generated: '2026-07-23'
method: derived
source: openapi/*.yaml (OBIE Read/Write v4.0.1 schemas + path structure)
note: >-
  Entity-relationship graph derived from the OBIE Read/Write API resource paths
  and schemas that Tandem Bank's dedicated interface conforms to. Entities are
  grouped by API. Relationships are inferred from URI structure (AccountId,
  ConsentId, and payment/order resource ids) — the OBIE model is consent-anchored:
  a TPP first creates a consent resource, the PSU authorises it under SCA, and
  data/payment resources are then accessed against that authorised consent.
id_conventions:
  account: AccountId (opaque, ASPSP-assigned)
  consent: ConsentId (per intent type)
  payment: DomesticPaymentId / InternationalPaymentId / FilePaymentId (+ scheduled/standing variants)
entities:
  - name: AccountAccessConsent
    api: AIS
    key: ConsentId
    operations: [CreateAccountAccessConsents, GetAccountAccessConsentsConsentId, DeleteAccountAccessConsentsConsentId]
  - name: Account
    api: AIS
    key: AccountId
    operations: [GetAccounts, GetAccountsAccountId]
  - name: Balance
    api: AIS
    operations: [GetBalances, GetAccountsAccountIdBalances]
  - name: Transaction
    api: AIS
    operations: [GetTransactions, GetAccountsAccountIdTransactions]
  - name: Beneficiary
    api: AIS
    operations: [GetBeneficiaries, GetAccountsAccountIdBeneficiaries]
  - name: DirectDebit
    api: AIS
    operations: [GetDirectDebits, GetAccountsAccountIdDirectDebits]
  - name: StandingOrder
    api: AIS
    operations: [GetStandingOrders, GetAccountsAccountIdStandingOrders]
  - name: ScheduledPayment
    api: AIS
    operations: [GetScheduledPayments, GetAccountsAccountIdScheduledPayments]
  - name: Statement
    api: AIS
    operations: [GetStatements, GetAccountsAccountIdStatements, GetAccountsAccountIdStatementsStatementId]
  - name: Party
    api: AIS
    operations: [GetParty, GetAccountsAccountIdParty, GetAccountsAccountIdParties]
  - name: Product
    api: AIS
    operations: [GetProducts, GetAccountsAccountIdProduct]
  - name: Offer
    api: AIS
    operations: [GetOffers, GetAccountsAccountIdOffers]
  - name: DomesticPaymentConsent
    api: PIS
    key: ConsentId
    operations: [CreateDomesticPaymentConsents, GetDomesticPaymentConsentsConsentId, GetDomesticPaymentConsentsConsentIdFundsConfirmation]
  - name: DomesticPayment
    api: PIS
    key: DomesticPaymentId
    operations: [CreateDomesticPayments, GetDomesticPaymentsDomesticPaymentId, GetDomesticPaymentsDomesticPaymentIdPaymentDetails]
  - name: FundsConfirmationConsent
    api: CBPII
    key: ConsentId
    operations: [CreateFundsConfirmationConsents, GetFundsConfirmationConsentsConsentId, DeleteFundsConfirmationConsentsConsentId]
  - name: FundsConfirmation
    api: CBPII
    operations: [CreateFundsConfirmations]
relationships:
  - from: Account
    to: AccountAccessConsent
    type: belongs_to
    via: ConsentId
    note: Account data is only accessible under an authorised account-access-consent.
  - from: Balance
    to: Account
    type: belongs_to
    via: AccountId
  - from: Transaction
    to: Account
    type: belongs_to
    via: AccountId
  - from: Beneficiary
    to: Account
    type: belongs_to
    via: AccountId
  - from: DirectDebit
    to: Account
    type: belongs_to
    via: AccountId
  - from: StandingOrder
    to: Account
    type: belongs_to
    via: AccountId
  - from: Statement
    to: Account
    type: belongs_to
    via: AccountId
  - from: Party
    to: Account
    type: belongs_to
    via: AccountId
  - from: Product
    to: Account
    type: belongs_to
    via: AccountId
  - from: DomesticPayment
    to: DomesticPaymentConsent
    type: belongs_to
    via: ConsentId
    note: A payment can only be created once its consent is authorised by the PSU under SCA.
  - from: FundsConfirmation
    to: FundsConfirmationConsent
    type: belongs_to
    via: ConsentId