Country-specific commercial and cloud banking APIs delivering front-to-back services for accounts, deposits, lending, trade finance, and payments with pre-wired APIs and regional regulatory compliance for markets including Australia, Canada, Mexico, UK, US, and more.
openapi: 3.1.0
info:
title: Temenos Cloud Banking (CMB) API
description: >-
Country-specific commercial and cloud banking APIs delivering front-to-back
services for accounts, deposits, lending, trade finance, and payments with
pre-wired APIs and regional regulatory compliance for markets including
Australia, Canada, Mexico, UK, US, and more. Provides pre-configured
banking products and workflows adapted for local regulations.
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/legal-information/website-terms-and-conditions/
termsOfService: https://www.temenos.com/legal-information/website-terms-and-conditions/
externalDocs:
description: Temenos CMB API Documentation
url: https://developer.temenos.com/cmb
servers:
- url: https://api.temenos.com/cmb/v1
description: Temenos Cloud Banking API - Production
security:
- bearerAuth: []
tags:
- name: Accounts
description: >-
Manage commercial banking accounts including current accounts,
savings accounts, and operational accounts with regional compliance.
- name: Deposits
description: >-
Manage deposit products including term deposits, demand deposits,
and certificates of deposit with country-specific terms.
- name: Lending
description: >-
Commercial lending operations including loan origination, facility
management, and repayment processing.
- name: Payments
description: >-
Country-specific payment processing including domestic and
international transfers with local clearing integration.
- name: Trade Finance
description: >-
Trade finance operations including letters of credit, guarantees,
documentary collections, and trade document management.
paths:
/accounts:
get:
operationId: listCmbAccounts
summary: List Commercial Banking Accounts
description: >-
Retrieve commercial banking accounts with country-specific product
details and regulatory compliance status.
tags:
- Accounts
parameters:
- $ref: '#/components/parameters/pageSize'
- $ref: '#/components/parameters/pageStart'
- name: customerId
in: query
description: Filter by customer
schema:
type: string
- name: region
in: query
description: Filter by regional market
schema:
type: string
responses:
'200':
description: Successful retrieval
content:
application/json:
schema:
type: object
properties:
header:
$ref: '#/components/schemas/PaginationHeader'
body:
type: array
items:
$ref: '#/components/schemas/CmbAccount'
'401':
$ref: '#/components/responses/Unauthorized'
post:
operationId: createCmbAccount
summary: Create Commercial Banking Account
description: >-
Create a new commercial banking account using pre-configured
regional product templates with local regulatory compliance.
tags:
- Accounts
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/CmbAccountCreate'
responses:
'201':
description: Account created
content:
application/json:
schema:
$ref: '#/components/schemas/CmbAccount'
'400':
$ref: '#/components/responses/BadRequest'
'401':
$ref: '#/components/responses/Unauthorized'
/deposits:
get:
operationId: listCmbDeposits
summary: List Deposits
description: >-
Retrieve deposit products with country-specific terms, rates,
and regulatory classification.
tags:
- Deposits
parameters:
- $ref: '#/components/parameters/pageSize'
- $ref: '#/components/parameters/pageStart'
responses:
'200':
description: Successful retrieval
content:
application/json:
schema:
type: object
properties:
header:
$ref: '#/components/schemas/PaginationHeader'
body:
type: array
items:
$ref: '#/components/schemas/CmbDeposit'
'401':
$ref: '#/components/responses/Unauthorized'
/lending/facilities:
get:
operationId: listLendingFacilities
summary: List Lending Facilities
description: >-
Retrieve commercial lending facilities including credit lines,
term loans, and revolving facilities with utilization details.
tags:
- Lending
parameters:
- $ref: '#/components/parameters/pageSize'
- $ref: '#/components/parameters/pageStart'
- name: customerId
in: query
description: Filter by customer
schema:
type: string
responses:
'200':
description: Successful retrieval
content:
application/json:
schema:
type: object
properties:
header:
$ref: '#/components/schemas/PaginationHeader'
body:
type: array
items:
$ref: '#/components/schemas/LendingFacility'
'401':
$ref: '#/components/responses/Unauthorized'
post:
operationId: createLendingFacility
summary: Create Lending Facility
description: >-
Originate a new lending facility with specified terms, collateral,
and repayment conditions.
tags:
- Lending
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/LendingFacilityCreate'
responses:
'201':
description: Facility created
content:
application/json:
schema:
$ref: '#/components/schemas/LendingFacility'
'400':
$ref: '#/components/responses/BadRequest'
'401':
$ref: '#/components/responses/Unauthorized'
/tradeFinance/lettersOfCredit:
get:
operationId: listLettersOfCredit
summary: List Letters Of Credit
description: >-
Retrieve letters of credit including import and export LCs
with their document status and amendment history.
tags:
- Trade Finance
parameters:
- $ref: '#/components/parameters/pageSize'
- $ref: '#/components/parameters/pageStart'
responses:
'200':
description: Successful retrieval
content:
application/json:
schema:
type: object
properties:
header:
$ref: '#/components/schemas/PaginationHeader'
body:
type: array
items:
$ref: '#/components/schemas/LetterOfCredit'
'401':
$ref: '#/components/responses/Unauthorized'
/tradeFinance/guarantees:
get:
operationId: listGuarantees
summary: List Guarantees
description: >-
Retrieve bank guarantees and standby letters of credit with
their terms, beneficiaries, and expiry dates.
tags:
- Trade Finance
parameters:
- $ref: '#/components/parameters/pageSize'
- $ref: '#/components/parameters/pageStart'
responses:
'200':
description: Successful retrieval
content:
application/json:
schema:
type: object
properties:
header:
$ref: '#/components/schemas/PaginationHeader'
body:
type: array
items:
$ref: '#/components/schemas/Guarantee'
'401':
$ref: '#/components/responses/Unauthorized'
/payments:
post:
operationId: createCmbPayment
summary: Create Payment
description: >-
Initiate a payment through country-specific clearing channels
with local regulatory validation and compliance checks.
tags:
- Payments
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/CmbPaymentCreate'
responses:
'201':
description: Payment initiated
content:
application/json:
schema:
$ref: '#/components/schemas/CmbPayment'
'400':
$ref: '#/components/responses/BadRequest'
'401':
$ref: '#/components/responses/Unauthorized'
components:
securitySchemes:
bearerAuth:
type: http
scheme: bearer
bearerFormat: JWT
parameters:
pageSize:
name: page_size
in: query
schema:
type: integer
minimum: 1
maximum: 100
default: 25
pageStart:
name: page_start
in: query
schema:
type: integer
minimum: 0
default: 0
responses:
BadRequest:
description: Invalid request
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
Unauthorized:
description: Authentication required
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
schemas:
PaginationHeader:
type: object
properties:
page_size:
type: integer
page_start:
type: integer
total_size:
type: integer
CmbAccount:
type: object
description: Commercial banking account
properties:
accountId:
type: string
description: Account identifier
customerId:
type: string
description: Customer identifier
productId:
type: string
description: Product identifier
accountType:
type: string
description: Account type
currency:
type: string
description: Account currency
balance:
type: number
format: double
description: Current balance
region:
type: string
description: Regional market
status:
type: string
description: Account status
CmbAccountCreate:
type: object
required:
- customerId
- productId
- currency
properties:
customerId:
type: string
description: Customer identifier
productId:
type: string
description: Regional product template
currency:
type: string
description: Account currency
pattern: '^[A-Z]{3}$'
CmbDeposit:
type: object
description: Deposit product
properties:
depositId:
type: string
description: Deposit identifier
customerId:
type: string
description: Customer identifier
amount:
type: number
format: double
description: Deposit amount
currency:
type: string
description: Currency
interestRate:
type: number
format: double
description: Interest rate
maturityDate:
type: string
format: date
description: Maturity date
status:
type: string
description: Deposit status
LendingFacility:
type: object
description: Commercial lending facility
properties:
facilityId:
type: string
description: Facility identifier
customerId:
type: string
description: Customer identifier
facilityType:
type: string
description: Facility type
enum:
- TERM_LOAN
- REVOLVING_CREDIT
- OVERDRAFT
- TRADE_FINANCE
currency:
type: string
description: Facility currency
approvedAmount:
type: number
format: double
description: Approved facility amount
utilizedAmount:
type: number
format: double
description: Current utilization
interestRate:
type: number
format: double
description: Interest rate
maturityDate:
type: string
format: date
description: Maturity date
status:
type: string
description: Facility status
LendingFacilityCreate:
type: object
required:
- customerId
- facilityType
- currency
- amount
properties:
customerId:
type: string
description: Customer identifier
facilityType:
type: string
description: Facility type
enum:
- TERM_LOAN
- REVOLVING_CREDIT
- OVERDRAFT
currency:
type: string
description: Currency
pattern: '^[A-Z]{3}$'
amount:
type: number
format: double
description: Requested amount
term:
type: integer
description: Term in months
LetterOfCredit:
type: object
description: Letter of credit
properties:
lcId:
type: string
description: LC identifier
lcType:
type: string
description: LC type
enum:
- IMPORT
- EXPORT
- STANDBY
applicant:
type: string
description: Applicant name
beneficiary:
type: string
description: Beneficiary name
amount:
type: number
format: double
description: LC amount
currency:
type: string
description: Currency
expiryDate:
type: string
format: date
description: Expiry date
status:
type: string
description: LC status
Guarantee:
type: object
description: Bank guarantee
properties:
guaranteeId:
type: string
description: Guarantee identifier
guaranteeType:
type: string
description: Guarantee type
applicant:
type: string
description: Applicant
beneficiary:
type: string
description: Beneficiary
amount:
type: number
format: double
description: Guarantee amount
currency:
type: string
description: Currency
expiryDate:
type: string
format: date
description: Expiry date
status:
type: string
description: Guarantee status
CmbPaymentCreate:
type: object
required:
- debitAccountId
- amount
- currency
properties:
debitAccountId:
type: string
description: Debit account
beneficiaryName:
type: string
description: Beneficiary name
beneficiaryAccountId:
type: string
description: Beneficiary account
amount:
type: number
format: double
description: Payment amount
currency:
type: string
description: Currency
pattern: '^[A-Z]{3}$'
reference:
type: string
description: Payment reference
CmbPayment:
type: object
description: Payment record
properties:
paymentId:
type: string
description: Payment identifier
debitAccountId:
type: string
description: Debit account
amount:
type: number
format: double
description: Amount
currency:
type: string
description: Currency
status:
type: string
description: Payment status
Error:
type: object
properties:
errorCode:
type: string
errorMessage:
type: string