openapi: 3.1.0
info:
  title: Temenos Transact API
  description: >-
    Core banking system API for Temenos Transact (formerly T24), providing
    comprehensive banking functionality across enterprise, holdings, order,
    party, product, reference, meta, settings, and system API categories.
    Covers over 290 endpoints spanning retail, corporate, wealth, treasury,
    and Islamic banking operations. All APIs follow REST architecture and
    represent 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 Transact API Documentation
  url: https://developer.temenos.com/transact-apis
servers:
  - url: https://api.temenos.com/transact/v1
    description: Temenos Transact API - Production
  - url: https://sandbox.temenos.com/transact/v1
    description: Temenos Transact API - Sandbox
security:
  - bearerAuth: []
tags:
  - name: Enterprise
    description: >-
      Enterprise-level APIs for bundle arrangements, enterprise product and
      pricing services, identity comparison, payoff calculations, and
      promotion arrangements.
  - name: Holdings
    description: >-
      Manage customer and institution holdings including accounts, deposits,
      loans, treasury positions, and Islamic finance arrangements with over
      107 endpoints.
  - name: Meta
    description: >-
      API ecosystem management and metadata retrieval for discovering
      available API resources and capabilities with 6 endpoints.
  - name: Order
    description: >-
      Handle payment instructions and transaction orders including ACH, wire
      transfers, standing orders, security orders, fund transfers, and direct
      debit management with 43 endpoints.
  - name: Party
    description: >-
      Customer and financial institution data management including customer
      onboarding, beneficiary management, KYC details, and contact
      information with 29 endpoints.
  - name: Product
    description: >-
      Product-related configurations including product builder, Islamic
      finance products, product marketing catalogue, and limit products
      with 10 endpoints.
  - name: Reference
    description: >-
      General reference data management including currencies, countries,
      IBAN structures, bank codes, and other lookup data with 64 endpoints.
  - name: Settings
    description: >-
      Configuration management for system-wide and user-specific settings
      with 6 endpoints.
  - name: System
    description: >-
      Core system functionality and administration including system
      configuration, audit, and operational management with 25 endpoints.
paths:
  /holdings/accounts:
    get:
      operationId: listAccounts
      summary: List Accounts
      description: >-
        Retrieve a list of customer accounts across all account types
        including current accounts, savings accounts, deposit accounts,
        and loan accounts. Supports filtering by customer, account type,
        and status.
      tags:
        - Holdings
      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
          schema:
            type: string
      responses:
        '200':
          description: Successful retrieval of accounts
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Account'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
    post:
      operationId: createAccount
      summary: Create Account Arrangement
      description: >-
        Create a new account arrangement for a customer. The arrangement
        architecture supports creating various account types including
        current accounts, savings accounts, and deposit accounts with
        modular business component configuration.
      tags:
        - Holdings
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AccountCreate'
      responses:
        '201':
          description: Account created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Account'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /holdings/accounts/{accountId}:
    get:
      operationId: getAccount
      summary: Get Account Details
      description: >-
        Retrieve detailed information for a specific account including
        balances, status, product details, and arrangement properties.
      tags:
        - Holdings
      parameters:
        - $ref: '#/components/parameters/accountId'
      responses:
        '200':
          description: Successful retrieval of account details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Account'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
    put:
      operationId: updateAccount
      summary: Update Account Arrangement
      description: >-
        Update an existing account arrangement including modifying
        account properties, status, and configuration settings.
      tags:
        - Holdings
      parameters:
        - $ref: '#/components/parameters/accountId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AccountUpdate'
      responses:
        '200':
          description: Account updated successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Account'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /holdings/accounts/{accountId}/balances:
    get:
      operationId: getAccountBalances
      summary: Get Account Balances
      description: >-
        Retrieve balance information for a specific account including
        working balance, available balance, locked amount, and cleared
        balance across different balance types.
      tags:
        - Holdings
      parameters:
        - $ref: '#/components/parameters/accountId'
      responses:
        '200':
          description: Successful retrieval of account balances
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountBalance'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /holdings/accounts/{accountId}/transactions:
    get:
      operationId: listAccountTransactions
      summary: List Account Transactions
      description: >-
        Retrieve transaction history for a specific account with support
        for date range filtering, transaction type filtering, and
        pagination.
      tags:
        - Holdings
      parameters:
        - $ref: '#/components/parameters/accountId'
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: dateFrom
          in: query
          description: Start date for transaction filter in ISO 8601 format
          schema:
            type: string
            format: date
        - name: dateTo
          in: query
          description: End date for transaction filter in ISO 8601 format
          schema:
            type: string
            format: date
        - name: transactionType
          in: query
          description: Filter by transaction type
          schema:
            type: string
      responses:
        '200':
          description: Successful retrieval of transactions
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Transaction'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /holdings/deposits:
    get:
      operationId: listDeposits
      summary: List Deposit Arrangements
      description: >-
        Retrieve a list of deposit arrangements including term deposits,
        call deposits, and savings deposits with their maturity dates,
        interest rates, and current balances.
      tags:
        - Holdings
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: customerId
          in: query
          description: Filter deposits by customer identifier
          schema:
            type: string
      responses:
        '200':
          description: Successful retrieval of deposits
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Deposit'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /holdings/loans:
    get:
      operationId: listLoans
      summary: List Loan Arrangements
      description: >-
        Retrieve a list of loan arrangements including personal loans,
        mortgage loans, and corporate lending with their outstanding
        balances, repayment schedules, and interest details.
      tags:
        - Holdings
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: customerId
          in: query
          description: Filter loans by customer identifier
          schema:
            type: string
      responses:
        '200':
          description: Successful retrieval of loans
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Loan'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createLoan
      summary: Create Loan Arrangement
      description: >-
        Create a new loan arrangement for a customer specifying loan
        amount, term, interest rate, and repayment schedule details.
      tags:
        - Holdings
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/LoanCreate'
      responses:
        '201':
          description: Loan created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Loan'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /order/paymentOrders:
    get:
      operationId: listPaymentOrders
      summary: List Payment Orders
      description: >-
        Retrieve a list of payment orders including domestic transfers,
        international transfers, SEPA payments, and standing orders.
      tags:
        - Order
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: accountId
          in: query
          description: Filter payment orders by originating account
          schema:
            type: string
        - name: status
          in: query
          description: Filter by payment order status
          schema:
            type: string
            enum:
              - pending
              - processing
              - completed
              - failed
              - cancelled
      responses:
        '200':
          description: Successful retrieval of payment orders
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/PaymentOrder'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createPaymentOrder
      summary: Create Payment Order
      description: >-
        Initiate a new payment order for domestic or international fund
        transfers. Supports SEPA credit transfers, SWIFT payments, ACH
        transfers, and internal account transfers.
      tags:
        - Order
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentOrderCreate'
      responses:
        '201':
          description: Payment order created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentOrder'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /order/standingOrders:
    get:
      operationId: listStandingOrders
      summary: List Standing Orders
      description: >-
        Retrieve a list of standing order instructions for recurring
        payment processing including frequency, amount, and beneficiary
        details.
      tags:
        - Order
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: accountId
          in: query
          description: Filter standing orders by account
          schema:
            type: string
      responses:
        '200':
          description: Successful retrieval of standing orders
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/StandingOrder'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /order/directDebits:
    get:
      operationId: listDirectDebits
      summary: List Direct Debit Mandates
      description: >-
        Retrieve direct debit instructions and mandate collections for
        recurring payment scenarios including SEPA direct debits.
      tags:
        - Order
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: accountId
          in: query
          description: Filter direct debits by account
          schema:
            type: string
      responses:
        '200':
          description: Successful retrieval of direct debits
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/DirectDebit'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /party/customers:
    get:
      operationId: listCustomers
      summary: List Customers
      description: >-
        Retrieve a list of customers including individual and corporate
        customers with their basic profile information, KYC status,
        and relationship details.
      tags:
        - Party
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: customerType
          in: query
          description: Filter by customer type
          schema:
            type: string
            enum:
              - individual
              - corporate
      responses:
        '200':
          description: Successful retrieval of customers
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Customer'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createCustomer
      summary: Create Customer
      description: >-
        Create a new customer record for onboarding including personal
        details, address information, identification documents, and
        KYC data collection.
      tags:
        - Party
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CustomerCreate'
      responses:
        '201':
          description: Customer created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Customer'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /party/customers/{customerId}:
    get:
      operationId: getCustomer
      summary: Get Customer Details
      description: >-
        Retrieve detailed customer information including personal data,
        addresses, contact details, identification documents, KYC status,
        and delivery preferences.
      tags:
        - Party
      parameters:
        - $ref: '#/components/parameters/customerId'
      responses:
        '200':
          description: Successful retrieval of customer details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Customer'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
    put:
      operationId: updateCustomer
      summary: Update Customer Details
      description: >-
        Update existing customer information including personal data,
        address changes, contact preferences, and KYC documentation.
      tags:
        - Party
      parameters:
        - $ref: '#/components/parameters/customerId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CustomerUpdate'
      responses:
        '200':
          description: Customer updated successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Customer'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /party/beneficiaries:
    get:
      operationId: listBeneficiaries
      summary: List Beneficiaries
      description: >-
        Retrieve a list of registered beneficiaries for payment
        processing including their account details and bank information.
      tags:
        - Party
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: customerId
          in: query
          description: Filter beneficiaries by customer
          schema:
            type: string
      responses:
        '200':
          description: Successful retrieval of beneficiaries
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Beneficiary'
        '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'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Product'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /reference/currencies:
    get:
      operationId: listCurrencies
      summary: List Currencies
      description: >-
        Retrieve the list of supported currencies with their ISO codes,
        names, decimal places, and exchange rate information.
      tags:
        - Reference
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
      responses:
        '200':
          description: Successful retrieval of currencies
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Currency'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /reference/countries:
    get:
      operationId: listCountries
      summary: List Countries
      description: >-
        Retrieve the list of supported countries with their ISO codes,
        names, and associated regulatory information.
      tags:
        - Reference
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
      responses:
        '200':
          description: Successful retrieval of countries
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Country'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /reference/ibanStructures:
    get:
      operationId: listIbanStructures
      summary: List IBAN Structures
      description: >-
        Retrieve IBAN validation structures by country including the
        expected format, length, and check digit calculation rules.
      tags:
        - Reference
      parameters:
        - name: countryCode
          in: query
          description: Filter by ISO 3166-1 alpha-2 country code
          schema:
            type: string
            pattern: '^[A-Z]{2}$'
      responses:
        '200':
          description: Successful retrieval of IBAN structures
          content:
            application/json:
              schema:
                type: object
                properties:
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/IbanStructure'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /meta/apis:
    get:
      operationId: listApis
      summary: List Available APIs
      description: >-
        Retrieve metadata about available API resources and capabilities
        in the Temenos Transact platform for API discovery and navigation.
      tags:
        - Meta
      responses:
        '200':
          description: Successful retrieval of API metadata
          content:
            application/json:
              schema:
                type: object
                properties:
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/ApiMetadata'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /system/status:
    get:
      operationId: getSystemStatus
      summary: Get System Status
      description: >-
        Retrieve the current system status including operational state,
        version information, and system health indicators.
      tags:
        - System
      responses:
        '200':
          description: Successful retrieval of system status
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/SystemStatus'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /enterprise/bundleArrangements:
    get:
      operationId: listBundleArrangements
      summary: List Bundle Arrangements
      description: >-
        Retrieve bundle arrangements that group multiple customer accounts
        and products together for combined pricing benefits and package
        management.
      tags:
        - Enterprise
      parameters:
        - $ref: '#/components/parameters/pageSize'
        - $ref: '#/components/parameters/pageStart'
        - name: customerId
          in: query
          description: Filter by customer identifier
          schema:
            type: string
      responses:
        '200':
          description: Successful retrieval of bundle arrangements
          content:
            application/json:
              schema:
                type: object
                properties:
                  header:
                    $ref: '#/components/schemas/PaginationHeader'
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/BundleArrangement'
        '401':
          $ref: '#/components/responses/Unauthorized'
    post:
      operationId: createBundleArrangement
      summary: Create Bundle Arrangement
      description: >-
        Create a new bundle arrangement to group customer accounts and
        products for combined benefits and package pricing.
      tags:
        - Enterprise
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BundleArrangementCreate'
      responses:
        '201':
          description: Bundle arrangement created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BundleArrangement'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /settings/configurations:
    get:
      operationId: listConfigurations
      summary: List System Configurations
      description: >-
        Retrieve system-wide and user-specific configuration settings
        for the Temenos Transact platform.
      tags:
        - Settings
      responses:
        '200':
          description: Successful retrieval of configurations
          content:
            application/json:
              schema:
                type: object
                properties:
                  body:
                    type: array
                    items:
                      $ref: '#/components/schemas/Configuration'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: >-
        JWT-based authentication token obtained through the Temenos
        authentication endpoint.
    oauth2:
      type: oauth2
      description: OAuth 2.0 authentication for API access
      flows:
        authorizationCode:
          authorizationUrl: https://auth.temenos.com/oauth2/authorize
          tokenUrl: https://auth.temenos.com/oauth2/token
          scopes:
            read: Read access to banking data
            write: Write access to banking data
            admin: Administrative access
  parameters:
    pageSize:
      name: page_size
      in: query
      description: Number of records to return per page
      schema:
        type: integer
        minimum: 1
        maximum: 100
        default: 25
    pageStart:
      name: page_start
      in: query
      description: Starting record number for pagination
      schema:
        type: integer
        minimum: 0
        default: 0
    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
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Unauthorized:
      description: Authentication required or invalid credentials
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Requested resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    PaginationHeader:
      type: object
      description: Pagination metadata for list responses
      properties:
        page_size:
          type: integer
          description: Number of records per page
        page_start:
          type: integer
          description: Starting record number
        total_size:
          type: integer
          description: Total number of records available
    Account:
      type: object
      description: Banking account arrangement
      properties:
        accountId:
          type: string
          description: Unique account identifier
        customerId:
          type: string
          description: Associated customer identifier
        accountName:
          type: string
          description: Account display name
        accountType:
          type: string
          description: Type of account
          enum:
            - CURRENT
            - SAVINGS
            - DEPOSIT
            - LOAN
        productId:
          type: string
          description: Associated product identifier
        currency:
          type: string
          description: Account currency in ISO 4217 format
          pattern: '^[A-Z]{3}$'
        status:
          type: string
          description: Current account status
          enum:
            - ACTIVE
            - INACTIVE
            - CLOSED
            - DORMANT
        openingDate:
          type: string
          format: date
          description: Date the account was opened
        workingBalance:
          type: number
          format: double
          description: Current working balance
        availableBalance:
          type: number
          format: double
          description: Available balance for transactions
    AccountCreate:
      type: object
      description: Request body for creating a new account
      required:
        - customerId
        - productId
        - currency
      properties:
        customerId:
          type: string
          description: Customer identifier for the account holder
        productId:
          type: string
          description: Product identifier defining account type and terms
        currency:
          type: string
          description: Account currency in ISO 4217 format
          pattern: '^[A-Z]{3}$'
        accountName:
          type: string
          description: Optional display name for the account
    AccountUpdate:
      type: object
      description: Request body for updating an account
      properties:
        accountName:
          type: string
          description: Updated display name
        status:
          type: string
          description: Updated account status
          enum:
            - ACTIVE
            - INACTIVE
    AccountBalance:
      type: object
      description: Account balance details
      properties:
        accountId:
          type: string
          description: Account identifier
        currency:
          type: string
          description: Balance currency in ISO 4217 format
        workingBalance:
          type: number
          format: double
          description: Current working balance
        availableBalance:
          type: number
          format: double
          description: Balance available for transactions
        lockedAmount:
          type: number
          format: double
          description: Amount held or locked
        clearedBalance:
          type: number
          format: double
          description: Cleared funds balance
    Transaction:
      type: object
      description: Account transaction record
      properties:
        transactionId:
          type: string
          description: Unique transaction identifier
        accountId:
          type: string
          description: Associated account identifier
        transactionType:
          type: string
          description: Type of transaction
        amount:
          type: number
          format: double
          description: Transaction amount
        currency:
          type: string
          description: Transaction currency in ISO 4217 format
        debitOrCredit:
          type: string
          description: Whether the transaction is a debit or credit
          enum:
            - DEBIT
            - CREDIT
        bookingDate:
          type: string
          format: date
          description: Date the transaction was booked
        valueDate:
          type: string
          format: date
          description: Value date of the transaction
        description:
          type: string
          description: Transaction narrative description
        reference:
          type: string
          description: Transaction reference number
    Deposit:
      type: object
      description: Deposit arrangement
      properties:
        depositId:
          type: string
          description: Unique deposit identifier
        customerId:
          type: string
          description: Associated customer identifier
        depositType:
          type: string
          description: Type of deposit
          enum:
            - TERM
            - CALL
            - SAVINGS
        currency:
          type: string
          description: Deposit currency in ISO 4217 format
        principalAmount:
          type: number
          format: double
          description: Original deposit principal amount
        interestRate:
          type: number
          format: double
          description: Applied interest rate
        maturityDate:
          type: string
          format: date
          description: Maturity date for term deposits
        status:
          type: string
          description: Current deposit status
    Loan:
      type: object
      description: Loan arrangement
      properties:
        loanId:
          type: string
          description: Unique loan identifier
        customerId:
          type: string
          description: Associated customer identifier
        loanType:
          type: string
          description: Type of loan
        currency:
          type: string
          description: Loan currency in ISO 4217 format
        principalAmount:
          type: number
          format: double
          description: Original loan principal amount
        outstandingBalance:
          type: number
          format: double
          description: Current outstanding balance
        interestRate:
          type: number
          format: double
          description: Applied interest rate
        term:
          type: integer
          description: Loan term in months
        startDate:
          type: string
          format: date
          description: Loan start date
        maturityDate:
          type: string
          format: date
          description: Loan maturity date
        repaymentFrequency:
          type: string
          description: Frequency of repayments
          enum:
            - MONTHLY
            - QUARTERLY
            - SEMI_ANNUAL
            - ANNUAL
        status:
          type: string
          description: Current loan status
    LoanCreate:
      type: object
      description: Request body for creating a new loan
      required:
        - customerId
        - productId
        - currency
        - principalAmount
        - term
      properties:
        customerId:
          type: string
          description: Customer identifier for the borrower
        productId:
          type: string
          description: Loan product identifier
        currency:
          type: string
          description: Loan currency in ISO 4217 format
          pattern: '^[A-Z]{3}$'
        principalAmount:
          type: number
          format: double
          description: Requested loan amount
          minimum: 0
        term:
          type: integer
          description: Loan term in months
          minimum: 1
    PaymentOrder:
      type: object
      description: Payment order for fund transfer
      properties:
        paymentOrderId:
          type: string
          description: Unique payment order identifier
        debitAccountId:
          type: string
          description: Originating account identifier
        creditAccountId:
          type: string
          description: Destination account identifier
        amount:
          type: number
          format: double
          description: Payment amount
        currency:
          type: string
          description: Payment currency in ISO 4217 format
        paymentType:
          type: string
          description: Type of payment
          enum:
            - INTERNAL
            - DOMESTIC
            - INTERNATIONAL
            - SEPA
            - SWIFT
        status:
          type: string
          description: Current payment order status
          enum:
            - PENDING
            - PROCESSING
            - COMPLETED
            - FAILED
            - CANCELLED
        valueDate:
          type: string
          format: date
          description: Value date for the payment
        reference:
          type: string
          description: Payment reference
        beneficiaryName:
          type: string
          description: Name of the payment beneficiary
    PaymentOrderCreate:
      type: object
      description: Request body for creating a payment order
      required:
        - debitAccountId
        - amount
        - currency
        - paymentType
      properties:
        debitAccountId:
          type: string
          description: Originating account identifier
        creditAccountId:
          type: string
          description: Destination account identifier
        beneficiaryId:
          type: string
          description: Registered beneficiary identifier
        amount:
          type: number
          format: double
          description: Payment amount
          minimum: 0
        currency:
          type: string
          description: Payment currency in ISO 4217 format
          pattern: '^[A-Z]{3}$'
        paymentType:
          type: string
          description: Type of payment
          enum:
            - INTERNAL
            - DOMESTIC
            - INTERNATIONAL
            - SEPA
            - SWIFT
        valueDate:
          type: string
          format: date
          description: Requested value date
        reference:
          type: string
          description: Payment reference
          maxLength: 140
    StandingOrder:
      type: object
      description: Standing order instruction for recurring payments
      properties:
        standingOrderId:
          type: string
          description: Unique standing order identifier
        accountId:
          type: string
          description: Source account identifier
        beneficiaryId:
          type: string
          description: Beneficiary identifier
        amount:
          type: number
          format: double
          description: Payment amount per execution
        currency:
          type: string
          description: Payment currency in ISO 4217 format
        frequency:
          type: string
          description: Execution frequency
          enum:
            - DAILY
            - WEEKLY
            - MONTHLY
            - QUARTERLY
            - ANNUAL
        startDate:
          type: string
          format: date
          description: First execution date
        endDate:
          type: string
          format: date
          description: Last execution date
        status:
          type: string
          description: Standing order status
    DirectDebit:
      type: object
      description: Direct debit mandate and instruction
      properties:
        directDebitId:
          type: string
          description: Unique direct debit identifier
        accountId:
          type: string
          description: Account to be debited
        mandateReference:
          type: string
          description: Direct debit mandate reference
        creditorName:
          type: string
          description: Name of the creditor
        amount:
          type: number
          format: double
          description: Direct debit amount
        currency:
          type: string
          description: Currency in ISO 4217 format
        frequency:
          type: string
          description: Collection frequency
        status:
          type: string
          description: Mandate status
    Customer:
      type: object
      description: Customer record
      properties:
        customerId:
          type: string
          description: Unique customer identifier
        customerType:
          type: string
          description: Customer classification
          enum:
            - INDIVIDUAL
            - CORPORATE
        title:
          type: string
          description: Customer title
        firstName:
          type: string
          description: First name for individual customers
        lastName:
          type: string
          description: Last name for individual customers
        companyName:
          type: string
          description: Company name for corporate customers
        dateOfBirth:
          type: string
          format: date
          description: Date of birth for individual customers
        nationality:
          type: string
          description: ISO 3166-1 alpha-2 nationality code
        kycStatus:
          type: string
          description: KYC verification status
          enum:
            - VERIFIED
            - PENDING
            - REJECTED
        status:
          type: string
          description: Customer record status
          enum:
            - ACTIVE
            - INACTIVE
            - CLOSED
        addresses:
          type: array
          description: Customer addresses
          items:
            $ref: '#/components/schemas/Address'
    CustomerCreate:
      type: object
      description: Request body for creating a customer
      required:
        - customerType
        - lastName
      properties:
        customerType:
          type: string
          description: Customer classification
          enum:
            - INDIVIDUAL
            - CORPORATE
        title:
          type: string
          description: Customer title
        firstName:
          type: string
          description: First name
        lastName:
          type: string
          description: Last name or company name
        dateOfBirth:
          type: string
          format: date
          description: Date of birth
        nationality:
          type: string
          description: ISO 3166-1 alpha-2 nationality code
    CustomerUpdate:
      type: object
      description: Request body for updating customer details
      properties:
        title:
          type: string
          description: Updated title
        firstName:
          type: string
          description: Updated first name
        lastName:
          type: string
          description: Updated last name
        addresses:
          type: array
          description: Updated addresses
          items:
            $ref: '#/components/schemas/Address'
    Address:
      type: object
      description: Physical address
      properties:
        addressType:
          type: string
          description: Type of address
          enum:
            - RESIDENTIAL
            - BUSINESS
            - CORRESPONDENCE
        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
    Beneficiary:
      type: object
      description: Payment beneficiary
      properties:
        beneficiaryId:
          type: string
          description: Unique beneficiary identifier
        customerId:
          type: string
          description: Associated customer identifier
        beneficiaryName:
          type: string
          description: Beneficiary display name
        accountNumber:
          type: string
          description: Beneficiary account number
        iban:
          type: string
          description: Beneficiary IBAN
        bic:
          type: string
          description: Beneficiary bank BIC/SWIFT code
        bankName:
          type: string
          description: Beneficiary bank name
        country:
          type: string
          description: Beneficiary country code
    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
    Currency:
      type: object
      description: Currency reference data
      properties:
        currencyCode:
          type: string
          description: ISO 4217 currency code
          pattern: '^[A-Z]{3}$'
        currencyName:
          type: string
          description: Currency display name
        decimalPlaces:
          type: integer
          description: Number of decimal places
        status:
          type: string
          description: Currency status
    Country:
      type: object
      description: Country reference data
      properties:
        countryCode:
          type: string
          description: ISO 3166-1 alpha-2 country code
          pattern: '^[A-Z]{2}$'
        countryName:
          type: string
          description: Country display name
    IbanStructure:
      type: object
      description: IBAN validation structure
      properties:
        countryCode:
          type: string
          description: ISO 3166-1 alpha-2 country code
        ibanLength:
          type: integer
          description: Expected IBAN length for the country
        format:
          type: string
          description: IBAN format pattern
    BundleArrangement:
      type: object
      description: Bundle arrangement grouping multiple accounts
      properties:
        bundleId:
          type: string
          description: Unique bundle identifier
        customerId:
          type: string
          description: Associated customer identifier
        bundleName:
          type: string
          description: Bundle display name
        productId:
          type: string
          description: Bundle product identifier
        arrangements:
          type: array
          description: List of arrangements in the bundle
          items:
            type: object
            properties:
              arrangementId:
                type: string
                description: Arrangement identifier
              productId:
                type: string
                description: Product identifier
        status:
          type: string
          description: Bundle status
    BundleArrangementCreate:
      type: object
      description: Request body for creating a bundle arrangement
      required:
        - customerId
        - productId
      properties:
        customerId:
          type: string
          description: Customer identifier
        productId:
          type: string
          description: Bundle product identifier
        bundleName:
          type: string
          description: Optional bundle name
        arrangements:
          type: array
          description: Arrangement identifiers to include
          items:
            type: string
    Configuration:
      type: object
      description: System configuration setting
      properties:
        configurationId:
          type: string
          description: Configuration identifier
        configurationGroup:
          type: string
          description: Configuration category group
        key:
          type: string
          description: Configuration key
        value:
          type: string
          description: Configuration value
    ApiMetadata:
      type: object
      description: API resource metadata
      properties:
        apiName:
          type: string
          description: API resource name
        apiVersion:
          type: string
          description: API version
        description:
          type: string
          description: API resource description
        path:
          type: string
          description: API resource path
    SystemStatus:
      type: object
      description: System status information
      properties:
        status:
          type: string
          description: Current system operational status
          enum:
            - OPERATIONAL
            - DEGRADED
            - MAINTENANCE
        version:
          type: string
          description: System version
        uptime:
          type: string
          description: System uptime duration
    Error:
      type: object
      description: Error response
      properties:
        errorCode:
          type: string
          description: Machine-readable error code
        errorMessage:
          type: string
          description: Human-readable error description
        details:
          type: array
          description: Additional error details
          items:
            type: object
            properties:
              field:
                type: string
                description: Field related to the error
              message:
                type: string
                description: Detail message