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titleOB Standards


Page Properties
idStandards-Production


Currently Unsupported✅✅
Implement Open Data v2.2

Implement Read/Write API Specification v3.1✅CompleteComplete
Implement Customer Experience Guidelines v1.1

Implement App-to-App Redirection✅CompleteComplete
Implement OB Security Profile Implementer's Draft v1.1.2✅CompleteComplete
Implement FAPI Profile Implementers Draft 2✅CompleteComplete
Implement CIBA Profile Implementers Draft 1

Implement Dynamic Client Registration v1.1

Implement Dynamic Client Registration v3.1Currently UnsupportedComplete
Decommission Read/Write API Specification v1.x/2.x

Decommission OB Security Profile Implementer's Draft v1.x

Article 10 SCA Exemption (for 90 days)Accounts, Balances, Transactions (last 90 days), Pots (non-standard endpoint), Direct Debits (executed within the last 90 days), Standing Orders (executed within the last 90 days), Scheduled Payments



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titleMethod of Identification


Page Properties
idID-Production


Commence support for eIDAS QWAC certificatesTBC 
Commence support for eIDAS QSEAL certificates
TBC 

Commence support for OBIE QWAC-like certificates

TBC 
Commence support for OBIE QSEAL-like certificatesTBC 
Cease support for OBIE non eIDAS-like certificates for transportNo plans
Cease support for OBIE non eIDAS-like certificates for signingNo plans
Support for MTLS token endpoint authentication✅YesYes
Support for private_key_jwt token endpoint authenticationNo
Cease support for client id and client secret token endpoint authentication✅UnsupportedUnsupported




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titleImplementation


Page Properties
idTC-IMP


Directory?

Open Banking

Location of Well Known Endpoints?

Dev Portal (see Notes)

https://api.monzo.com/open-banking/.well-known/openid-configuration

https://docs.monzo.com/

API Standard Implemented?

Open Banking v3.1.2 AIS, PIS, CBPII

Name of Account Holder Implementation Date?

✅Legal Legal and preferred names of authenticated user available through the Parties endpoint


Supported identification method?Mutual TLS

Major Milestones

Version 3.1.2 AISP, PISP, CBPII


Security Profile?
✅Yes Yes (certification pending)
Security Profile Certification?

CIBA

TBC
Using Open Banking as your eIDAS Trust Framework?

Are you caching the Directory?No
Transaction IDs



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titleCustomer Journey


Page Properties
idTC-CJ


Implementing Customer Experience Guidelines?

Partial and Equivalent friction journeys due to Monzo customers having different authentication factors.


Implementing Bespoke User Journeys?

✅YesYes

Implementing App to App?

✅YesYes
App to App Implementation Date? 

Options on 90 day re-authentication?

No

Support Embedded Flow?

No



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