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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 & 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 & 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 & 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