slug: tandem-bank provider: Tandem 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: 17 edges: - tag: Domestic Payments spec_file: tandem-bank-domestic-payments-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.95 evidence: POST /domestic-payments "Initiate a Domestic Payment"; schema OBWriteDomestic2, ExternalPaymentTransactionStatus1Code reason: Operations initiate and retrieve domestic payment instructions and their transaction status — payment initiation management, no other reading fits. - tag: Domestic Payment Consents spec_file: tandem-bank-domestic-payment-consents-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.9 evidence: POST /domestic-payment-consents "Create a Domestic Payment Consent"; GET .../funds-confirmation "Confirm availability of funds for a Domestic Payment" reason: Open Banking PIS consent creation with SCA support data and funds-availability confirmation is precisely payment instruction capture, validation and authorisation. - tag: Domestic Scheduled Payments spec_file: tandem-bank-domestic-scheduled-payments-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.9 evidence: POST /domestic-scheduled-payments "Initiate a Domestic Scheduled Payment" reason: Submission and retrieval of future-dated domestic payment instructions with transaction status codes — payment initiation management. - tag: Domestic Standing Orders spec_file: tandem-bank-domestic-standing-orders-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.9 evidence: POST /domestic-standing-orders "Submit a Domestic Standing Order"; schema OBWriteDomesticStandingOrder3 reason: Submission and retrieval of recurring domestic payment instructions and their payment details — payment initiation management. - tag: Domestic Scheduled Payment Consents spec_file: tandem-bank-domestic-scheduled-payment-consents-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.88 evidence: POST /domestic-scheduled-payment-consents "Create a Domestic Scheduled Payment Consent"; schema OBWriteDomesticScheduledConsent4, OBSCASupportData1 reason: Consent/authorisation capture for a future-dated domestic payment instruction is payment initiation (capture, validation, authorisation). - tag: International Payments spec_file: tandem-bank-international-payments-api-openapi.yml capability_id: BC-1340.40 capability_id_l1: BC-1340 capability_name: Cross-Border Payment Management confidence: 0.88 evidence: POST /international-payments CreateInternationalPayments Initiate an International Payment reason: Operations initiate and retrieve international payments with currency and financial-institution identification schemas — clearly cross-border payment management. - tag: Domestic Standing Order Consents spec_file: tandem-bank-domestic-standing-order-consents-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.85 evidence: POST /domestic-standing-order-consents "Create a Domestic Standing Order Consent"; schema OBFrequency6, OBSCASupportData1 reason: Consent and SCA capture for a recurring domestic standing order instruction — payment instruction capture and authorisation. - tag: International Scheduled Payments spec_file: tandem-bank-international-scheduled-payments-api-openapi.yml capability_id: BC-1340.40 capability_id_l1: BC-1340 capability_name: Cross-Border Payment Management confidence: 0.85 evidence: POST /international-scheduled-payments CreateInternationalScheduledPayments Initiate an International Scheduled Payment reason: Initiation and retrieval of future-dated international payments — cross-border payment management. - tag: International Standing Orders spec_file: tandem-bank-international-standing-orders-api-openapi.yml capability_id: BC-1340.40 capability_id_l1: BC-1340 capability_name: Cross-Border Payment Management confidence: 0.85 evidence: POST /international-standing-orders CreateInternationalStandingOrders Submit an International Standing Order reason: Submission and retrieval of recurring international payment instructions (OBFrequency6) — cross-border payment management. - tag: Products spec_file: tandem-bank-products-api-openapi.yml capability_id: BC-1310.10 capability_id_l1: BC-1310 capability_name: Product Catalogue Management confidence: 0.85 evidence: GET /products GetProducts Get Products; schemas OBPCAData1, OBBCAData1, OB_FeeFrequency1Code_1, OB_InterestRateType1Code_1 reason: Exposes the bank's personal and business current account product data including fees and interest rate types — a banking product catalogue surface. - tag: File Payment Consents spec_file: tandem-bank-file-payment-consents-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.8 evidence: POST /file-payment-consents "Create a File Payment Consent"; POST /file-payment-consents/{ConsentId}/file "Upload a File for a ConsentId" reason: Bulk/batch payment file consent and upload for Open Banking payment initiation; file upload here is the payment instruction medium, not generic file handling. Consent + SCA capture places it in payment initiation. - tag: File Payments spec_file: tandem-bank-file-payments-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.8 evidence: POST /file-payments "Submit a File Payment"; GET /file-payments/{FilePaymentId}/report-file reason: Submission of bulk payment files and retrieval of payment details/report files — initiation of batch payment instructions. Could arguably extend to payment processing, but the surface is instruction submission. - tag: Parties spec_file: tandem-bank-parties-api-openapi.yml capability_id: BC-1300.40 capability_id_l1: BC-1300 capability_name: Customer Information Management confidence: 0.8 evidence: GET /party GetParty Get Party; schemas OBReadParty2, PartyNumber, FullLegalName, EmailAddress, OBPostalAddress7 reason: Returns the account holder / party identity and contact details held by the bank — banking customer information management. - tag: International Scheduled Payments Consents spec_file: tandem-bank-international-scheduled-payments-consents-api-openapi.yml capability_id: BC-1340.40 capability_id_l1: BC-1340 capability_name: Cross-Border Payment Management confidence: 0.78 evidence: POST /international-scheduled-payment-consents CreateInternationalScheduledPaymentConsents Create an International Scheduled Payment Consent reason: Consent/authorisation surface for international scheduled payments under Open Banking payment initiation; cross-border payment management fits, with some ambiguity versus generic payment initiation. - tag: International Standing Orders Consents spec_file: tandem-bank-international-standing-orders-consents-api-openapi.yml capability_id: BC-1340.40 capability_id_l1: BC-1340 capability_name: Cross-Border Payment Management confidence: 0.78 evidence: POST /international-standing-order-consents CreateInternationalStandingOrderConsents Create an International Standing Order Consent reason: Consent capture for recurring international payment instructions within the Open Banking Payment Initiation spec — cross-border payments. - tag: International Payment Consents spec_file: tandem-bank-international-payment-consents-api-openapi.yml capability_id: BC-1340.40 capability_id_l1: BC-1340 capability_name: Cross-Border Payment Management confidence: 0.75 evidence: POST /international-payment-consents CreateInternationalPaymentConsents Create an International Payment Consent ... Confirm Funds Availability for an International Payment reason: Open Banking Payment Initiation consent surface for international (cross-border) payments, including customer authorisation and funds check. Cross-border payment management is the closest fit; alternative reading is generic payment initiation authorisation. - tag: Accounts spec_file: tandem-bank-accounts-api-openapi.yml capability_id: BC-1330.10 capability_id_l1: BC-1330 capability_name: Deposit Account Management confidence: 0.7 evidence: 'GET /accounts GetAccounts; schemas: OBInternalAccountType1Code, OBExternalAccountSubType1Code, OBInternalAccountStatus1Code' reason: Open Banking account information for a retail bank's deposit/savings accounts — account master data retrieval under Deposits & Savings Management; sub-capability choice (deposit account vs lifecycle) carries some uncertainty.