Open Banking Core Platform
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Overview
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Glossary
API Diagram
Decision Tree
Overview
9
Broker Mode: TPP can Acts as Gateway
Advanced fintechs or regulated third-party providers can use AHS as a broker layer.
Aggregates access
to multiple ASPSPs
Offers consent management,
API abstraction, token storage
Reduces complexity for
downstream fintechs
2
AHS (TPP) Initiates Account or Payment Journey via Core Platform
AHS (as a TPP) sends request to the Core Open Banking Platform via exposed API.
Core Platform routes the request based on service type:
For account info → to Account Aggregation API Consumer Service
1
Customer Onboards on AHS App
Customer uses a AHS app that is integrated with OB platform.
TPP(AHS) requests to connect customer’s bank account (account data or payment).
5
ASPSP Returns Authorisation Code
After successful consent, ASPSP redirects customer back to Core Platform.
Core Platform exchanges the code and returns access/refresh tokens to AHS (TPP system) to access user bank data.
8
Optional: TPP Builds Its Own Sandbox
AHS (TPP) can simulate ASPSP endpoints using a mock API layer.
Tests business logic before going live, powered by your platform’s APIs.
3
Core Platform Redirects Customer to ASPSP
Core Platform generates
an authentication request.
Customer is redirected to their selected ASPSP (bank) to authenticate and give consent.
6
Core Platform Delivers Response to TPP
Processed data or payment result is securely returned to the TPP.
AHS (TPP) uses this to update the user interface, analytics, or fulfil the payment.
4
Customer Authenticates with ASPSP
Customer completes SCA (login + OTP, biometrics, etc.).
Approves requested access (e.g. “View transactions” or “Pay £100 to X”).
7
Event Notification Service Triggers Updates
Any asynchronous events (e.g. status updates, consent expiry, payment success/failure) are handled by the Event Notification Service.
These are pushed to AHS (TPP) via webhooks or polling APIs for real-time updates.
10
Account Aggregation API
Account Access Consents
Beneficiaries
Offers
Accounts
Direct debits
Parties
Transactions
Standing oders
Statement
Balances
Products
Scheduled payments
12
CoF API
Confirmation of funds consent
Confirmation of funds
13
Variable recurring payments
Domestic VRP consents
Domestic VRPs
14
Event Notification API
Event notification suscription API
Call back URL API
Real time event notification API
Aggregate polling API
11
Payments API
Domestic payments consent
11.1
Domestic payments
11.2
Domestic scheduled payments consent
11.3
Domestic scheduled payments
11.4
Domestic standing orders consent
11.5
Domestic standing orders
11.6
International payments consent
11.7
International payments
11.8
International scheduled payments Consent
11.9
International scheduled payments
11.10
International Standard orders Consent
11.11
International Standard orders
11.12
File payments Consent
11.13
File payments
11.14