Strategy & architecture
Define the commercial and customer journeys, participant roles, target markets and integration boundaries. Inventory the estate and prioritize interfaces by value, risk and readiness.
Open Banking, API Ecosystems & Agentic AI
Open the ecosystem. Keep trust at the centre.
Connect customers, financial institutions and approved partners through purposeful APIs. Make banking information useful across channels while retaining clear consent, ownership and operating boundaries.
Permissioned accessHuman accountability
THE CONNECTED BANK01 / 07
From customer consent to banking APIs.
Select a stage to explore its purpose and controls.
Authorize with your bank
Conceptual ecosystem · access remains permissionedCustomers
Give customers a clear view of what information is shared, with whom and for what purpose. Design the permission journey alongside the API.
Consent, expiry and revocation
Explore at your pace
01 / THE OPEN BANKING ARCHITECTURE
See the bank.
See every connection.
Follow the path from a customer’s permission to a protected banking API. This Genellipse reference design makes the trust boundary, authorization services and integration with established banking systems visible.
Swipe or scroll sideways to follow the complete diagram.
BANK TRUST BOUNDARY · ASPSP
CUSTOMER · PSU
Owns the decisionChoose the purpose, accounts and permissions.
THIRD-PARTY PROVIDER
AISP / PISPAccount information or payment initiation app.
HTTPS · JSONAUTHORIZATION SERVER
Authenticate & authorizeBank login · required SCA
OAuth 2.0 / OIDCCONSENT SERVICE
Manage permissionScope · accounts · validity
Revocation · payment consent
ECOSYSTEM TRUST
Validate participantsRegistration · certificates
Applicable trust framework
API SECURITY BOUNDARY
Gateway & policyValidate token and consent.
Enforce scope and rate limits.
mTLS / required profile
RESOURCE SERVER
Banking APIsGET /accountsGET /…/transactionsPOST /domestic-paymentsINTEGRATION SERVICES
Protect the coreAdapters · orchestration
Events · controlled batch
Versioned contracts
SYSTEMS OF RECORD
Core banking & ledgerAccounts · balances · postings
PAYMENT EXECUTION
Payment systemsRails · status · reconciliation
Responses return through the same controlled path. The third-party app never connects directly to the banking core.
API and data pathIdentity and consentCore integration and execution
Genellipse’s roleDesign the API contracts, integrate the bank’s services, implement controls and test the complete customer journey with your teams.
Implementation contextA simplified UK-style reference. Components may be distributed differently; security profiles, participant eligibility and legal requirements depend on the market.
02 / FOLLOW THE API CALLS
From permission
to a real banking action.
Read the sequence from top to bottom. Select any arrow to inspect that exchange. These simplified redirect journeys use UK Open Banking endpoint examples; response messages are summarized in the explanation.
Swipe or scroll sideways to follow the complete diagram.
01CustomerPSU
02Account providerAISP
03Bank authorizationAuthorization server
04Banking APIsResource server
01 / 07
Choose account sharing
The customer asks the provider for an account-based service.
Consent, tokens and permissioned resources have separate roles. Bank credentials stay in the bank’s authentication journey.
View the official API sequence03 / WHERE AI FITS
Intelligence above the APIs.
Control at every boundary.
A Genellipse integration pattern for Cortex AI OS and MCP. Agents receive a bounded toolset; bank APIs retain their authorization and consent checks. The model does not become the authority to move money.
Cortex AI OSIllustrative governed cash-flow workflow
One business objective
“Explain my cash position and prepare a payment proposal.”
Customer or authorized employeeBOUNDED AGENT RESPONSIBILITIES
Cash-flow agentAnalyze permitted balances and transactions.
Evidence agentTrace the recommendation to source data.
Workflow agentPrepare the next action for review.
MCP tool boundary
read_cash_position()prepare_payment_proposal()Validate tool inputs, caller identity and resource permissions.
Illustrative tool namesPolicy and human authorization
Constrain data exposure, log tool use and require the appropriate human and bank authorization before a consequential action.
Authorized API adapterSeparate downstream credentials
Bank API gatewayToken · consent · scope checks
Banking servicesCore records · payments · status
No token passthroughNo direct model-to-core accessCorrelated audit evidence
Useful starting pointBegin with read-only insight, prove data quality and permission handling, then introduce reviewed actions with explicit acceptance criteria.
How Genellipse helpsMap the workflow, build adapters and bounded tools, evaluate agent behavior, and establish monitoring, escalation and operating ownership.
OPEN BANKING WITH AN OPERATING MODEL
From an API strategy
to a service people can use.
Banking transformation spans customer experience, established systems, partner relationships and the responsibilities of a regulated institution. Genellipse brings process design, engineering, data, AI and security together around a practical implementation.
We help define what should be exposed, who may use it, how it should behave and who owns the result. Start with a valuable journey, validate its controls and expand with evidence.
API engineering & lifecycle
Design OpenAPI contracts, resource models, pagination, versioning and predictable errors. Implement gateway policies, contract testing, safe retries and idempotency for relevant state-changing operations.
Legacy & batch integration
Connect supported core interfaces, adapters, files and events. Account for batch cut-offs, stale data, dependencies and vendor limits. Reconcile parallel runs before retiring an existing path.
Consent & partner experience
Build purpose-specific authorization journeys, permission dashboards and revocation handling. Define partner registration, sandbox testing and approval gates appropriate to the target ecosystem.
Agentic AI & MCP engineering
Package approved API operations as narrow tools. Define agents, solution packs and applications around specific tasks, with evaluations, permission boundaries, human approvals and operational ownership.
Security, resilience & operations
Threat-model the full journey, test access boundaries and recovery, and configure monitoring. Deliver key and certificate lifecycle procedures, incident runbooks, support responsibilities and release controls.
EIGHT PRACTICAL BANKING JOURNEYS
Useful AI starts with useful work.
Explore illustrative workflows, the controls they need and the measures that make progress visible. These examples describe potential engagement scopes.
Account servicing
Answer with the right account context.
The business issue
Service teams navigate multiple screens to explain transactions, fees or account status.
How Genellipse can help
An approved assistant retrieves permitted account and transaction data, prepares a source-linked explanation and routes disputed or incomplete information to the right team.
- 01Identify the customer
- 02Check scope and consent
- 03Retrieve account evidence
- 04Prepare the explanation
- 05Resolve or escalate
Control and accountability
Identity and record-level access are checked before retrieval. The assistant cannot change account entitlements or move money.
Measures of progress
Handling time, first-contact resolution, correction rate and unauthorized-access test results.
SECURITY IS PART OF THE DESIGN
Every connection
has a responsibility.
Genellipse works with your security, risk and engineering teams to turn controls into implementation requirements, test evidence and operating procedures.
Authorize each boundary
Distinguish customer consent, client authentication, user authority and account-level access. Apply the required OAuth and financial-grade profile, including sender-constrained tokens where the profile requires them.
Protect sensitive information
Minimize payloads and model context. Design encryption, secret handling, key rotation, masking, residency and retention around the bank’s data classification and approved providers.
Constrain agents and tools
Allowlist tools and destinations, validate schemas and keep credentials outside prompts. Treat documents and tool responses as untrusted. Test prompt injection, data leakage and attempts to bypass approval.
Protect money-moving actions
Keep transaction authorization outside the model. Enforce limits, separation of duties and customer confirmation where required. Handle idempotency, replay, status uncertainty and reconciliation explicitly.
Design for failure
Use timeouts, circuit breakers and bounded retries appropriate to the operation. Make stale or incomplete data visible. Test dependency outages, recovery, revocation and operational fallback.
Keep evidence connected
Correlate the initiating identity, consent reference, API calls, agent version, source evidence, approvals and outcome. Redact sensitive logs and apply access and retention controls.
Standards are selected for the ecosystem.
UK Open Banking’s published security profile and the OpenID Foundation’s FAPI 2.0 specification are distinct implementation references. Confirm the required profile, version and conformance process for each market. MCP authorization complements these boundaries; it does not replace banking consent or payment authorization.
Read the primary standardsTHE GENELLIPSE ECOSYSTEM
Connect capabilities
around the banking journey.
We assess product and connector fit alongside your existing tools. The agreed scope defines available configurations, integration work and operating responsibilities.
Agent orchestration & control
Shape approved agents, solution packs and internal applications around banking tasks. Define tool access, evaluation, human review and operational ownership, including for compatible third-party agents.
Explore productTrusted data foundations
Support reconciled inputs, source mapping and data-quality workflows so downstream APIs and AI use information with an understood origin, freshness and access boundary.
Explore productSecurity architecture
Assess the fit for access, risk and security workflows alongside the bank’s existing identity, API protection and monitoring systems.
Explore productGovernance evidence
Support the agreed control evidence, review and accountability workflow. Map obligations with the bank’s risk and legal teams; regulatory approval remains a separate process.
Explore productOperational insight
Track adoption, exceptions, service performance and operating cost against an agreed baseline. Distinguish process capacity released from expenditure actually avoided.
Explore productPARTNERSHIP THROUGH IMPLEMENTATION
A focused MVP within six weeks.
Agree one workflow, selected interfaces and clear acceptance criteria. The schedule begins when access, test environments and critical dependencies are ready. Wider rollout follows a separate plan.
- 01
Discover & agree
Weeks 1–2: confirm the journey, legal and operating context, interfaces, consent design, baseline and acceptance criteria.
Approved scope and readiness - 02
Connect & configure
Weeks 2–4: implement the selected APIs and adapters, connect permitted tools and configure workflow permissions in a representative environment.
Contract and integration tests - 03
Validate & rehearse
Weeks 3–5: exercise normal paths, expired consent, duplicate requests, model errors, failed dependencies and recovery.
Business and security acceptance - 04
Release & hand over
Weeks 5–6: complete the agreed MVP release, monitoring, runbooks and training. Wider rollout follows the bank’s approval and change process.
Named owners and rollout decision
What your team receives
- Architecture, interface inventory and API contracts
- Selected integrations and a reviewable banking workflow
- Consent, tool permissions and approval design
- Evaluation, reconciliation and recovery evidence
- Monitoring, runbooks and operational handover
What we agree together
Your bank nominates business, engineering, risk and security owners; provides permitted test access and representative data; and approves acceptance and change decisions. Genellipse coordinates delivery with named responsibilities and regular evidence-based reviews.
External approvals, unsupported connectors and broader core migrations are planned explicitly. A full Open Banking program can extend beyond the first MVP.
MAKE THE BUSINESS CASE TESTABLE
Model the opportunity.
Then measure the result.
This illustrative capacity model uses your assumptions. It is not a Genellipse performance claim, price quote or guaranteed saving.
ILLUSTRATIVE ANNUAL OPPORTUNITY
220,000Net capacity value, in your currency- Monthly hours released
- 667
- Annual gross capacity value
- 280,000
- Annualized cost included
- 60,000
Capacity value is not automatically cash saved. Include integration, licensing, model usage, review, change management and support in the cost assumption. Confirm whether released time can be redeployed or expenditure avoided.
Calculation: monthly cases × minutes reduced ÷ 60 × hourly cost × 12, less annualized implementation and running cost. Negative time reductions are treated as zero capacity released.
COMMON QUESTIONS
Details that help
you decide.
Explore the scope, practical considerations, and a useful starting point for your team.
Do we have to replace our core banking system?
Not necessarily. We first assess supported interfaces, batch processes, vendor permissions and operational constraints. A phased API layer can extend a viable core; replacement is considered where controls, economics or technical limits make extension unsuitable.
How do Open Banking, OpenAPI and MCP differ?
Open Banking concerns permissioned banking data and services within a defined ecosystem. OpenAPI describes HTTP API contracts. MCP lets compatible AI applications discover and use exposed tools and resources. They can work together, but none substitutes for the bank’s authorization and transaction controls.
Can we use our existing AI provider or bring our own agents?
Yes, the design can evaluate existing models and compatible agents alongside Cortex AI OS. Confirm tool support, identity propagation, data handling, deployment constraints and evaluation evidence before approving an integration. An OpenAI model is one possible provider choice, not a requirement for Open Banking.
Will an AI agent be able to initiate payments?
Only within an explicitly approved architecture and participant role. Separate recommendation from execution. Any money-moving capability needs the applicable customer and bank authorization, transaction limits, access controls and reconciliation. The initial MVP can remain read-only.
Does MCP make a banking integration secure automatically?
No. MCP needs a secure implementation, narrowly scoped tools and validated authorization. Banking APIs must independently enforce their own permissions. Do not pass an incoming MCP access token unchanged to a downstream banking API; use the appropriate downstream authorization flow.
Which countries and standards does the service cover?
Discovery identifies the target market, participant role and applicable API, security and customer-experience requirements. UK Open Banking, European frameworks and other market ecosystems differ. We agree the relevant profiles, versions and conformance work rather than assuming one implementation qualifies everywhere.
What can be delivered within six weeks?
A focused MVP for one agreed journey, such as a read-only servicing assistant or a reconciliation investigation flow, with selected interfaces, validation evidence and an operating handover. Access, test environments, owners and dependencies must be ready. A full banking transformation or external authorization can require a longer program.
How will we demonstrate value?
Establish a baseline for the chosen workflow, then compare handling time, exceptions, quality and total operating cost. Include implementation, integration, licensing, model usage, human review and support. Publish measured results only after the bank approves the evidence.
PRIMARY TECHNICAL REFERENCES
Grounded in the standards.
References reviewed on 6 October 2026. Applicable versions and market requirements are confirmed during discovery. This service page does not imply certification or authorization by these organizations.
Open Banking API specificationsAccount information, payment initiation, participant registration and related API specifications.UK Open Banking security profileThe UK profile describes its adopted FAPI requirements. Confirm the required version for the implementation.OpenID Foundation: FAPI 2.0A financial-grade OAuth security profile. Its availability does not mean every banking ecosystem has adopted it.MCP authorization specificationAuthorization boundaries for HTTP-based MCP implementations.MCP security best practicesGuidance on token handling, consent, scope minimization and other MCP-specific risks.UK Open Banking — account information sequenceAccount consent, customer authorization and permissioned resource access.UK Open Banking — payment initiation sequencePayment consent, authorization, submission and status.OpenID Foundation — Open Banking architecture recommendationsAn opinionated reference for ecosystem trust, consent, identity and API security; not a universal implementation mandate.
LET’S DESIGN YOUR FIRST JOURNEY
Bring your banking challenge.
Build the next step with Genellipse.
Start with your current systems, your operating priorities and the outcome you want to improve.
Discuss Open Banking with us