{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/enable-banking/main/json-schema/enable-banking-transaction-schema.json",
  "title": "Enable Banking Transaction",
  "description": "Harmonized transaction representation returned by /accounts/{account_id}/transactions across all Enable Banking ASPSPs. Aligned with ISO 20022 cash management messages and Berlin Group NextGenPSD2 conventions.",
  "type": "object",
  "required": ["entry_reference", "transaction_amount", "credit_debit_indicator"],
  "properties": {
    "entry_reference": { "type": "string", "description": "Unique transaction reference at the ASPSP." },
    "transaction_amount": {
      "type": "object",
      "required": ["currency", "amount"],
      "properties": {
        "currency": { "type": "string", "description": "ISO 4217 currency code." },
        "amount": { "type": "string", "description": "Decimal amount as string per ISO 20022." }
      }
    },
    "credit_debit_indicator": {
      "type": "string",
      "enum": ["CRDT", "DBIT"],
      "description": "Direction — credit or debit relative to the PSU account."
    },
    "status": {
      "type": "string",
      "enum": ["BOOK", "PDNG", "INFO", "OTHR"],
      "description": "ISO 20022 transaction status."
    },
    "booking_date": { "type": "string", "format": "date" },
    "value_date": { "type": "string", "format": "date" },
    "transaction_date": { "type": "string", "format": "date" },
    "balance_after_transaction": {
      "type": "object",
      "properties": {
        "balance_amount": {
          "type": "object",
          "properties": {
            "currency": { "type": "string" },
            "amount": { "type": "string" }
          }
        }
      }
    },
    "reference_number": { "type": "string", "description": "Structured creditor reference (RF, Finnish, Norwegian KID, etc)." },
    "remittance_information": {
      "type": "array",
      "items": { "type": "string" },
      "description": "Free-form remittance info lines."
    },
    "bank_transaction_code": {
      "type": "object",
      "properties": {
        "description": { "type": "string" },
        "code": { "type": "string" },
        "sub_code": { "type": "string" }
      }
    },
    "creditor": {
      "type": "object",
      "properties": {
        "name": { "type": "string" },
        "postal_address": { "type": "object" },
        "organisation_id": { "type": "object" },
        "private_id": { "type": "object" }
      }
    },
    "creditor_account": { "type": "object" },
    "creditor_agent": { "type": "object" },
    "debtor": { "type": "object" },
    "debtor_account": { "type": "object" },
    "debtor_agent": { "type": "object" },
    "exchange_rate": {
      "type": "object",
      "properties": {
        "rate": { "type": "string" },
        "source_currency": { "type": "string" },
        "target_currency": { "type": "string" }
      }
    },
    "merchant_category_code": { "type": "string", "description": "ISO 18245 MCC." },
    "note": { "type": "string" },
    "transaction_id": { "type": "string", "description": "Enable Banking transaction id used for detail lookup." }
  }
}