Tide Platform Ltd

OB Standards

This Section applies to ASPSPs that have implemented 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	Variable, min £15,000
PISP - Daily Payment Limit	Variable, min £150,000
How many months of transaction do you provide?	No limit
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)

SCA-RTS 90-day reauth Implementation

Which date are you planning on implementing the SCA reauthentication exemption?	Implemented on 21st September 2022.
What is your approach to token management to enable application of the reauthentication exemption? (see link to FCA guidance)	We issue a long-lived refresh token during one final SCA, with refresh token rotation implemented. I.e. any existing tokens before the change would not have the exemption applied but any new ones following the deployment last week will benefit from the exemption.	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)	IMPLEMENTED	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 (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	Complete
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 OBL Customer Experience Guidelines (CEG)? (tick all that apply)	Already Implemented Planning to implement or upgrade Not planning to implement CEG
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?
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys	App-app and mobile web to app is in line with OB guidelines but desktop web to web auth required bespoke flow to cater for QR code authentication

PSD2

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	Yes
Transaction IDs Supported	Option 1	ASPSPs provide a Unique, Immutable TransactionID from their core system
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	90 Days
Article 10 - Endpoints exempt of SCA	Accounts, Balances, Transactions
Major Milestones
Brand(s)

ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints	Developer Portal
Modified Customer Interface URL (if applicable)
Dev Portal URL	https://developers.tide.co/
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)	OB service desk , Open Banking Service Desk

Key Implementations

High Cost Credit	TBC