slug: paywithmybank
provider: PayWithMyBank (Trustly)
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: 3
edges:
- tag: transactions
  spec_file: paywithmybank-transactions-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.8
  evidence: POST /establish 'Establish a new transaction for authorization', 'Capture transaction', 'Refund
    transaction', 'Preauthorize transaction'
  reason: 'Core pay-by-bank transaction lifecycle: authorisation, capture, refund, cancel — payment initiation
    and processing.'
- tag: payments
  spec_file: paywithmybank-payments-api-openapi.yml
  capability_id: BC-1340.20
  capability_id_l1: BC-1340
  capability_name: Payment Processing Management
  confidence: 0.75
  evidence: GET /payments list-payments 'List payments'; schemas PaymentAuth, PaymentSystem, PaymentMerchant,
    FinancialInstitutionAccountVerification
  reason: Open-banking payment records retrieval for merchant bank-account payments; payment processing
    domain, though the tag is read-only query surface.
- tag: identity
  spec_file: paywithmybank-identity-api-openapi.yml
  capability_id: BC-1300.20
  capability_id_l1: BC-1300
  capability_name: KYC & Customer Due Diligence Management
  confidence: 0.7
  evidence: 'GET /transactions/{transactionId}/user/detail  get-trustly-id-user-details  Get user verification
    details; schemas: WatchlistScreeningResult, AdversityMediaScreeningResult, UserVerificationDetail'
  reason: Returns identity verification outcomes plus watchlist and adverse-media screening results for
    the payer — the substance of KYC/CDD due diligence. Some ambiguity with sanctions screening (BC-1400.20),
    but the surface is user identity verification rather than list/hit administration.