Temenos Transact
Core banking APIs from Temenos Transact, providing comprehensive banking functionality including accounts, transactions, payments, loans, and customer management.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Temenos Transact the way a machine reads it — 178 machine-readable artifacts across 13 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Temenos Transact scores 59.8/100 (developing), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Temenos Transact
Each block below is one kind of artifact we hold for Temenos Transact. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 13
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Temenos Transact Microservices APIs
APIs for Temenos Transact microservices including callback registry, configuration management, user entitlements, and service orchestration for building event-driven and composa...
Temenos Transact Data Hub APIs
High-performance APIs built on the near real-time Analytics Data Store and Operational Data Store from Temenos Transact Data Hub, providing banking-specific analytical and opera...
Temenos Operational Data Store APIs
APIs built on the near real-time Operational Data Store from Temenos Transact Data Hub, presenting data in specific formats for operational and API use cases utilizing real-time...
Temenos Transact Accounts API
Manage customer accounts created using the Arrangement Architecture including current accounts, savings accounts, corporate accounts, Islamic accounts, non-resident and minor ac...
Temenos Transact Beneficiaries API
Manage payment beneficiaries including domestic and international beneficiary registration, validation, and maintenance.
Temenos Transact Cards API
Manage debit and credit card operations including card issuance, activation, blocking, and limit management.
Temenos Transact Customers API
Create, update, and manage customer profiles, contact details, KYC documentation, compliance records, communication preferences, and party relationships.
Temenos Transact Deposits API
Manage deposit arrangements including term deposits, savings deposits, and fixed deposit products with maturity tracking and renewal capabilities.
Temenos Transact Loans API
Create and manage loan arrangements, credit facilities, repayment schedules, drawdowns, and loan lifecycle operations.
Temenos Transact Payments API
Process fund transfers, standing orders, direct debits, payment orders, sweeps, and cross-border payments. Includes payment validation, cost calculation, status tracking, and ca...
Temenos Transact Products API
Browse the product catalog and retrieve product conditions, eligibility criteria, and arrangement details.
Temenos Transact Reference Data API
Access system-wide lookup and configuration data including currencies, countries, IBAN/BIC validation, interest rate tables, and balance type definitions.
Temenos Transact Transactions API
Retrieve transaction history, statement details, and account activity records for all account types and arrangements.
Scroll within the panel for all 13 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Temenos Transact Core Banking API
OPEN COLLECTIONPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Temenos Transact Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Temenos Transact Finops
FINOPSFeatures 5
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Arrangement Architecture
Modular, component-based framework enabling reusable product components across retail, corporate, treasury, wealth, and Islamic banking.
Multi-Currency Support
Full support for multi-currency accounts, payments, and exchange rate management with ISO 4217 compliance.
KYC and AML Compliance
Built-in customer verification, AML checks, and compliance tracking for regulatory requirements.
Real-Time Payments
Support for SEPA, SWIFT, ACH, RTGS, and domestic clearing payment types with real-time processing.
Product Catalog
Configurable product catalog with conditions, eligibility criteria, and arrangement details for banking products.
Semantic Vocabularies 2
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Spectral Rules 2
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Temenos Transact API Rules
SPECTRALTemenos Transact API Rules
SPECTRALJSON Schema 49
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
AccountBalancesResponse
JSON SCHEMAAccountBalances
JSON SCHEMAAccountDetailsResponse
JSON SCHEMAAccount
JSON SCHEMAAccountUpdateRequest
JSON SCHEMAAccountsResponse
JSON SCHEMAAddress
JSON SCHEMABeneficiariesResponse
JSON SCHEMABeneficiaryCreateRequest
JSON SCHEMABeneficiaryResponse
JSON SCHEMABeneficiary
JSON SCHEMACardDetailsResponse
JSON SCHEMACard
JSON SCHEMACardsResponse
JSON SCHEMACountriesResponse
JSON SCHEMACountry
JSON SCHEMACurrenciesResponse
JSON SCHEMACurrency
JSON SCHEMACustomerCreateRequest
JSON SCHEMACustomerDetailsResponse
JSON SCHEMACustomer
JSON SCHEMACustomerUpdateRequest
JSON SCHEMACustomersResponse
JSON SCHEMADepositDetailsResponse
JSON SCHEMADeposit
JSON SCHEMADepositsResponse
JSON SCHEMAErrorResponse
JSON SCHEMAFundTransferRequest
JSON SCHEMAFundTransferResponse
JSON SCHEMAFundTransfer
JSON SCHEMAIbanValidationResponse
JSON SCHEMALoanDetailsResponse
JSON SCHEMALoan
JSON SCHEMALoansResponse
JSON SCHEMAPaginationInfo
JSON SCHEMAPaymentOrderRequest
JSON SCHEMAPaymentOrderResponse
JSON SCHEMAPaymentOrder
JSON SCHEMAPaymentOrdersResponse
JSON SCHEMAProduct
JSON SCHEMAProductsResponse
JSON SCHEMAResponseHeader
JSON SCHEMAStandingOrderRequest
JSON SCHEMAStandingOrderResponse
JSON SCHEMAStandingOrder
JSON SCHEMAStandingOrdersResponse
JSON SCHEMATransaction
JSON SCHEMATransactionsResponse
JSON SCHEMATemenos Transact Banking Transaction
JSON SCHEMAScroll within the panel for all 49 ·
JSON Structure 48
JSON Structure captures the data shapes in a form built for tooling — a complement to JSON Schema that keeps the model machine-legible.
JSON Structure definitions describing this provider's data shapes.
Temenos Transact Core Banking Account Balances Structure
JSON STRUCTURETemenos Transact Core Banking Account Structure
JSON STRUCTURETemenos Transact Core Banking Address Structure
JSON STRUCTURETemenos Transact Core Banking Beneficiary Structure
JSON STRUCTURETemenos Transact Core Banking Card Structure
JSON STRUCTURETemenos Transact Core Banking Cards Response Structure
JSON STRUCTURETemenos Transact Core Banking Country Structure
JSON STRUCTURETemenos Transact Core Banking Currency Structure
JSON STRUCTURETemenos Transact Core Banking Customer Structure
JSON STRUCTURETemenos Transact Core Banking Deposit Structure
JSON STRUCTURETemenos Transact Core Banking Error Response Structure
JSON STRUCTURETemenos Transact Core Banking Fund Transfer Structure
JSON STRUCTURETemenos Transact Core Banking Loan Structure
JSON STRUCTURETemenos Transact Core Banking Loans Response Structure
JSON STRUCTURETemenos Transact Core Banking Pagination Info Structure
JSON STRUCTURETemenos Transact Core Banking Payment Order Structure
JSON STRUCTURETemenos Transact Core Banking Product Structure
JSON STRUCTURETemenos Transact Core Banking Response Header Structure
JSON STRUCTURETemenos Transact Core Banking Standing Order Structure
JSON STRUCTURETemenos Transact Core Banking Transaction Structure
JSON STRUCTUREScroll within the panel for all 48 ·
Examples 48
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Scroll within the panel for all 48 ·
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Use Cases 4
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
Digital Banking
Build digital banking apps with account management, transaction history, and payment initiation APIs.
Open Banking
Enable third-party access to banking data and payment services through standardized APIs.
Loan Origination
Automate loan application, credit assessment, and disbursement workflows through API integration.
Customer Onboarding
Streamline customer registration with KYC verification, account opening, and beneficiary setup.
Resources
Every other property we hold for Temenos Transact — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 3
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/temenos-transact · machine-readable index on apis.io