Temenos Transact

Core banking APIs from Temenos Transact, providing comprehensive banking functionality including accounts, transactions, payments, loans, and customer management.

Temenos Transact publishes 10 APIs on the APIs.io network, including Accounts API, Beneficiaries API, Cards API, and 7 more. Tagged areas include Banking, Core Banking, Digital Banking, Enterprise, and Financial Services.

The Temenos Transact catalog on APIs.io includes 2 JSON-LD contexts and 2 Spectral governance rulesets.

Temenos Transact’s developer surface includes authentication, developer portal, getting-started guide, documentation, engineering blog, signup flow, support, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub

53.4/100 developing ▬ flat Agent 38/100 agent ready Full breakdown ↓
scored 2026-08-05 · rubric v0.9.1

AccessEnterpriseSelf serve

13 APIs 5 Features 4 Use Cases

BankingCore BankingDigital BankingEnterpriseFinancial ServicesFintech

Kin Score

Kin Score How this is scored →
scored 2026-08-05 · rubric v0.9.1

Composite quality — 53.4/100 · developing

Contract Quality 19.6 / 25

Developer Ergonomics 10.0 / 20

Commercial Clarity 10.0 / 20

Operational Transparency 3.4 / 13

Governance 7.0 / 12

Discoverability 7.2 / 10

Agent readiness — 38/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/temenos-transact: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 13

Individual APIs this provider publishes, each with its own machine-readable definition.

Temenos Transact Microservices APIs

APIs for Temenos Transact microservices including callback registry, configuration management, user entitlements, and service orchestration for building event-driven and composa...

Temenos Transact Data Hub APIs

High-performance APIs built on the near real-time Analytics Data Store and Operational Data Store from Temenos Transact Data Hub, providing banking-specific analytical and opera...

Temenos Operational Data Store APIs

APIs built on the near real-time Operational Data Store from Temenos Transact Data Hub, presenting data in specific formats for operational and API use cases utilizing real-time...

Temenos Transact Accounts API

Manage customer accounts created using the Arrangement Architecture including current accounts, savings accounts, corporate accounts, Islamic accounts, non-resident and minor ac...

Temenos Transact Beneficiaries API

Manage payment beneficiaries including domestic and international beneficiary registration, validation, and maintenance.

Temenos Transact Cards API

Manage debit and credit card operations including card issuance, activation, blocking, and limit management.

Temenos Transact Customers API

Create, update, and manage customer profiles, contact details, KYC documentation, compliance records, communication preferences, and party relationships.

Temenos Transact Deposits API

Manage deposit arrangements including term deposits, savings deposits, and fixed deposit products with maturity tracking and renewal capabilities.

Temenos Transact Loans API

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

Temenos Transact Payments API

Process fund transfers, standing orders, direct debits, payment orders, sweeps, and cross-border payments. Includes payment validation, cost calculation, status tracking, and ca...

Temenos Transact Products API

Browse the product catalog and retrieve product conditions, eligibility criteria, and arrangement details.

Temenos Transact Reference Data API

Access system-wide lookup and configuration data including currencies, countries, IBAN/BIC validation, interest rate tables, and balance type definitions.

Temenos Transact Transactions API

Retrieve transaction history, statement details, and account activity records for all account types and arrangements.

Scroll for all 13

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Temenos Transact Core Banking API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Temenos Transact Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Temenos Transact Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Temenos Transact Finops

FINOPS

Features 5

Notable capabilities this provider offers.

Arrangement Architecture

Modular, component-based framework enabling reusable product components across retail, corporate, treasury, wealth, and Islamic banking.

Multi-Currency Support

Full support for multi-currency accounts, payments, and exchange rate management with ISO 4217 compliance.

KYC and AML Compliance

Built-in customer verification, AML checks, and compliance tracking for regulatory requirements.

Real-Time Payments

Support for SEPA, SWIFT, ACH, RTGS, and domestic clearing payment types with real-time processing.

Product Catalog

Configurable product catalog with conditions, eligibility criteria, and arrangement details for banking products.

JSON Schema 49

Standalone JSON Schema definitions for this provider's data models.

Scroll for all 49

JSON Structure 48

JSON Structure definitions describing this provider's data shapes.

Scroll for all 48

1 fields

EXAMPLE

Scroll for all 48

Use Cases 4

What developers build with this provider.

Digital Banking

Build digital banking apps with account management, transaction history, and payment initiation APIs.

Open Banking

Enable third-party access to banking data and payment services through standardized APIs.

Loan Origination

Automate loan application, credit assessment, and disbursement workflows through API integration.

Customer Onboarding

Streamline customer registration with KYC verification, account opening, and beneficiary setup.

Resources

Get Started 3

Portal, sign-up, and the first successful call

Portal

Portal

GettingStarted

GettingStarted

Signup

Signup

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

PostmanCollection

PostmanCollection

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

Community

Community

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

LinkedIn

Blog

Blog

Website

Website

Source (apis.yml)

name: Temenos Transact
description: Core banking APIs from Temenos Transact, providing comprehensive banking functionality including accounts, transactions,
  payments, loans, and customer management.
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Enterprise · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://www.temenos.com/wp-content/uploads/2023/01/temenos-logo.svg
url: https://www.temenos.com/products/transact/
created: '2024'
modified: '2026-05-19'
specificationVersion: '0.18'
apis:
- name: Temenos Transact Microservices APIs
  description: APIs for Temenos Transact microservices including callback registry, configuration management, user entitlements,
    and service orchestration for building event-driven and composable banking applications.
  image: https://www.temenos.com/wp-content/uploads/2023/01/temenos-logo.svg
  humanURL: https://developer.temenos.com/transact-microservice-apis
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Configuration
  - Entitlements
  - Microservices
  - Orchestration
  properties:
  - type: Documentation
    url: https://developer.temenos.com/transact-microservice-apis
- name: Temenos Transact Data Hub APIs
  description: High-performance APIs built on the near real-time Analytics Data Store and Operational Data Store from Temenos
    Transact Data Hub, providing banking-specific analytical and operational data for reporting and integration use cases.
  image: https://www.temenos.com/wp-content/uploads/2023/01/temenos-logo.svg
  humanURL: https://developer.temenos.com/transact-data-hub
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Analytics
  - Data Hub
  - Data Store
  - Reporting
  properties:
  - type: Documentation
    url: https://developer.temenos.com/transact-data-hub
- name: Temenos Operational Data Store APIs
  description: APIs built on the near real-time Operational Data Store from Temenos Transact Data Hub, presenting data in
    specific formats for operational and API use cases utilizing real-time data streams and ETL transformations.
  image: https://www.temenos.com/wp-content/uploads/2023/01/temenos-logo.svg
  humanURL: https://developer.temenos.com/operational-data-store
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Data Streams
  - ETL
  - Operational Data
  - Real-Time
  properties:
  - type: Documentation
    url: https://developer.temenos.com/operational-data-store
- aid: temenos-transact:temenos-transact-accounts-api
  name: Temenos Transact Accounts API
  description: Manage customer accounts created using the Arrangement Architecture including current accounts, savings accounts,
    corporate accounts, Islamic accounts, non-resident and minor accounts.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-beneficiaries-api
  name: Temenos Transact Beneficiaries API
  description: Manage payment beneficiaries including domestic and international beneficiary registration, validation, and
    maintenance.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-beneficiaries-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-cards-api
  name: Temenos Transact Cards API
  description: Manage debit and credit card operations including card issuance, activation, blocking, and limit management.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-cards-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-customers-api
  name: Temenos Transact Customers API
  description: Create, update, and manage customer profiles, contact details, KYC documentation, compliance records, communication
    preferences, and party relationships.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-customers-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-deposits-api
  name: Temenos Transact Deposits API
  description: Manage deposit arrangements including term deposits, savings deposits, and fixed deposit products with maturity
    tracking and renewal capabilities.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Deposits
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-deposits-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-loans-api
  name: Temenos Transact Loans API
  description: Create and manage loan arrangements, credit facilities, repayment schedules, drawdowns, and loan lifecycle
    operations.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Loans
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-loans-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-payments-api
  name: Temenos Transact Payments API
  description: Process fund transfers, standing orders, direct debits, payment orders, sweeps, and cross-border payments.
    Includes payment validation, cost calculation, status tracking, and cancellation.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-products-api
  name: Temenos Transact Products API
  description: Browse the product catalog and retrieve product conditions, eligibility criteria, and arrangement details.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-products-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-reference-data-api
  name: Temenos Transact Reference Data API
  description: Access system-wide lookup and configuration data including currencies, countries, IBAN/BIC validation, interest
    rate tables, and balance type definitions.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Reference Data
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-reference-data-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-transactions-api
  name: Temenos Transact Transactions API
  description: Retrieve transaction history, statement details, and account activity records for all account types and arrangements.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
common:
- type: AgenticAccess
  url: agentic-access/temenos-transact-agentic-access.yml
- type: DomainSecurity
  url: security/temenos-transact-domain-security.yml
- type: Authentication
  url: authentication/temenos-transact-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/temenos
- type: Portal
  url: https://developer.temenos.com/
- type: GettingStarted
  url: https://developer.temenos.com/article/sandbox-quick-guide
- type: Documentation
  url: https://developer.temenos.com/guides
- type: Blog
  url: https://www.temenos.com/blog/the-modern-developer-portal/
- type: Community
  url: https://basecamp.temenos.com/s/
- type: Signup
  url: https://tcsp-signup.temenos.com/signup/communityregistration
- type: GitHubOrganization
  url: https://github.com/temenostech
- type: Website
  url: https://www.temenos.com/
- type: Support
  url: https://support.temenos.com
- type: TermsOfService
  url: https://www.temenos.com/terms-of-service/
- type: PrivacyPolicy
  url: https://www.temenos.com/privacy-policy/
- type: PostmanCollection
  url: https://www.postman.com/temenos-devex/temenos-essential-apis/documentation/sd6uv6m/temenos-essential-apis
- type: Features
  data:
  - name: Arrangement Architecture
    description: Modular, component-based framework enabling reusable product components across retail, corporate, treasury,
      wealth, and Islamic banking.
  - name: Multi-Currency Support
    description: Full support for multi-currency accounts, payments, and exchange rate management with ISO 4217 compliance.
  - name: KYC and AML Compliance
    description: Built-in customer verification, AML checks, and compliance tracking for regulatory requirements.
  - name: Real-Time Payments
    description: Support for SEPA, SWIFT, ACH, RTGS, and domestic clearing payment types with real-time processing.
  - name: Product Catalog
    description: Configurable product catalog with conditions, eligibility criteria, and arrangement details for banking products.
- type: UseCases
  data:
  - name: Digital Banking
    description: Build digital banking apps with account management, transaction history, and payment initiation APIs.
  - name: Open Banking
    description: Enable third-party access to banking data and payment services through standardized APIs.
  - name: Loan Origination
    description: Automate loan application, credit assessment, and disbursement workflows through API integration.
  - name: Customer Onboarding
    description: Streamline customer registration with KYC verification, account opening, and beneficiary setup.
- type: Integrations
  data:
  - name: Payment Networks
    description: Integration with SWIFT, SEPA, ACH, and domestic clearing networks for cross-border and local payments.
  - name: Card Processing
    description: Integration with card issuance and processing networks for debit and credit card operations.
  - name: Regulatory Reporting
    description: Integration with regulatory bodies for compliance reporting, AML screening, and KYC verification.
- type: Integrations
  url: https://www.temenos.com/partners/
integrations:
- name: Become a Partner
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
  url: https://apievangelist.com
tags:
- Banking
- Core Banking
- Digital Banking
- Enterprise
- Financial Services
- Fintech