Triodos Bank Uk Authentication

generated: '2026-07-23'
method: searched
source: https://developer.triodos.com/docs/authorisation
docs:
- https://developer.triodos.com/docs/authorisation
- https://developer.triodos.com/docs/signatures
- https://developer.triodos.com/docs/registration
notes: >-
  The harvested OpenAPI documents do not declare components.securitySchemes (the
  Berlin Group NextGenPSD2 template externalises auth), so this profile is
  captured from the Triodos developer documentation rather than derived from the
  spec. Auth is a multi-layer PSD2 stack: transport-layer eIDAS mutual-TLS,
  message-layer HTTP signatures, and application-layer OAuth2/OpenID Connect with
  PSD2 Strong Customer Authentication.
summary:
  types: [oauth2, openIdConnect, mutualTLS, httpMessageSignature, http-basic]
  oauth2_flows: [authorizationCode, refreshToken]
  sca: required
  standard: Berlin Group NextGenPSD2 XS2A v1.3.6 (OAuth2 SCA Approach, Implicit Start)
schemes:
- name: eidas-qwac-mtls
  layer: transport
  type: mutualTLS
  description: >-
    Production data endpoints (https://api-ma.triodos.com) require a mutual-TLS
    connection presenting a valid eIDAS QWAC (Qualified Website Authentication
    Certificate). Not required in the sandbox (https://xs2a-sandbox.triodos.com).
    Client-initiated browser authorisations use the non-mTLS host
    https://api.triodos.com to avoid prompting the PSU for a client certificate.
- name: tpp-http-message-signature
  layer: message
  type: httpMessageSignature
  description: >-
    All XS2A endpoints mandate a digital signature per the NextGenPSD2 Framework
    v1.3 (Errata), referencing draft-cavage-http-signatures-10. The TPP signs the
    request with its eIDAS QSEALC (Qualified Electronic Seal Certificate).
  headers: [Digest, Signature, TPP-Signature-Certificate, X-Request-ID]
  algorithms: [rsa-sha256, rsa-sha512]
  digest: SHA-256=
  signed_headers: [digest, x-request-id]
  keyid_format: 'SN=<hex-serial>,<CA-DistinguishedName in RFC1779>'
- name: openid-connect
  layer: application
  type: openIdConnect
  openIdConnectUrl: https://api.triodos.com/auth/{tenant}/.well-known/openid-configuration
  sandbox_openIdConnectUrl: https://xs2a-sandbox.triodos.com/auth/{tenant}/.well-known/openid-configuration
  description: >-
    OpenID Connect Authorization Code Flow implements the OAuth2 SCA approach.
    Per-tenant discovery documents (nl / uk / be) are exposed as an API operation.
- name: oauth2-authorization-code
  layer: application
  type: oauth2
  flow: authorizationCode
  pkce: required (RFC 7636, S256 code_challenge_method)
  authorizationUrl: https://api.triodos.com/auth/{tenant}/v1/auth
  tokenUrl: https://api.triodos.com/auth/{tenant}/v1/token
  revocationUrl: https://api.triodos.com/auth/{tenant}/v1/token/revoke
  userinfoUrl: https://api.triodos.com/auth/{tenant}/v1/userinfo
  registrationUrl: https://api.triodos.com/auth/{tenant}/v1/registration
  token_endpoint_auth: HTTP Basic (client_id:client_secret, RFC 2617)
  access_token_ttl_seconds: 600
  refresh: offline_access scope issues a refresh token (grant_type=refresh_token)
  dynamic_client_registration: >-
    OAuth 2.0 Dynamic Client Registration gated by an Initial Access Token, which
    is obtained by presenting the TPP eIDAS X.509 certificate to
    GET /{tenant}/onboarding/v1 (initialAccessToken).
scopes_ref: scopes/triodos-bank-uk-scopes.yml