openapi: 3.1.0
info:
  title: Temenos Cloud Banking (CMB) API
  description: >-
    Country-specific commercial and cloud banking APIs delivering front-to-back
    services for accounts, deposits, lending, trade finance, and payments with
    pre-wired APIs and regional regulatory compliance for markets including
    Australia, Canada, Mexico, UK, US, and more. Provides pre-configured
    banking products and workflows adapted for local regulations.
  version: '1.0.0'
  contact:
    name: Temenos Developer Support
    url: https://developer.temenos.com/
    email: api.support@temenos.com
  license:
    name: Temenos Terms of Service
    url: https://www.temenos.com/legal-information/website-terms-and-conditions/
  termsOfService: https://www.temenos.com/legal-information/website-terms-and-conditions/
externalDocs:
  description: Temenos CMB API Documentation
  url: https://developer.temenos.com/cmb
servers:
  - url: https://api.temenos.com/cmb/v1
    description: Temenos Cloud Banking API - Production
security:
  - bearerAuth: []
tags:
  - name: Accounts
    description: >-
      Manage commercial banking accounts including current accounts,
      savings accounts, and operational accounts with regional compliance.
  - name: Deposits
    description: >-
      Manage deposit products including term deposits, demand deposits,
      and certificates of deposit with country-specific terms.
  - name: Lending
    description: >-
      Commercial lending operations including loan origination, facility
      management, and repayment processing.
  - name: Payments
    description: >-
      Country-specific payment processing including domestic and
      international transfers with local clearing integration.
  - name: Trade Finance
    description: >-
      Trade finance operations including letters of credit, guarantees,
      documentary collections, and trade document management.
paths:
  /accounts:
    get:
      operationId: listCmbAccounts
      summary: List Commercial Banking Accounts
      description: >-
        Retrieve commercial banking accounts with country-specific product
        details and regulatory compliance status.
      tags:
        - Accounts
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: customerId
          in: query
          description: Filter by customer
          schema:
            type: string
        - name: region
          in: query
          description: Filter by regional market
          schema:
            type: string
      responses:
        '200':
          description: Successful retrieval
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/CmbAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createCmbAccount
      summary: Create Commercial Banking Account
      description: >-
        Create a new commercial banking account using pre-configured
        regional product templates with local regulatory compliance.
      tags:
        - Accounts
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CmbAccountCreate'
      responses:
        '201':
          description: Account created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CmbAccount'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /deposits:
    get:
      operationId: listCmbDeposits
      summary: List Deposits
      description: >-
        Retrieve deposit products with country-specific terms, rates,
        and regulatory classification.
      tags:
        - Deposits
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
      responses:
        '200':
          description: Successful retrieval
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/CmbDeposit'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /lending/facilities:
    get:
      operationId: listLendingFacilities
      summary: List Lending Facilities
      description: >-
        Retrieve commercial lending facilities including credit lines,
        term loans, and revolving facilities with utilization details.
      tags:
        - Lending
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: customerId
          in: query
          description: Filter by customer
          schema:
            type: string
      responses:
        '200':
          description: Successful retrieval
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/LendingFacility'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createLendingFacility
      summary: Create Lending Facility
      description: >-
        Originate a new lending facility with specified terms, collateral,
        and repayment conditions.
      tags:
        - Lending
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/LendingFacilityCreate'
      responses:
        '201':
          description: Facility created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/LendingFacility'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /tradeFinance/lettersOfCredit:
    get:
      operationId: listLettersOfCredit
      summary: List Letters Of Credit
      description: >-
        Retrieve letters of credit including import and export LCs
        with their document status and amendment history.
      tags:
        - Trade Finance
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
      responses:
        '200':
          description: Successful retrieval
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/LetterOfCredit'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /tradeFinance/guarantees:
    get:
      operationId: listGuarantees
      summary: List Guarantees
      description: >-
        Retrieve bank guarantees and standby letters of credit with
        their terms, beneficiaries, and expiry dates.
      tags:
        - Trade Finance
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
      responses:
        '200':
          description: Successful retrieval
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Guarantee'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /payments:
    post:
      operationId: createCmbPayment
      summary: Create Payment
      description: >-
        Initiate a payment through country-specific clearing channels
        with local regulatory validation and compliance checks.
      tags:
        - Payments
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CmbPaymentCreate'
      responses:
        '201':
          description: Payment initiated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CmbPayment'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
  parameters:
    pageSize:
      name: page_size
      in: query
      schema:
        type: integer
        minimum: 1
        maximum: 100
        default: 25
    pageStart:
      name: page_start
      in: query
      schema:
        type: integer
        minimum: 0
        default: 0
  responses:
    BadRequest:
      description: Invalid request
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Unauthorized:
      description: Authentication required
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    PaginationHeader:
      type: object
      properties:
        page_size:
          type: integer
        page_start:
          type: integer
        total_size:
          type: integer
    CmbAccount:
      type: object
      description: Commercial banking account
      properties:
        accountId:
          type: string
          description: Account identifier
        customerId:
          type: string
          description: Customer identifier
        productId:
          type: string
          description: Product identifier
        accountType:
          type: string
          description: Account type
        currency:
          type: string
          description: Account currency
        balance:
          type: number
          format: double
          description: Current balance
        region:
          type: string
          description: Regional market
        status:
          type: string
          description: Account status
    CmbAccountCreate:
      type: object
      required:
        - customerId
        - productId
        - currency
      properties:
        customerId:
          type: string
          description: Customer identifier
        productId:
          type: string
          description: Regional product template
        currency:
          type: string
          description: Account currency
          pattern: '^[A-Z]{3}$'
    CmbDeposit:
      type: object
      description: Deposit product
      properties:
        depositId:
          type: string
          description: Deposit identifier
        customerId:
          type: string
          description: Customer identifier
        amount:
          type: number
          format: double
          description: Deposit amount
        currency:
          type: string
          description: Currency
        interestRate:
          type: number
          format: double
          description: Interest rate
        maturityDate:
          type: string
          format: date
          description: Maturity date
        status:
          type: string
          description: Deposit status
    LendingFacility:
      type: object
      description: Commercial lending facility
      properties:
        facilityId:
          type: string
          description: Facility identifier
        customerId:
          type: string
          description: Customer identifier
        facilityType:
          type: string
          description: Facility type
          enum:
            - TERM_LOAN
            - REVOLVING_CREDIT
            - OVERDRAFT
            - TRADE_FINANCE
        currency:
          type: string
          description: Facility currency
        approvedAmount:
          type: number
          format: double
          description: Approved facility amount
        utilizedAmount:
          type: number
          format: double
          description: Current utilization
        interestRate:
          type: number
          format: double
          description: Interest rate
        maturityDate:
          type: string
          format: date
          description: Maturity date
        status:
          type: string
          description: Facility status
    LendingFacilityCreate:
      type: object
      required:
        - customerId
        - facilityType
        - currency
        - amount
      properties:
        customerId:
          type: string
          description: Customer identifier
        facilityType:
          type: string
          description: Facility type
          enum:
            - TERM_LOAN
            - REVOLVING_CREDIT
            - OVERDRAFT
        currency:
          type: string
          description: Currency
          pattern: '^[A-Z]{3}$'
        amount:
          type: number
          format: double
          description: Requested amount
        term:
          type: integer
          description: Term in months
    LetterOfCredit:
      type: object
      description: Letter of credit
      properties:
        lcId:
          type: string
          description: LC identifier
        lcType:
          type: string
          description: LC type
          enum:
            - IMPORT
            - EXPORT
            - STANDBY
        applicant:
          type: string
          description: Applicant name
        beneficiary:
          type: string
          description: Beneficiary name
        amount:
          type: number
          format: double
          description: LC amount
        currency:
          type: string
          description: Currency
        expiryDate:
          type: string
          format: date
          description: Expiry date
        status:
          type: string
          description: LC status
    Guarantee:
      type: object
      description: Bank guarantee
      properties:
        guaranteeId:
          type: string
          description: Guarantee identifier
        guaranteeType:
          type: string
          description: Guarantee type
        applicant:
          type: string
          description: Applicant
        beneficiary:
          type: string
          description: Beneficiary
        amount:
          type: number
          format: double
          description: Guarantee amount
        currency:
          type: string
          description: Currency
        expiryDate:
          type: string
          format: date
          description: Expiry date
        status:
          type: string
          description: Guarantee status
    CmbPaymentCreate:
      type: object
      required:
        - debitAccountId
        - amount
        - currency
      properties:
        debitAccountId:
          type: string
          description: Debit account
        beneficiaryName:
          type: string
          description: Beneficiary name
        beneficiaryAccountId:
          type: string
          description: Beneficiary account
        amount:
          type: number
          format: double
          description: Payment amount
        currency:
          type: string
          description: Currency
          pattern: '^[A-Z]{3}$'
        reference:
          type: string
          description: Payment reference
    CmbPayment:
      type: object
      description: Payment record
      properties:
        paymentId:
          type: string
          description: Payment identifier
        debitAccountId:
          type: string
          description: Debit account
        amount:
          type: number
          format: double
          description: Amount
        currency:
          type: string
          description: Currency
        status:
          type: string
          description: Payment status
    Error:
      type: object
      properties:
        errorCode:
          type: string
        errorMessage:
          type: string