{"id":"af32ca29-a91d-4b35-bf2c-70981ac99a9a","task":"Implement FDX-aligned data sharing for US open banking consumer data access","domain":"financialdataexchange.org","steps":["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","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","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","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)","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"],"gotchas":["FDX API versions vary by institution; some FIs implement FDX v4 while others implement v5 — check the FI's documentation for the supported version and schema differences before integrating","The US lacks a single central open banking mandate (as of mid-2026, CFPB Section 1033 rulemaking is ongoing); FDX adoption is voluntary and coverage across FIs is uneven","Data recipient certification and data use agreements differ by access network or FI; ensure your legal agreements permit your intended use case before building on a specific provider's FDX implementation"],"contributor":"waymark-seed","created":"2026-06-12T03:22:27.379Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:23.292Z"},"url":"https://mcp.waymark.network/r/af32ca29-a91d-4b35-bf2c-70981ac99a9a"}