generated: '2026-07-20'
method: searched
source: DSB Consumer Data Standards CDR security profile + openapi x-scopes + review.yml
docs: https://consumerdatastandardsaustralia.github.io/standards/#security-profile
summary:
  types: [none, oauth2, openIdConnect]
  api_key_in: []
  oauth2_flows: [authorizationCode]
  note: Two distinct surfaces. The public Product Reference Data (PRD) endpoints are
    deliberately UNAUTHENTICATED per the Consumer Data Standards (product data carries
    no consumer information). All consumer-data endpoints (accounts, balances,
    transactions, direct debits, scheduled payments, payees, instalment plans) are
    gated by the CDR security profile, an OpenID Connect / FAPI 2.0 flow restricted
    to ACCC-accredited Data Recipients operating against the CDR Register.
surfaces:
- name: public-prd
  authentication: none
  description: GET /banking/products and GET /banking/products/{productId} require no
    credentials. Only the CDS version header (x-v) is mandatory.
  operations: [listBankingProducts, getBankingProductDetail]
- name: cdr-consumer-data
  authentication: oauth2 + openIdConnect (FAPI)
  profile: CDR security profile (FAPI 2.0 baseline)
  flows:
  - flow: authorizationCode
    grant: authorization_code
    features: [PAR, PKCE, private_key_jwt or MTLS client auth]
    authorizationUrl: via the bank's CDR InfoSec endpoints published to the CDR Register
    tokenUrl: via the bank's CDR InfoSec endpoints published to the CDR Register
  eligibility: ACCC-accredited Data Recipients (ADR) only; not a self-serve developer
    surface.
  scopes_ref: scopes/gateway-bank-scopes.yml
  operations:
  - listBankingAccounts
  - getBankingAccountDetail
  - listBankingBalancesBulk
  - listBankingBalancesSpecificAccounts
  - getBankingBalance
  - listBankingTransactions
  - getBankingTransactionDetail
  - listDirectDebits
  - listDirectDebitsBulk
  - listDirectDebitsSpecificAccounts
  - listScheduledPayments
  - listScheduledPaymentsBulk
  - listScheduledPaymentsSpecificAccounts
  - listInstalmentPlans
  - listInstalmentPlansBulk
  - listBankingPayees
  - getBankingPayeeDetail