slug: upward-financial
provider: Upward Financial
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: 6
edges:
- tag: payments
  spec_file: upward-financial-payments-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.85
  evidence: POST /v2/payments/ach/ 'Create Create ACH Request'; POST /v2/payments/instant/ 'Create Instant
    Payment Request'; POST /v2/payments/aft/ 'Create AFT Payment Request'
  reason: Operations capture, submit, retrieve and cancel money-movement instructions across ACH, instant,
    AFT/OCT and P2P rails — payment initiation within Payments & Card Management. Sub-capability chosen
    as initiation since the surface is instruction creation/status rather than clearing internals.
- tag: onboarding
  spec_file: upward-financial-onboarding-api-openapi.yml
  capability_id: BC-1300.10
  capability_id_l1: BC-1300
  capability_name: Customer Onboarding Management
  confidence: 0.8
  evidence: POST /v2/onboarding/{external_id}/verify-identity/  verify-identity; POST /v2/onboarding/{external_id}/accept-terms/
  reason: End-to-end account opening flow with identity verification, terms acceptance, bank linking,
    underwriting and loan submission — customer onboarding for a credit product.
- tag: paymentCards
  spec_file: upward-financial-payment-cards-api-openapi.yml
  reanchored_from: upward-financial-paymentcards-api-openapi.yml
  capability_id: BC-1340.60
  capability_id_l1: BC-1340
  capability_name: Card Issuance Management
  confidence: 0.8
  evidence: POST /v2/payment-cards/{payment_card_id}/emboss  payment-card-emboss; POST /v2/payment-cards/{payment_card_id}/replace-lost-stolen
  reason: Card embossing/shipping, freeze/unfreeze, reissue, lost-stolen replacement and closure are card
    issuance and lifecycle operations.
- tag: billPayments
  spec_file: upward-financial-bill-payments-api-openapi.yml
  reanchored_from: upward-financial-billpayments-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.75
  evidence: POST /v2/bill-pay/bills/{external_id}/payments/  create-bill-payment  Create Bill Payment
  reason: Bill creation and payment initiation against bills is payment instruction capture and execution
    — payment initiation management.
- tag: cbaas
  spec_file: upward-financial-cbaas-api-openapi.yml
  capability_id: BC-1320.30
  capability_id_l1: BC-1320
  capability_name: Loan Servicing Management
  confidence: 0.7
  evidence: POST /v2/credit-lines/{credit_line_id}/transactions/{transaction_id}/clear/  clear-transaction
  reason: Holds, clears, closes, cancels and reverses transactions on credit lines — servicing operations
    on lending accounts.
- tag: consumers
  spec_file: upward-financial-consumers-api-openapi.yml
  capability_id: BC-1300.40
  capability_id_l1: BC-1300
  capability_name: Customer Information Management
  confidence: 0.7
  evidence: POST /v2/consumers/  create-new-consumer  Create New Consumer; GET /v2/consumers/{consumer_id}/addresses/
  reason: Maintains consumer master records, addresses and linked accounts/cards for a banking platform
    — customer information management.