> ## Documentation Index
> Fetch the complete documentation index at: https://holder.docs.fiskil.dev/llms.txt
> Use this file to discover all available pages before exploring further.

# Banking CDR reference

> Implement the required endpoints and payloads for CDR Banking on your Resource Server.

### Scope and responsibilities

Your `Resource Server` must expose the CDR Banking APIs and enforce scopes based on consented permissions. Fiskil issues and validates tokens and orchestrates user consent; your server returns customer and product data according to the CDR schema and version you target.

### Required endpoints

* Accounts: list, detail
* Balances
* Transactions: list, detail
* Direct Debits
* Scheduled Payments
* Payees
* Instalment Plans: per account, bulk

<Note>
  Compliance: Confirm required fields and versions with your regulator and the latest CDR standards. Align your `x-v` headers and error shapes to the market profile.
</Note>

### Common response fields

* id (stable, opaque)
* accountNumber (masked)
* productCategory
* balances.available, balances.current
* transactions.amount, description, postingDateTime

### Error model

Use typed errors with machine‑parseable codes and human‑readable messages. Include correlation IDs for traceability.

```json theme={null}
{
  "errors": [
    {
      "code": "invalid_scope",
      "title": "Insufficient permissions",
      "detail": "The token is missing the required scope for balances.read",
      "meta": { "correlationId": "3c5e4a9b" }
    }
  ]
}
```

### Example (OpenAPI excerpt)

```yaml theme={null}
paths:
  /v1/accounts/{accountId}/balances:
    get:
      security:
        - bearerAuth: []
      parameters:
        - in: header
          name: x-v
          required: true
          schema:
            type: string
          description: API version requested
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Balances'
        '403':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorList'
```