# Citigroup (Citi)

> Citi is a global money-center financial-services holding company serving consumers, corporations, governments, and institutions across roughly 90 countries. It exposes public API access through two voluntary developer surfaces: the retail Citi Developer Hub (partner.citi.com / developer.citi.com), one of the earliest bank open-banking programs (launched 2016), and the corporate CitiConnect channel within Treasury and Trade Solutions (launched 2017, 1B+ API calls). No public downloadable OpenAPI, SDK, or Postman artifacts are published; documentation is HTML and partner-gated. Authentication is OAuth 2.0 with customer consent (retail) and OAuth 2.0 + mutual TLS (corporate).

## Developer surfaces
- [Citi Developer Portal](https://developer.citi.com/): Retail Citi Developer Hub landing.
- [Citi Partner Portal](https://partner.citi.com/): Consolidated retail open-banking developer documentation.
- [Citi Partner Developers](https://partner.citi.com/developers): API documentation and onboarding.
- [Open Banking Products](https://partner.citi.com/products/open-banking): Retail open-banking product catalog.
- [CitiConnect API Portal](https://www.citigroup.com/global/insights/citiconnect-api-portal): Corporate treasury and trade API channel.
- [Treasury and Trade Solutions](https://www.citigroup.com/global/businesses/services/treasury-and-trade-solutions): TTS business overview.
- [Sandbox API Catalog](https://sandbox.developerhub.citi.com/api-catalog-list): Developer sandbox catalog (JS-rendered).

## Retail APIs (Citi Developer Hub)
- Citi Accounts and Transactions API: Authorized access to retail accounts, balances, and transaction history.
- Citi Authorize API: OAuth 2.0 authorization-code and customer-consent (SCA) flows underpinning the retail catalog.
- Citi Customers API: Authorized access to retail customer profile information for onboarding/KYC.
- Citi Money Movement API: Payment initiation (ACH, wire, internal transfers) on behalf of a consenting customer.
- Citi Onboarding API: Digital account opening, document submission, and KYC-driven origination.
- Citi Pay with Points API: ThankYou points / rewards redemption at merchant checkouts and in partner apps.
- Citi Utilities API: Reference data — FX rates, branch/ATM locators, cut-off times.

## Corporate APIs (CitiConnect / Treasury and Trade Solutions)
- CitiConnect API: Real-time payment initiation, status reporting, request-to-pay, direct debits, account-balance inquiry for ERP/TMS integration.
- CitiConnect WorldLink Payment Services API: Cross-border, multi-currency payments with FX rate enquiry and deal booking (24x7).
- CitiConnect FX (Real-Time FX) API: Real-time FX rates and contract booking from ERP/TMS systems.
- CitiConnect Statements and Reporting API: Self-service reports, statements, intraday/prior-day balance and transaction reporting, proof-of-payment.

## Company
- [Citi Website](https://www.citigroup.com): Corporate site.
- [News / Blog](https://www.citigroup.com/global/news): Citi news and insights.
- [Investor Relations](https://www.citigroup.com/global/investors): Investor materials.
- [Citi on GitHub](https://github.com/citi): Citi open-source program office (tooling and FINOS contributions; not banking-API SDKs).
- [Terms of Service](https://online.citi.com/US/JRS/pands/detail.do?ID=Terms)
- [Privacy Policy](https://online.citi.com/US/JRS/pands/detail.do?ID=PrivacyTerms)

## Notes
- Authentication: OAuth 2.0 authorization-code + consent (retail); OAuth 2.0 + mutual TLS (CitiConnect).
- Open finance: Citi is a co-owner of the Akoya data-access network; consumer-permissioned data aligned to FDX / CFPB Section 1033.
- No public OpenAPI, SDK, CLI, or Postman collection is published; production access requires partner onboarding.