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titleOB Standards

This Section applies to ASPSPs that have implemented OB Standards

Implement 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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Implement Open Data v2.2


-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

v3.1
✅CompleteImplement Customer Experience Guidelines v1.1Implement App-to-App Redirection✅CompleteImplement OB Security Profile Implementer's Draft v1.1.2✅CompleteImplement FAPI Profile Implementers Draft 2✅CompleteImplement CIBA Profile Implementers Draft 1Implement Dynamic Client Registration v1.1Currently UnsupportedImplement Dynamic Client Registration v3.1Currently UnsupportedDecommission Read/Write API Specification v1.x/2.x✅Decommission OB Security Profile Implementer's Draft v1.x✅Article 10 SCA Exemption (for 90 days)

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
Have you implemented TRIs (Transactional Risk Indicators), if not, 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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titleMethod of IdentificationSCA-RTS 90-day reauth Implementation

API Standard Implemented?

Open Banking v3.1.2 AIS, PIS, CBPII

Name of Account Holder Implementation Date?

✅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

FAPI Compliant?

✅Yes (certification pending)

CIBA

TBCUsing Open Banking as your eIDAS Trust Framework?Are you caching the Directory?NoTransaction IDs


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

Commence support for OBIE QWAC-like certificates

TBCCommence support for OBIE QSEAL-like certificatesTBCCease support for OBIE non eIDAS-like certificates for transportNo plansCease support for OBIE non eIDAS-like certificates for signingNo plansSupport for MTLS token endpoint authentication✅YesSupport for private_key_jwt token endpoint authenticationNoCease support for client id and client secret token endpoint authentication✅Unsupported
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titleImplementation
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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/

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 OBL PS team only)

Status
colourGreen
titleImplemented





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titleSecurity Profile


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-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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titleCustomer Journey


No
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-What is your approach to Implementing 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.

Implementing Bespoke User Journeys?

✅Yes

Implementing App to App?

✅YesApp to App Implementation Date? 

Options on 90 day re-authentication?

No

Support Embedded Flow?

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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Dispute Management System?

TBCFCA Adjustment Period - Maintaining Screen Scraping?Maintaining legacy AIS API (for existing AISPs) without SCA for the adjustment period. New AISPs will onboard directly onto the Monzo Open Banking API
-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?Yes
Transaction IDs SupportedYes

Are you Seeking Fallback Exemption?

  •  Yes

Adjusted or Fallback Interface?

NoAdjusted or Fallback URL?N/AContact Email or Phone Number?openbanking@monzo.comDev Portal URL?
  •  No


Article 10 - Maximum time period after authentication5 minutes
Article 10 - Endpoints exempt of SCA

Accounts, Balances and Transactions


Major Milestones

Brand(s)Monzo




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titleASPSP Dev Portal and Contact Details


SCA Scope? (will it inhibit non PSD2 accounts)
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Location of Well Known Endpoints

Dev portal 

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

https://docs.monzo.com/


Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://docs.monzo.com
Test Facility
Implementation Date?
 Production Interface Implementation Date? 

Authentication Method - Open Banking Channel (Browser)?

Hybrid redirect with authentication happening on customers device.

Authentication Method - Open Banking Channel (APP)?

App to App available in Monzo v2.63

Authentication Method - Private Channel (Browser)?

None

Authentication Method - Private Channel (APP)?

None

Authentication Method Implementation Date (Open Banking Channel)?

Authentication Method Implementation Date (Private Channel)?

SCA Implementation Date?

 
URLhttps://docs.monzo.com
Brand Landing Pages URLhttps://www.monzo.com[You can use this space to explain your guidance on using Brand logos]

ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

Email : openbanking@monzo.com

Website : https://docs.monzo.com





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High Cost Credit

TBC

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