
            regular:
              type: object
              properties:
                monthly:
                  type: number
                annual:
                  type: number
            irregular:
              type: object
              properties:
                monthly:
                  type: number
        incomeStreams:
          type: array
          items:
            type: object
            properties:
              source:
                type: string
              amount:
                type: number
              frequency:
                type: string
    ErrorResponse:
      type: object
      properties:
        type:
          type: string
        title:
          type: string
        code:
          type: string
        detail:
          type: string
        source:
          type: object
    ExpenseReport:
      type: object
      properties:
        userId:
          type: string
        summary:
          type: object
          properties:
            totalMonthly:
              type: number
        categories:
          type: array
          items:
            type: object
            properties:
              category:
                type: string
              amount:
                type: number
              percentage:
                type: number
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT