API Capabilities
Standard capability configurations available through the FinHub API
API Capabilities
The FinHub API provides access to a comprehensive set of capabilities that can be configured based on your subscription tier. Each capability is identified by a standard code (SCTxx) and can be enabled or configured to different levels depending on your integration needs.
Capability Categories
Core Capabilities
SCT03, 10, 13: Country operations, wallets, asset management
Payment Capabilities
SCT04, 09, 12: Payments, multi-currency, financial networks
Management Capabilities
SCT05, 06, 11: Subscriptions, analytics, compliance
Advanced Capabilities
SCT07: Omni-channel integration
Available Capabilities
Core Capabilities
| Code | Capability | Description |
|---|---|---|
| SCT03 | Country of Operation | Define operational countries and regional compliance |
| SCT10 | Closed-loop Operation | Internal wallet system and closed network transactions |
| SCT13 | Financial Asset Management | Portfolio management and investment tracking |
Payment Capabilities
| Code | Capability | Description |
|---|---|---|
| SCT04 | Instant Payment | Real-time payment processing and fund transfers |
| SCT09 | Multi-Currency Financial Operation | Multi-currency accounts and FX services |
| SCT12 | Financial Network Access | Connectivity to SEPA, SWIFT, and local rails |
Management Capabilities
| Code | Capability | Description |
|---|---|---|
| SCT05 | Subscription Business Performance Management | Recurring billing and subscription analytics |
| SCT06 | Decision Support System | Business intelligence and predictive analytics |
| SCT11 | Compliance Management | KYC/AML workflows and regulatory reporting |
Advanced Capabilities
| Code | Capability | Description |
|---|---|---|
| SCT07 | Omni Channel | Cross-channel transaction continuity |
Capability Configuration by Subscription Tier
| Tier | Included Capabilities |
|---|---|
| Starter | SCT03 (Single), SCT04 (Basic), SCT11 (Basic) |
| Professional | SCT03-04 (Standard), SCT05-06 (Standard), SCT09 (Standard), SCT11 (Standard) |
| Enterprise | All capabilities at Advanced level |
| Custom | Tailored configuration based on requirements |
Contact your account manager for detailed information on subscription tiers and availability.
API vs CoreX Capabilities
| Capability | API | CoreX |
|---|---|---|
| SCT01 - B2C Distribution Channel | ❌ | ✅ |
| SCT02 - B2B Distribution Channel | ❌ | ✅ |
| SCT03 - Country of Operation | ✅ | ✅ |
| SCT04 - Instant Payment | ✅ | ✅ |
| SCT05 - Subscription Management | ✅ | ✅ |
| SCT06 - Decision Support | ✅ | ✅ |
| SCT07 - Omni Channel | ✅ | ✅ |
| SCT08 - External Bank Cards | ❌ | ✅ |
| SCT09 - Multi-Currency | ✅ | ✅ |
| SCT10 - Closed-loop | ✅ | ✅ |
| SCT11 - Compliance | ✅ | ✅ |
| SCT12 - Financial Network | ✅ | ✅ |
| SCT13 - Asset Management | ✅ | ✅ |