generated: '2026-07-20'
method: derived
source: openapi/imb-bank-cds-banking-products-openapi.yml
note: Entity-relationship graph derived from the CDR Banking schema $ref links and
  id-reference fields. Products are public (unauthenticated PRD); accounts and their
  children are member-consented resources.
entities:
- name: BankingProduct
  id: productId
  access: public
  key_schemas: [BankingProductV6, ResponseBankingProductListV4]
  note: A retail banking product (home loan, deposit, card, etc.) with category, fees,
    rates, features, eligibility and constraints.
- name: BankingAccount
  id: accountId
  access: consented
  key_schemas: [BankingAccount, BankingAccountDetail]
- name: BankingBalance
  id: accountId
  access: consented
  key_schemas: [BankingBalance, ResponseBankingAccountsBalanceList]
- name: BankingTransaction
  id: transactionId
  access: consented
  key_schemas: [BankingTransaction, BankingTransactionDetail]
- name: BankingDirectDebit
  access: consented
  key_schemas: [BankingDirectDebit, BankingAuthorisedEntity]
- name: BankingScheduledPayment
  id: scheduledPaymentId
  access: consented
  key_schemas: [BankingScheduledPayment, BankingScheduledPaymentRecurrence]
- name: BankingPayee
  id: payeeId
  access: consented
  key_schemas: [BankingPayee, BankingPayeeDetail, BankingDomesticPayee, BankingBillerPayee,
    BankingInternationalPayee, BankingDigitalWalletPayee]
- name: BankingInstalmentPlan
  id: instalmentPlanId
  access: consented
  key_schemas: [BankingInstalmentPlan, BankingInstalmentPlanSchedule]
relationships:
- from: BankingAccount
  to: BankingProduct
  type: belongs_to
  via: productCategory
- from: BankingAccount
  to: BankingBalance
  type: has_one
  via: accountId
- from: BankingAccount
  to: BankingTransaction
  type: has_many
  via: accountId
- from: BankingAccount
  to: BankingDirectDebit
  type: has_many
  via: accountId
- from: BankingAccount
  to: BankingScheduledPayment
  type: has_many
  via: accountId
- from: BankingAccount
  to: BankingInstalmentPlan
  type: has_many
  via: accountId
- from: BankingTransaction
  to: BankingAccount
  type: belongs_to
  via: accountId
- from: BankingScheduledPayment
  to: BankingPayee
  type: has_one
  via: payeeReference
id_prefixes:
  note: CDR account/transaction/payee ids are opaque, tokenised (ASCII) identifiers
    scoped to a consent arrangement; no stable human-readable prefix scheme.