The Regulatory Framework for Open Banking in Nigeria established principles for data sharing across the banking and payments system to promote innovations and broaden the range of financial products and services available to bank customers. As a result, open banking recognizes the ownership and control of data by customers of financial and non-financial services, and their right to grant authorizations to service providers for the purpose of accessing innovative financial products and services. This is anticipated to drive competition and improve accessibility to banking and payments services.
\nThis is a draft of the API specification standards designed to be used in compliance with the Central Bank of Nigeria (CBN) operational guidelines on open banking within the Nigerian financial ecosystem.
\nGiven the open banking proposition, any organisation that has data of customers which may be exchanged with other entities for the purpose of providing innovative financial services within Nigeria, is eligible to participate in the Open Banking ecosystem.
\nEntities participating within the Open banking ecosystem are categorized based on the following roles that they may perform. Participants may assume more than one role depending on their services and offerings:
\n* API Provider (AP): This refers to a participant that uses API to avail data or service to another participant. An API Provider can be a licensed financial institution/service provider, a Fast-Moving Consumer Goods (FMCG) Company or other retailers, Payroll Service Bureau etc.
* API Consumer (AC): This refers to a participant that uses API released by the (API) providers to access data or service. An API Consumer can be a licensed financial institution/service provider, an FMCG or other retailers, Payroll Service Bureau etc.
* Customer: This refers to the data owner and end-user that may be required to provide consent for release of data for the purpose of accessing financial services.
The draft Open Banking API specifications, when implemented, will allow Nigerian banks and other financial institutions to develop API endpoints that can then be accessed by API users (e.g., third-party developers, fintechs) to build mobile and web applications for their customers.
\nThese API definitions are a draft and represent our ideas of what the open APIs for financial institutions should be. Suggestions and comments are welcomed. To contribute or know more, kindly email contact@openbanking.ng.
\nOpen Banking Nigeria is not a fintech, or a switch, or a company you connect to for financial services. We are a non-profit driving the advocacy for common API standard within the Nigerian banking ecosystem. The APIs defined here cannot be used for actual transactions.
\nOpen Banking allows account holders to seamlessly and securely link their bank account information with their platform or apps of choice.
\nThrough the Open Banking API, a fintech can quickly create secure and personalized products and apps for its customers. While you can get access to our sandbox to start testing Open Banking in minutes, you would need to connect with real banks to be able to do real-life transactions.
\nAll data presented here are dummy values.
\nTo know more about Open Banking Nigeria and its advocacy to get Nigerian banks to adopt the same API standard, please visit the Open Banking Nigeria website.
\nAPI Consumers (AC) will obtain CLIENT_ID and CLIENT_SECRET from the Open Banking Gateway of the API Producer (AP) they want to connect with.
ACs would use these credentials to call the /token endpoint of the AP using Basic Authentication. This would in turn provide them with a Bearer Token to use for future calls going forward.
Therefore, for endpoints that require authentication, they AC would need to add the following header to each request:
\nAuthorization: Bearer
If you do use an expired token, you will receive a 401 response code, indicating that your access is no longer authorized.
All of the Open Banking Nigeria API responses returned are in JSON format, with these data types defined below:
\nFor endpoints that provide several records, the response may be paged depending on the total number of records that the server can return at a time. This means that to retrieve the full set of items for a given resource you may be required to make several requests.
\n* If you are on the first page, the \"prev\" link will not be present in the response.
* If you are at the final page, the \"next\" link will not be present in the response
* If there are no pages and all data is returned neither \"prev\" or \"next\" links will be present in the response
Errors in the Open Banking Nigeria API are expressed as a combination of HTTP status codes and an accompanying JSON body providing required detail where possible. You should be able to rely on the HTTP status code alone to determine the cause of the problem.
\n{\n \"status\": \"07\",\n \"error_code\": \"INVALID_ACCOUNT\",\n \"message\": \"The beneficiary account is invalid\",\n \"data\": {}\n}\n\nThe Open Banking API ard has been designed to be flexible enough to allow ACs to layer on additional data fields. This would help to pass on proprietary information not common to all banks or additional processing directives unique to the specific bank.
\nThe custom_properties are optional and are a collection which means multiple instances of these fields may be included in any message.
For this documentation, the custom_properties will not be included in all the Response Body Fields
Find in the table below the possible response codes usually formatted as status and their respective descriptions. They follow the 8583 standards.
All Open Banking APIs shall support idempotency for safely retrying transactions without accidentally performing the same operation twice. This is useful when an API call is disrupted, and the AC does not receive a response. For example, request_time_out or response_received_too_late. Therefore, if an AC does not get a response message for a transaction, they can retry the request with the same idempotency key, and are guaranteed that no more than one transaction would be posted.
All requests are required to be idempotent by default, by providing an idempotency_key: header in every request. This also serves as an implementation of transaction query.
\nAn idempotency key is a unique value generated by the AC which the server uses to recognize subsequent transaction retries of the same request. It is up to the AC to determine how these idempotency keys would be generated. Whatever it is, it must have enough entropy to avoid collisions.
\nIdempotency keys would never expire, so a new request that is generated if a key is reused outside of that time frame would fail.
\nOpen Banking API idempotency works by saving the resulting status code and body of the first request made for any given idempotency key, regardless of whether it succeeded or failed. Subsequent requests with the same key should return the same result, including Server (500) errors.
\nResults are only saved if an API endpoint started executing. If incoming parameters failed validation, or the request conflicted with another that was executing concurrently, no idempotent result is saved because no API endpoint began execution. It is safe to retry these requests.
\nThe following are links to other information or regulation necessary to have a complete understanding of the Nigerian open banking regulation, standards, and ecosystem:
\n* Central Bank of Nigeria regulatory framework for open banking in Nigeria [February 2021]
* Central Bank of Nigeria draft operational guidelines on open banking in Nigeria [May 2022]
These endpoints provide information about functions and services that are available from an API Provider. These would be available to API Consumers to make programmatic decisions which of the services can be made available to End Users.
\n","auth":{"type":"noauth","isInherited":false},"event":[{"listen":"prerequest","script":{"id":"be7b655e-e7b0-484a-bd80-bfa8afc0b858","type":"text/javascript","packages":{},"exec":[""]}},{"listen":"test","script":{"id":"802ea8dd-421e-4c40-ac08-e0547734e6f6","type":"text/javascript","packages":{},"exec":[""]}}],"_postman_id":"c6581cb2-3857-4736-8f2a-de8b7c510a6a"},{"name":"Consent","item":[{"name":"Initiate","id":"d65b15ad-1fe4-4e59-9f7b-5c86dc04eca5","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"basic","basic":{"basicConfig":[{"key":"username","value":"a2b61445-83c3-4366-871c-7d0cbbfee833"},{"key":"password","value":"FjsxBu7.y9BafOIXeaG3qckw_b"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/x-www-form-urlencoded","type":"text"},{"key":"connection_id","value":" CONN0987654321","type":"text"},{"key":"idempotency_key","value":" 1234567890987654321","type":"text"},{"key":"signature","value":"SHA-256({{YOUR_CLIENT_SECRET}} + “;” + idempotency_key)","type":"text"}],"body":{"mode":"urlencoded","urlencoded":[{"key":"client_id","value":"{{CLIENT_ID}}","type":"text"},{"key":"scope","value":"{{SCOPE_LIST}}","type":"text"},{"key":"account_number","value":"{{ACCOUNT_NUMBER}}","type":"text","description":"Extending OAuth convention to include this
\n","disabled":true},{"key":"target_connection_id","value":"CONN0987654321","type":"text","description":"Extending OAuth convention to include this
\n"}]},"url":"https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io/oauth2/device/code","description":"ACs will use this endpoint to submit a request for consent to an AP. APs would do the following:
\nConnect to the OBCMS or the target AP to retrieve a consent token on behalf of the End User
\nHold the consent token in trust and not share (yet) with the AC
\nInternally an Oauth compliant consent request workflow directly to the End User
\nACs will use this endpoint to submit the validation challenge to the AP. The AP will validate it and return to them a valid access_token. The access_token will be a JWT encoded value which will contain multiple data points include the encrypted consent_token received from the OBCMS
\n","urlObject":{"path":["oauth2","token"],"host":["https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io"],"query":[],"variable":[]}},"response":[{"id":"2cadd48d-f59c-4a4c-b44d-01c6cc602bd7","name":"Example","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/x-www-form-urlencoded","type":"text"},{"key":"connection_id","value":" CONN0987654321","type":"text"},{"key":"idempotency_key","value":" 1234567890987654321","type":"text"},{"key":"signature","value":"SHA-256({{YOUR_CLIENT_SECRET}} + “;” + idempotency_key)","type":"text"}],"body":{"mode":"urlencoded","urlencoded":[{"key":"client_id","value":"{{CLIENT_ID}}","type":"text"},{"key":"grant_type","value":"urn:ietf:params:oauth:grant-type:device_code","type":"text"},{"key":"device_code","value":"{{device_code}}","type":"text"},{"key":"user_code","value":"{{user_code}}","type":"text","uuid":"78238216-02f6-4cf5-8ee1-ec5c67b138f6"},{"key":"user_input","value":"{{user_input}}","description":"[Optional] to hold the OTP in the case of OTP consent_validation_method","type":"text","uuid":"ab9d3ec2-b9d1-43c1-8ff7-eff78a641671","disabled":true}],"options":{"raw":{"language":"json"}}},"url":"https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io/oauth2/token"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"","value":"","description":"","type":"text"},{"key":"Content-Type","value":"application/json","description":"","type":"text"}],"cookie":[],"responseTime":null,"body":"{\n \"access_token\":\"JWT().with(Header).with(Payload).sign(HMAC256(CLIENT_SECRET))\",\n /****\n header = {\n \"alg\": \"HS256\",\n \"typ\": \"JWT\"\n },\n payload = {\n \"sub\": \"cust_id_iut67\",\n \"name\": \"Uju Usman Abiola\",\n \"iat\": 1516239022,\n \"iss\": \"PART0987654321\", //participant_id of the AP\n \"exp\": 1716239022,\n \"aud\": \"CONN0987654322\", //connection_id of the AC/AP relationship\n \"jti\": \"AES-256-CBC(consent_token, SHA-256(CLIENT_SECRET))\" //the actual consent_token. \n }\n *****/\n \"refresh_token\":\"9761c228-d6a8-3faa-b1e3-885fa7128ab8\",\n \"scope\":\"accounts.list.readonly%20accounts.balance.readonly%20accounts.holds.create\",\n \"token_type\":\"Bearer\",\n \"expires_in\":3600\n}"}],"_postman_id":"dedc4723-69a8-4456-8f84-b0b0bb268e7a"},{"name":"Refresh the Token","id":"764ae80e-e7a1-4bc5-9576-cf477b335812","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"basic","basic":{"basicConfig":[{"key":"username","value":"a2b61445-83c3-4366-871c-7d0cbbfee833"},{"key":"password","value":"FjsxBu7.y9BafOIXeaG3qckw_b"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/x-www-form-urlencoded","type":"text"},{"key":"connection_id","value":" CONN0987654321","type":"text"},{"key":"idempotency_key","value":" 1234567890987654321","type":"text"},{"key":"signature","value":"SHA-256({{YOUR_CLIENT_SECRET}} + “;” + idempotency_key)","type":"text"}],"body":{"mode":"urlencoded","urlencoded":[{"key":"client_id","value":"{{CLIENT_ID}}","type":"text"},{"key":"grant_type","value":"refresh_token","type":"text"},{"key":"refresh_token","value":"{{refresh_token}}","type":"text"}]},"url":"https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io/oauth2/token","description":"ACs will use this endpoint to refresh a previously issued access_token. This access_token will only be refreshed if the underlying OBCMS-issued consent_token is still valid, otherwise a 400 status will be returned signaling to the AC to re-initiative consent request
\n","urlObject":{"path":["oauth2","token"],"host":["https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io"],"query":[],"variable":[]}},"response":[{"id":"125a234c-f47e-4703-b8eb-acfcd870076c","name":"Example","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/x-www-form-urlencoded","type":"text"},{"key":"connection_id","value":" CONN0987654321","type":"text"},{"key":"idempotency_key","value":" 1234567890987654321","type":"text"},{"key":"signature","value":"SHA-256({{YOUR_CLIENT_SECRET}} + “;” + idempotency_key)","type":"text"}],"body":{"mode":"urlencoded","urlencoded":[{"key":"client_id","value":"{{CLIENT_ID}}","type":"text"},{"key":"grant_type","value":"refresh_token","type":"text"},{"key":"refresh_token","value":"{{refresh_token}}","type":"text"}],"options":{"raw":{"language":"json"}}},"url":"https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io/oauth2/token"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"","value":"","description":"","type":"text"},{"key":"Content-Type","value":"application/json","description":"","type":"text"}],"cookie":[],"responseTime":null,"body":"{\n \"access_token\":\"JWT.create().withHeader(headerMap).withPayload(payloadMap).sign(HMAC256(secretKey))\",\n /****\n header = {\n \"alg\": \"HS256\",\n \"typ\": \"JWT\"\n },\n payload = {\n \"sub\": \"cust_id_iut67\",\n \"name\": \"Uju Usman Abiola\",\n \"iat\": 1516239022,\n \"iss\": \"PART0987654321\", //participant_id of the AP\n \"exp\": 1716239022,\n \"aud\": \"CONN0987654322\" //connection_id of the AC/AP relationship\n \"jti\": \"AES-256-CBC(consent_token, SHA-256(CLIENT_SECRET))\" //the actual consent_token. \n }\n *****/\n \"refresh_token\":\"9761c228-d6a8-3faa-b1e3-885fa7128ab8\",\n \"scope\":\"accounts.list.readonly%20accounts.balance.readonly%20accounts.holds.create\",\n \"token_type\":\"Bearer\",\n \"expires_in\":3600\n}"}],"_postman_id":"764ae80e-e7a1-4bc5-9576-cf477b335812"},{"name":"Revoke the Token","id":"0b5d8c6f-eb23-4c86-bbf9-49b19f32d321","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"basic","basic":{"basicConfig":[{"key":"username","value":"a2b61445-83c3-4366-871c-7d0cbbfee833"},{"key":"password","value":"FjsxBu7.y9BafOIXeaG3qckw_b"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/x-www-form-urlencoded","type":"text"},{"key":"connection_id","value":" CONN0987654321","type":"text"},{"key":"idempotency_key","value":" 1234567890987654321","type":"text"},{"key":"signature","value":"SHA-256({{YOUR_CLIENT_SECRET}} + “;” + idempotency_key)","type":"text"}],"body":{"mode":"urlencoded","urlencoded":[{"key":"client_id","value":"{{CLIENT_ID}}","type":"text"},{"key":"token","value":"{{access_or_refresh_token}}","type":"text"},{"key":"token_type_hint","value":"access_token","type":"text"}]},"url":"https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io/oauth2/revoke","description":"ACs will use this endpoint to submit a revocation request for an access_token that was previously issued. This will also invalidate the underlying consent_token that was previously approved. The AP will forward to the OBR to invalidate, and if successful, will invalidate the consent_token on its platform as well, and also forward to the OBR to invalidate as well.
\n","urlObject":{"path":["oauth2","revoke"],"host":["https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io"],"query":[],"variable":[]}},"response":[{"id":"61f90f82-5630-4c16-930e-fc3f0ff05d2e","name":"Example","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/x-www-form-urlencoded","type":"text"},{"key":"connection_id","value":" CONN0987654321","type":"text"},{"key":"idempotency_key","value":" 1234567890987654321","type":"text"},{"key":"signature","value":"SHA-256({{YOUR_CLIENT_SECRET}} + “;” + idempotency_key)","type":"text"}],"body":{"mode":"urlencoded","urlencoded":[{"key":"client_id","value":"{{CLIENT_ID}}","type":"text"},{"key":"token","value":"{{access_or_refresh_token}}","type":"text"},{"key":"token_type_hint","value":"access_token","type":"text"}],"options":{"raw":{"language":"json"}}},"url":"https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io/oauth2/revoke"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"","value":"","description":"","type":"text"},{"key":"Content-Type","value":"application/json","description":"","type":"text"}],"cookie":[],"responseTime":null,"body":""}],"_postman_id":"0b5d8c6f-eb23-4c86-bbf9-49b19f32d321"}],"id":"125f59e3-ec80-4c2e-a417-d1b16df37515","description":"The Nigeria Interbank Settlement System (NIBSS) would implement and manage the Open Banking Consent Management System (OBCMS) on behalf of the Central Bank of Nigeria and the industry. To ensure that there are multiple failover options, an opportunity will be provided to a handful of other CBN-licensed entities to operate backups of the OBCMS.
\nAll consent requests have to be transparently logged on the OBCMS and upon approval, or revocation, the OBCMS and the AP will sync the state of the consent.
\nAPs can implement the recommended consent management experience according to the laid down standard, or they can leverage the implementation that’s built directly into the OBCMS.
\nThe consent request and management workflow will be centered around the OAuth2 standard, with emphasis on a combination of RFC 8628, RFC 6749, and RFC 7009 implementations.
\nAPs may either implement their own consent management stack in compliance with the above, or they may rely on an existing implementation (leveraging iGree) that will be implemented on the OBCMS.
\n","auth":{"type":"noauth","isInherited":false},"event":[{"listen":"prerequest","script":{"id":"40846bf8-7f83-440c-9dd6-96da5d16824c","type":"text/javascript","packages":{},"exec":[""]}},{"listen":"test","script":{"id":"ac64ea1c-1b51-454c-89ca-3d799455dae4","type":"text/javascript","packages":{},"exec":[""]}}],"_postman_id":"125f59e3-ec80-4c2e-a417-d1b16df37515"},{"name":"Customer","item":[{"name":"Customer","id":"27f082fc-a2b5-4dce-8d44-91f863777128","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[]},"isInherited":false},"method":"GET","header":[{"key":"Content-Type","value":"application/json","type":"text"},{"key":"Authorization","value":" Bearer {{bearer_token}}","type":"text"},{"key":"idempotency_key","value":" 1234567890987654321","type":"text"},{"key":"signature","value":" SHA-256( + “;” + idempotency_key + “;” + {{bearer_token}})","type":"text"},{"key":"consent_token","value":"AES-256-CBC(consent_token, SHA-256(CLIENT_SECRET))","type":"text"}],"body":{"mode":"raw","raw":"","options":{"raw":{"language":"json"}}},"url":"https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io/customers","urlObject":{"path":["customers"],"host":["https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io"],"query":[],"variable":[]}},"response":[{"id":"dfba08d2-fabe-4eba-bd3f-e2c23e266779","name":"Example","originalRequest":{"method":"GET","header":[{"key":"Content-Type","value":"application/json","type":"text"},{"key":"Authorization","value":" Bearer {{bearer_token}}","type":"text"},{"key":"idempotency_key","value":" 1234567890987654321","type":"text"},{"key":"signature","value":" SHA-256( + “;” + idempotency_key + “;” + {{bearer_token}})","type":"text"},{"key":"consent_token","value":"AES-256-CBC(consent_token, SHA-256(CLIENT_SECRET))","type":"text"}],"url":"https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io/customers"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json","description":"","type":"text"}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"00\",\n \"message\": \"The process was completed successully\",\n \"data\": {\n \"customer_id\": \"1234567890\",\n \"first_name\": \"Ado\",\n \"middle_name\": \"John\",\n \"surname\": \"Sule\",\n \"gender\": \"M\",\n \"email\": \"adojohn@example.com\",\n \"bvn\": \"22112345678\",\n \"phone\": \"2347031234567\",\n \"image\": \"{{base64String2}}\",\n \"proof_of_id\": {\n \"document_type\": \"Driver's licence\",\n \"document\": \"{{base64String2}}\"\n },\n \"proof_of_address\": {\n \"document_type\": \"Utility bill\",\n \"document\": \"{{base64String2}}\"\n },\n \"address\": {\n \"street\": \"456 Johnson Street\",\n \"area\": \"Akobo\",\n \"city\": \"Ilesa\",\n \"local_government\": \"Ilesa West\",\n \"country\": \"NG\"\n },\n \"next_of_kin\": {\n \"first_name\": \"Ado\",\n \"middle_name\": \"John\",\n \"surname\": \"Sule\",\n \"gender\": \"M\",\n \"email\": \"adajoanne@example.com\",\n \"phone\": \"+2347031234567\",\n \"relationship\": \"Sibling\",\n \"address\": {\n \"street\": \"456 Johnson Street\",\n \"area\": \"Akobo\",\n \"city\": \"Ilesa\",\n \"local_government\": \"Ilesa West\",\n \"country\": \"NG\"\n }\n },\n \"custom_properties\": [\n {\n \"id\": \"Some random ID\",\n \"description\": \"Some random text\",\n \"type\": \"Some random type\",\n \"value\": \"Some value\"\n }\n ]\n }\n}"}],"_postman_id":"27f082fc-a2b5-4dce-8d44-91f863777128"},{"name":"Update Customer","id":"52545e12-aa30-48e1-8657-7155b42386a6","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[]},"isInherited":false},"method":"PATCH","header":[{"key":"Content-Type","value":"application/json","type":"text"},{"key":"Authorization","value":" Bearer {{bearer_token}}","type":"text"},{"key":"idempotency_key","value":" 1234567890987654321","type":"text"},{"key":"signature","value":" SHA-256( + “;” + idempotency_key + “;” + {{bearer_token}})","type":"text"},{"key":"consent_token","value":"AES-256-CBC(consent_token, SHA-256(CLIENT_SECRET))","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"first_name\": \"Ado\",\r\n \"middle_name\": \"John\",\r\n \"surname\": \"Sule\",\r\n \"gender\": \"M\",\r\n \"email\": \"adojohn@example.com\",\r\n \"bvn\": \"22112345678\",\r\n \"phone\": \"+2347031234567\",\r\n \"proof_of_id\": {\r\n \"document_type\": \"Driver's licence\",\r\n \"document\": \"{{base64String2}}\"\r\n },\r\n \"proof_of_address\": {\r\n \"document_type\": \"Utility bill\",\r\n \"document\": \"{{base64String2}}\"\r\n },\r\n \"address\": {\r\n \"street\": \"456 Johnson Street\",\r\n \"area\": \"Akobo\",\r\n \"city\": \"Ilesa\",\r\n \"local_government\": \"Ilesa West\",\r\n \"country\": \"NG\"\r\n },\r\n \"next_of_kin\": {\r\n \"first_name\": \"Ado\",\r\n \"middle_name\": \"John\",\r\n \"surname\": \"Sule\",\r\n \"gender\": \"M\",\r\n \"email\": \"adajoanne@example.com\",\r\n \"phone\": \"+2347031234567\",\r\n \"relationship\": \"Sibling\",\r\n \"address\": {\r\n \"street\": \"456 Johnson Street\",\r\n \"area\": \"Akobo\",\r\n \"city\": \"Ilesa\",\r\n \"local_government\": \"Ilesa West\",\r\n \"country\": \"NG\"\r\n }\r\n },\r\n \"custom_properties\": [\r\n {\r\n \"id\": \"Some random ID\",\r\n \"description\": \"Some random text\",\r\n \"type\": \"Some random type\",\r\n \"value\": \"Some value\"\r\n }\r\n ]\r\n }","options":{"raw":{"language":"json"}}},"url":"https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io/customers/{{customer_id}}","urlObject":{"path":["customers","{{customer_id}}"],"host":["https://666ab640-8d6a-491b-be32-e06642d051cf.mock.pstmn.io"],"query":[],"variable":[]}},"response":[{"id":"ba230797-cc27-42b0-9c60-5464a0e2705a","name":"Example","originalRequest":{"method":"PATCH","header":[{"key":"Content-Type","value":"application/json","type":"text"},{"key":"Authorization","value":" Bearer {{bearer_token}}","type":"text"},{"key":"idempotency_key","value":" 1234567890987654321","type":"text"},{"key":"signature","value":" SHA-256( + “;” + idempotency_key + “;” + {{bearer_token}})","type":"text"},{"key":"consent_token","value":"AES-256-CBC(consent_token, SHA-256(CLIENT_SECRET))","type":"text"}],"body":{"mode":"raw","raw":"{\r\n \"first_name\": \"Ado\",\r\n \"middle_name\": \"John\",\r\n \"surname\": \"Sule\",\r\n \"gender\": \"M\",\r\n \"email\": \"adojohn@example.com\",\r\n 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The API functionalities are independent of card programs or type. However, where the specific feature of a card program is not supported by the open banking standard, the API Provider may extend the functionalities via extension APIs.
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