generated: '2026-07-20'
method: derived
source: openapi/gateway-bank-cds-banking-products-openapi.yml ($ref links + id-reference
  fields)
docs: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
note: Entity-relationship graph derived from the shared CDS Banking schemas. Only the
  Product entity is publicly reachable; the rest require CDR accreditation.
entities:
- name: Product
  id_field: productId
  id_type: BankingProductId (data-holder specific, not ID-permanence bound)
  public: true
  operations: [listBankingProducts, getBankingProductDetail]
- name: Account
  id_field: accountId
  id_type: BankingAccountId (ID-permanence)
  operations: [listBankingAccounts, getBankingAccountDetail]
- name: Balance
  operations: [listBankingBalancesBulk, listBankingBalancesSpecificAccounts, getBankingBalance]
- name: Transaction
  id_field: transactionId
  id_type: BankingTransactionId (ID-permanence)
  operations: [listBankingTransactions, getBankingTransactionDetail]
- name: DirectDebit
  operations: [listDirectDebits, listDirectDebitsBulk, listDirectDebitsSpecificAccounts]
- name: ScheduledPayment
  id_field: scheduledPaymentId
  id_type: BankingScheduledPaymentId (ID-permanence)
  operations: [listScheduledPayments, listScheduledPaymentsBulk, listScheduledPaymentsSpecificAccounts]
- name: Payee
  id_field: payeeId
  id_type: BankingPayeeId (ID-permanence)
  operations: [listBankingPayees, getBankingPayeeDetail]
- name: InstalmentPlan
  id_field: instalmentPlanId
  id_type: BankingInstalmentPlanId (ID-permanence)
  operations: [listInstalmentPlans, listInstalmentPlansBulk]
relationships:
- from: Account
  to: Product
  type: belongs_to
  via: productCategory / product reference
- from: Balance
  to: Account
  type: belongs_to
  via: accountId
- from: Transaction
  to: Account
  type: belongs_to
  via: accountId
- from: DirectDebit
  to: Account
  type: belongs_to
  via: accountId
- from: ScheduledPayment
  to: Account
  type: belongs_to
  via: accountId
- from: ScheduledPayment
  to: Payee
  type: has_one
  via: payeeReference
- from: InstalmentPlan
  to: Account
  type: belongs_to
  via: accountId