specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: KeyCorp
providerId: keycorp
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-05'
reconciled: false
tags:
  - FinOps
  - FOCUS
  - Banking
  - Commercial Banking
  - Payments
description: 'FinOps shape for KeyCorp/KeyBank: per-transaction banking fees plus monthly treasury / cash-management
  charges bundled into the commercial-banking contract. No public API tariff.'
sources:
  - https://developer.key.com/
notes: KeyBank API consumption fees are not published; they roll up into the treasury-services bank-fee
  analysis statement. Reconcile from actual customer bank statements when available.
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: KeyBank N.A.
serviceCategory: Banking
billingModel:
  pricingCategory: Negotiated Contract (Bank Fees)
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
    - Usage
    - Purchase
    - Adjustment
focusColumns:
  ServiceName: KeyBank
  ServiceCategory: Banking
  ProviderName: KeyCorp
  PublisherName: KeyBank N.A.
  InvoiceIssuerName: KeyBank N.A.
  BillingCurrency: USD
meters:
  - name: ach_originations
    unit: transaction
    aggregation: sum
    dimensions:
      - account
      - sec_code
  - name: wire_transfers
    unit: transaction
    aggregation: sum
    dimensions:
      - account
      - direction
  - name: rtp_payments
    unit: transaction
    aggregation: sum
    dimensions:
      - account
  - name: account_inquiries
    unit: request
    aggregation: sum
    dimensions:
      - api
      - account
  - name: account_validations
    unit: request
    aggregation: sum
  - name: monthly_service_fee
    unit: month
    aggregation: sum
principles:
  - name: Visibility
    description: Pull KeyBank's monthly account-analysis statement (AFP service codes) and reconcile against
      API-driven payment volume from your treasury-management system.
  - name: Allocation
    description: Tag originated payments with internal cost-center metadata so per-business-unit ACH/Wire/RTP
      activity can be attributed.
  - name: Optimization
    description: Route low-urgency disbursements through ACH instead of Wire/RTP; use Account Validation
      to reduce return/repair fees.
  - name: Accountability
    description: Treasury and AP owners review the monthly bank-fee analysis statement, dispute exceptions,
      and negotiate the next contract cycle on actual API/transaction volume.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com