name: BB&T Corp (Truist) API FinOps
specification: FinOps Framework
specificationVersion: '1.0'
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
provider: BB&T Corp (Truist)
providerId: bbandt-corp
publisherName: Truist Financial Corporation
serviceCategory: Banking / Open Banking APIs
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-05'
reconciled: false
tags:
  - Banking
  - Open Banking
  - Truist
  - FinOps
  - FOCUS
description: 'FOCUS-aligned FinOps shape for the Truist (formerly BB&T) developer-portal APIs: partner
  / open-banking program access with banking fees flowing through the underlying customer account relationship,
  not metered per API call.'
notes: No public rate card. Replace meter values with the partner-program agreement once available.
sources:
  - https://developer.truist.com/
principles:
  - name: Visibility
    description: Use the accounts and transactions APIs to surface deposits, payments, and fees back to
      the consuming application or fintech for end-customer attribution.
  - name: Allocation
    description: Allocate banking fees to the originating account holder; allocate API consumption back
      to the partner application via OAuth client identity.
  - name: Optimization
    description: Cache reference data (account metadata, last-known-good balance) to minimize redundant
      polling; prefer event/webhook integration where Truist offers it.
  - name: Accountability
    description: Designate a partner-program owner who manages the Truist developer agreement, monitors
      consent expirations, and reviews fee pass-through monthly.
billingModel:
  pricingCategory: Bundled Banking Fees
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
    - Usage
    - Tax
    - Adjustment
    - Refund
    - Credit
  chargeFrequency: Recurring
focusColumns:
  ServiceName: Truist Developer APIs
  ServiceCategory: Banking / Open Banking APIs
  ProviderName: Truist
  PublisherName: Truist Financial Corporation
  InvoiceIssuerName: Truist Bank
  PricingCategory: Bundled Banking Fees
  PricingUnit: account
  BillingCurrency: USD
  ChargeCategory: Usage
meters:
  - name: linked_accounts
    description: Accounts linked under partner-application OAuth consent
    unit: account
    aggregation: max
    dimensions:
      - account_type
      - partner
  - name: api_calls
    description: API request volume — operational meter, not necessarily per-call billed
    unit: request
    aggregation: sum
    dimensions:
      - api
      - partner
  - name: transaction_volume
    description: Settled transaction value visible through the API
    unit: USD
    aggregation: sum
    dimensions:
      - account_type
      - transaction_type
apis:
  - name: Truist Personal and Small Business Accounts API
    baseURL: ''
    serviceName: Truist Personal and Small Business Accounts API
    serviceCategory: API
  - name: Truist Personal and Small Business Transactions API
    baseURL: ''
    serviceName: Truist Personal and Small Business Transactions API
    serviceCategory: API
  - name: Truist Commercial Accounts API
    baseURL: ''
    serviceName: Truist Commercial Accounts API
    serviceCategory: API
  - name: Truist Commercial Account Transactions API
    baseURL: ''
    serviceName: Truist Commercial Account Transactions API
    serviceCategory: API
  - name: Truist Association Services API
    baseURL: ''
    serviceName: Truist Association Services API
    serviceCategory: API
unitEconomics:
  - name: Cost per Linked Account
    metric: total_partner_fees / linked_accounts
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com