CAP-061 — Commercial API programme & developer portal

Category	Open Banking
Business goal	BG-013
Satisfying module	MOD-061 Open Banking API gateway
Mode	GATE
BD owner	BD06 Payments
Human needed	No

A tiered commercial API access programme allowing approved fintechs and enterprise customers to access bank infrastructure (account data, payment initiation, identity verification) under a paid commercial agreement. API subscribers authenticate via API keys issued through MOD-061; all access is gated on consent scope and rate limits. Developer documentation and sandbox access are provided via the developer portal.