openapi: 3.1.0
info:
  title: Temenos Infinity Digital Banking API
  description: >-
    Digital banking platform API for Temenos Infinity, providing omnichannel
    customer experiences across retail and business banking channels. Enables
    integration with Temenos Fabric and Temenos Visualizer for building
    responsive digital banking applications. Supports Open Banking via
    PSD2-compliant APIs and connects to over 100 FinTech services through
    the Temenos MarketPlace. Uses JavaScript frameworks such as React for
    front-end experience creation and provides REST APIs for accessing
    banking data as resources in machine-readable JSON format.
  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 Infinity API Documentation
  url: https://developer.temenos.com/infinity/apis
servers:
  - url: https://api.temenos.com/infinity/v1
    description: Temenos Infinity API - Production
  - url: https://sandbox.temenos.com/infinity/v1
    description: Temenos Infinity API - Sandbox
security:
  - bearerAuth: []
tags:
  - name: Accounts
    description: >-
      Manage retail and business banking accounts including current accounts,
      savings accounts, and digital wallet accounts across all channels.
  - name: Cards
    description: >-
      Manage debit and credit cards including card controls, spending limits,
      activation, blocking, and PIN management through digital channels.
  - name: Consent
    description: >-
      Manage customer consent for Open Banking data sharing and third-party
      provider access under PSD2 regulations.
  - name: Customers
    description: >-
      Create and manage customer profiles, preferences, and digital identities
      across omnichannel touchpoints.
  - name: Notifications
    description: >-
      Configure and manage customer notification preferences and delivery
      across push notifications, SMS, and email channels.
  - name: Payments
    description: >-
      Initiate and manage payments including domestic transfers, international
      transfers, and bill payments across digital channels.
  - name: Transactions
    description: >-
      Access transaction history and details for customer accounts with
      support for filtering, pagination, and multi-channel views.
paths:
  /accounts:
    get:
      operationId: listAccounts
      summary: List Customer Accounts
      description: >-
        Retrieve a list of customer accounts across all account types visible
        through the digital banking channel. Returns account summary information
        including balances, status, and product details.
      tags:
        - Accounts
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: customerId
          in: query
          description: Filter accounts by customer identifier
          schema:
            type: string
        - name: accountType
          in: query
          description: Filter by account type (e.g., CURRENT, SAVINGS, DEPOSIT)
          schema:
            type: string
      responses:
        '200':
          description: Successfully retrieved list of accounts
          content:
            application/json:
              schema:
                type: object
                properties:
                  accounts:
                    type: array
                    items:
                      $ref: '#/components/schemas/Account'
                  pagination:
                    $ref: '#/components/schemas/Pagination'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /accounts/{accountId}:
    get:
      operationId: getAccount
      summary: Get Account Details
      description: >-
        Retrieve detailed information for a specific customer account including
        balances, product details, interest rates, and associated services.
      tags:
        - Accounts
      parameters:
        - $ref: '#/components/parameters/accountId'
      responses:
        '200':
          description: Successfully retrieved account details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Account'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /accounts/{accountId}/transactions:
    get:
      operationId: listAccountTransactions
      summary: List Account Transactions
      description: >-
        Retrieve transaction history for a specific account. Supports filtering
        by date range, amount, transaction type, and text search across
        narratives.
      tags:
        - Transactions
      parameters:
        - $ref: '#/components/parameters/accountId'
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: fromDate
          in: query
          description: Start date for transaction history (ISO 8601 format)
          schema:
            type: string
            format: date
        - name: toDate
          in: query
          description: End date for transaction history (ISO 8601 format)
          schema:
            type: string
            format: date
        - name: transactionType
          in: query
          description: Filter by transaction type
          schema:
            type: string
      responses:
        '200':
          description: Successfully retrieved transaction list
          content:
            application/json:
              schema:
                type: object
                properties:
                  transactions:
                    type: array
                    items:
                      $ref: '#/components/schemas/Transaction'
                  pagination:
                    $ref: '#/components/schemas/Pagination'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /customers/{customerId}:
    get:
      operationId: getCustomer
      summary: Get Customer Profile
      description: >-
        Retrieve customer profile information including personal details,
        contact information, preferences, and linked accounts across the
        digital banking platform.
      tags:
        - Customers
      parameters:
        - $ref: '#/components/parameters/customerId'
      responses:
        '200':
          description: Successfully retrieved customer profile
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Customer'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
    put:
      operationId: updateCustomer
      summary: Update Customer Profile
      description: >-
        Update customer profile information including contact details,
        communication preferences, and notification settings.
      tags:
        - Customers
      parameters:
        - $ref: '#/components/parameters/customerId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CustomerUpdate'
      responses:
        '200':
          description: Successfully updated customer profile
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Customer'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /payments:
    post:
      operationId: createPayment
      summary: Initiate A Payment
      description: >-
        Initiate a new payment from a customer account. Supports domestic
        transfers, international transfers, and bill payments. The payment
        is validated and submitted for processing.
      tags:
        - Payments
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentRequest'
      responses:
        '201':
          description: Payment successfully initiated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentResponse'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /payments/{paymentId}:
    get:
      operationId: getPayment
      summary: Get Payment Status
      description: >-
        Retrieve the current status and details of a previously initiated
        payment including processing status, timestamps, and confirmation
        details.
      tags:
        - Payments
      parameters:
        - name: paymentId
          in: path
          required: true
          description: Unique payment identifier
          schema:
            type: string
      responses:
        '200':
          description: Successfully retrieved payment details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /cards:
    get:
      operationId: listCards
      summary: List Customer Cards
      description: >-
        Retrieve a list of debit and credit cards associated with the customer
        across all linked accounts.
      tags:
        - Cards
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
      responses:
        '200':
          description: Successfully retrieved card list
          content:
            application/json:
              schema:
                type: object
                properties:
                  cards:
                    type: array
                    items:
                      $ref: '#/components/schemas/Card'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /cards/{cardId}:
    put:
      operationId: updateCardControls
      summary: Update Card Controls
      description: >-
        Update card settings including spending limits, transaction type
        controls, geographic restrictions, and contactless payment settings.
      tags:
        - Cards
      parameters:
        - name: cardId
          in: path
          required: true
          description: Unique card identifier
          schema:
            type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CardControls'
      responses:
        '200':
          description: Successfully updated card controls
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Card'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /notifications/preferences:
    get:
      operationId: getNotificationPreferences
      summary: Get Notification Preferences
      description: >-
        Retrieve the customer notification preferences including enabled
        channels, event subscriptions, and delivery settings.
      tags:
        - Notifications
      responses:
        '200':
          description: Successfully retrieved notification preferences
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/NotificationPreferences'
        '401':
          $ref: '#/components/responses/Unauthorized'
    put:
      operationId: updateNotificationPreferences
      summary: Update Notification Preferences
      description: >-
        Update the customer notification preferences for banking events
        such as transactions, balance thresholds, and security alerts.
      tags:
        - Notifications
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/NotificationPreferences'
      responses:
        '200':
          description: Successfully updated notification preferences
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/NotificationPreferences'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /consents:
    post:
      operationId: createConsent
      summary: Create Consent Record
      description: >-
        Create a new consent record for Open Banking data sharing, authorizing
        a third-party provider to access specified account information or
        initiate payments under PSD2 regulations.
      tags:
        - Consent
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ConsentRequest'
      responses:
        '201':
          description: Consent successfully created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ConsentResponse'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /consents/{consentId}:
    get:
      operationId: getConsent
      summary: Get Consent Details
      description: >-
        Retrieve the details and current status of a consent record including
        authorized scopes, expiration, and third-party provider information.
      tags:
        - Consent
      parameters:
        - name: consentId
          in: path
          required: true
          description: Unique consent identifier
          schema:
            type: string
      responses:
        '200':
          description: Successfully retrieved consent details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ConsentResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
    delete:
      operationId: revokeConsent
      summary: Revoke Consent
      description: >-
        Revoke an existing consent, immediately terminating the third-party
        provider access to the authorized account data or payment initiation
        capabilities.
      tags:
        - Consent
      parameters:
        - name: consentId
          in: path
          required: true
          description: Unique consent identifier
          schema:
            type: string
      responses:
        '204':
          description: Consent successfully revoked
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: >-
        JWT bearer token obtained through OAuth 2.0 authentication flow
        with the Temenos identity provider.
  parameters:
    pageSize:
      name: pageSize
      in: query
      description: Number of records to return per page
      schema:
        type: integer
        default: 25
        minimum: 1
        maximum: 100
    pageStart:
      name: pageStart
      in: query
      description: Pagination offset token or page number
      schema:
        type: string
    accountId:
      name: accountId
      in: path
      required: true
      description: Unique account identifier
      schema:
        type: string
    customerId:
      name: customerId
      in: path
      required: true
      description: Unique customer identifier
      schema:
        type: string
  responses:
    BadRequest:
      description: Invalid request parameters or payload
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Unauthorized:
      description: Authentication credentials missing or invalid
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Requested resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    Account:
      type: object
      description: Customer bank account visible through the digital channel
      properties:
        accountId:
          type: string
          description: Unique account identifier
        accountName:
          type: string
          description: Customer-defined name for the account
        accountType:
          type: string
          description: Type of account
          enum:
            - CURRENT
            - SAVINGS
            - DEPOSIT
            - LOAN
            - CREDIT_CARD
        currency:
          type: string
          description: ISO 4217 currency code
          pattern: '^[A-Z]{3}$'
        availableBalance:
          type: number
          description: Available balance for transactions
        currentBalance:
          type: number
          description: Current ledger balance
        status:
          type: string
          description: Account status
          enum:
            - ACTIVE
            - DORMANT
            - CLOSED
            - BLOCKED
        productName:
          type: string
          description: Name of the banking product
    Customer:
      type: object
      description: Customer profile in the digital banking platform
      properties:
        customerId:
          type: string
          description: Unique customer identifier
        firstName:
          type: string
          description: Customer first name
        lastName:
          type: string
          description: Customer last name
        email:
          type: string
          format: email
          description: Primary email address
        phone:
          type: string
          description: Primary phone number
        dateOfBirth:
          type: string
          format: date
          description: Date of birth
        address:
          $ref: '#/components/schemas/Address'
    CustomerUpdate:
      type: object
      description: Fields available for customer profile update
      properties:
        email:
          type: string
          format: email
          description: Updated email address
        phone:
          type: string
          description: Updated phone number
        address:
          $ref: '#/components/schemas/Address'
    Address:
      type: object
      description: Postal address
      properties:
        addressLine1:
          type: string
          description: First line of address
        addressLine2:
          type: string
          description: Second line of address
        city:
          type: string
          description: City name
        state:
          type: string
          description: State or province
        postalCode:
          type: string
          description: Postal or ZIP code
        country:
          type: string
          description: ISO 3166-1 alpha-2 country code
          pattern: '^[A-Z]{2}$'
    Transaction:
      type: object
      description: Account transaction record
      properties:
        transactionId:
          type: string
          description: Unique transaction identifier
        accountId:
          type: string
          description: Account identifier
        amount:
          type: number
          description: Transaction amount
        currency:
          type: string
          description: ISO 4217 currency code
        debitOrCredit:
          type: string
          enum:
            - DEBIT
            - CREDIT
          description: Direction of the transaction
        bookingDate:
          type: string
          format: date
          description: Date the transaction was booked
        valueDate:
          type: string
          format: date
          description: Value date of the transaction
        narrative:
          type: string
          description: Transaction description or narrative
        transactionType:
          type: string
          description: Type of transaction
    PaymentRequest:
      type: object
      description: Payment initiation request
      required:
        - debitAccountId
        - creditAccountId
        - amount
        - currency
      properties:
        debitAccountId:
          type: string
          description: Source account identifier
        creditAccountId:
          type: string
          description: Destination account or beneficiary identifier
        amount:
          type: number
          description: Payment amount
          minimum: 0
          exclusiveMinimum: true
        currency:
          type: string
          description: ISO 4217 currency code
          pattern: '^[A-Z]{3}$'
        paymentType:
          type: string
          description: Type of payment
          enum:
            - DOMESTIC_TRANSFER
            - INTERNATIONAL_TRANSFER
            - BILL_PAYMENT
        narrative:
          type: string
          description: Payment reference or description
          maxLength: 140
    PaymentResponse:
      type: object
      description: Payment status and details
      properties:
        paymentId:
          type: string
          description: Unique payment identifier
        status:
          type: string
          description: Current payment status
          enum:
            - PENDING
            - PROCESSING
            - COMPLETED
            - FAILED
            - CANCELLED
        debitAccountId:
          type: string
          description: Source account identifier
        creditAccountId:
          type: string
          description: Destination account identifier
        amount:
          type: number
          description: Payment amount
        currency:
          type: string
          description: ISO 4217 currency code
        createdDate:
          type: string
          format: date-time
          description: Timestamp when the payment was created
    Card:
      type: object
      description: Customer debit or credit card
      properties:
        cardId:
          type: string
          description: Unique card identifier
        cardNumber:
          type: string
          description: Masked card number
        cardType:
          type: string
          description: Type of card
          enum:
            - DEBIT
            - CREDIT
            - PREPAID
        status:
          type: string
          description: Current card status
          enum:
            - ACTIVE
            - BLOCKED
            - EXPIRED
            - PENDING_ACTIVATION
        expiryDate:
          type: string
          description: Card expiry date in MM/YY format
        accountId:
          type: string
          description: Linked account identifier
    CardControls:
      type: object
      description: Card control settings
      properties:
        contactlessEnabled:
          type: boolean
          description: Whether contactless payments are enabled
        onlineTransactionsEnabled:
          type: boolean
          description: Whether online transactions are enabled
        dailySpendingLimit:
          type: number
          description: Maximum daily spending limit
          minimum: 0
        atmWithdrawalLimit:
          type: number
          description: Maximum daily ATM withdrawal limit
          minimum: 0
    NotificationPreferences:
      type: object
      description: Customer notification preferences
      properties:
        pushEnabled:
          type: boolean
          description: Whether push notifications are enabled
        smsEnabled:
          type: boolean
          description: Whether SMS notifications are enabled
        emailEnabled:
          type: boolean
          description: Whether email notifications are enabled
        transactionAlerts:
          type: boolean
          description: Receive alerts for each transaction
        balanceThresholdAlert:
          type: boolean
          description: Receive alerts when balance drops below threshold
        balanceThreshold:
          type: number
          description: Balance threshold amount for alerts
    ConsentRequest:
      type: object
      description: Open Banking consent creation request
      required:
        - tppId
        - permissions
        - expirationDate
      properties:
        tppId:
          type: string
          description: Third-party provider identifier
        permissions:
          type: array
          items:
            type: string
            enum:
              - READ_ACCOUNTS
              - READ_BALANCES
              - READ_TRANSACTIONS
              - INITIATE_PAYMENTS
          description: Requested access permissions
        expirationDate:
          type: string
          format: date-time
          description: Consent expiration date and time
        accountIds:
          type: array
          items:
            type: string
          description: Specific account identifiers to authorize
    ConsentResponse:
      type: object
      description: Open Banking consent record
      properties:
        consentId:
          type: string
          description: Unique consent identifier
        status:
          type: string
          description: Current consent status
          enum:
            - AWAITING_AUTHORIZATION
            - AUTHORIZED
            - REJECTED
            - REVOKED
            - EXPIRED
        tppId:
          type: string
          description: Third-party provider identifier
        permissions:
          type: array
          items:
            type: string
          description: Authorized permissions
        createdDate:
          type: string
          format: date-time
          description: Consent creation timestamp
        expirationDate:
          type: string
          format: date-time
          description: Consent expiration timestamp
    Pagination:
      type: object
      description: Pagination metadata
      properties:
        pageSize:
          type: integer
          description: Number of records per page
        pageStart:
          type: string
          description: Current page token
        totalRecords:
          type: integer
          description: Total number of records
        hasMore:
          type: boolean
          description: Whether more pages are available
    Error:
      type: object
      description: Error response
      properties:
        code:
          type: string
          description: Error code
        message:
          type: string
          description: Human-readable error message
        details:
          type: array
          items:
            type: object
            properties:
              field:
                type: string
                description: Field that caused the error
              message:
                type: string
                description: Detail of the error
          description: Additional error details