Temenos Transact

Temenos Transact Loans API

Create and manage loan arrangements, credit facilities, repayment schedules, drawdowns, and loan lifecycle operations.

Documentation GitHub OpenAPI

Business capability

Loan Servicing Management BC-1320.30

Operations 2

GET /holdings/loans Temenos Transact List Loans #

GET /holdings/loans/{loanId} Temenos Transact Get Loan Details #

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OpenAPI Specification

openapi: 3.2.0
info:
  title: Temenos Transact Core Banking Loans API
  description: RESTful APIs for Temenos Transact (formerly T24) core banking operations.
  version: 1.0.0
  contact:
    name: Temenos Developer Support
    url: https://developer.temenos.com/
    email: api.support@temenos.com
  license:
    name: Temenos Terms of Service
    url: https://www.temenos.com/terms-of-service/
  termsOfService: https://www.temenos.com/terms-of-service/
servers:
- url: https://api.temenos.com/api/v1.0.0
  description: Temenos Transact API - Production
- url: https://sandbox.temenos.com/api/v1.0.0
  description: Temenos Transact API - Sandbox
security:
- bearerAuth: []
tags:
- name: Loans
  description: Create and manage loan arrangements, credit facilities, repayment schedules, drawdowns, and loan lifecycle operations.
paths:
  /holdings/loans:
    get:
      operationId: getLoans
      summary: Temenos Transact List Loans
      description: Retrieve loan arrangements including personal loans, mortgages, credit facilities, and overdraft agreements. Supports filtering by customer, product type, status, and currency.
      tags:
      - Loans
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - $ref: '#/components/parameters/customerId'
      - name: productType
        in: query
        description: Filter by loan product type
        schema:
          type: string
      - name: status
        in: query
        description: Filter by loan status
        schema:
          type: string
          enum:
          - ACTIVE
          - MATURED
          - DELINQUENT
          - CLOSED
      responses:
        '200':
          description: Successful retrieval of loans
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/LoansResponse'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '500':
          $ref: '#/components/responses/InternalServerError'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
  /holdings/loans/{loanId}:
    get:
      operationId: getLoan
      summary: Temenos Transact Get Loan Details
      description: Retrieve detailed information for a specific loan arrangement including principal, outstanding balance, interest rate, repayment schedule, next payment date, and facility details.
      tags:
      - Loans
      parameters:
      - name: loanId
        in: path
        required: true
        description: Unique identifier of the loan arrangement
        schema:
          type: string
      responses:
        '200':
          description: Successful retrieval of loan details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/LoanDetailsResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
        '500':
          $ref: '#/components/responses/InternalServerError'
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
components:
  responses:
    BadRequest:
      description: Bad request - invalid parameters or malformed request
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
    InternalServerError:
      description: Internal server error
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
    Unauthorized:
      description: Authentication required or token expired
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
    NotFound:
      description: Requested resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
  parameters:
    customerId:
      name: customerId
      in: query
      description: Filter by customer identifier
      schema:
        type: string
    pageStart:
      name: page_start
      in: query
      description: Page token or offset for pagination
      schema:
        type: integer
        default: 0
        minimum: 0
    pageSize:
      name: page_size
      in: query
      description: Number of records to return per page (default 25, max 100)
      schema:
        type: integer
        default: 25
        minimum: 1
        maximum: 100
  schemas:
    Loan:
      type: object
      description: A loan arrangement in Temenos Transact
      properties:
        loanId:
          type: string
          description: Unique loan identifier
          example: '500123'
        customerId:
          type: string
          description: Customer identifier
          example: '500123'
        productId:
          type: string
          description: Loan product identifier
          example: '500123'
        productName:
          type: string
          description: Name of the loan product
          example: example_value
        principalAmount:
          type: number
          description: Original loan principal amount
          example: 42.5
        outstandingBalance:
          type: number
          description: Current outstanding balance
          example: 42.5
        currency:
          type: string
          description: Loan currency
          example: example_value
        interestRate:
          type: number
          description: Applied interest rate percentage
          example: 42.5
        effectiveRate:
          type: number
          description: Annual percentage rate (APR)
          example: 42.5
        disbursementDate:
          type: string
          format: date
          description: Date the loan was disbursed
          example: '2026-01-15'
        maturityDate:
          type: string
          format: date
          description: Loan maturity date
          example: '2026-01-15'
        nextPaymentDate:
          type: string
          format: date
          description: Next repayment due date
          example: '2026-01-15'
        nextPaymentAmount:
          type: number
          description: Next repayment amount due
          example: 42.5
        repaymentFrequency:
          type: string
          description: Frequency of loan repayments
          enum:
          - MONTHLY
          - QUARTERLY
          - SEMI_ANNUALLY
          - ANNUALLY
          example: MONTHLY
        status:
          type: string
          description: Loan status
          enum:
          - ACTIVE
          - MATURED
          - DELINQUENT
          - CLOSED
          - WRITTEN_OFF
          example: ACTIVE
        overdueAmount:
          type: number
          description: Amount currently overdue
          example: 42.5
        daysPastDue:
          type: integer
          description: Number of days past due
          example: 10
    LoansResponse:
      type: object
      properties:
        header:
          $ref: '#/components/schemas/ResponseHeader'
        body:
          type: array
          items:
            $ref: '#/components/schemas/Loan'
          example: []
        page:
          $ref: '#/components/schemas/PaginationInfo'
    LoanDetailsResponse:
      type: object
      properties:
        header:
          $ref: '#/components/schemas/ResponseHeader'
        body:
          $ref: '#/components/schemas/Loan'
    ResponseHeader:
      type: object
      description: Standard response header returned by all Transact API operations
      properties:
        id:
          type: string
          description: Unique identifier for the resource
          example: abc123
        status:
          type: string
          description: Status of the operation (success, error)
          enum:
          - success
          - error
          example: success
        transactionStatus:
          type: string
          description: Transaction lifecycle status
          enum:
          - Live
          - Unauth
          - Hold
          - Reversed
          example: Live
        audit:
          type: object
          properties:
            parseTime:
              type: integer
              description: Time taken to parse the request in milliseconds
            responseParse:
              type: integer
              description: Time taken to generate the response in milliseconds
          example: example_value
    PaginationInfo:
      type: object
      description: Pagination metadata for list responses
      properties:
        pageSize:
          type: integer
          description: Number of records per page
          example: 10
        pageStart:
          type: integer
          description: Current page offset
          example: 10
        totalRecords:
          type: integer
          description: Total number of records available
          example: 10
    ErrorResponse:
      type: object
      description: Standard error response structure
      required:
      - header
      properties:
        header:
          type: object
          properties:
            id:
              type: string
              description: Request identifier
            status:
              type: string
              description: Error status
              enum:
              - error
            transactionStatus:
              type: string
              description: Transaction status
          example: example_value
        error:
          type: object
          properties:
            type:
              type: string
              description: Error type classification
            message:
              type: string
              description: Human-readable error message
            code:
              type: string
              description: Machine-readable error code
            details:
              type: array
              description: Detailed error information
              items:
                type: object
                properties:
                  field:
                    type: string
                    description: Field that caused the error
                  message:
                    type: string
                    description: Field-level error message
                  code:
                    type: string
                    description: Field-level error code
          example: example_value
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: OAuth 2.0 Bearer token authentication. Obtain a token from the Temenos authentication endpoint using client credentials or authorization code flow.

Temenos Transact Loans API

Operations 2

Documentation

Specifications

Schemas & Data

Other Resources