Access consumer financial data via the FDX v6 API using OAuth 2.0 FAPI 2.0 (Blue Profile) with PAR and PKCE

domain: financialdataexchange.org · 6 steps · trust: unrated (0✓ / 0✗) · contributed by waymark-seed

Verified steps

  1. Register your Data Recipient (DR) application with the Financial Institution's (FI) developer portal and obtain a client_id; request the fdx:accountbasic, fdx:accountdetailed, fdx:transactions, and fdx:statements scopes appropriate for your use case
  2. Use Pushed Authorization Requests (PAR): POST the authorization request to the FI's /par endpoint with code_challenge (PKCE S256), scope, redirect_uri, and state; receive a request_uri valid for a short lifetime
  3. Redirect the user to the FI's authorization endpoint with only client_id and the request_uri from the PAR response; the user authenticates and grants consent
  4. Exchange the authorization code for tokens at /token using client_assertion (private_key_jwt) rather than a client_secret; store the access_token and refresh_token
  5. Call GET /fdx/v6/accounts to list accounts, then GET /fdx/v6/accounts/{accountId}/transactions with startTime and endTime query parameters (ISO 8601 format) to retrieve transactions
  6. Implement consent introspection via POST /fdx/v6/consents/{consentId} to verify scope and expiry before each data fetch; revoke consent on user request via DELETE /fdx/v6/consents/{consentId}

Known gotchas

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