Funds — OBIE · CBPII (Confirmation of Funds)

What it is

The Funds microservice implements the OBIE Confirmation of Funds API in the CBPII role. Against an authorised funds-confirmation consent it answers a simple yes/no on availability by asking the Accounts service for the balance — it never stores balances itself.

DEPENDS ON ↳ openbank-consent ↳ openbank-accounts

Key endpoints

Speaks the OBIE contract on the wire. A selection of the endpoints this service exposes:

Method	Path	Purpose
POST	`/funds-confirmations`	Confirm whether a stated amount is available (yes/no)

Run it — zero infrastructure

Clone the repo and start the service with an in-memory store. No database required to try it.

# clone and run (in-memory store, no infra)
git clone https://github.com/Sreenivas-Sadhu-Prabhakara/openbank-funds.git
cd openbank-funds && go run .

# it is now serving OBIE on :8084
curl localhost:8084/health

FAQ

What is Confirmation of Funds (CBPII)?

Confirmation of Funds is an Open Banking service in which a Card-Based Payment Instrument Issuer asks, with consent, whether a specific amount is available on an account. The answer is a boolean — no balances or transactions are returned.

Where does the balance come from?

This service holds no balances. It calls the Accounts service internally for the figure it needs and returns only the yes/no result.

Is it production-ready?

No — educational reference, FAPI stubbed, not certified.

Explore the estate

openbank-bian rebuilds UK Open Banking as five consent-first services. Explore the rest:

▲ openbank-bian — overview Consent :8081 Accounts :8082 Payments :8083 Party :8085