Beyond Bank Authentication

generated: '2026-07-21'
method: searched
source: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
docs: https://consumerdatastandardsaustralia.github.io/standards/#security-profile
notes: >-
  Authentication profile for Beyond Bank Australia's CDR Banking surface. The harvested
  DSB Consumer Data Standards contract declares no formal OpenAPI securitySchemes, so this
  profile is documented from Beyond Bank's public open-banking pages and the published DSB
  Consumer Data Standards security profile rather than mechanically derived. There are two
  distinct tiers: an OPEN, unauthenticated Product Reference Data (PRD) surface, and a
  consumer-authorised data-sharing surface secured by the CDR OAuth2/OIDC FAPI model.
summary:
  types: [none, oauth2, openIdConnect, mutualTLS]
  tiers: [public-prd, consumer-data]
  oauth2_flows: [authorizationCode]
schemes:
  - name: public-prd-none
    tier: public-prd
    type: none
    description: >-
      The Product Reference Data endpoints (listBankingProducts, getBankingProductDetail)
      are public and unauthenticated — no API key, no OAuth token. Only the CDS versioning
      header (x-v) is required. Confirmed live returning HTTP 200 with x-v 5.
    operations: [listBankingProducts, getBankingProductDetail]
    sources: [openapi/beyond-bank-cds-banking-products-openapi.yml]
  - name: cdr-oauth2-fapi
    tier: consumer-data
    type: oauth2
    scheme: authorizationCode
    profile: FAPI 1.0 Advanced (CDR security profile)
    features:
      - Pushed Authorization Requests (PAR)
      - request object signing (private_key_jwt client authentication)
      - mTLS sender-constrained access tokens
      - OIDC hybrid / authorization-code flow with consumer consent
      - Accredited Data Recipient registration via the CDR Register
    scopes_ref: scopes/beyond-bank-scopes.yml
    description: >-
      Consumer data sharing (accounts, balances, transactions, direct debits, scheduled
      payments, payees) requires accredited Data Recipient status and explicit consumer
      consent through the CDR authorization flow. Access is over the mutually authenticated
      (mTLS) FAPI channel, not the public PRD host.
    sources: [openapi/beyond-bank-cds-banking-products-openapi.yml]
  - name: cdr-oidc
    tier: consumer-data
    type: openIdConnect
    description: >-
      Identity layer for the CDR authorization — OpenID Connect discovery, ID tokens, and
      consent are provided by Beyond Bank's CDR identity server, advertised via the CDR
      Register and the holder's OIDC discovery document.
  - name: cdr-mtls
    tier: consumer-data
    type: mutualTLS
    description: >-
      Mutual TLS is mandatory on the CDR data-sharing channel; access tokens are bound to
      the client's mTLS certificate (sender-constrained) per FAPI. The public PRD host does
      not require client certificates.