Toqio · Authentication Profile

Toqio Authentication

Authentication

Toqio secures its APIs with http and oauth2 across 3 declared security schemes, as derived from its OpenAPI definitions. OAuth 2.0 is offered via the clientCredentials and password flow(s).

Embedded FinanceFintechBanking as a ServicePaymentsCardsCorporate BankingLendingComplianceSMEs
Methods: http, oauth2 Schemes: 3 OAuth flows: clientCredentials, password API key in:

Security Schemes

clientCredentials oauth2
· flows: clientCredentials
bearer-jwt oauth2
· flows: password
bearerAuth http
scheme: bearer

Source

Authentication Profile

Raw ↑ 
generated: '2026-07-21'
method: searched
source: openapi/toqio-accounts-openapi.yml, openapi/toqio-beneficiaries-openapi.yml, openapi/toqio-cards-openapi.yml,
  openapi/toqio-clients-openapi.yml, openapi/toqio-compliance-endpoints-openapi.yml, openapi/toqio-create-lead-service-openapi.yml,
  openapi/toqio-custom-notifications-openapi.yml, openapi/toqio-fees-openapi.yml, openapi/toqio-get-pre-signed-url-openapi.yml,
  openapi/toqio-integration-hub-api-openapi.yml, openapi/toqio-security-openapi.yml, openapi/toqio-transactions-openapi.yml
  ...
docs:
  - https://platform.toq.io/reference/authenticating-against-toqio-api
  - https://integrate.toq.io/reference/authentication
notes: >-
  Platform API: OAuth 2.0 Client Credentials Grant — POST
  https://api.toq.io/iam/oauth/token with grant_type=client_credentials and
  HTTP Basic (base64 username:password); access_token is a JWT sent as
  "Authorization: Bearer {access_token}" and expires in 3600 seconds by
  default (customisable on approved request). Integration Hub: layered
  security model over HTTPS (TLS 1.2 minimum, TLS 1.3 recommended) — Layer 1
  API Key in the X-Api-Key header (both directions, rotation supported),
  Layer 2 HMAC-SHA256 payload signature in X-Toqio-Signature
  (sha256={base64 HMAC over raw body bytes}; absent signature -> 401, invalid
  -> 403), Layer 3 OAuth 2.0 / OIDC client credentials with self-signed JWT
  bearer assertions per RFC 7523 (RSA 2048+ or EC P-256/P-384; private key
  never leaves the integrator).
summary:
  types:
  - http
  - oauth2
  oauth2_flows:
  - clientCredentials
  - password
schemes:
- name: clientCredentials
  type: oauth2
  flows:
  - flow: clientCredentials
    tokenUrl: https://api.toq.io/iam/oauth/token
    scopes: 0
  sources:
  - openapi/toqio-accounts-openapi.yml
  - openapi/toqio-beneficiaries-openapi.yml
  - openapi/toqio-cards-openapi.yml
  - openapi/toqio-clients-openapi.yml
  - openapi/toqio-compliance-endpoints-openapi.yml
  - openapi/toqio-custom-notifications-openapi.yml
  - openapi/toqio-fees-openapi.yml
  - openapi/toqio-security-openapi.yml
  - openapi/toqio-transactions-openapi.yml
- name: bearer-jwt
  type: oauth2
  flows:
  - flow: password
    tokenUrl: https://api.toq.io/iam/oauth/token
    scopes: 0
  sources:
  - openapi/toqio-cards-openapi.yml
  - openapi/toqio-create-lead-service-openapi.yml
  - openapi/toqio-get-pre-signed-url-openapi.yml
  - openapi/toqio-security-openapi.yml
  - openapi/toqio-upload-kyb-documents-openapi.yml
- name: bearerAuth
  type: http
  scheme: bearer
  bearerFormat: JWT
  sources:
  - openapi/toqio-integration-hub-api-openapi.yml