openapi: 3.0.3
info:
title: CDR Banking Banking Account Balances Banking Products API
version: 1.36.0
description: Specifications for resource endpoints applicable to data holders in the Banking sector.
license:
name: MIT License
url: https://opensource.org/licenses/MIT
contact:
name: Data Standards Body
email: contact@dsb.gov.au
url: https://dsb.gov.au/
servers:
- description: MTLS
url: https://mtls.dh.example.com/cds-au/v1
tags:
- name: Banking Products
x-shortName: Products
description: Banking Product endpoints
paths:
/banking/products:
get:
servers:
- description: TLS
url: https://tls.dh.example.com/cds-au/v1
tags:
- Banking Products
summary: Get Products
description: 'Obtain a list of products that are currently openly offered to the market.
Note that the results returned by this endpoint are expected to be ordered in descending order according to _lastUpdated_.
### Conventions
In the product reference payloads there are a number of recurring conventions that are explained below.
#### Arrays Of Features
In the product detail payload there are a number of arrays articulating generic features, constraints, prices, etc. The intent of these arrays is as follows:
- Each element in an array has the same structure so that clients can reliably interpret the payloads
- Each element as a type element that is an enumeration of the specific aspect of a product being described, such as types of fees.
- Each element has a field named [_additionalValue_](#productfeaturetypedoc). This is a generic field with contents that will vary based on the type of object being described. The contents of this field for the `ADDITIONAL_CARDS` feature is the number of cards allowed while the contents of this field for the `MAX_LIMIT` constraint would be the maximum credit limit allowed for the product.
- An element in these arrays of the same type may appear more than once. For instance, a product may offer two separate loyalty programs that the customer can select from. A fixed term mortgage may have different rates for different term lengths.
- An element in these arrays may contain an _additionalInfo_ and _additionalInfoUri_ field. The _additionalInfo_ field is used to provide displayable text clarifying the purpose of the element in some way when the product is presented to a customer. The _additionalInfoUri_ provides a link to externally hosted information specifically relevant to that feature of the product.
- Depending on the type of data being represented there may be additional specific fields.
#### URIs To More Information
As the complexities and nuances of a financial product can not easily be fully expressed in a data structure without a high degree of complexity it is necessary to provide additional reference information that a potential customer can access so that they are fully informed of the features and implications of the product. The payloads for product reference therefore contain numerous fields that are provided to allow the product holder to describe the product more fully using a web page hosted on their online channels.
These URIs do not need to all link to different pages. If desired, they can all link to a single hosted page and use different HTML anchors to focus on a specific topic such as eligibility or fees.
#### Linkage To Accounts
From the moment that a customer applies for a product and an account is created the account and the product that spawned it will diverge. Rates and features of the product may change and a discount may be negotiated for the account.
For this reason, while _productCategory_ is a common field between accounts and products, there is no specific ID that can be used to link an account to a product within the regime.
Similarly, many of the fields and objects in the product payload will appear in the account detail payload but the structures and semantics are not identical as one refers to a product that can potentially be originated and one refers to an account that actually has been instantiated and created along with the associated decisions inherent in that process.
#### Dates
It is expected that data consumers needing this data will call relatively frequently to ensure the data they have is representative of the current offering from a bank. To minimise the volume and frequency of these calls the ability to set a _lastUpdated_ field with the date and time of the last update to this product is included. A call for a list of products can then be filtered to only return products that have been updated since the last time that data was obtained using the _updated-since_ query parameter.
In addition, the concept of effective date and time has also been included. This allows for a product to be marked for obsolescence, or introduction, from a certain time without the need for an update to show that a product has been changed. The inclusion of these dates also removes the need to represent deleted products in the payload. Products that are no longer offered can be marked not effective for a few weeks before they are then removed from the product set as an option entirely.
Obsolete versions: [v1](includes/obsolete/get-products-v1.html), [v2](includes/obsolete/get-products-v2.html), [v3](includes/obsolete/get-products-v3.html), [v4](includes/obsolete/get-products-v4.html).'
operationId: listBankingProducts
parameters:
- name: effective
in: query
description: Allows for the filtering of products based on whether the current time is within the period of time defined as effective by the _effectiveFrom_ and _effectiveTo_ fields. Valid values are `CURRENT`, `FUTURE` and `ALL`. If absent defaults to `CURRENT`.
schema:
type: string
default: CURRENT
enum:
- ALL
- CURRENT
- FUTURE
- name: updated-since
in: query
description: Only include products that have been updated after the specified date and time. If absent defaults to include all products.
schema:
type: string
x-cds-type: DateTimeString
- name: brand
in: query
description: Filter results based on a specific brand.
schema:
type: string
- $ref: '#/components/parameters/QueryBankingProductCategory'
- $ref: '#/components/parameters/QueryPage'
- $ref: '#/components/parameters/QueryPageSize'
- $ref: '#/components/parameters/HeaderXV'
- $ref: '#/components/parameters/HeaderXMinV'
responses:
'200':
$ref: '#/components/responses/ListBankingProducts200'
'400':
$ref: '#/components/responses/ListBankingProducts400'
'406':
$ref: '#/components/responses/ListBankingProducts406'
'422':
$ref: '#/components/responses/ListBankingProducts422'
x-version: '5'
/banking/products/{productId}:
get:
servers:
- description: TLS
url: https://tls.dh.example.com/cds-au/v1
tags:
- Banking Products
summary: Get Product Detail
description: 'Obtain detailed information on a single product offered openly to the market.
Obsolete versions: [v1](includes/obsolete/get-product-detail-v1.html), [v2](includes/obsolete/get-product-detail-v2.html), [v3](includes/obsolete/get-product-detail-v3.html), [v4](includes/obsolete/get-product-detail-v4.html), [v5](includes/obsolete/get-product-detail-v5.html), [v6](includes/obsolete/get-product-detail-v6.html).'
operationId: getBankingProductDetail
parameters:
- name: productId
in: path
description: The _productId_ to obtain data for. _productId_ values are returned by product list endpoints.
required: true
schema:
$ref: '#/components/schemas/BankingProductId'
x-cds-type: ASCIIString
- $ref: '#/components/parameters/HeaderXV'
- $ref: '#/components/parameters/HeaderXMinV'
responses:
'200':
$ref: '#/components/responses/GetBankingProductDetail200'
'400':
$ref: '#/components/responses/GetBankingProductDetail400'
'404':
$ref: '#/components/responses/GetBankingProductDetail404'
'406':
$ref: '#/components/responses/GetBankingProductDetail406'
x-version: '7'
components:
schemas:
BankingProductAdditionalInformationV2_additionalInformationUris:
required:
- additionalInfoUri
type: object
properties:
description:
type: string
description: Display text providing more information about the document URI.
additionalInfoUri:
type: string
description: The URI describing the additional information.
x-cds-type: URIString
BankingProductId:
type: string
description: A data holder-specific unique identifier for a Banking product. This identifier must be unique to a product but does not otherwise need to adhere to ID permanence guidelines.
x-cds-type: ASCIIString
BankingProductDiscountV2:
description: Note that the currency of the fee discount is expected to be the same as the currency of the fee itself.
required:
- description
- discountType
- discountMethodUType
type: object
properties:
description:
type: string
description: Description of the discount.
discountType:
type: string
description: The type of discount. For further details, refer to [Product Discount Types](#tocSproductdiscounttypedoc).
enum:
- BALANCE
- DEPOSITS
- ELIGIBILITY_ONLY
- FEE_CAP
- PAYMENTS
discountMethodUType:
type: string
description: Reference to the applicable fee discount method structure.
enum:
- fixedAmount
- rateBased
fixedAmount:
description: Mandatory if the _discountMethodUType_ value is `fixedAmount`. Where the discount is a specific amount.
allOf:
- $ref: '#/components/schemas/BankingFeeDiscountAmount'
rateBased:
description: Mandatory if the _discountMethodUType_ value is `rateBased`. Where the discount is based on a type of rate. Unless noted in _additionalInfo_, assumes the application and calculation frequency are the same as the corresponding fee.
allOf:
- $ref: '#/components/schemas/BankingFeeDiscountRate'
additionalValue:
type: string
description: Generic field containing additional information relevant to the [_discountType_](#tocSproductdiscounttypedoc) specified. Whether mandatory or not is dependent on the value of [_discountType_](#tocSproductdiscounttypedoc).
additionalInfo:
type: string
description: Display text providing more information on the discount.
additionalInfoUri:
type: string
description: Link to a web page with more information on this discount.
x-cds-type: URIString
eligibility:
type: array
description: Eligibility constraints that apply to this discount. Mandatory if the [_discountType_](#tocSproductdiscounttypedoc) value is `ELIGIBILITY_ONLY`.
items:
$ref: '#/components/schemas/BankingProductDiscountEligibility'
x-conditional:
- fixedAmount
- rateBased
- additionalValue
- eligibility
Meta:
type: object
BankingFeeDiscountRate:
type: object
required:
- rateType
- rate
properties:
rateType:
type: string
description: Type of fee rate discount calculation.<ul><li>`BALANCE` A fee rate discount based on a balance</li><li>`FEE` A fee rate discount based on the fee to which the discount is attached</li><li>`INTEREST_ACCRUED` A fee rate discount based on interest accrued</li><li>`TRANSACTION` A fee rate discount based on a transaction.</li></ul>
enum:
- BALANCE
- FEE
- INTEREST_ACCRUED
- TRANSACTION
rate:
type: string
x-cds-type: RateString
description: The fee rate discount calculated according to the _rateType_.
amountRange:
$ref: '#/components/schemas/BankingFeeDiscountRange'
Links:
required:
- self
type: object
properties:
self:
type: string
description: Fully qualified link that generated the current response document.
x-cds-type: URIString
BankingProductEligibilityV2:
required:
- eligibilityType
type: object
properties:
eligibilityType:
type: string
description: The type of eligibility criteria described. For further details, refer to [Product Eligibility Types](#tocSproducteligibilitytypedoc).
enum:
- BUSINESS
- EMPLOYMENT_STATUS
- MAX_AGE
- MIN_AGE
- MIN_INCOME
- MIN_TURNOVER
- NATURAL_PERSON
- OTHER
- PENSION_RECIPIENT
- RESIDENCY_STATUS
- STAFF
- STUDENT
additionalValue:
type: string
description: Generic field containing additional information relevant to the [_eligibilityType_](#tocSproducteligibilitytypedoc) specified. Whether mandatory or not is dependent on the value of [_eligibilityType_](#tocSproducteligibilitytypedoc).
additionalInfo:
type: string
description: Display text providing more information on the [eligibility](#tocSproducteligibilitytypedoc) criteria. Mandatory if the [_eligibilityType_](#tocSproducteligibilitytypedoc) value is `OTHER`.
additionalInfoUri:
type: string
description: Link to a web page with more information on this eligibility criteria.
x-cds-type: URIString
x-conditional:
- additionalValue
- additionalInfo
ResponseBankingProductByIdV7:
required:
- data
- links
type: object
properties:
data:
$ref: '#/components/schemas/BankingProductDetailV7'
links:
$ref: '#/components/schemas/Links'
meta:
$ref: '#/components/schemas/Meta'
LinksPaginated:
required:
- self
type: object
properties:
self:
type: string
description: Fully qualified link that generated the current response document.
x-cds-type: URIString
first:
type: string
description: URI to the first page of this set. Mandatory if this response is not the first page.
x-cds-type: URIString
prev:
type: string
description: URI to the previous page of this set. Mandatory if this response is not the first page.
x-cds-type: URIString
next:
type: string
description: URI to the next page of this set. Mandatory if this response is not the last page.
x-cds-type: URIString
last:
type: string
description: URI to the last page of this set. Mandatory if this response is not the last page.
x-cds-type: URIString
x-conditional:
- prev
- next
- first
- last
BankingFeeRate:
type: object
required:
- rateType
- rate
properties:
rateType:
type: string
description: Type of fee rate calculation.<ul><li>`BALANCE` A fee rate based on a balance</li><li>`INTEREST_ACCRUED` A fee rate based on interest accrued</li><li>`TRANSACTION` A fee rate based on a transaction.</li></ul>
enum:
- BALANCE
- INTEREST_ACCRUED
- TRANSACTION
rate:
type: string
x-cds-type: RateString
description: The fee rate calculated according to the _rateType_.
accrualFrequency:
type: string
description: The indicative frequency with which the fee is calculated on the account if applicable. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).
x-cds-type: ExternalRef
amountRange:
$ref: '#/components/schemas/BankingFeeRange'
x-conditional:
- balanceRate
- transactionRate
- accruedRate
BankingProductAdditionalInformationV2:
type: object
properties:
overviewUri:
type: string
description: General overview of the product. Mandatory if _additionalOverviewUris_ includes one or more supporting documents.
x-cds-type: URIString
termsUri:
type: string
description: Terms and conditions for the product. Mandatory if _additionalTermsUris_ includes one or more supporting documents.
x-cds-type: URIString
eligibilityUri:
type: string
description: Eligibility rules and criteria for the product. Mandatory if _additionalEligibilityUris_ includes one or more supporting documents.
x-cds-type: URIString
feesAndPricingUri:
type: string
description: Description of fees, pricing, discounts, exemptions and bonuses for the product. Mandatory if _additionalFeesAndPricingUris_ includes one or more supporting documents.
x-cds-type: URIString
bundleUri:
type: string
description: Description of a bundle that this product can be part of. Mandatory if _additionalBundleUris_ includes one or more supporting documents.
x-cds-type: URIString
additionalOverviewUris:
type: array
description: An array of additional general overviews for the product or features of the product, if applicable. To be treated as secondary documents to the _overviewUri_. Only to be used if there is a primary _overviewUri_.
items:
$ref: '#/components/schemas/BankingProductAdditionalInformationV2_additionalInformationUris'
additionalTermsUris:
type: array
description: An array of additional terms and conditions for the product, if applicable. To be treated as secondary documents to the _termsUri_. Only to be used if there is a primary _termsUri_.
items:
$ref: '#/components/schemas/BankingProductAdditionalInformationV2_additionalInformationUris'
additionalEligibilityUris:
type: array
description: An array of additional eligibility rules and criteria for the product, if applicable. To be treated as secondary documents to the _eligibilityUri_. Only to be used if there is a primary _eligibilityUri_.
items:
$ref: '#/components/schemas/BankingProductAdditionalInformationV2_additionalInformationUris'
additionalFeesAndPricingUris:
type: array
description: An array of additional fees, pricing, discounts, exemptions and bonuses for the product, if applicable. To be treated as secondary documents to the _feesAndPricingUri_. Only to be used if there is a primary _feesAndPricingUri_.
items:
$ref: '#/components/schemas/BankingProductAdditionalInformationV2_additionalInformationUris'
additionalBundleUris:
type: array
description: An array of additional bundles for the product, if applicable. To be treated as secondary documents to the _bundleUri_. Only to be used if there is a primary _bundleUri_.
items:
$ref: '#/components/schemas/BankingProductAdditionalInformationV2_additionalInformationUris'
description: Object that contains links to additional information on specific topics.
x-conditional:
- overviewUri
- termsUri
- eligibilityUri
- feesAndPricingUri
- bundleUri
BankingProductDepositRateV2:
required:
- depositRateType
- rate
- applicationType
type: object
properties:
depositRateType:
type: string
description: The type of rate (`FIXED`, `VARIABLE`, `BONUS`, etc.) For further details, refer to [Product Deposit Rate Types](#tocSproductdepositratetypedoc).
enum:
- BONUS
- BUNDLE_BONUS
- FIXED
- FLOATING
- INTRODUCTORY
- MARKET_LINKED
- VARIABLE
example: VARIABLE
rate:
type: string
description: The rate to be applied.
x-cds-type: RateString
calculationFrequency:
type: string
description: The period after which the rate is applied to the balance to calculate the amount due for the period. Calculation of the amount is often daily (as balances may change) but accumulated until the total amount is 'applied' to the account (see _applicationFrequency_). Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).
x-cds-type: ExternalRef
applicationType:
type: string
description: The type of approach used to apply the rate to the account.
enum:
- MATURITY
- PERIODIC
- UPFRONT
example: PERIODIC
applicationFrequency:
type: string
description: The period after which the calculated amount(s) (see _calculationFrequency_) are 'applied' (i.e. debited or credited) to the account. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax). Mandatory if the _applicationType_ value is `PERIODIC`.
x-cds-type: ExternalRef
tiers:
type: array
description: Qualifying criteria or conditions relevant to the associated rate.
items:
$ref: '#/components/schemas/BankingProductRateTierV4'
applicabilityConditions:
type: array
description: Applicability conditions for the rate.
items:
$ref: '#/components/schemas/BankingProductRateConditionV2'
additionalValue:
type: string
description: Generic field containing additional information relevant to the [_depositRateType_](#tocSproductdepositratetypedoc) specified. Whether mandatory or not is dependent on the value of [_depositRateType_](#tocSproductdepositratetypedoc).
additionalInfo:
type: string
description: Display text providing more information on the rate.
additionalInfoUri:
type: string
description: Link to a web page with more information on this rate.
x-cds-type: URIString
x-conditional:
- additionalValue
- applicationFrequency
ErrorV2:
type: object
required:
- code
- title
- detail
x-conditional:
- meta
properties:
code:
type: string
description: The code of the error encountered. Where the error is specific to the respondent, an application-specific error code, expressed as a string value. If the error is application-specific, the URN code that the specific error extends must be provided in the _meta_ object. Otherwise, the value is the error code URN.
title:
type: string
description: A short, human-readable summary of the problem that **MUST NOT** change from occurrence to occurrence of the problem represented by the error code.
detail:
type: string
description: A human-readable explanation specific to this occurrence of the problem.
meta:
type: object
x-conditional:
- urn
description: Additional data for customised error codes.
properties:
urn:
type: string
description: The CDR error code URN which the application-specific error code extends. Mandatory if the error _code_ is an application-specific error rather than a standardised error code.
BankingProductInstalments:
description: Details of instalment features on the account.
required:
- minimumSplit
- maximumSplit
type: object
properties:
maximumConcurrentPlans:
type: integer
description: Maximum number of concurrent active instalment plans that may be created on the account. If `null`, there is no predetermined maximum number.
x-cds-type: NaturalNumber
instalmentsLimit:
type: string
description: Maximum combined limit of all instalment plans that may be created on the account. If `null` or not present, an opened account balance _creditLimit_ may be assumed to provide a maximum limit for instalments.
x-cds-type: AmountString
minimumPlanValue:
type: string
description: Minimum value that can be opened as an instalment plan.
x-cds-type: AmountString
maximumPlanValue:
type: string
description: Maximum value that can be opened as an instalment plan. If `null` or not present, _instalmentsLimit_ is assumed to be the maximum individual plan value.
x-cds-type: AmountString
minimumSplit:
type: integer
description: Minimum number of instalment payments a plan can be created with.
x-cds-type: PositiveInteger
example: 4
maximumSplit:
type: integer
description: Maximum number of instalment payments a plan can be created with.
x-cds-type: PositiveInteger
example: 4
BankingProductLendingRateV3:
required:
- lendingRateType
- rate
- applicationType
- repaymentType
- loanPurpose
type: object
properties:
lendingRateType:
type: string
description: The type of rate (`FIXED`, `VARIABLE`, etc.) For further details, refer to [Product Lending Rate Types](#tocSproductlendingratetypedoc).
enum:
- BALANCE_TRANSFER
- BUNDLE_DISCOUNT_FIXED
- BUNDLE_DISCOUNT_VARIABLE
- CASH_ADVANCE
- DISCOUNT
- FIXED
- FLOATING
- INTRODUCTORY
- MARKET_LINKED
- PENALTY
- PURCHASE
- VARIABLE
example: FIXED
rate:
type: string
description: The rate to be applied.
x-cds-type: RateString
comparisonRate:
type: string
description: A comparison rate equivalent for this rate.
x-cds-type: RateString
calculationFrequency:
type: string
description: The period after which the rate is applied to the balance to calculate the amount due for the period. Calculation of the amount is often daily (as balances may change) but accumulated until the total amount is 'applied' to the account (see _applicationFrequency_). Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).
x-cds-type: ExternalRef
applicationType:
type: string
description: The type of approach used to apply the rate to the account.
enum:
- MATURITY
- PERIODIC
- UPFRONT
example: PERIODIC
applicationFrequency:
type: string
description: The period after which the calculated amount(s) (see _calculationFrequency_) are 'applied' (i.e. debited or credited) to the account. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax). Mandatory if the _applicationType_ value is `PERIODIC`.
x-cds-type: ExternalRef
interestPaymentDue:
type: string
description: When loan payments are due to be paid within each period. The investment benefit of earlier payments affect the rate that can be offered.
enum:
- IN_ADVANCE
- IN_ARREARS
repaymentType:
type: string
description: Option in place for repayments.
enum:
- INTEREST_ONLY
- OTHER
- PRINCIPAL_AND_INTEREST
- UNCONSTRAINED
loanPurpose:
type: string
description: The reason for taking out the loan.
enum:
- INVESTMENT
- OTHER
- OWNER_OCCUPIED
- UNCONSTRAINED
tiers:
type: array
description: Qualifying criteria or conditions relevant to the associated rate.
items:
$ref: '#/components/schemas/BankingProductRateTierV4'
applicabilityConditions:
type: array
description: Applicability conditions for the rate.
items:
$ref: '#/components/schemas/BankingProductRateConditionV2'
additionalValue:
type: string
description: Generic field containing additional information relevant to the [_lendingRateType_](#tocSproductlendingratetypedoc) specified. Whether mandatory or not is dependent on the value of [_lendingRateType_](#tocSproductlendingratetypedoc).
additionalInfo:
type: string
description: Display text providing more information on the rate.
additionalInfoUri:
type: string
description: Link to a web page with more information on this rate.
x-cds-type: URIString
x-conditional:
- additionalValue
- applicationFrequency
BankingProductDiscountEligibility:
required:
- discountEligibilityType
type: object
properties:
discountEligibilityType:
type: string
description: The type of the specific eligibility constraint for a discount. For further details, refer to [Product Discount Eligibility Types](#tocSproductdiscounteligibilitydoc).
enum:
- BUSINESS
- EMPLOYMENT_STATUS
- INTRODUCTORY
- MAX_AGE
- MIN_AGE
- MIN_INCOME
- MIN_TURNOVER
- NATURAL_PERSON
- OTHER
- PENSION_RECIPIENT
- RESIDENCY_STATUS
- STAFF
- STUDENT
additionalValue:
type: string
description: Generic field containing additional information relevant to the [_discountEligibilityType_](#tocSproductdiscounteligibilitydoc) specified. Whether mandatory or not is dependent on the value of [_discountEligibilityType_](#tocSproductdiscounteligibilitydoc).
additionalInfo:
type: string
description: Display text providing more information on this eligibility constraint. Mandatory if the [_discountEligibilityType_](#tocSproductdiscounteligibilitydoc) value is `OTHER`.
additionalInfoUri:
type: string
description: Link to a web page with more information on this eligibility constraint.
x-cds-type: URIString
x-conditional:
- additionalInfo
- additionalValue
BankingProductRateTierV4:
required:
- minimumValue
- name
- unitOfMeasure
type: object
properties:
name:
type: string
description: A display name for the tier.
unitOfMeasure:
type: string
description: The unit of measure that applies to the _minimumValue_ and _maximumValue_ values, e.g.,<ul><li>`DOLLAR` for a dollar amount (with values in AmountString format)<li>`PERCENT` for Loan-to-Value Ratio or LVR (with values in RateString format)<li>`MONTH` or `DAY` for a period representing a discrete number of months or days for a fixed-term deposit or loan (with values as a string containing a positive integer).</ul>
enum:
- DAY
- DOLLAR
- MONTH
- PERCENT
minimumValue:
type: string
description: The number of _unitOfMeasure_ units that form the lower bound of the tier. The tier should be inclusive of this value.
maximumValue:
type: string
description: 'The number of _unitOfMeasure_ units that form the upper bound of the tier or band. For a tier with a discrete value (as opposed to a range of values e.g., 1 month) this must be the same as _minimumValue_. Where this is the same as the _minimumValue_ value of the next-higher tier the referenced tier should be exc
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# Full source: https://raw.githubusercontent.com/api-evangelist/bcu-bank/refs/heads/main/openapi/bcu-bank-banking-products-api-openapi.yml