specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: TD Bank
providerId: td-bank
created: '2026-05-23'
modified: '2026-05-23'
reconciled: false
tags:
  - FinOps
  - FOCUS
  - Banking
  - Open Banking
  - FDX
description: 'FOCUS-aligned FinOps framing for TD Bank developer APIs. The Open Banking API surface
  is partner-contracted via the Akoya Data Access Network — revenue and cost recovery flow through Akoya
  partner agreements and FDX consent economics rather than a per-API price list. TD Merchant Solutions
  (TD Online Mart) revenue flows through interchange and acquirer fees. The single largest non-recurring
  cost on TD''s books in this period is the October 2024 $3B+ Bank Secrecy Act / AML settlement, captured
  in review.yml.'
notes: APIs are not separately priced; meters reflect partner integration billing surface.
sources:
  - https://developer.td.com
  - https://docs.pat.openbanking.amcb.developer.td.com/guides/about-our-apis-hdi
  - https://akoya.com/
  - https://www.td.com/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: TD Bank, N.A. (Toronto-Dominion Bank)
serviceCategory: Financial Services / Banking / Open Banking
billingModel:
  pricingCategory: Partner Contract + Interchange
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
    - Usage
    - Purchase
    - Tax
    - Adjustment
    - Refund
focusColumns:
  ServiceName: TD Bank Open Banking APIs
  ServiceCategory: Financial Services
  ProviderName: TD Bank
  PublisherName: TD Bank, N.A.
  InvoiceIssuerName: TD Bank, N.A.
  BillingCurrency: USD
meters:
  - name: fdx_consents
    unit: consent
    aggregation: sum
  - name: aggregation_requests
    unit: request
    aggregation: sum
  - name: data_clusters_purchased
    unit: cluster
    aggregation: sum
  - name: recurring_payments_processed
    unit: payment
    aggregation: sum
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com