Implement FDX-aligned data sharing for US open banking consumer data access

Steps

1. Register as a data recipient with the financial institution (FI) or data access network (e.g. Akoya, Finicity) that has adopted the FDX API standard; obtain OAuth 2.0 client credentials
2. Initiate the consent flow: construct an authorization request per the FDX consent model, specifying the requested data clusters (e.g. ACCOUNT_BASIC, ACCOUNT_DETAILED, TRANSACTIONS) and consent duration
3. Complete the OAuth 2.0 PKCE flow: redirect the user to the FI's authorization server, handle the callback, and exchange the code for tokens at the FI's token endpoint
4. Call the FDX-standardized endpoints: GET /fdx/v5/accounts for account list, GET /fdx/v5/accounts/{accountId} for details, and GET /fdx/v5/accounts/{accountId}/transactions with pagination parameters (offset, limit, startTime, endTime)
5. Honor consent lifecycle: respect the consentId returned during authorization, check consent status via GET /fdx/v5/consents/{consentId}, and cease data access when consent is revoked or expired