Ibanfirst Authentication

generated: '2026-08-17'
method: searched
source: openapi/ibanfirst-clientapi-openapi.yml
docs: https://docs.ibanfirst.com/api/clientapi/section/authentication-x-wsse
note: >-
  Derived mechanically from the OpenAPI securitySchemes (one apiKey scheme, X-WSSE in header)
  and then upgraded from the provider's own documentation, which publishes the full digest
  algorithm and code samples. Two further authentication models exist on iBanFirst surfaces the
  OpenAPI does not describe: OAuth 2.0 on the hosted MCP server (metadata probed live) and
  eIDAS QWAC mutual TLS on the PSD2 XS2A API.

summary:
  types:
    - apiKey
    - oauth2
    - mutualTLS
  api_key_in:
    - header
  oauth2_flows:
    - authorizationCode
  surfaces: 3

schemes:
  - name: X-WSSE
    type: apiKey
    in: header
    parameter: X-WSSE
    surface: iBanFirst REST API
    sources:
      - openapi/ibanfirst-clientapi-openapi.yml
    docs: https://docs.ibanfirst.com/api/clientapi/section/authentication-x-wsse
    scheme_family: WS-Security UsernameToken (WSSE)
    header_format: >-
      X-WSSE: UsernameToken Username="<username>", PasswordDigest="<digest>",
      Nonce="<nonce_b64>", Created="<timestamp>"
    fields:
      - name: Username
        description: The username assigned during onboarding.
      - name: Nonce
        description: A Base64-encoded random hex string (>= 32 hex characters).
      - name: Created
        description: 'Current UTC timestamp in ISO 8601: YYYY-MM-DDTHH:MM:SSZ.'
      - name: PasswordDigest
        description: >-
          Base64( SHA-1( nonce_bytes + created_bytes + secret_bytes ) ) - SHA-1 binary digest,
          then Base64.
    token_lifetime: >-
      Stateless; expires after approximately 5 minutes, so the header must be recomputed for
      every request.
    applied_globally: true
    credential_issuance: >-
      Not self-serve. Per the quickstart, "our Support team will generate API tokens linked to
      your account"; tokens can be granted per method.
    code_samples_published: [python, javascript, php, java, go]
    observations:
      - >-
        The digest uses SHA-1. That is the WSSE UsernameToken profile as originally specified,
        not a modern HMAC construction, and it is worth noting for a payments API - although the
        secret never crosses the wire and the token is short-lived.
      - >-
        There is no bearer/OAuth option on the REST API and no scope model, so authorization is
        expressed by which methods a support-issued token is granted rather than by scopes.

  - name: MCP OAuth 2.0
    type: oauth2
    surface: iBanFirst MCP Connector (https://mcp.ibanfirst.com/mcp)
    sources:
      - well-known/ibanfirst-mcp-oauth-authorization-server.json
      - well-known/ibanfirst-mcp-oauth-protected-resource.json
    docs: https://docs.ibanfirst.com/guides/mcp-connector
    method: probed
    flows:
      - flow: authorizationCode
        authorizationUrl: https://mcp.ibanfirst.com/authorize
        tokenUrl: https://mcp.ibanfirst.com/token
        pkce: S256
        scopes: {}
    issuer: https://mcp.ibanfirst.com/
    registration_endpoint: https://mcp.ibanfirst.com/register
    dynamic_client_registration: true
    grant_types_supported: [authorization_code, refresh_token]
    token_endpoint_auth_methods_supported: [client_secret_post]
    bearer_methods_supported: [header]
    scopes_advertised: none
    credential_issuance: >-
      iBanFirst issues an "OAuth Client ID" and "OAuth Client Password" that the user enters when
      adding the connector in Claude.
    observations:
      - >-
        The authorization-server metadata advertises no scopes_supported, so the MCP surface has
        no published scope vocabulary. Authorization is all-or-nothing per connected account.

  - name: eIDAS QWAC mutual TLS
    type: mutualTLS
    surface: iBanFirst PSD2 XS2A API (AIS/PIS)
    docs: https://ibanfirst.com/psd2-api
    method: searched
    requirement: >-
      "If you are a registered Third-Party Provider (TPP), with a qualified EIDAS QWAC and wish
      to use iBanFirst API, please contact us at open-api@ibanfirst.com"
    sandbox: https://open-api-sdbx.ibanfirst.com/Banking/API
    probe_result: >-
      An anonymous HTTPS request to the sandbox host fails at the TLS layer (curl exit 56,
      SSL_read error) rather than returning an HTTP status - consistent with a listener that
      requires a client certificate. No specification could be retrieved.
    sca: >-
      Strong customer authentication is in scope of the PSD2 API per the provider's description
      (accounts information, payment initiation and secure customer authentication).

x-evidence:
  checked: '2026-08-17'
  probes:
    - url: https://docs.ibanfirst.com/_spec/api/ClientAPI.yaml
      http_status: 200
    - url: https://docs.ibanfirst.com/api/clientapi/section/authentication-x-wsse
      http_status: 200
    - url: https://mcp.ibanfirst.com/.well-known/oauth-authorization-server
      http_status: 200
    - url: https://open-api-sdbx.ibanfirst.com/Banking/API
      http_status: 0
      note: TLS handshake terminated by the server; no HTTP response