openapi: 3.2.0
info:
  title: Premium Payment Initiation API
  description: This API is used to manage payment orders
  version: 1.0.0
  x-db-template-version: 1.0.0
servers:
- description: Mock Environment - All possible response codes are randomly generated
  url: https://mock-api.danskebank.com/mock/sandbox/1.0.0/premium-corporate-payments-api/v1/corporate-paymentorders
- description: PROD Environment
  url: https://api.danskebank.com/corporate/api/v1/corporate-paymentorders
- description: SANDBOX Environment
  url: https://sandbox-api.danskebank.com/sandbox-corporate/api/v1/corporate-paymentorders
security:
- BearerAuth: []
tags:
- name: Premium Payment Initiation API
paths:
  /{paymentproduct}:
    post:
      parameters:
      - name: CorrelationId
        in: header
        description: Correlation ID for request tracking.
        required: true
        schema:
          type: string
          format: uuid
          example: 123e4567-e89b-12d3-a456-426614174000
      - name: idempotency-key
        in: header
        description: A unique key to ensure the request is processed only once. Used to generate PaymentId.
        required: true
        schema:
          type: string
          format: uuid
          example: 09100714-2926-415e-8059-e6c439ef7fcc
      - name: paymentproduct
        in: path
        description: Specifies the payment product type to be created.
        required: true
        schema:
          type: string
          example: dk-domestic-credit-transfer
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PremiumPaymentOrder'
            examples:
              salaryPayment:
                $ref: '#/components/examples/CreatePaymentRequest_Salary'
              fxContractPayment:
                $ref: '#/components/examples/CreatePaymentRequest_ExpressFX'
          text/json:
            schema:
              $ref: '#/components/schemas/PremiumPaymentOrder'
          application/*+json:
            schema:
              $ref: '#/components/schemas/PremiumPaymentOrder'
        required: true
      responses:
        '201':
          description: Created
          content:
            text/plain:
              schema:
                $ref: '#/components/schemas/Output'
            application/json:
              schema:
                $ref: '#/components/schemas/Output'
              examples:
                pendingApproval:
                  $ref: '#/components/examples/CreatePaymentResponse_PendingApproval'
                rejectedInsufficientFunds:
                  $ref: '#/components/examples/CreatePaymentResponse_Rejected'
            text/json:
              schema:
                $ref: '#/components/schemas/Output'
        '400':
          description: Bad Request
          content:
            text/plain:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                errorCode: 400
                message: Bad Request Error
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                invalidAmount:
                  summary: Invalid payment amount
                  value:
                    errorCode: 400
                    message: Invalid payment amount specified.
                missingRequiredField:
                  $ref: '#/components/examples/Error_MissingField'
                invalidExecutionDate:
                  $ref: '#/components/examples/Error_InvalidDate'
            text/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                errorCode: 400
                message: Bad Request Error
        '401':
          description: Unauthorized
          content:
            text/plain:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                errorCode: 401
                message: Unauthorized Error
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                missingToken:
                  summary: Missing token
                  value:
                    errorCode: 401
                    message: Authentication token is missing or invalid.
                expiredToken:
                  $ref: '#/components/examples/Error_ExpiredToken'
            text/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                errorCode: 401
                message: Unauthorized Error
        '500':
          description: Internal Server Error
          content:
            text/plain:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                errorCode: 500
                message: Internal Server Error
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                processingFailure:
                  summary: Generic processing failure
                  value:
                    errorCode: 500
                    message: An unexpected error occurred while processing the payment order.
                downstreamTimeout:
                  $ref: '#/components/examples/Error_DownstreamTimeout'
            text/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                errorCode: 500
                message: Internal Server Error
      tags:
      - Premium Payment Initiation API
components:
  schemas:
    RequestForTransferInstruction:
      required:
      - paymentType
      - separateFeeAccount
      type:
      - object
      - 'null'
      properties:
        paymentType:
          type:
          - string
          - 'null'
          description: The payment type
          example: UU
        separateFeeAccount:
          type:
          - string
          - 'null'
          description: Ability to key in fee account. Only supported if it's allowed for the specific BIC address and payment type
          example: '30013121012322'
      description: RequestForTransferInstruction for the payment.
    Output:
      required:
      - stateCode
      - transactionStatus
      - paymentId
      - error
      type: object
      properties:
        stateCode:
          type: string
          description: State code of the payment.
          example: pendingApproval
        transactionStatus:
          type: string
          description: Transaction status of the payment.
          example: ACTC
        paymentId:
          type: string
          description: Payment id of the payment.
          example: urn:ttid:district:v1:10b72f31-5279-4a98-946c-2ac08c934f7b
        error:
          $ref: '#/components/schemas/ErrorWithCodes'
    DebtorAgentAddress:
      required:
      - streetName
      - buildingNumber
      - townName
      - postCode
      - country
      - addresslines
      type:
      - object
      - 'null'
      properties:
        streetName:
          type:
          - string
          - 'null'
          description: Street name.
        buildingNumber:
          type:
          - string
          - 'null'
          description: Building number.
        townName:
          type:
          - string
          - 'null'
          description: Town name.
        postCode:
          type:
          - string
          - 'null'
          description: Postal code.
        country:
          type:
          - string
          - 'null'
          description: Country.
        addresslines:
          type:
          - array
          - 'null'
          items:
            type: string
          description: Address lines. Unstructured address that consists of array.
      description: The address of the debtor's financial institution.
    CreditorAccount:
      required:
      - bban
      - iban
      - other
      - entryText
      - bgnr
      - pgnr
      type:
      - object
      - 'null'
      properties:
        bban:
          type:
          - string
          - 'null'
          description: Account BBAN number.
          example: '30010930711860'
        iban:
          type:
          - string
          - 'null'
          description: Account IBAN number. If both are provided, only IBAN is used as input.
          example: DK02100100109307118603
        other:
          $ref: '#/components/schemas/Other'
        entryText:
          type:
          - string
          - 'null'
          description: Short text on debtors account statement.
          example: Free text
        bgnr:
          type:
          - string
          - 'null'
          description: Account in BankGiro number format.
          example: '53328795'
        pgnr:
          type:
          - string
          - 'null'
          description: Account in PlusGiro number format.
          example: '315'
      description: Creditor account using BBAN or IBAN reference.
    ErrorWithCodes:
      required:
      - errorKCode
      - errorIsoCode
      - errorText
      type:
      - object
      - 'null'
      properties:
        errorKCode:
          type: string
          description: Error code.
          example: K0813
        errorIsoCode:
          type: string
          description: ISO code for the error
          example: AC01
        errorText:
          type: string
          description: Error text.
          example: Payment has been rejected due to lack of funds on debtor account.
      description: Error details in case payment has been rejected.
    PremiumPaymentOrder:
      required:
      - localInstrument
      - requestedExecutionDate
      - requestedTransmissionDate
      - debtorAccount
      - debtorAgent
      - creditorAccount
      - creditorName
      - creditorAddress
      - instructedAmount
      - currencyOfTransfer
      - exchangeRateInformation
      - endToEndId
      - categoryPurpose
      - purposeCode
      - remittanceInformationUnstructured
      - remittanceInformationUnstructuredArray
      - remittanceInformationStructured
      - ultimateCreditor
      - ultimateDebtor
      - ultimateDebtorAddress
      - serviceLevel
      - creditorAgent
      - creditorAgentOther
      - creditorAgentAddress
      - chargeBearer
      - instructionForDebtorAgent
      - regulatoryReporting
      - debtorAgentAddress
      - chequeInstruction
      - requestForTransferInstruction
      type: object
      properties:
        localInstrument:
          type:
          - string
          - 'null'
          description: Identifies the clearing or settlement method.
          example: ONCL
        requestedExecutionDate:
          type:
          - string
          - 'null'
          description: Date for when the payment should be executed. If omitted, it will be pre-filled with first possible execution date
          example: '2024-09-22'
        requestedTransmissionDate:
          type:
          - string
          - 'null'
          description: Date when the payment request is transmitted to the bank, formatted as YYYY-MM-DD.
          example: '2024-09-22'
        debtorAccount:
          $ref: '#/components/schemas/DebtorAccount'
        debtorAgent:
          type:
          - string
          - 'null'
          description: DebtorAgent is the BIC address of the bank that holds the debit account. The field is either 8 or 11 characters long
          example: NDEADKKK
        creditorAccount:
          $ref: '#/components/schemas/CreditorAccount'
        creditorName:
          type:
          - string
          - 'null'
          description: Creditor's name.
          example: Danica
        creditorAddress:
          $ref: '#/components/schemas/CreditorAddress'
        instructedAmount:
          $ref: '#/components/schemas/InstructedAmount'
        currencyOfTransfer:
          type:
          - string
          - 'null'
          description: Used for equivalent amount to specify the currency of transfer if different from the currency of amount.
          example: DKK
        exchangeRateInformation:
          $ref: '#/components/schemas/ExchangeRateInformation'
        endToEndId:
          type:
          - string
          - 'null'
          description: A unique identifier for the payment transaction, enabling end-to-end tracking between debtor and creditor.
          example: '5726365026523262'
        categoryPurpose:
          type:
          - string
          - 'null'
          description: A code specifying the high-level purpose of the payment, such as salary or tax.
          example: SALA
        purposeCode:
          type:
          - string
          - 'null'
          description: A code indicating the specific purpose of the payment, such as salary, pension, or tax.
          example: PENS
        remittanceInformationUnstructured:
          type:
          - string
          - 'null'
          description: Free-text information for the payment.
          example: Free text
        remittanceInformationUnstructuredArray:
          type:
          - array
          - 'null'
          items:
            type: string
          description: An array of free-text lines for the payment.
          example:
          - Service payment for Q3
          - 'Reference: 12345'
        remittanceInformationStructured:
          $ref: '#/components/schemas/RemittanceInformationStructured'
        ultimateCreditor:
          type:
          - string
          - 'null'
          description: The final party that ultimately receives the payment funds.
          example: John Doe
        ultimateDebtor:
          type:
          - string
          - 'null'
          description: The original party responsible for the payment.
          example: Danica
        ultimateDebtorAddress:
          $ref: '#/components/schemas/UltimateDebtorAddress'
        serviceLevel:
          type:
          - string
          - 'null'
          description: Specifies the priority or processing speed of the payment. If nothing is given it will be processed according to what is stated in the local instrument.
          example: URGP
        creditorAgent:
          type:
          - string
          - 'null'
          description: The financial institution acting on behalf of the creditor.
          example: BICFI
        creditorAgentOther:
          $ref: '#/components/schemas/CreditorAgentOther'
        creditorAgentAddress:
          $ref: '#/components/schemas/CreditorAgentAddress'
        chargeBearer:
          type:
          - string
          - 'null'
          description: 'Indicates who pays the transaction fees: debtor (DEBT), creditor (cred), or shared (SHAR).'
          example: DEBT
        instructionForDebtorAgent:
          type:
          - string
          - 'null'
          description: Message or instructions from the debtor to their bank.
          example: message text to Danske Bank
        regulatoryReporting:
          $ref: '#/components/schemas/RegulatoryReporting'
        debtorAgentAddress:
          $ref: '#/components/schemas/DebtorAgentAddress'
        chequeInstruction:
          $ref: '#/components/schemas/ChequeInstruction'
        requestForTransferInstruction:
          $ref: '#/components/schemas/RequestForTransferInstruction'
    ChequeInstruction:
      required:
      - deliveryMethod
      - formsCode
      - senderInformation
      type: object
      properties:
        deliveryMethod:
          type:
          - string
          - 'null'
          description: Delivery method. MLDB - default to null - cheque will be sent to debtor. MLCD - cheque will be sent to creditor. If MLCD creditor and name is required
        formsCode:
          type:
          - string
          - 'null'
          description: CROSSED - information if the cheque is crossed
        senderInformation:
          type:
          - array
          - 'null'
          items:
            type: string
          description: Sender information - 2 lines of 35 characters are supported
    Other:
      required:
      - schemeNameProprietary
      - identification
      type:
      - object
      - 'null'
      properties:
        schemeNameProprietary:
          type: string
          description: Creditor proprietary scheme name.
          example: DanishSlip
        identification:
          type: string
          description: Creditor identification.
          example: '71123456789012345612345678'
      description: Alternative account type if neither IBAN nor BBAN is used.
    CreditorAgentAddress:
      required:
      - streetName
      - buildingNumber
      - townName
      - postCode
      - country
      - addresslines
      type:
      - object
      - 'null'
      properties:
        streetName:
          type:
          - string
          - 'null'
          description: Street name.
        buildingNumber:
          type:
          - string
          - 'null'
          description: Building number.
        townName:
          type:
          - string
          - 'null'
          description: Town name.
        postCode:
          type:
          - string
          - 'null'
          description: Postal code.
        country:
          type:
          - string
          - 'null'
          description: Country.
        addresslines:
          type:
          - array
          - 'null'
          items:
            type: string
          description: Address lines. Unstructured address that consists of array.
      description: The address of the creditor's financial institution
    UltimateDebtorAddress:
      required:
      - streetName
      - buildingNumber
      - townName
      - postCode
      - country
      - addresslines
      type:
      - object
      - 'null'
      properties:
        streetName:
          type:
          - string
          - 'null'
          description: Street name.
          example: 123 Main St
        buildingNumber:
          type:
          - string
          - 'null'
          description: Building number.
          example: A
        townName:
          type:
          - string
          - 'null'
          description: Town name.
          example: Copenhagen
        postCode:
          type:
          - string
          - 'null'
          description: Postal code.
          example: 1000
        country:
          type:
          - string
          - 'null'
          description: Country.
          example: DK
        addresslines:
          type:
          - array
          - 'null'
          items:
            type: string
          example:
          - 123 Main St
          - A
          - Copenhagen
          - DK
          description: Address lines. Unstructured address that consists of array.
      description: The original party's address responsible for the payment.
    ReferredDocumentInformation:
      required:
      - type
      - issuer
      - number
      - relatedDate
      type:
      - object
      - 'null'
      properties:
        type:
          type:
          - string
          - 'null'
          description: The type of the referenced document.
          example: CINV
        issuer:
          type:
          - string
          - 'null'
          description: The issuer of the referenced document.
          example: Issuer
        number:
          type:
          - string
          - 'null'
          description: The number of the referenced document.
          example: '123456'
        relatedDate:
          type:
          - string
          - 'null'
          description: The date related to the referenced document.
          example: '2023-10-01'
      description: Information about the related document(s) associated with the payment, such as invoices, credit notes, or statements.
    ExchangeRateInformation:
      required:
      - type
      - contractIdentification
      type:
      - object
      - 'null'
      properties:
        type:
          type: string
          description: The type of exchange rate applied to the payment.
          example: SPOT
        contractIdentification:
          type:
          - string
          - 'null'
          description: The contract number for an agreed exchange rate (AGRT type only).
          example: VH4240926A0037
      description: Payment exchange information
    ErrorResponse:
      type: object
      properties:
        errorCode:
          pattern: ^-?(?:0|[1-9]\d*)$
          format: int32
          example: 500
        message:
          type: string
          example: Internal Server Error
    DebtorAccount:
      required:
      - bban
      - iban
      - entryText
      - bgnr
      type: object
      properties:
        bban:
          type:
          - string
          - 'null'
          description: Account in BBAN format.
          example: '30010930711860'
        iban:
          type:
          - string
          - 'null'
          description: Account in IBAN format. If both BBAN and IBAN are provided, only IBAN is used as input.
          example: DK02100100109307118603
        entryText:
          type:
          - string
          - 'null'
          description: Short text on debtor's account statement.
          example: Free text
        bgnr:
          type:
          - string
          - 'null'
          description: Account in BankGiro number format.
          example: '53328795'
      description: Debtor account using BBAN or IBAN reference.
    RegulatoryReporting:
      required:
      - detailsCode
      - detailsInformation
      - detailsCountry
      type:
      - object
      - 'null'
      properties:
        detailsCode:
          type:
          - string
          - 'null'
          description: A code specifying the regulatory reporting detail.
          example: '912'
        detailsInformation:
          type:
          - array
          - 'null'
          items:
            type: string
          description: Additional information for regulatory reporting.Can be provided as a single string or an array of strings.
          example:
          - Dividend on foreign shares
        detailsCountry:
          type:
          - string
          - 'null'
          description: Details country
          example: UK
      description: Information required for regulatory compliance.
    InstructedAmount:
      required:
      - amount
      - currency
      type: object
      properties:
        amount:
          type: number
          description: The payment amount in decimal format.
          format: double
          example: 10.03
        currency:
          type: string
          description: The currency of the payment amount.
          example: DKK
      description: The amount and currency to be transferred.
    CreditorAgentOther:
      required:
      - clearingSystemId
      - memberId
      type:
      - object
      - 'null'
      properties:
        clearingSystemId:
          type:
          - string
          - 'null'
          description: The code identifying the international registration number for the branch of the creditor bank in the chosen country.
          example: FW
        memberId:
          type:
          - string
          - 'null'
          description: The bank or member ID. Must be entered as numbers only, without dashes or other characters.
          example: '075000022'
      description: Additional information about the creditor's agent
    RemittanceInformationStructured:
      required:
      - reference
      - referredDocumentInformation
      type:
      - object
      - 'null'
      properties:
        reference:
          type:
          - string
          - 'null'
          description: A structured reference number for the payment.
          example: RF12345678
        referredDocumentInformation:
          $ref: '#/components/schemas/ReferredDocumentInformation'
      description: Structured remittance information for the payment.
    CreditorAddress:
      required:
      - streetName
      - buildingNumber
      - townName
      - postCode
      - country
      - addresslines
      type:
      - object
      - 'null'
      properties:
        streetName:
          type:
          - string
          - 'null'
          description: Street name.
          example: Oxford Lane
        buildingNumber:
          type:
          - string
          - 'null'
          description: Building number.
          example: '20'
        townName:
          type:
          - string
          - 'null'
          description: Town name.
          example: New York
        postCode:
          type:
          - string
          - 'null'
          description: Postal code.
          example: '8464'
        country:
          type:
          - string
          - 'null'
          description: Country.
          example: DK
        addresslines:
          type:
          - array
          - 'null'
          items:
            type: string
          description: Address lines. Unstructured address that consists of array.
          example: '["BARCLAYS BANK PLC FRANCE", "21, RUE LAFITT", "F-75315 PARIS CEDEX 09"]'
      description: The address of the creditor receiving the payment.
  examples:
    CreatePaymentRequest_Salary:
      summary: Salary payment (local currency)
      value:
        localInstrument: ONCL
        requestedExecutionDate: '2024-09-22'
        debtorAccount:
          bban: 30010930711860
          iban: DK02100100109307118603
          entryText: September Salary
        creditorAccount:
          bban: 30010930711860
          iban: DK02100100109307118603
          entryText: Employee Account
        creditorName: John Employee
        creditorAddress:
          streetName: High Street
          buildingNumber: '10'
          townName: Copenhagen
          postCode: '1000'
          country: DK
          addresslines:
          - High Street 10
          - Copenhagen
          - DK-1000
        instructedAmount:
          amount: 15000.75
          currency: DKK
        currencyOfTransfer: DKK
        exchangeRateInformation:
          type: SPOT
          contractIdentification: VH4240926A0037
        endToEndId: E2E-SALARY-20240922-0001
        categoryPurpose: SALA
        purposeCode: PENS
        remittanceInformationUnstructured: September Salary
        remittanceInformationStructured:
          reference: RF12345678
          referenceType: SCOR
        ultimateCreditor: John Employee
        ultimateDebtor: Company A/S
        ultimateDebtorAddress:
          streetName: Business Park
          buildingNumber: '5'
          townName: Copenhagen
          postCode: '1000'
          country: DK
          addresslines:
          - Business Park 5
          - Copenhagen
          - DK
        serviceLevel: URGP
        creditorAgent: BICFI
        creditorAgentAddress:
          streetName: Agent Street
          buildingNumber: '2'
          townName: Copenhagen
          postCode: '1000'
          country: DK
          addresslines:
          - Agent Street 2
          - Copenhagen
          - DK
        chargeBearer: DEBT
        instructionForDebtorAgent: Process on execution date
        regulatoryReporting:
          detailsCode: '912'
          detailsInformation: Salary payment
          detailsCountry: DK
        debtorAgentAddress:
          streetName: Debtor Bank Rd
          buildingNumber: '1'
          townName: Copenhagen
          postCode: '1000'
          country: DK
          addresslines:
          - Debtor Bank Rd 1
          - Copenhagen
          - DK
    CreatePaymentResponse_PendingApproval:
      summary: Payment created and awaiting approval
      value:
        stateCode: pendingApproval
        transactionStatus: ACTC
        paymentId: urn:ttid:district:v1:10b72f31-5279-4a98-946c-2ac08c934f7b
        error:
          errorKCode: K0812
          errorIsoCode: AC02
          errorText: Payment created and awaiting approva.
    CreatePaymentRequest_ExpressFX:
      summary: Cross-currency payment using FX contract
      value:
        localInstrument: ONCL
        requestedExecutionDate: '2024-09-23'
        debtorAccount:
          bban: 30010930711860
          iban: DK02100100109307118603
          entryText: FX Supplier
        creditorAccount:
          bban: 30010930711860
          iban: DK02100100109307118603
          entryText: Supplier Account
        creditorName: Global Supplier Ltd
        creditorAddress:
          streetName: Export Ave
          buildingNumber: '50'
          townName: Hamburg
          postCode: '20095'
          country: DE
          addresslines:
          - Export Ave 50
          - Hamburg
          - DE
        instructedAmount:
          amount: 25000.0
          currency: EUR
        currencyOfTransfer: EUR
        exchangeRateInformation:
          type: SPOT
          contractIdentification: FXC-2024-0915-001
        endToEndId: E2E-FX-20240923-0099
        categoryPurpose: SUPP
        purposeCode: GDDS
        remittanceInformationUnstructured: Invoice 9921
        remittanceInformationStructured:
          reference: RF55667788
          referenceType: SCOR
        ultimateCreditor: Global Supplier Ltd
        ultimateDebtor: Company A/S
        ultimateDebtorAddress:
          streetName: Business Park
          buildingNumber: '5'
          townName: Copenhagen
          postCode: '1000'
          country: DK
          addresslines:
          - Business Park 5
          - Copenhagen
          - DK
        serviceLevel: URGP
        creditorAgent: BICFI
        creditorAgentAddress:
          streetName: Agent Straße
          buildingNumber: '12'
          townName: Hamburg
          postCode: '20095'
          country: DE
          addresslines:
          - Agent Straße 12
          - Hamburg
          - DE
        chargeBearer: DEBT
        instructionForDebtorAgent: Execute ASAP
        regulatoryReporting:
          detailsCode: '912'
          detailsInformation: Goods import
          detailsCountry: DE
        debtorAgentAddress:
          streetName: Debtor Bank Rd
          buildingNumber: '1'
          townName: Copenhagen
          postCode: '1000'
          country: DK
          addresslines:
          - Debtor Bank Rd 1
          - Copenhagen
          - DK
    CreatePaymentResponse_Rejected:
      summary: Payment rejected at creation time
      value:
        stateCode: rejected
        transactionStatus: RJCT
        paymentId: urn:ttid:district:v1:10b72f31-5279-4a98-946c-2ac08c934f7b
        error:
          errorKCode: K0813
          errorIsoCode: AC01
          errorText: Payment has been rejected due to lack of funds on debtor account.
    Error_DownstreamTimeout:
      summary: Timeout calling downstream clearing service
      value:
        errorCode: 500
        message: Clearing network timeout; please retry later.
    Error_InvalidDate:
      summary: Invalid execution date
      value:
        errorCode: 400
        message: requestedExecutionDate cannot be in the past.
    Error_ExpiredToken:
      summary: Expired authentication token
      value:
        errorCode: 401
        message: Authentication token has expired.
    Error_MissingField:
      summary: Missing required field
      value:
        errorCode: 400
        message: Field 'debtorAccount' is required.
  securitySchemes:
    BearerAuth:
      description: 'JWT Authorization header using the Bearer scheme. Example: "Authorization: Bearer {token}"'
      type: http
      scheme: bearer
      bearerFormat: JWT