token-io Banks v2 API

openapi: 3.0.1
info:
  title: Token.io's Open Banking API for TPPs Account on File Banks v2 API
  description: '<b>Token.io''s Open Banking API</b><br/><br/>Token.io Support: <a href="https://support.token.io" target="_blank">support.token.io</a><br/><br/>The Token.io Open Banking API enables you to connect securely with banks for a range of services.<br/><br/> Using our API you can: <ul><li>provide authorized access to an authenticated user''s account information</li><li>get information on specific banks</li><li>initiate authorization with a user-selected bank</li><li>initate and track single immediate payments and future dated payments</li><li>use variable recurring payments (VRP) to grant long-held consents to Payment Initiation Service Providers (PISPs) to initiate series of payments from users'' bank accounts</li><li>carry out settlements, payments and refunds using our settlement accounts</li></ul><br/>For more information see our <a href="https://developer.token.io/token_rest_api_doc/content/e-rest/dashboard-intro.htm" target="_blank">developer documentation</a>.'
  version: ''
servers:
- url: https://api.token.io
tags:
- name: Banks v2
  description: This endpoint filters and fetches the list of connected banks, gets information on specific banks, and initiates authorization with user-selected banks using Payments v2.
paths:
  /v2/banks:
    get:
      tags:
      - Banks v2
      summary: Get banks v2
      description: The `GET /v2/banks` endpoint retrieves a list of connected banks matching the parameters specified.
      operationId: GetBanksv2
      parameters:
      - name: page
        in: query
        description: The index of the page currently being retrieved.
        required: false
        style: form
        explode: true
        schema:
          type: integer
          format: int32
      - name: perPage
        in: query
        description: The number of records per page.
        required: false
        style: form
        explode: true
        schema:
          type: integer
          format: int32
          default: 200
          example: 10
      - name: sort
        in: query
        description: The key to sort the result. This can be `NAME` (Bank's name), `STANDARD` (OpenBankingStandard), `RANK`, or `COUNTRY`.
        required: false
        style: form
        explode: true
        schema:
          type: string
          enum:
          - COUNTRY
          - STANDARD
          - RANK
          - NAME
          example: COUNTRY
          default: NAME
      - name: memberId
        in: query
        description: The Token.io-assigned member id of the TPP.
        required: false
        style: form
        explode: true
        schema:
          type: string
      - name: tppId
        in: query
        description: Filters for banks for which the TPP represented by this `tppId` has access.
        required: false
        style: form
        explode: true
        schema:
          type: string
      - name: ids
        in: query
        description: Filters for banks with a `bankId` (case-insensitive) matching any of the ids listed, up to a maximum of 1000. Only exact (full string) matches are returned.
        required: false
        style: form
        explode: true
        schema:
          type: array
          items:
            type: string
      - name: search
        in: query
        description: Filters for banks with a name or identifiers containing this search string.
        required: false
        style: form
        explode: true
        schema:
          type: string
          example: hsbc
      - name: bankGroup
        in: query
        description: Filters for banks that are members of the bank group specified.
        required: false
        style: form
        explode: true
        schema:
          type: string
        example:
        - HSBC
        - Coop
      - name: bankSubGroup
        in: query
        description: Filters for banks that are part of the bank sub-group specified.
        required: false
        style: form
        explode: true
        schema:
          type: string
        example:
        - CMM Grand
        - Banque Populaire
        - La Banque
      - name: bankCode
        in: query
        description: Filters for banks with a BIC (or BLZ, if German) that matches this `bankCode`. The BIC must have a string length of 8 or 11. The BLZ must have a string length of 8.
        required: false
        style: form
        explode: true
        schema:
          type: string
      - name: openBankingStandards
        in: query
        description: Filters for banks that are accessed through any of the listed standards.
        required: false
        style: form
        explode: true
        schema:
          type: array
          items:
            type: string
            enum:
            - UK_Open_Banking_Standard
            - Starling_Bank_API
            - PolishAPI
            - STET_PSD2_API
            - Citi_Handlowy_PSD2_API
            - NextGenPSD2
            - Slovak_Banking_API_Standard
            - Czech_Open_Banking_Standard
            - American_Express_PSD2_API
            - Budapest_Bank_API
            - Token
            example: UK_Open_Banking_Standard
            default: UK_Open_Banking_Standard
      - name: countries
        in: query
        description: Filters for banks that are located in the countries specified by this list of two-letter country code in upper case (ISO 3166-1 alpha-2).
        required: false
        style: form
        explode: true
        schema:
          type: array
          items:
            type: string
      - name: bics
        in: query
        description: Filters for banks whose BIC matches any of the listed BICs (case-insensitive), up to a maximum of 1000.
        required: false
        style: form
        explode: true
        schema:
          type: array
          items:
            type: string
            example: BKENGB2L
      - name: supportedLocalInstruments
        in: query
        description: Filters for banks that support any of the listed payment networks.
        required: false
        style: form
        explode: true
        schema:
          type: array
          items:
            type: string
        example:
        - SEPA
        - SEPA_INSTANT
        - FASTER_PAYMENTS
      - name: supportsAccountList
        in: query
        description: Filters for banks that support fetching accounts.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: supportsAccountDetails
        in: query
        description: Filters for banks that support fetching account details.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: supportsAccountBalance
        in: query
        description: Filters for banks that support fetching account balances.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: supportsTransactionList
        in: query
        description: Filters for banks that support fetching transactions.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: supportsTransactionDetails
        in: query
        description: Filters for banks that support fetching transaction details.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: supportsStandingOrderList
        in: query
        description: Filters for banks that support the fetching standing orders.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: supportsTransactionsDateFilter
        in: query
        description: Filters for banks that support feting transactions using a date filter.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: requiresOneStepPayment
        in: query
        description: Filters for banks that only support immediate redemption of transfers.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: supportsSinglePayment
        in: query
        description: Filters for banks that support single immediate payments.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
          example: true
      - name: supportsScheduledPayment
        in: query
        description: Filters for banks that support future dated scheduled payments.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: supportsStandingOrder
        in: query
        description: Filters for banks that support recurring payments/standing orders.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: supportsReturnRefundAccount
        in: query
        description: Filters for the banks that support request of refund account.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: supportsReturnRefundAccountHolderName
        in: query
        description: Filters for banks that support returning the refund account holder name.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: supportsFundsConfirmation
        in: query
        description: Filters for the banks that support confirmation of available funds.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      - name: supportsVariableRecurringPayment
        x-internal: true
        in: query
        description: Filters for banks that support variable recurring payments.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
          format: boolean
      responses:
        '200':
          description: Successful response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/GetBanksV2Response'
        '400':
          description: The client specified an invalid argument
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_400_2'
        '401':
          description: The authorization information is missing or invalid
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_401'
        '403':
          description: Permission to access this endpoint is denied
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_403'
        '500':
          description: An unexpected or internal server error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_500'
        '501':
          description: The operation was not implemented
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_501'
        '503':
          description: Service is unavailable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_503'
        '504':
          description: Gateway has timed out
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_504'
      deprecated: false
      security:
      - Bearer: []
      - BasicAuth: []
      x-hideTryItPanel: true
components:
  schemas:
    inline_response_500:
      properties:
        error:
          allOf:
          - type: object
            properties:
              errorCode:
                type: string
                description: This is a textual error code categorising the error.
                example: InternalServerError
          - $ref: '#/components/schemas/ServerError'
    BankV2:
      type: object
      properties:
        id:
          type: string
          description: The Token.io bank identifier.
          example: ob-modelo
        bic:
          type: string
          description: The Business Identifier Code (BIC), <a href="https://www.iso.org/standard/84108.html" target="_blank">ISO 9362</a>, is the SWIFT Address assigned to a bank in order to send automated payments quickly and accurately to the banks concerned. It uniquely identifies the name and country, (and sometimes the branch) of the bank involved. BICs are often called SWIFT Codes and can be either 8 or 11 characters long."
          example: BOFIIE2D
        name:
          type: string
          description: The commonly recognised name of the bank.
          example: GoldBank
        logoUri:
          type: string
          description: The URI of the location of the square bank avatar icon.
          example: https://example.com/path/full.png
        bankGroup:
          type: string
          description: The name of the banking group in which this bank holds membership.
          example: XYZ-Bank-Group
        bankSubGroup:
          type: string
          description: The name of the sub-banking group in which this bank holds membership.
          example: Sub-XYZ-Bank-Group
        countries:
          type: array
          description: A list of two-letter country code in upper case (ISO 3166-1 alpha-2), in which this bank operates.
          items:
            type: string
          example:
          - DE
          - IT
        openBankingStandard:
          $ref: '#/components/schemas/OpenBankingStandard'
        initialEmbeddedAuthFields:
          $ref: '#/components/schemas/RequiredField'
        mandatoryFields:
          $ref: '#/components/schemas/MandatoryFieldsv2'
        maintenanceWindow:
          $ref: '#/components/schemas/MaintenanceWindow'
        scaMethods:
          $ref: '#/components/schemas/scaMethod'
        fieldsFormatInformation:
          type: array
          description: Contains bank-dependent formatting constraints indicating allowable characters, if any.
          items:
            $ref: '#/components/schemas/FieldsFormatInformation'
        supportedLocalInstruments:
          type: array
          description: Payment methods/rails supported by the bank.
          example:
          - SEPA
          - SEPA_INSTANT
          - FASTER_PAYMENTS
          items:
            type: string
        operationalTime:
          type: string
          description: Specifies the bank’s days and hours of operation in a normal week. Does not take into account bank-specific public holidays, which may or may not be considered out-of-operation time.
          example: MON to FRI, 00:00 to 24:00 GMT+1
        transactionHistoryLimit:
          type: integer
          description: Defines the number of transaction history records allowed per page, -1 (unlimited) or a positive integer (record limit).
          format: int32
          example: 65
          default: -1
        supportsAccountList:
          type: boolean
          description: The bank connection supports fetching accounts.
          format: boolean
          example: true
        supportsAccountDetails:
          type: boolean
          description: The bank connection supports fetching account details.
          format: boolean
          example: true
        supportsAccountBalance:
          type: boolean
          description: The bank connection supports fetching account balances.
          format: boolean
          example: true
        supportsTransactionList:
          type: boolean
          description: The bank connection supports fetching transactions.
          format: boolean
          example: true
        supportsTransactionDetails:
          type: boolean
          description: The bank connection supports fetching transaction details.
          format: boolean
          example: true
        supportsStandingOrderList:
          type: boolean
          description: The bank connection supports the fetching standing orders.
          format: boolean
          example: true
        supportsTransactionsDateFilter:
          type: boolean
          description: The bank connection supports feting transactions using a date filter.
          format: boolean
          example: true
        requiresOneStepPayment:
          type: boolean
          description: The bank connection only supports immediate redemption of transfers.
          format: boolean
          example: true
        supportsSinglePayment:
          type: boolean
          description: The bank connection supports single immediate payments.
          format: boolean
          example: true
        supportsScheduledPayment:
          type: boolean
          description: The bank connection supports future dated scheduled payments.
          format: boolean
          example: true
        supportsSendPayment:
          type: boolean
          description: The bank connection supports payment initiation.
          format: boolean
          example: false
          default: false
        supportsReceivePayment:
          type: boolean
          description: The bank connection supports the receipt of payments.
          format: boolean
          example: false
          default: false
        supportsStandingOrder:
          type: boolean
          description: The bank connection supports recurring payments/standing orders.
          format: boolean
          example: true
        supportsReturnRefundAccount:
          type: boolean
          description: The bank connection supports requesting of refund accounts.
          format: boolean
          example: true
        supportsFundsConfirmation:
          type: boolean
          description: The bank connection supports confirmation of available funds.
          format: boolean
          example: true
        supportsVariableRecurringPayment:
          x-internal: true
          type: boolean
          description: The bank connection supports variable recurring payments.
          format: boolean
          example: true
    MandatoryFieldsv2_inner:
      type: object
      properties:
        products:
          type: array
          description: The products this mandatory fields entry applies to.
          items:
            type: string
            example: SIP
        fieldPaths:
          type: array
          description: The paths to the mandatory fields for this entry.
          items:
            type: string
            example: initiation.debtor
        paymentTypes:
          type: array
          description: The types of payments (International/Domestic) this mandatory fields entry applies to.
          items:
            type: string
            example: International
        localInstruments:
          type: array
          description: The local instruments this mandatory fields entry applies to.
          items:
            type: string
            example: SEPA
    inline_response_504:
      required:
      - error
      type: object
      properties:
        error:
          $ref: '#/components/schemas/GatewayTimeoutError'
    ServerError:
      type: object
      properties:
        message:
          type: string
          description: A description of the error.
          example: This is a description of the error.
        tokenTraceId:
          type: string
          description: The trace identifier for the given call.
          example: '5678912345'
      description: 'This could refer to either an error by the payment service provider or the bank. When the bank reports a 5xx error, `"token-external-error": "true"` is set as a header in the HTTP response, indicating that the "internal" error originates from the bank. When one of the payment service providers internal services fails or when the bank reports a 4xx error, this header is not populated. The absence of this response header should be interpreted as `"token-external-error": "false"`.'
      allOf:
      - $ref: '#/components/schemas/ErrorWithCode'
    MaintenanceWindow:
      description: Details of the bank's planned or unplanned maintenance window.
      type: array
      items:
        $ref: '#/components/schemas/maintenance'
    inline_response_501:
      required:
      - error
      type: object
      properties:
        error:
          $ref: '#/components/schemas/NotImplementedError'
    Error:
      type: object
      properties:
        message:
          type: string
          description: A description of the error.
          example: This is a description of the error.
        tokenTraceId:
          type: string
          description: The trace identifier for the given call.
          example: '5678912345'
      description: The request does not have valid authentication credentials needed to perform the operation.
    FieldError:
      title: FieldError
      required:
      - paths
      type: object
      properties:
        paths:
          type: array
          description: A list of paths to the problematic fields.
          items:
            type: string
            description: A reference to the JSON path of the field that caused the error.
            example: initiation.refId
      description: 'An error object providing details about an error caused by a particular field or fields in the request. Possible error code values include: <br/><br/> <b>Field.NotUnique</b> - The field value should be unique, but it isn''t.<br/><br/> <b>Field.Expected</b> - A field is expected/required but is missing altogether. <br/><br/> <b>Field.InvalidFormat</b> - A field is present but has an invalid format. This includes invalid value type (<i>e.g.</i>, not a number where a number is expected) and an invalid format (<i>e.g.</i>, a value is too long). <br/><br/> <b>Field.Invalid</b> - A field is present but has an invalid value. This covers all cases, where a field is present and invalid, that are not covered by `Field.InvalidFormat`.'
      allOf:
      - $ref: '#/components/schemas/ErrorWithCode'
    OpenBankingStandard:
      type: string
      description: Specifies the API standard adopted by the bank.
      example: UK_Open_Banking_Standard
      default: Invalid_Standard
      enum:
      - Invalid_Standard
      - UK_Open_Banking_Standard
      - Starling_Bank_API
      - PolishApi
      - STET_PSD2_API
      - Citi_Handlowy_PSD2_API
      - NextGenPsd2
      - Slovak_Banking_API_Standard
      - Czech_Open_Banking_Standard
      - American_Express_PSD2_API
      - Budapest_Bank_API
    TokenBankError:
      type: object
      properties:
        errorCode:
          example: FieldBank.RegistrationNotFound
        bankId:
          $ref: '#/components/schemas/bankId'
      description: 'Error object providing details about an error related to the debtor bank. Possible error code values include: <br/><br/> - `Bank.RegistrationNotFound` - unable to find registration of the calling member with the given bank <br/><br/> - `Bank.FeatureNotSupported` - bank does not support VRP <br/><br/>'
      allOf:
      - $ref: '#/components/schemas/ErrorWithCode'
    bankId:
      type: string
      description: The Token.io id of the bank where the consent is created. **This field is required if the customer is not using Token.io's Hosted Pages for bank selection, <i>i.e.</i>, API-only integration when `EMBEDDED_HOSTED_PAGES` is selected in `flowType`, or Hosted Pages embedded (modal) integration.**
      example: ob-modelo
    MandatoryFieldsv2:
      type: array
      description: Contains the fields required by the bank, which the TPP must populate in the token request, where applicable.
      items:
        $ref: '#/components/schemas/MandatoryFieldsv2_inner'
    maintenance:
      type: object
      properties:
        startTime:
          type: string
          description: The start time of the maintenance window (in <a href="https://www.iso.org/iso-8601-date-and-time-format.html" target="_blank">ISO 8601</a> format).
          example: '2023-05-03T12:28:20.466Z'
        endTime:
          type: string
          description: The end time of the maintenance window (in <a href="https://www.iso.org/iso-8601-date-and-time-format.html" target="_blank">ISO 8601</a> format).
          example: '2023-05-03T12:40:25.47Z'
        type:
          type: string
          description: The bank status:<ul><li><b>NO_DOWNTIME_EXPECTED</b> - the bank is currently connected, accepting API calls, and returning appropriate responses</li><li><b>DOWNTIME_EXPECTED</b> - there is a planned outage between the `startTime` and `endTime` specified</li><li><b>OUTAGE</b> - connection interrupted; the bank cannot currently accept API calls for this service between the `startTime` and `endTime` specified</li></ul>
          example: OUTAGE
          default: INVALID
          enum:
          - INVALID
          - NO_DOWNTIME_EXPECTED
          - DOWNTIME_EXPECTED
          - OUTAGE
        productType:
          type: string
          description: The bank product:<ul><li><b>AIS</b> - Account Information Services</li><li><b>SIP</b> - all payment services including Single Immediate Payments, Future Dated Payments, Standing Orders</li></ul>
          example: SIP
          default: INVALID
          enum:
          - INVALID
          - AIS
          - SIP
    ErrorWithCode:
      required:
      - errorCode
      - message
      type: object
      properties:
        errorCode:
          type: string
          description: A textual error code categorising the error.
          example: InternalServerError
        message:
          type: string
          description: A description of the error that occurred and a possible way to fix it.
          example: '`RefId` should not be longer than 35 symbols.'
      description: Error object providing details about the error.
      allOf:
      - $ref: '#/components/schemas/Error'
    GetBanksV2Response:
      type: object
      properties:
        banks:
          type: array
          description: This field contains information for each bank matching the request criteria.
          items:
            $ref: '#/components/schemas/BankV2'
        paging:
          $ref: '#/components/schemas/Paging'
        rank:
          type: integer
          description: Sorts banks by rank.
          example:
          - 1
          - 2
          - 100
        bankSubGroup:
          type: string
          description: Filters for banks that are part of the bank sub-group specified.
          example:
          - CMM Grand
          - Banque Populaire
          - La Banque
    FieldsFormatInformation:
      type: object
      properties:
        constraint:
          type: string
          description: The regex specifying allowed characters. See <a href=\"https://regexr.com/3cr6f\" target=\"_blank\">https://regexr.com/3cr6f</a>https://regexr.com/3cr6f for more details.
          example: ^[A-Za-z0-9?:()./,'+\-\s]*$
        v2Name:
          type: string
          description: The name of the field in the Token.io `requestpayload` with bank-imposed formatting constraints.
          example: description
        v2Path:
          type: string
          description: The `object.field` path indicating the constrained field's position in the Token.io `requestPayload`.
          example: credentials.credentials1
      description: Contains bank-dependent formatting constraints indicating allowable characters, if any.
    Paging:
      type: object
      properties:
        page:
          type: integer
          description: The index of the current page.
          format: int32
          example: 15
        pageCount:
          type: integer
          description: The number of records per page.
          format: int32
          example: 80
        perPage:
          type: integer
          description: The number of total pages.
          format: int32
          example: 32
        totalCount:
          type: integer
          description: The number of total records.
          format: int32
          example: 2500
      description: Contains the page information for response content.
    inline_response_403:
      required:
      - error
      type: object
      properties:
        error:
          $ref: '#/components/schemas/PermissionDeniedError'
    inline_response_400_2:
      required:
      - error
      type: object
      properties:
        error:
          oneOf:
          - $ref: '#/components/schemas/FieldError'
          - $ref: '#/components/schemas/PanDetectedError'
          - $ref: '#/components/schemas/TokenBankError'
    RequiredField:
      required:
      - displayName
      - id
      - type
      type: object
      properties:
        type:
          type: string
          description: The `type` determines how the field is presented to the user. <ul><li><b>FIELD</b> - displays a form with a text input field; use `displayName` value to add a label.</li><li><b>PASSWORD</b> - displays a form with a password input field; use `displayName` value to add a label.</li><li><b>CHOICE_FIELD</b> - displays a form that allows the user to choose one of the provided options; use `displayName` value to add a label.</li></ul>
          enum:
          - FIELD
          - PASSWORD
          - CHOICE_FIELD
        id:
          type: string
          description: The ID used when passing the value of this field to Token.io.
          example: '67891234'
        displayName:
          type: string
          description: The name of the requested field displayed to the user.
          example: 'Password:'
        additionalInformation:
          type: string
          description: Additional information about this field.
          example: This field is required.
        options:
          type: array
          description: A list of options for the user to select from. For example, it can be an SCA method choice (SMS message, phone call <i>etc</i>.), or confirm/decline options for a confirmation page. The customer sends one of the values back to Token.io with the corresponding id.
          items:
            type: string
      description: Contains information used in embedded authentication flows. These are optional credential request fields.
    ServiceUnavailableError:
      required:
      - paymentId
      type: object
      properties:
        errorCode:
          example: UNAVAILABLE
        paymentId:
          type: string
          description: The service is unavailable, likely due to a transient condition; this is usually corrected with a retry.
          example: Unavailable
      description: Service is unavailable, likely due to a transient condition; this is usually corrected with a retry.
      allOf:
      - $ref: '#/components/schemas/ErrorWithCode'
    inline_response_401:
      type: object
      properties:
        error:
          $ref: '#/components/schemas/Error'
    scaMethods:
      type: string
      description: 'The SCA (Strong Customer Authentication) method: <ul><li><b>Redirect</b> - User is redirected to bank for SCA.</li><li><b>Decoupled</b> - User receives sms / notification during authentication at bank</li><li><b>Confirmation Page</b> - User is presented with a page where they confirm authentication.</li><li><b>Multi-redirect</b> - Intermediate steps as part of authentication flow for user at bank.</li><li><b>Embedded single step</b> - Capture of fields for credentials in a single step.</li><li><b>Embedded multi-step</b> - Multiple steps in capture of credential fields from user.</li></ul>'
      example: REDIRECT
      default: INVALID_SCA_METHOD
      enum:
      - INVALID_SCA_METHOD
      - REDIRECT
      - DECOUPLED
      - CONFIRMATION_PAGE
      - MULTI_REDIRECT
      - EMBEDDED_SINGLE_STEP
      - EMBEDDED_MULTI_STEP
    PermissionDeniedError:
      type: object
      properties:
        errorCode:
          example: PermissionDenied
      description: 'The error returned when the member is not authorized to perform the given operation

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# Full source: https://raw.githubusercontent.com/api-evangelist/token-io/refs/heads/main/openapi/token-io-banks-v2-api-openapi.yml