openapi: 3.1.0
info:
  title: Temenos Buy Now Pay Later Accounts Product API
  description: APIs for buy now pay later services with embedded Explainable AI for automated decisioning and credit offer matching. Supports interest-free and interest-bearing BNPL products with point-of-sale integration and full loan lifecycle management. Core banking agnostic and deployable on Temenos Banking Cloud.
  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/
servers:
- url: https://api.temenos.com/bnpl/v1
  description: Temenos BNPL API - Production
security:
- bearerAuth: []
tags:
- name: Product
  description: Configure fund and share class settings including anti-dilution levies, commission groups, fund manager data, share class information, calendars, and performance fee structures with 38 endpoints.
paths:
  /product/funds:
    get:
      operationId: listFunds
      summary: List Funds
      description: Retrieve the list of funds with their master data including fund type, domicile, base currency, manager information, and promoter details.
      tags:
      - Product
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      responses:
        '200':
          description: Successful retrieval of funds
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Fund'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createFund
      summary: Create Fund
      description: Create a new fund master record with fund type, domicile, base currency, manager assignment, and regulatory configuration.
      tags:
      - Product
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/FundCreate'
      responses:
        '201':
          description: Fund created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Fund'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /product/shareClasses:
    get:
      operationId: listShareClasses
      summary: List Share Classes
      description: Retrieve share class configurations for funds including pricing details, fee structures, distribution policies, and investor eligibility criteria.
      tags:
      - Product
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - name: fundId
        in: query
        description: Filter by fund identifier
        schema:
          type: string
      responses:
        '200':
          description: Successful retrieval of share classes
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/ShareClass'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /product/products:
    get:
      operationId: listProducts
      summary: List Banking Products
      description: Retrieve the product catalogue including current account products, savings products, deposit products, loan products, and Islamic finance products with their terms and conditions.
      tags:
      - Product
      parameters:
      - $ref: '#/components/parameters/pageSize'
      - $ref: '#/components/parameters/pageStart'
      - name: productGroup
        in: query
        description: Filter by product group
        schema:
          type: string
      responses:
        '200':
          description: Successful retrieval of products
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader_2'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Product'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  schemas:
    FundCreate:
      type: object
      description: Request body for creating a fund
      required:
      - fundName
      - fundType
      - domicile
      - baseCurrency
      properties:
        fundName:
          type: string
          description: Fund name
        fundType:
          type: string
          description: Fund type
        domicile:
          type: string
          description: Domicile country code
        baseCurrency:
          type: string
          description: Base currency in ISO 4217 format
          pattern: ^[A-Z]{3}$
        managerId:
          type: string
          description: Fund manager identifier
    PaginationHeader:
      type: object
      description: Pagination metadata
      properties:
        page_size:
          type: integer
          description: Records per page
        page_start:
          type: integer
          description: Starting record number
        total_size:
          type: integer
          description: Total records available
    PaginationHeader_2:
      type: object
      description: Pagination metadata for list responses
      properties:
        page_size:
          type: integer
          description: Number of records per page
        page_start:
          type: integer
          description: Starting record number
        total_size:
          type: integer
          description: Total number of records available
    Fund:
      type: object
      description: Fund master record
      properties:
        fundId:
          type: string
          description: Unique fund identifier
        fundName:
          type: string
          description: Fund name
        fundType:
          type: string
          description: Fund classification type
        domicile:
          type: string
          description: Fund domicile country
        baseCurrency:
          type: string
          description: Fund base currency
        managerId:
          type: string
          description: Fund manager identifier
        promoterId:
          type: string
          description: Fund promoter identifier
        inceptionDate:
          type: string
          format: date
          description: Fund inception date
        status:
          type: string
          description: Fund status
    Error:
      type: object
      description: Error response
      properties:
        errorCode:
          type: string
          description: Machine-readable error code
        errorMessage:
          type: string
          description: Human-readable error description
    ShareClass:
      type: object
      description: Fund share class configuration
      properties:
        shareClassId:
          type: string
          description: Share class identifier
        fundId:
          type: string
          description: Parent fund identifier
        shareClassName:
          type: string
          description: Share class name
        currency:
          type: string
          description: Share class currency
        distributionPolicy:
          type: string
          description: Distribution policy
          enum:
          - ACCUMULATION
          - DISTRIBUTION
        managementFee:
          type: number
          format: double
          description: Annual management fee percentage
        performanceFee:
          type: number
          format: double
          description: Performance fee percentage
        minimumInvestment:
          type: number
          format: double
          description: Minimum initial investment amount
        status:
          type: string
          description: Share class status
    Product:
      type: object
      description: Banking product definition
      properties:
        productId:
          type: string
          description: Unique product identifier
        productName:
          type: string
          description: Product display name
        productGroup:
          type: string
          description: Product category group
        currency:
          type: string
          description: Default product currency
        description:
          type: string
          description: Product description
        status:
          type: string
          description: Product availability status
  responses:
    Unauthorized:
      description: Authentication required or invalid credentials
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    BadRequest:
      description: Invalid request parameters
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  parameters:
    pageStart:
      name: page_start
      in: query
      description: Starting record number for pagination
      schema:
        type: integer
        minimum: 0
        default: 0
    pageSize:
      name: page_size
      in: query
      description: Number of records to return per page
      schema:
        type: integer
        minimum: 1
        maximum: 100
        default: 25
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
externalDocs:
  description: Temenos BNPL API Documentation
  url: https://developer.temenos.com/service/buy-now-pay-later