generated: '2026-07-23'
method: derived
source: >-
  openapi/mettle-open-data-api-openapi.json (Open Data) + OBIE Read/Write v3.1
  resource model (AIS/PIS/CBPII)
notes: >-
  The Open Data API exposes flat product/location reference collections. The
  secured Read/Write APIs follow the OBIE resource graph anchored on Account and
  on consent resources; the core relationships are captured below from the OBIE
  standard.
entities:
- name: Brand
  api: open-data
  description: A banking brand (Mettle) grouping published product collections.
- name: BusinessCurrentAccount
  api: open-data
  description: A published business current account product with features, eligibility and rates.
- name: PersonalCurrentAccount
  api: open-data
- name: CommercialCreditCard
  api: open-data
- name: UnsecuredSmeLoan
  api: open-data
- name: Branch
  api: open-data
- name: Atm
  api: open-data
- name: Account
  api: aisp
  description: A customer's Mettle business current account.
- name: Balance
  api: aisp
- name: Transaction
  api: aisp
- name: AccountAccessConsent
  api: aisp
- name: DomesticPayment
  api: pisp
- name: DomesticPaymentConsent
  api: pisp
- name: FundsConfirmation
  api: cbpii
- name: FundsConfirmationConsent
  api: cbpii
relationships:
- from: Brand
  to: BusinessCurrentAccount
  type: has_many
- from: AccountAccessConsent
  to: Account
  type: has_many
  via: consent grants access to permitted accounts
- from: Account
  to: Balance
  type: has_one
  via: AccountId
- from: Account
  to: Transaction
  type: has_many
  via: AccountId
- from: DomesticPaymentConsent
  to: DomesticPayment
  type: has_one
  via: ConsentId
- from: DomesticPayment
  to: Account
  type: belongs_to
  via: DebtorAccount
- from: FundsConfirmationConsent
  to: FundsConfirmation
  type: has_many
  via: ConsentId