Bcu Bank Authentication

generated: '2026-07-20'
method: searched
source: openapi/bcu-bank-cds-banking-products-openapi.yml + DSB Consumer Data Standards (FAPI/OIDC security profile)
docs: https://consumerdatastandardsaustralia.github.io/standards/#security-profile
summary:
  types:
  - none
  - oauth2
  - openIdConnect
  - mutualTLS
  oauth2_flows:
  - authorizationCode
  notes: >-
    The CDS Banking OpenAPI does not declare formal components.securitySchemes;
    the CDR security model is defined normatively by the DSB Consumer Data
    Standards Security Profile rather than inline in each Data Holder spec.
    Authentication is captured here from the standard plus the per-operation
    x-scopes present in the spec.
surfaces:
- surface: Product Reference Data (PRD)
  authenticated: false
  scheme: none
  detail: >-
    GET /banking/products and /banking/products/{productId} are public and
    unauthenticated. Callers still send CDS protocol headers (x-v version
    negotiation, optional x-min-v). Confirmed live and public at
    https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products (HTTP 200).
- surface: Consumer data sharing (authenticated banking resources)
  authenticated: true
  schemes:
  - type: oauth2
    flow: authorizationCode
    detail: >-
      CDR authorization-code flow with PKCE (S256) under the OIDC Hybrid/
      authorization-code profile; access tokens are bearer tokens scoped to the
      CDR banking scopes below. Consent is captured through the CDR consent
      (Authorisation) flow; access is restricted to Accredited Data Recipients.
  - type: openIdConnect
    detail: >-
      OpenID Connect for identity and consent, per the CDR/FAPI profile
      (request objects, ID tokens).
  - type: mutualTLS
    detail: >-
      Mutual TLS is required on the resource server (the spec's only declared
      server is described "MTLS": https://mtls.dh.example.com/cds-au/v1) and for
      client authentication (tls_client_auth / private_key_jwt) per FAPI 1.0
      Advanced.
  fapi: FAPI 1.0 Advanced
  request_headers:
  - x-fapi-interaction-id
  - x-fapi-auth-date
  - x-fapi-customer-ip-address
  - x-cds-client-headers
scopes_ref: scopes/bcu-bank-scopes.yml