slug: toqio provider: Toqio generated_by: planning/capability-mapping/scripts/classify_capabilities.py model: claude-opus-5 frame: - Banking & Capital Markets min_confidence: 0.7 capability_model: source: https://github.com/vincentmakes/turbo-ea-capabilities license: CC-BY-4.0 attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities, CC BY 4.0 notice: NOTICE edge_count: 22 edges: - tag: Card Lifecycle spec_file: toqio-card-lifecycle-api-openapi.yml capability_id: BC-1340.60 capability_id_l1: BC-1340 capability_name: Card Issuance Management confidence: 0.92 evidence: POST /customers/{customerId}/cards issueCard Issue a new card"; "activateCard Activate card"; "suspendCard Suspend card reason: Issue, activate, suspend, cancel and update physical/virtual cards is plainly card issuance lifecycle management. - tag: Card actions spec_file: toqio-card-actions-api-openapi.yml capability_id: BC-1340.60 capability_id_l1: BC-1340 capability_name: Card Issuance Management confidence: 0.9 evidence: POST /api/customers/{customerId}/cards issueCardUsingPOST Issue card"; "suspendCard Suspend card"; "activateCard Activate card reason: 'Same surface as card lifecycle: issuance, activation, suspension and cancellation of customer cards.' - tag: Compliance spec_file: toqio-compliance-api-openapi.yml capability_id: BC-1300.20 capability_id_l1: BC-1300 capability_name: KYC & Customer Due Diligence Management confidence: 0.9 evidence: Deletes a merchants KYB document"; "Update shareholder document status"; "Updates the compliance status of a user or shareholder reason: KYB document handling and per-provider compliance statuses for companies, users and shareholders is customer due diligence / KYC onboarding compliance. - tag: Lending - Loan - Request spec_file: toqio-lending-loan-request-api-openapi.yml capability_id: BC-1320.10 capability_id_l1: BC-1320 capability_name: Credit Origination Management confidence: 0.85 evidence: POST /customers/{customerId}/lending/requests 'Create a lending request'; schemas LoanInformation, SignificantPerson, LendingRequestBaseRequest reason: Credit application intake and update for SME borrowers — classic credit origination workflow. - tag: Onboarding spec_file: toqio-onboarding-api-openapi.yml capability_id: BC-1300.10 capability_id_l1: BC-1300 capability_name: Customer Onboarding Management confidence: 0.85 evidence: POST /customers/{customerId}/onboarding/createMerchant 'Create Merchant'; 'Get Hosted Onboarding Link for a Merchant'; 'Update Merchant Directors'; schema Director reason: Onboarding of SME merchants including hosted onboarding flow and director details — banking customer onboarding / account opening. - tag: compliance-controller spec_file: toqio-compliance-controller-api-openapi.yml capability_id: BC-1300.20 capability_id_l1: BC-1300 capability_name: KYC & Customer Due Diligence Management confidence: 0.85 evidence: '''Upload KYB documents for a merchant''; description ''UPLOAD KYB DOCUMENTS''; schemas UploadKYBDocumentsPayload' reason: KYB (know-your-business) document submission for a merchant is customer due diligence evidence collection within banking customer onboarding/KYC. - tag: Create transaction spec_file: toqio-create-transaction-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.82 evidence: POST /customers/{customerId}/transactions createTransactionUsingPOST Create Transaction"; schemas "IssuePaymentDTO", "BankPaymentScheme reason: Creating a transaction with an IssuePaymentDTO and bank payment scheme is payment instruction capture/initiation. - tag: onboarding-controller spec_file: toqio-onboarding-controller-api-openapi.yml capability_id: BC-1300.10 capability_id_l1: BC-1300 capability_name: Customer Onboarding Management confidence: 0.82 evidence: '''Create Client Lead Via API''; schemas CreateCompanyLeadViaApiDTO, OnboardingClientDTO, Shareholder, DirectorDTO, KYX, ComplianceStatusDTO' reason: Creates the onboarding record for a corporate client including shareholders, directors and compliance/KYX status — banking customer onboarding intake for the embedded-finance platform. - tag: Direct debit spec_file: toqio-direct-debit-api-openapi.yml capability_id: BC-1340 capability_id_l1: BC-1340 capability_name: Payments & Card Management confidence: 0.8 evidence: 'POST /customers/{customerId}/directDebit applyDirectDebit Apply Direct Debit; GET /accounts/{accountId}/mandates getMandates; schemas: Mandate, MandateDetail' reason: Applying direct debits and managing mandates is payment instruction/collection handling on bank accounts; L1 payments is well supported but the evidence does not clearly pick a sub-capability (initiation vs clearing/settlement). - tag: Lending - Loan spec_file: toqio-lending-loan-api-openapi.yml capability_id: BC-1320.30 capability_id_l1: BC-1320 capability_name: Loan Servicing Management confidence: 0.8 evidence: GET /customers/{customerId}/lending/loans/{loanId} getLoan 'Get a loan'; 'Get loan transactions'; schemas RepaymentTerms, LoanTransactionResponse reason: Read/servicing surface over existing loans — loan detail, contract document, repayment terms and loan transactions — which is loan servicing within credit & lending, not origination. - tag: Security spec_file: toqio-security-api-openapi.yml capability_id: BC-1340.60 capability_id_l1: BC-1340 capability_name: Card Issuance Management confidence: 0.8 evidence: PUT /customers/{customerId}/cards/{cardId}/activate 'Activate card'; 'Get card PIN'; 'Suspend card'; description 'managing customer cards including physical and virtual cards ... with full lifecycle management' reason: Despite the generic 'Security' tag, operations perform card activation, PAN/PIN retrieval and suspension — card issuance and activation lifecycle. - tag: Card Details spec_file: toqio-card-details-api-openapi.yml capability_id: BC-1340.60 capability_id_l1: BC-1340 capability_name: Card Issuance Management confidence: 0.75 evidence: POST /customers/{customerId}/cards/{cardId}/pan getPan Get card PAN (Primary Account Number)", "getPin Get card PIN reason: Retrieval of card PAN, PIN, settings and card image for issued cards is card personalisation/servicing within card issuance management, not transaction switching. - tag: Delete Account spec_file: toqio-delete-account-api-openapi.yml capability_id: BC-1330.40 capability_id_l1: BC-1330 capability_name: Account Lifecycle Operations Management confidence: 0.75 evidence: Allows cancelling or removing a specified account. A cancelled account remains visible in the UI, while a removed account is no longer shown reason: Single operation performs account cancellation/removal on a client bank account, i.e. account lifecycle closure operations within an accounts API ('Endpoints to manage client accounts'). - tag: Transaction spec_file: toqio-transaction-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.75 evidence: POST /customers/{customerId}/transactions saveTransfer 'Save Transfer'; 'Get bank payment schemes'; 'Get quote for currency pair'; schema BeneficiaryBankPaymentScheme reason: Operations capture and submit payment transfers, list bank payment schemes, obtain FX quotes and check transaction status for an embedded-finance banking product — payment initiation/processing, not a generic ledger. L2 initiation is the best fit for the transfer-capture surface, though processing/cross-border elements also appear. - tag: Transactions information spec_file: toqio-transactions-information-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.75 evidence: '''Cancel Transfer''; ''Execute Four-Eyes Payment''; ''Get Bank Payment Schemes''; description ''Transactions endpoints to manage the transactions of a customer''' reason: 'Payment instruction lifecycle for a banking customer: retrieve, cancel, and dual-authorise (four-eyes) payments plus payment statements — payment initiation and authorisation within Payments & Card Management.' - tag: User credentials spec_file: toqio-user-credentials-api-openapi.yml capability_id: BC-620.20 capability_id_l1: BC-620 capability_name: Identity & Access Management confidence: 0.72 evidence: '''Create password'', ''Create username'', ''Create security code'', ''Create security questions''; schemas UserCredentialPasswordDTO, UserCredentialSecurityQuestionsDTO' reason: Purely credential issuance and authentication-factor setup for users — identity and access management plumbing rather than a banking business capability. - tag: API Endpoints spec_file: toqio-api-endpoints-api-openapi.yml capability_id: BC-1300.20 capability_id_l1: BC-1300 capability_name: KYC & Customer Due Diligence Management confidence: 0.7 evidence: getKYBDocumentsPerCompany 'Get KYB Documents Per Company' with path .../provider/{complianceProvider}/companyDocuments; schema KYXDocument reason: Generic tag, but the operations retrieve KYB/KYX compliance documents held per company against a compliance provider — customer due diligence evidence retrieval. The second operation is document-download plumbing, which lowers confidence. - tag: Account spec_file: toqio-account-api-openapi.yml capability_id: BC-1330.10 capability_id_l1: BC-1330 capability_name: Deposit Account Management confidence: 0.7 evidence: POST '.../accounts createAccount Create account'; 'Get account ownership certificate'; 'Get Dynamic Account Balances'; 'Find account transaction list statement' (bankStatement) reason: 'Lifecycle and servicing of embedded-finance bank accounts: creation, update, deletion, balances, statements and ownership certificates. Deposit account management is the best fit; some overlap with account lifecycle operations.' - tag: Fees spec_file: toqio-fees-api-openapi.yml capability_id: BC-1310 capability_id_l1: BC-1310 capability_name: Banking Product Management confidence: 0.7 evidence: GET /customers/{customerId}/client/{clientId}/card/fees/{currency} getCardFees Get card fees; getNewAccountFees Get account fees; TransactionFeeUsingPOST Transaction fee reason: Operations expose fee amounts for cards, accounts and transactions per currency — banking product fee/pricing parameters. Evidence supports the L1 product factory but does not clearly separate pricing from parameter configuration. - tag: Lending spec_file: toqio-lending-api-openapi.yml capability_id: BC-1320 capability_id_l1: BC-1320 capability_name: Credit & Lending Management confidence: 0.7 evidence: GET /customers/{customerId}/lending/default-repayment-terms getDefaultRepaymentTerms Get default repayment terms reason: Exposes lending repayment terms, clearly within credit & lending; a single read of default terms is too thin to choose between loan servicing and product parameter sub-capabilities. - tag: Lending - Lender spec_file: toqio-lending-lender-api-openapi.yml capability_id: BC-1320 capability_id_l1: BC-1320 capability_name: Credit & Lending Management confidence: 0.7 evidence: POST /customers/{customerId}/lending/lender createLenderConfiguration Create a lender configuration reason: CRUD over lender configuration for the lending product line — part of credit & lending management; the configuration nature does not pinpoint a specific L2. - tag: Lending - Loan - Offer spec_file: toqio-lending-loan-offer-api-openapi.yml capability_id: BC-1320.10 capability_id_l1: BC-1320 capability_name: Credit Origination Management confidence: 0.7 evidence: PUT /customers/{customerId}/lending/loans/offers/{loanOfferId}/accept 'Accept a loan offer'; schema LoanOfferResponse, LoanFee reason: Presenting and accepting a loan offer is part of the credit origination flow; some ambiguity between origination and decisioning, hence moderate confidence.