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Secure APIs with FAPI Compliance

Ensure regulatory compliance and protect sensitive APIs using SecureAuth’s Financial-grade API (FAPI)–ready authorization server.

Common challenges​

  • APIs in regulated industries face threats like token theft, unauthorized access, and replay attacks.
  • Compliance with newly mandated FAPI security profiles in Open Banking, Open Finance, and Open Data initiatives is now a legal requirement in many regions.
  • Regulations across the globe mandate advanced security controls and interoperability standards, including:
    • PSD2 (EU) – Payment Services Directive 2 requires Strong Customer Authentication and secure API access for financial data sharing.
    • UK Open Banking – Standardized APIs and FAPI compliance for regulated data exchange between banks and third parties.
    • Brazil Open Finance – Expands Open Banking to cover broader financial products with strict FAPI and consent management requirements.
    • Australia’s Consumer Data Right (CDR) – Mandates consumer-controlled data sharing with certified data recipients under FAPI standards.
    • Canada’s Consumer-Driven Banking – Emerging framework aligning with FAPI for secure data portability.
    • Chile and Mexico Open Banking – National initiatives requiring secure APIs for financial data sharing, increasingly aligned with FAPI profiles.
  • Many API security solutions lack the built-in capabilities to meet FAPI Baseline and Advanced requirements without costly and complex custom development.

SecureAuth capabilities​

Accelerated FAPI compliance

Pre-configured FAPI 1.0/2.0 profiles reduce setup time and ensure regulatory alignment.

Regulation-ready authentication

Adaptive MFA, biometrics, and passkeys to meet Strong Customer Authentication (SCA) standards.

Third-party consent management

Capture, store, and enforce explicit user consent with full audit trails and revocation controls.

End-to-end request protection

Secure request parameters with JWT Secured Authorization Requests (JAR) and Pushed Authorization Requests (PAR).

Proof-of-possession tokens

Bind tokens to clients or devices using Mutual TLS (mTLS), DPoP, and token binding.

Client trust and attestation

Enforce trust with client attestation, DCR policies, and software statement verification via JARM-secured responses.

API authorizer

Integrate as a Policy Decision Point (PDP) with any API gateway for FAPI-compliant access control.

Metrics and compliance analytics

Monitor API uptime and FAPI compliance with real-time dashboards and exportable audit events.

Key benefits​

✔ Stay ahead of global Open Banking, Open Finance, and Open Data compliance mandates
✔ Reduce compliance costs for PSD2, CDR, and similar frameworks
✔ Block token theft, impersonation, and replay attacks
✔ Accelerate time to market with built-in, tested security profiles
✔ Build trust with customers, regulators, and partners through stronger API security

Industries
  • Financial services. Banks and fintech platforms requiring regulatory compliance
  • Healthcare and insurance. Organizations with APIs handling sensitive personal data
  • Data-sharing platforms. Third-party services facilitating secure data exchange
  • Open Banking ecosystems. Participants in Open Banking, CDR, and similar frameworks
  • Security-focused organizations. Companies aiming to strengthen overall API security posture