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OB Standards

This Section applies to ASPSPs that have impletemented 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

Read/Write API - Which date are you planning to implement your latest version?

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 you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?

SCA-RTS 90-day reauth Implementation

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



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


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]

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


Planned / In-progress / Implemented / TBC
Security Profile


-Which Security profile have you Implemented or planning to implement?

(Lowest version = Current, Highest version = Planned)

  • OB Security Profile (Legacy)
  • FAPI
  • 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) 


Customer Journey

-What is your approach to Implementing OBIE 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

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

Options on 90 day re-authentication?

At log in after 90 days the customer will have to re-authenticate.
PSD2
-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?Yes
Transaction IDs SupportedYes

Are you enrolled to Dispute Management System?

  • Yes
  • No
TBC

Are you Seeking Fallback Exemption?

  • Yes
  • No


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

Accounts, Balances and Transactions


Major MilestonesVersion 3.1.2 AISP, PISP, CBPII
Brand(s)Monzo
ASPSP Dev Portal and Contact Details

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 URL

Brand Landing Pages URL
[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


Key Implementations

High Cost Credit

TBC

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