slug: bud-co
provider: Bud Financial
generated_by: planning/capability-mapping/scripts/classify_capabilities.py
model: claude-opus-5
frame:
- Banking & Capital Markets
min_confidence: 0.7
capability_model:
  source: https://github.com/vincentmakes/turbo-ea-capabilities
  license: CC-BY-4.0
  attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities,
    CC BY 4.0
  notice: NOTICE
edge_count: 6
edges:
- tag: Initiate Payment - Client license
  spec_file: bud-co-initiate-payment-client-license-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.95
  evidence: POST /v1/payments/single 'Create Single Payment'; POST /v1/payments/authorisation-codes 'Submit
    Authorisation Codes'; POST /v1/payments/single/{payment_id}/confirm 'Confirm Single Payment'
  reason: Capture, authorisation and confirmation of payment instructions (single, standing order, scheduled)
    under the client's PISP licence — payment instruction capture, validation and authorisation.
- tag: Initiate Payment - Bud license
  spec_file: bud-co-initiate-payment-bud-license-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.9
  evidence: POST /v1/payments/single/bud-pay-url 'Retrieve Bud Pay URL - Single Payment'; 'Retrieve Bud
    Pay URL - Standing Order'; schemas PaymentSender, PaymentRecipient
  reason: 'Open Banking payment initiation: creates authorised single, standing-order and scheduled payment
    instructions with sender/recipient and provider selection. Plainly Payment Initiation Management.'
- tag: Manage Payments
  spec_file: bud-co-manage-payments-api-openapi.yml
  capability_id: BC-1340
  capability_id_l1: BC-1340
  capability_name: Payments & Card Management
  confidence: 0.8
  evidence: GET /v1/payments/single/{payment_id} 'Retrieve Single Payment Status'; 'Search for Standing
    Orders'; schemas SinglePaymentStatus, ScheduledPaymentStatusCodeEnum
  reason: Query and status tracking of initiated single, standing-order and scheduled payments — payment
    lifecycle monitoring. Mapped at L1 (Payments & Card Management) since the surface spans initiation
    status and downstream processing rather than one sub-capability.
- tag: OAuth2
  spec_file: bud-co-oauth2-api-openapi.yml
  capability_id: BC-4270.40
  capability_id_l1: BC-4270
  capability_name: Developer Identity & Credential Management
  confidence: 0.75
  evidence: POST /v1/oauth/token  oauth_token_post  OAuth2; RetrieveAuthTokenResponse; "create the API
    Credentials required to obtain an OAuth2 access token"
  reason: Single endpoint issuing OAuth2 access tokens against developer-console API credentials for third-party
    developers consuming the public API — Developer Identity & Credential Management. Slight discount
    because token issuance is also plain authentication plumbing.
  recovered_from: sweep-20260829T005356Z-edges.json
- tag: Retrieve Affordability Report
  spec_file: bud-co-retrieve-affordability-report-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.75
  evidence: GET /v1/affordability/report "Retrieve Affordability Report"; schemas AffordabilityCriteria,
    CriteriaNetDisposableIncome, MonthlyIncomeExpenditurePrediction
  reason: Produces a structured income-and-expenditure affordability assessment with net disposable income
    criteria — the classic input to consumer credit affordability/underwriting decisions. Mapped to credit
    underwriting & decisioning; some residual ambiguity as the API only supplies the assessment rather
    than rendering the credit decision.
- tag: Retrieve Affordability Report V2
  spec_file: bud-co-retrieve-affordability-report-v2-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.75
  evidence: GET /affordability/v2/report "Retrieve Affordability Report V2"; schemas AffordabilityCriteria,
    CriteriaNetDisposableIncome, V2AffordabilityReportResponse
  reason: 'Same surface as V1: affordability criteria and net disposable income computation feeding lending
    decisions, so credit underwriting & decisioning. Confidence tempered because the API delivers the
    assessment data, not the decision workflow itself.'