first direct Payment Initiation API (PIS)
OBIE Read/Write Payment Initiation (PIS) API for first direct accounts, exposed through HSBC's developer platform. FAPI-secured with OAuth2/OIDC, mutual-TLS and PSD2 strong customer authentication; requires FCA/TPP onboarding and OBIE/eIDAS certificates. OpenAPI pointer is the shared OBIE Read/Write standard, not a first-direct-proprietary contract.