Page Comparison

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title	OB Standards

This Section applies to ASPSPs that have impletemented OB Standards

Page Properties

icon	false
id	TC-OB Standards

-Have you Implemented OB Standards?	Yes No
Open Data - Which version have you Implemented?	None V2.2 V2.3 V2.4
Read/Write API Specification Implemented or planning to implement (Lowest version = Current, Highest version = Planned)	V3.0 V3.1 V3.1.1 V3.1.2 V3.1.3 V3.1.4 V3.1.5 V3.1.6 V3.1.7 V3.1.8 V3.1.9 V3.1.10 V3.1.11 V4.0
Read/Write API - Which date are you planning to implement your latest version?
Have you implemented v4.0 information flows, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Dynamic Client Registration - Which version have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	None V3.1 V3.2 V3.3
DCR - Which date are you planning to implement your latest version?
Have you implemented Trusted beneficiaries, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented Reverse Payments, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented ECA Standard?	Already Implemented Planning to implement Not planning to implement
ECA Implementation details		Contact: [enter contact details for the relevant person(s) at your organisation] [You can use this space to provide your status with respect to the Standard]
Have you implemented Bulk/File Payments?	Already Implemented Planning to implement Not planning to implement
Have you implemented VRP – Sweeping, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented VRP non-Sweeping, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement	Contact: [enter contact details for the relevant person(s) at your organisation] [You can use this space to provide implementation details relevant to VRP]
PISP - Single Payment Limit	£10k
PISP - Daily Payment Limit	£10k
How many months of transaction do you provide?	Infinite
Are Have you planning to implement implemented TRIs (Transactional Risk Indicator enhancements included in v3.1.10Indicators), if sonot, implementation date planned to Implement?
What is your approach to Implementing TRIs?	Accept payload with TRI fields – Process all fields Accept payload with TRI fields – Ignore all fields Reject payload with TRI fields – Error back to TPP Accept payload with TRI fields – Process few fields (Provide list of accepted fields)

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Panel

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title	SCA-RTS 90-day reauth Implementation

Page Properties

id	SCA-RTS

Which date are you planning on implementing the SCA reauthentication exemption?

01/08/2022

What is your approach to token management to enable application of the reauthentication exemption? (see link to FCA guidance)

https://docs.monzo.com/#sca-rts-ps21-19

Example approach:
Issue a long-lived refresh token during one final SCA, with refresh token rotation implemented.

[Please use this space to provide more details on your approach]

Article 10A - Endpoints exempt of SCA-RTS

Accounts
Transactions (90days)
Balances
Standing orders
Direct debits
Beneficiaries
Products
Offers
Parties
Scheduled Payments
Statements

Article 10A - Endpoints not exempt of SCA-RTS

Transactions (more than 90days)
Standing orders
Direct debits
Beneficiaries
Products
Offers
Parties
Scheduled Payments
Statements

Article 10A - Maximum time period after authentication

Please specify the time period in minutes

SCA-RTS implementation status (updated by OBIE OBL PS team only)

Status

colour	Green
title	Implemented

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Panel

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title	Security Profile

Page Properties

id	ID-Production

-Which Security profile have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	OB Security Profile (Legacy) FAPI (ID2) FAPI 1 Advanced Other (Please define)
Security Profile - Next Planned Version Implementation Date
CIBA Profile - Implemented or planning to implement (Lowest version = Current, Highest version = Planned)	None CIBA CIBA FAPI Profile
CIBA Profile - Next Planned Version Implementation Date
Security Profile Certification date?
Token Endpoint Authentication Methods Supported	client_secret_post client_secret_basic client_secret_jwt tls_client_auth Private_key_jwt
Planned date to Cease support for client id and client secret token endpoint authentication	Unsupported
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)	eIDAS QWAC eIDAS QSealC OB legacy (obtransport, obsigning) OBWAC OBSeal Other (Please define)

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Panel

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title	Customer Journey

Page Properties

id	TC-CJ

-What is your approach to Implementing OBIE OBL Customer Experience Guidelines (CEG)? (tick all that apply)	Already Implemented Planning to implement or upgrade Not planning to implement CEG	Partial and Equivalent friction journeys due to Monzo customers having different authentication factors.
Which version have you implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	V3.1.2 V3.1.3 V3.1.4 V3.1.5 V3.1.6 V3.1.7 V3.1.8 V3.1.9 V3.1.10 V3.1.11 V4.0
Which date are you planning to implement your latest CEG version?	TBC
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys

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Panel

titleColor	Black
borderStyle	dashed
title	PSD2

Page Properties

id	TC-PSD2

Are you enrolled to Dispute Management System?

No

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	Yes
Transaction IDs Supported	Yes	Yes	TBC
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	5 minutes
Article 10 - Endpoints exempt of SCA	Accounts, Balances and Transactions
Major Milestones
Brand(s)	Monzo

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Versions Compared

Old Version 55

New Version 56

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