Fintecture Account Information Services API

openapi: 3.1.0
info:
  title: Fintecture Account Information Services API
  description: >
    PSD2 Account Information Services. Authenticates a PSU at their bank using
    either the redirect or decoupled (mobile-app) model, then retrieves bank
    accounts, balances, holders, and transactions. Also exposes the AIS-backed
    identity verification endpoint.
  version: "v2"
  contact:
    name: Fintecture Support
    url: https://fintecture.com/contact

servers:
  - url: https://api.fintecture.com
    description: Production
  - url: https://api-sandbox.fintecture.com
    description: Sandbox

security:
  - BearerAuth: []

tags:
  - name: Authentication
    description: PSU bank authentication
  - name: Accounts
    description: Bank accounts, balances, and holders
  - name: Transactions
    description: Account transactions
  - name: Verification
    description: AIS-based identity verification

paths:
  /ais/v1/provider/{provider_id}/authorize:
    get:
      summary: Get Provider Authorization
      description: >
        Authenticates a PSU at their bank for AIS access. Returns either a
        redirect URL or triggers a decoupled authentication request on the PSU's
        bank mobile app, depending on the model the bank supports.
      operationId: getAisV1ProviderAuthorization
      tags: [Authentication]
      parameters:
        - in: path
          name: provider_id
          required: true
          schema: { type: string }
        - in: query
          name: redirect_uri
          schema: { type: string, format: uri }
        - in: query
          name: state
          schema: { type: string }
        - in: query
          name: psu_type
          schema: { type: string, enum: [retail, corporate] }
      responses:
        '200':
          description: Authorization details
          content:
            application/json:
              schema: { $ref: '#/components/schemas/AuthorizationResponse' }

  /ais/v1/provider/{provider_id}/authorize/decoupled:
    get:
      summary: Get Decoupled Provider Authorization
      description: >
        Poll the authentication status within the decoupled model. Status moves
        from PENDING -> COMPLETED on success, or FAILED on timeout/cancellation.
      operationId: getAisV1ProviderAuthorizationDecoupled
      tags: [Authentication]
      parameters:
        - in: path
          name: provider_id
          required: true
          schema: { type: string }
        - in: query
          name: session_id
          required: true
          schema: { type: string }
      responses:
        '200':
          description: Decoupled status
          content:
            application/json:
              schema:
                type: object
                properties:
                  status:
                    type: string
                    enum: [PENDING, COMPLETED, FAILED]
                  code: { type: string }

  /ais/v2/connect:
    get:
      summary: Get AIS Connect Session
      description: Provides a connect session for a PSU to create a connection enabling AIS access.
      operationId: getAisV2Connect
      tags: [Authentication]
      parameters:
        - in: query
          name: redirect_uri
          schema: { type: string, format: uri }
        - in: query
          name: state
          schema: { type: string }
      responses:
        '200':
          description: Connect session URL
          content:
            application/json:
              schema:
                type: object
                properties:
                  meta:
                    type: object
                    properties:
                      session_id: { type: string }
                      url: { type: string, format: uri }

  /ais/v1/customer/{customer_id}:
    delete:
      summary: Delete Provider Connection
      description: Deletes all active access tokens and PSU data linked to the requested connection.
      operationId: deleteAisV1Customer
      tags: [Authentication]
      parameters:
        - $ref: '#/components/parameters/CustomerIdPath'
      responses:
        '204':
          description: Connection deleted

  /ais/v1/customer/{customer_id}/accounts:
    get:
      summary: Get All Accounts
      description: Returns all accounts linked to a specific connection.
      operationId: getAisV1CustomerAccounts
      tags: [Accounts]
      parameters:
        - $ref: '#/components/parameters/CustomerIdPath'
      responses:
        '200':
          description: Accounts list
          content:
            application/json:
              schema: { $ref: '#/components/schemas/AccountsList' }

  /ais/v1/customer/{customer_id}/account/{account_id}:
    get:
      summary: Get Specific Account
      description: Returns information for a specific account.
      operationId: getAisV1CustomerAccount
      tags: [Accounts]
      parameters:
        - $ref: '#/components/parameters/CustomerIdPath'
        - $ref: '#/components/parameters/AccountIdPath'
      responses:
        '200':
          description: Account details
          content:
            application/json:
              schema: { $ref: '#/components/schemas/Account' }

  /ais/v1/customer/{customer_id}/account/{account_id}/holders:
    get:
      summary: Get Account Holders
      description: Retrieves personal information of beneficiary owners — name, address, contact details.
      operationId: getAisV1CustomerAccountHolders
      tags: [Accounts]
      parameters:
        - $ref: '#/components/parameters/CustomerIdPath'
        - $ref: '#/components/parameters/AccountIdPath'
      responses:
        '200':
          description: Holders list
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    type: array
                    items: { $ref: '#/components/schemas/AccountHolder' }

  /ais/v1/customer/{customer_id}/account/{account_id}/transactions:
    get:
      summary: Get Account Transactions
      description: Returns all transactions linked to the requested account.
      operationId: getAisV1CustomerAccountTransactions
      tags: [Transactions]
      parameters:
        - $ref: '#/components/parameters/CustomerIdPath'
        - $ref: '#/components/parameters/AccountIdPath'
        - in: query
          name: from
          schema: { type: string, format: date }
        - in: query
          name: to
          schema: { type: string, format: date }
      responses:
        '200':
          description: Transaction list
          content:
            application/json:
              schema: { $ref: '#/components/schemas/TransactionList' }

  /ais/v1/verification:
    post:
      summary: Create AIS Identity Verification
      description: Identity verification based on AIS capabilities.
      operationId: createAisV1Verification
      tags: [Verification]
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                meta:
                  type: object
                  properties:
                    customer_id: { type: string }
                data:
                  type: object
                  properties:
                    attributes:
                      type: object
                      properties:
                        provider_id: { type: string }
                        expected_name: { type: string }
      responses:
        '200':
          description: Verification result
          content:
            application/json:
              schema: { $ref: '#/components/schemas/Verification' }

components:
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT

  parameters:
    CustomerIdPath:
      in: path
      name: customer_id
      required: true
      schema: { type: string }
    AccountIdPath:
      in: path
      name: account_id
      required: true
      schema: { type: string }

  schemas:
    AuthorizationResponse:
      type: object
      properties:
        meta:
          type: object
          properties:
            url: { type: string, format: uri }
            session_id: { type: string }
            decoupled: { type: boolean }

    Account:
      type: object
      properties:
        id: { type: string }
        iban: { type: string }
        bic: { type: string }
        currency: { type: string }
        balances:
          type: array
          items: { $ref: '#/components/schemas/Balance' }
        type:
          type: string
          enum: [CACC, SVGS, LOAN, CARD, OTHR]

    Balance:
      type: object
      properties:
        type:
          type: string
          enum: [available, current, closingBooked, expected]
        amount: { type: string }
        currency: { type: string }
        timestamp: { type: string, format: date-time }

    AccountsList:
      type: object
      properties:
        data:
          type: array
          items: { $ref: '#/components/schemas/Account' }

    AccountHolder:
      type: object
      properties:
        name: { type: string }
        address: { type: string }
        email: { type: string, format: email }
        phone: { type: string }

    Transaction:
      type: object
      properties:
        id: { type: string }
        amount: { type: string }
        currency: { type: string }
        booking_date: { type: string, format: date }
        value_date: { type: string, format: date }
        description: { type: string }
        type:
          type: string
          enum: [debit, credit]
        counterparty:
          type: object
          properties:
            name: { type: string }
            iban: { type: string }

    TransactionList:
      type: object
      properties:
        data:
          type: array
          items: { $ref: '#/components/schemas/Transaction' }
        meta:
          type: object
          properties:
            count: { type: integer }

    Verification:
      type: object
      properties:
        id: { type: string }
        status:
          type: string
          enum: [verified, unverified, pending, failed]
        match_score: { type: number }
        verified_at: { type: string, format: date-time }