specification: API Commons Vocabulary
specificationVersion: '0.1'
provider: Enable Banking
providerId: enable-banking
created: '2026-05-25'
modified: '2026-05-25'
description: Vocabulary for the Enable Banking Open Banking aggregation API. Captures PSD2, ISO 20022, and
  Berlin Group NextGenPSD2 terms harmonized across the Enable Banking developer surface.
sources:
- https://enablebanking.com/docs/
- https://enablebanking.com/docs/api/reference/
- https://www.eba.europa.eu/regulation-and-policy/payment-services
- https://www.iso20022.org/

dimensions:
- name: Operational
  description: Verbs and lifecycle states observable on the API surface.
  terms:
  - StartAuthorization
  - AuthorizeSession
  - GetSession
  - DeleteSession
  - GetAccountDetails
  - GetAccountBalances
  - GetAccountTransactions
  - GetAccountTransaction
  - CreatePayment
  - GetPayment
  - DeletePayment
  - GetPaymentTransaction
  - GetAspsps
  - GetApplication

- name: Resource
  description: First-class API resources.
  terms:
  - Session
  - Consent
  - Access
  - Account
  - Balance
  - Transaction
  - Payment
  - PaymentRequest
  - ASPSP
  - Application

- name: Actor
  description: Roles in the PSD2 trust triangle and beyond.
  terms:
  - PSU
  - TPP
  - ASPSP
  - AISP
  - PISP
  - ConfirmationOfFunds
  - Aggregator
  - Application

- name: Authentication
  description: How the application authenticates to Enable Banking and how the PSU authenticates to the ASPSP.
  terms:
  - JWT
  - RS256
  - eIDAS
  - BearerToken
  - SCA
  - StrongCustomerAuthentication
  - RedirectAuth
  - DecoupledAuth
  - EmbeddedAuth
  - OAuth2
  - mTLS

- name: PaymentScheme
  description: Payment schemes exposed by Enable Banking's PIS.
  terms:
  - SEPA_CREDIT_TRANSFER
  - INSTANT_SEPA_CREDIT_TRANSFER
  - DOMESTIC_CREDIT_TRANSFER
  - INSTANT_DOMESTIC_CREDIT_TRANSFER
  - TARGET2_PAYMENT
  - BULK_SEPA_CREDIT_TRANSFER
  - FOREIGN_CREDIT_TRANSFER
  - PERIODIC_SEPA_CREDIT_TRANSFER
  - PERIODIC_DOMESTIC_CREDIT_TRANSFER

- name: ISO20022Code
  description: Normative code lists referenced in responses.
  terms:
  - CashAccountType
  - BalanceType
  - CreditDebitIndicator
  - PaymentStatus
  - PriorityCode
  - ChargeBearerCode
  - PurposeCode
  - CategoryPurposeCode

- name: Regulatory
  description: Regulatory frameworks Enable Banking operates within.
  terms:
  - PSD2
  - PSD3
  - FIDA
  - GDPR
  - DORA
  - eIDAS
  - FIN-FSA
  - EBA

- name: Geography
  description: Geographic scope of the Enable Banking footprint.
  terms:
  - EEA
  - Nordic
  - Finland
  - Sweden
  - Norway
  - Denmark
  - Estonia
  - Latvia
  - Lithuania
  - Germany
  - France
  - Italy
  - Spain
  - Poland

- name: Capability
  description: Naftiko capability namespaces published in capabilities/.
  terms:
  - sessions-user-sessions
  - accounts-accounts-data
  - payments-payments
  - aspsps-misc
  - open-banking