slug: memo-bank
provider: Memo Bank
generated_by: planning/capability-mapping/scripts/classify_capabilities.py
model: claude-opus-5
frame:
- Banking & Capital Markets
min_confidence: 0.7
capability_model:
  source: https://github.com/vincentmakes/turbo-ea-capabilities
  license: CC-BY-4.0
  attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities,
    CC BY 4.0
  notice: NOTICE
edge_count: 4
edges:
- tag: PIS
  spec_file: memo-bank-pis-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.9
  evidence: POST /v1/{payment-service}/{payment-product} initiatePayment 'Initiate a payment'; schema
    PaymentInitiationStatusResponseMinus200Json
  reason: 'PSD2 Payment Initiation Service: initiate, status, cancel payments with bulk payment initiation
    schemas. This is payment instruction capture, validation and authorisation.'
- tag: Transfers
  spec_file: memo-bank-transfers-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.9
  evidence: POST /v2/transfers createTransferV2 'Initiate a SEPA transfer'; POST /v2/transfers/bulks 'Create
    bulk transfers'
  reason: Initiation, bulk submission, cancellation and proof of SEPA credit transfers — payment instruction
    capture and authorisation.
- tag: Wire Transfers
  spec_file: memo-bank-wire-transfers-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.72
  evidence: POST /v2/wire_transfers createWireTransfer 'Initiate a wire transfer'; schemas IbanAndBic,
    AccountNumberAndRoutingCode
  reason: Initiation and tracking of wire transfers with beneficiary and BIC/routing details — payment
    instruction capture and authorisation. Presence of non-IBAN routing codes hints at cross-border, so
    the sub-capability split (initiation vs cross-border) is not fully certain.
- tag: Collections
  spec_file: memo-bank-collections-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.7
  evidence: '"POST /v2/collections  createCollection  Schedule a SEPA Direct Debit collection"; "DELETE
    /v2/collections/{id}  cancelCollection  Cancel a SEPA Direct Debit collection"; schema CollectionMandate'
  reason: Initiation, mandating, bulk submission and cancellation of SEPA Direct Debit collections — capture
    and authorisation of payment instructions. Some overlap with clearing/settlement (SEPA rails) keeps
    it at 0.7.