apiVersion: naftiko.dev/v1
kind: Capability
metadata:
  name: yapily-payment-initiation
  labels:
    provider: yapily
    domain: open-banking
    regulation: psd2
spec:
  title: Yapily Payment Initiation
  description: |
    Initiate single, scheduled, periodic, bulk, and international payments directly
    from a consenting customer's bank account via Yapily's PIS endpoints. Consents
    are single-use for payments. Uses redirect or embedded authorisation flows.
  api: yapily:yapily-payments-api
  inputs:
    - name: consent_token
      type: string
      required: true
    - name: payment_request
      type: object
      required: true
  operations:
    - createPayment
    - createBulkPayment
    - getPaymentDetails
    - getPaymentStatus
    - getPaymentDetailsByMerchant
  governance:
    - PSD2 strong customer authentication required
    - Single-use consent per payment
    - Confirmation of funds where supported by institution