Description
Link
API description in OpenAPI Specification format
Export of API description in Excel format
Diff Report: 2025.06.0 to v2.0.1
Usage
|
openapi: 3.0.1
info:
title: Ozone Connect - Bank Products Data
contact:
name: Ozone Financial Technology Limited
description: >
This document provides an API description in [OpenAPI](https://spec.openapis.org/oas/v3.0.1.html)
for Bank Product Data APIs for Ozone Connect.
These APIs should be implemented by an financial institution so that Ozone
can expose the API operations to TPPs.
#### Implementer Notes
Implementers should note that this API prescribes a positive response for correctly executed
operations including those where no data is returned. This is consistent with the general principles
of REST.
Please refer to the API Hub documentation for details of test cases that are
available for this API using the Ozone Connect test suite.
### Versioning
The `version` property implements the following pattern
`{standards-major}.{standards-minor}.{ozone-connect-version}`, where:
* `standards-major` is the major version of the latest UAE standard that the API description implements.
* `standards-minor` is the minor version of the latest UAE standard that the API description implements.
* `ozone-connect-version` is the version of the Ozone Connect API description.
So, for example, `v2.0.1` indicates the first version of the Ozone Connect API description that implements the UAE
standard version 2.0.
### v2.0.1
* Added new error code structures supported from version 2.0 onwards.
* Changed requirement for `x-fapi-customer-ip-address` header field to `true`
* Removed version history prior to this version to prevent bloat of OpenAPI description.
version: v2.0.1
servers:
- url: https://<your-ozone-connect-server>
tags:
- name: Products
description: Product resource
- name: Leads
description: Lead resource
security:
- {}
- OzoneConnectApiKey: []
- OzoneConnectClientCredentials:
- placeholder
- OzoneConnectJwtAuth: []
paths:
/products:
get:
tags:
- Products
operationId: GetProducts
summary: Retrieve Products
description: Retrieve all Products
parameters:
- name: ProductCategory
in: query
description: Filter by product category
required: false
schema:
type: string
enum:
- SavingsAccount
- CurrentAccount
- CreditCard
- Loan
- Mortgage
- name: IsShariaCompliant
in: query
description: Filter by Sharia compliance
required: false
schema:
type: boolean
- name: LastUpdatedDateTime
in: query
description: Filter by last updated date time
required: false
schema:
type: string
format: date-time
- name: SortOrder
in: query
description: Order of sorting the results
required: false
schema:
type: string
enum:
- asc
- desc
default: asc
- name: SortField
in: query
description: Field to sort the results by
required: false
schema:
type: string
enum:
- LastUpdatedDateTime
- ProductId
default: LastUpdatedDateTime
- $ref: '#/components/parameters/providerId'
- $ref: '#/components/parameters/callerOrgId'
- $ref: '#/components/parameters/callerClientId'
- $ref: '#/components/parameters/callerSoftwareStatementId'
- $ref: '#/components/parameters/apiUri'
- $ref: '#/components/parameters/apiOperation'
- $ref: '#/components/parameters/callerInteractionId'
- $ref: '#/components/parameters/ozoneInteractionId'
- $ref: '#/components/parameters/page'
- $ref: '#/components/parameters/page-size'
- $ref: '#/components/parameters/x-fapi-customer-ip-address'
responses:
'200':
description: The request has succeeded.
content:
application/json:
schema:
$ref: '#/components/schemas/ProductResponse'
'400':
$ref: '#/components/responses/BadRequestResponse'
'401':
$ref: '#/components/responses/NotAuthorizedResponse'
'403':
$ref: '#/components/responses/ForbiddenResponse'
'500':
$ref: '#/components/responses/InternalServerErrorResponse'
default:
$ref: '#/components/responses/errorResponse'
/leads:
post:
tags:
- Leads
summary: Create a Lead
description: |
Create a Lead
operationId: CreateLead
parameters:
- $ref: '#/components/parameters/providerId'
- $ref: '#/components/parameters/callerOrgId'
- $ref: '#/components/parameters/callerClientId'
- $ref: '#/components/parameters/callerSoftwareStatementId'
- $ref: '#/components/parameters/apiUri'
- $ref: '#/components/parameters/apiOperation'
- $ref: '#/components/parameters/callerInteractionId'
- $ref: '#/components/parameters/ozoneInteractionId'
- $ref: '#/components/parameters/x-fapi-customer-ip-address'
requestBody:
description: |
Request Body
content:
application/json:
schema:
$ref: '#/components/schemas/LeadRequest'
responses:
'201':
$ref: '#/components/responses/201LeadResponse'
'400':
$ref: '#/components/responses/BadRequestResponse'
'401':
$ref: '#/components/responses/NotAuthorizedResponse'
'403':
$ref: '#/components/responses/ForbiddenResponse'
'500':
$ref: '#/components/responses/InternalServerErrorResponse'
default:
$ref: '#/components/responses/errorResponse'
components:
schemas:
ProductResponse:
type: object
description: |
Product Response
properties:
data:
description: |
Products response
type: array
items:
type: object
required:
- LFIId
- LFIBrandId
- Products
properties:
LFIId:
type: string
description: The unique identifier for the LFI within the CBUAE ecosystem
LFIBrandId:
type: string
description: The unique identifier for the LFI Brand within the CBUAE ecosystem
Products:
type: array
description: The Product array can contain one or more products associated to a single LFI
items:
$ref: '#/components/schemas/Product'
Product:
type: object
description: The Product information
required:
- ProductId
- ProductName
- ProductCategory
properties:
ProductId:
type: string
description: >-
A data holder specific unique identifier for this product. This identifier must be unique to a product but
does not otherwise need to adhere to ID permanence guidelines.
ProductName:
type: string
description: The display name of the product.
example: Savings Account
ProductCategory:
type: string
description: The type of Banking product
enum:
- SavingsAccount
- CurrentAccount
- CreditCard
- Loan
- Mortgage
Description:
description: >-
A human-readable description of the product that can be displayed to the User for marketing and information
purposes.
type: string
EffectiveFromDateTime:
description: >-
The date and time from which this product is effective (i.e. is available for origination). Used to enable
the articulation of products to the regime before they are available for customers to originate.
type: string
format: date-time
EffectiveToDateTime:
description: >-
The date and time at which this product will be retired and will no longer be offered. Used to enable the
managed deprecation of products.
type: string
format: date-time
LastUpdatedDateTime:
description: >-
The last date and time that the information for this product was changed (or the creation date for the
product if it has never been altered).
type: string
format: date-time
IsShariaCompliant:
type: boolean
description: Indicates whether the product is Sharia-compliant.
ShariaInformation:
type: string
description: The description of the Sharia compliance information.
IsSalaryTransferRequired:
type: boolean
description: >-
Does the Consumer need to pay their salary into a current account provided by the LFI to be able to open
this product.
Links:
$ref: '#/components/schemas/Links'
Eligibility:
$ref: '#/components/schemas/Eligibility'
Channels:
type: array
items:
$ref: '#/components/schemas/Channel'
Product:
$ref: '#/components/schemas/ProductDetails'
Links:
description: Links to the Product details
type: object
properties:
ApplicationUri:
description: A link to apply for the product.
type: string
format: uri
ApplicationPhoneNumber:
description: A phone number to apply for the product.
type: string
ApplicationEmail:
description: An email address to apply for the product.
type: string
ApplicationDescription:
description: >-
A free text description of the application process for the product, with ways to contact the LFI if
applicable.
type: string
KfsUri:
description: A link to the Key Facts Statement for the product
type: string
format: uri
OverviewUri:
description: A link to a general overview of the product.
type: string
format: uri
TermsUri:
description: A link to the Terms and conditions for the product.
type: string
format: uri
FeesAndPricingUri:
description: A link to the Fees and Pricing for the product.
type: string
format: uri
ScheduleOfChargesUri:
description: A link to the Schedule of Charges for the product.
type: string
format: uri
EligibilityUri:
description: A link to the Eligibility for the product.
type: string
format: uri
CardImageUri:
description: A link to the Card Image for the product.
type: string
format: uri
Eligibility:
type: object
description: |
The eligibility criteria for the product.
properties:
ResidenceStatus:
description: |
The residence statuses of the User - that are eligible for the product.
type: array
items:
type: object
properties:
Type:
type: string
description: |
The type of residence status eligible for the product.
enum:
- UaeResident
- ExpatriatesResident
- GCCNational
- NonUaeResident
Description:
type: string
description: |
The description of the residence status eligible for the product.
example:
- Type: UaeResident
Description: A person who is a resident of the United Arab Emirates.
EmploymentStatus:
description: |
The employment statuses of the User - that are eligible for the product.
type: array
items:
type: object
properties:
Type:
type: string
description: |
The type of employment status eligible for the product.
enum:
- Salaried
- NonSalaried
- EligibleEmployer
- SelfEmployed
- Unemployed
- MinimumSalary
Description:
type: string
description: |
The description of the employment status eligible for the product.
CustomerType:
description: |
The customer types of the User - that are eligible for the product.
type: array
items:
type: object
properties:
Type:
type: string
description: |
The type of customer type eligible for the product.
enum:
- Retail
- SME
- Corporate
- New
- Existing
Description:
type: string
description: |
The description of the customer type eligible for the product.
AccountOwnership:
description: |
The account ownership types of the User - that are eligible for the product.
type: array
items:
type: object
properties:
Type:
type: string
description: |
The type of account ownership eligible for the product.
enum:
- Individual
- Joint
- Multi
Description:
type: string
description: |
The description of the account ownership eligible for the product.
Age:
description: |
The age of the User - that are eligible for the product.
type: array
items:
type: object
properties:
Type:
type: string
description: The type of age eligibility criteria.
enum:
- MinimumAge
- MaximumAge
Description:
type: string
description: The description of the age eligibility criteria.
Value:
type: number
description: The value of the age eligibility criteria.
AdditionalEligibility:
description: |
Additional eligibility criteria for the product.
type: array
items:
type: object
properties:
Type:
type: string
enum:
- Student
- UaeArmedForces
- TimeInCountry
- Other
description: The type of eligibility criteria.
Description:
type: string
description: The description of the eligibility criteria.
Channel:
type: object
description: |
The channels through which the User can use the product.
properties:
Type:
type: string
description: |
The type of channel through which the User can use the product.
enum:
- Phone
- Internet
- MobileApp
- Branch
- RelationshipManager
- Other
Description:
type: string
description: |
The description of the channel through which the User can use the product.
ProductDetails:
type: object
description: |
The product type specific details for the product.
properties:
CurrentAccount:
$ref: '#/components/schemas/CurrentAccountDetails'
SavingsAccount:
$ref: '#/components/schemas/SavingsDetails'
CreditCard:
$ref: '#/components/schemas/CreditCardDetails'
PersonalLoan:
$ref: '#/components/schemas/PersonalLoanDetails'
Mortgage:
$ref: '#/components/schemas/MortgageDetails'
ProfitSharingRate:
$ref: '#/components/schemas/ProfitSharingRateDetails'
FinanceProfitRate:
$ref: '#/components/schemas/FinanceProfitRateDetails'
CurrentAccountDetails:
type: object
description: >
The details specific to a current account product. When ProductCategory is "CurrentAccount" the CurrentAccount
object must also be returned
properties:
Type:
description: |
The type of current account product.
type: string
enum:
- Basic
- Premium
- Advanced
- Other
Description:
type: string
description: |
The description of the current account product.
IsOverdraftAvailable:
type: boolean
description: |
Indicates whether the current account product has an overdraft facility.
Documentation:
type: array
description: |
A list of documents that are required by the LFI when applying for the current account product.
items:
type: object
description: |
A document that is required by the LFI when applying for the current account product.
properties:
Type:
type: string
description: |
The type of document required by the LFI when applying for the current account product.
enum:
- ApplicationForm
- IDCard
- Passport
- ResidenceVisa
- ProofofAddress
- UtilityBill
- SalaryCertificate
- SalarySlip
- TradeLicence
- BusinessOwnership
- Other
Description:
type: string
description: |
The description of the document required by the LFI when applying for the current account product.
Features:
type: array
description: |
A list of features of the current account product.
items:
type: object
description: |
A feature of the current account product.
properties:
Type:
description: |
The type of additional current account feature.
type: string
enum:
- IslamicBanking
- IslamicFinance
- DebitCard
- MultipleCurrencies
- DigitalWallet
- ChequeBook
- Cashback
- ATMTransfers
- FreeCashWithdrawal
- FreeInternationalPayments
- Contactless
- CardlessATMWithdrawal
- TellerTransactions
- SMSNotifications
- BillPayments
- FundsTransfer
- SalaryAdvance
- WorldWideSupport
- Other
Description:
description: |
The description of the additional current account feature.
type: string
Fees:
type: array
description: |
A list of fees associated with the current account product.
items:
type: object
description: |
A fee associated with the current account product.
properties:
Type:
type: string
description: |
The type of fee.
enum:
- MonthlyFees
- AnnualFees
- BalanceFallBelow
- Overdraft
- DomesticTransaction
- ForeignTransaction
- ATMWithdrawal
- ChequeBook
- ReplacementChequeBook
- ReturnCheque
- CardReplacement
- AccountStatement
- LetterIssued
- Other
Period:
type: string
description: |
The period of the fee.
enum:
- Daily
- Monthly
- Yearly
- OneOff
- Other
Name:
type: string
description: |
The name of the fee.
Description:
type: string
description: |
The description of the fee.
Unit:
type: string
description: |
The unit of the fee.
enum:
- Amount
- Percentage
Amount:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
Percentage:
type: number
description: |
The percentage of the fee.
UnitValue:
type: number
description: |
The value of the fee in the unit of the fee.
MaximumUnitValue:
type: number
description: |
The maximum value of the fee in the unit of the fee.
Limits:
type: array
description: |
A list of limits associated with the current account product.
items:
type: object
description: |
A limit of the current account product.
properties:
Type:
type: string
description: |
The type of limit.
enum:
- MinimumDeposit
- MinimumBalance
- MaximiumWithdrawal
- MaximumCashATMWithdrawal
- MaximumInternationalATMWithdrawal
- RetailDomesticPurchase
- RetailInternationalPurchase
- TellerTransactions
- Other
Description:
type: string
description: |
The description of the limit.
Value:
type: number
description: |
The value of the limit.
Benefits:
type: array
description: |
A list of benefits associated with the current account product.
items:
type: object
description: |
A benefit associated with the current account product.
properties:
Type:
type: string
description: |
The type of benefit.
enum:
- Cashback
- RewardPoints
- AirMiles
- AirportLounge
- RoadSideAssistance
- Parking
- WelcomeGifts
- Discounts
- InsuranceProtection
- PurchaseProtection
- Dining
- Cinema
- Golf
- Other
Name:
type: string
description: |
The name of the benefit.
Description:
type: string
description: |
The description of the benefit.
Value:
type: number
description: |
The value of the benefit.
SavingsDetails:
type: object
description: >
The details specific to a savings account product. When ProductCategory is "SavingsAccount" the SavingsAccount
object must also be returned
properties:
Type:
description: |
The type of savings account product.
type: string
enum:
- Savings
- OnlineSaver
- TermDeposit
- Notice
- Other
Description:
description: |
The description of the savings account product.
type: string
MinimumBalance:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
AnnualReturn:
description: |
The annual return of the savings account product expressed as a percentage.
type: number
Documentation:
type: array
description: |
A list of documents that are required by the LFI when applying for the savings account product.
items:
type: object
description: |
A document that is required by the LFI when applying for the savings account product.
properties:
Type:
type: string
description: |
The type of document required by the LFI when applying for the savings account product.
enum:
- ApplicationForm
- IDCard
- Passport
- ResidenceVisa
- ProofofAddress
- UtilityBill
- SalaryCertificate
- SalarySlip
- TradeLicence
- BusinessOwnership
- Other
Description:
type: string
description: |
The description of the document required by the LFI when applying for the product.
Features:
type: array
description: |
A list of features of the savings account product.
items:
type: object
description: |
A feature of the savings account product.
properties:
Type:
type: string
description: |
The type of feature.
enum:
- IslamicBanking
- IslamicFinance
- DebitCard
- MultipleCurrencies
- ATMCard
- FreeATMAccess
- ChequeBook
- CardlessChequeDeposit
- CounterTransactions
- MoneyTransfer
- NoLockIn
- SMSNotifications
- Other
Description:
type: string
description: |
The description of the feature.
Fees:
type: array
description: |
A list of fees associated with the savings account product.
items:
type: object
description: |
A fee associated with the savings account product.
properties:
Type:
type: string
description: |
The type of fee.
enum:
- MonthlyFees
- AnnualFees
- BalanceFallBelow
- DomesticTransaction
- ForeignTransaction
- ATMWithdrawal
- ChequeBook
- ReplacementChequeBook
- ReturnCheque
- CardReplacement
- AccountStatement
- LetterIssued
- AccountClosure
- Other
Period:
type: string
description: |
The period of the fee.
enum:
- Daily
- Monthly
- Yearly
- OneOff
- Other
Name:
type: string
description: |
The name of the fee.
Description:
type: string
description: |
The description of the fee.
Unit:
type: string
description: |
The unit of the fee.
enum:
- Amount
- Percentage
Amount:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
Percentage:
type: number
description: |
The percentage of the fee.
UnitValue:
type: number
description: |
The value of the fee in the unit of the fee.
MaximumUnitValue:
type: number
description: |
The maximum value of the fee in the unit of the fee.
Limits:
type: array
description: |
A list of limits associated with the savings account product.
items:
type: object
description: |
A limit of the savings account product.
properties:
Type:
type: string
description: |
The type of limit.
enum:
- MinimumOpeningBalance
- MaximumBalance
- MaximiumWithdrawal
- MaximumCashATMWithdrawal
- MaximumInternationalATMWithdrawal
- MaximumTellerTransactions
- Other
Description:
type: string
description: |
The description of the limit.
Value:
type: number
description: |
The value of the limit.
Benefits:
type: array
description: |
A list of benefits associated with the savings account product.
items:
type: object
description: |
A benefit associated with the savings account product.
properties:
Type:
type: string
description: |
The type of benefit.
enum:
- Cashback
- DiscountOffers
- RewardPoints
- InsuranceProtection
- LoyaltyMembership
- ComplementaryServices
- Other
Name:
type: string
description: |
The name of the benefit.
Description:
type: string
description: |
The description of the benefit.
Value:
type: number
description: |
The value of the benefit.
CreditCardDetails:
type: object
description: >
The details specific to a credit card product. When ProductCategory is "CreditCard" the CreditCard object must
also be returned
properties:
Type:
description: |
The type of the credit card product.
enum:
- Visa
- Mastercard
- AmericanExpress
- Diners
- Other
type: string
Description:
description: |
The description of the credit card product.
type: string
Rate:
description: |
The Annual Percentage Rate (APR) that is displayed as the main rate.
type: number
Documentation:
type: array
description: |
A list of documents that are required by the LFI when applying for the credit card product.
items:
type: object
description: |
A document that is required by the LFI when applying for the credit card product.
properties:
Type:
type: string
description: |
The type of document required by the LFI when applying for the product.
enum:
- ApplicationForm
- IDCard
- Passport
- ResidenceVisa
- ProofofAddress
- UtilityBill
- BankStatement
- SalaryCertificate
- SalarySlip
- TradeLicence
- UndatedSecurityCheque
- BusinessOwnership
- Other
Description:
type: string
description: |
The description of the document required by the LFI when applying for the product.
Features:
type: array
description: |
A list of features of the credit card product.
items:
type: object
description: |
A feature of the credit card product.
properties:
Type:
type: string
description: |
The type of feature.
enum:
- IslamicBanking
- IslamicFinance
- AdditionalCards
- CoBrandedCard
- BalanceTransfer
- CashWithdrawal
- InternationalPayments
- FlexiblePaymentTerm
- InstalmentPaymentPlans
- InsuranceProtection
- CreditShield
- CardControl
- PersonalisedCardDesign
- Other
Description:
type: string
description: |
The description of the feature.
Fees:
type: array
description: |
A list of fees associated with the credit card product.
items:
type: object
description: |
A fee associated with the credit card product.
properties:
Type:
type: string
description: |
The type of fee.
enum:
- AnnualFee
- CashAdvance
- LatePayment
- BalanceTransfer
- ForeignTransaction
- OverLimit
- CardReplacement
- CardStatement
- SalesVoucherCopy
- LetterIssued
- Other
Period:
type: string
description: |
The period of the fee.
enum:
- Daily
- Monthly
- Yearly
- OneOff
- Other
Name:
type: string
description: |
The name of the fee.
Description:
type: string
description: |
The description of the fee.
Unit:
type: string
description: |
The unit of the fee.
enum:
- Amount
- Percentage
Amount:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
Percentage:
type: number
description: |
The percentage of the fee.
UnitValue:
type: number
description: |
The value of the fee in the unit of the fee.
MaximumUnitValue:
type: number
description: |
The maximum value of the fee in the unit of the fee.
Limits:
type: array
description: |
A list of limits associated with the credit card product.
items:
type: object
description: |
A limit of the credit card product.
properties:
Type:
type: string
description: |
The type of limit.
enum:
- MinimumCreditLimit
- MaximumCreditLimit
- MinimumRequiredCreditScore
- MinimumSpend
- MaximumCashATMWithdrawal
- MaximumInternationalATMWithdrawal
- Other
Description:
type: string
description: |
The description of the limit.
Value:
type: number
description: |
The value of the limit.
Benefits:
type: array
description: |
A list of benefits associated with the credit card product.
items:
type: object
description: |
A benefit associated with the credit card product.
properties:
Type:
type: string
description: |
The type of benefit.
enum:
- Cashback
- RewardPoints
- AirMiles
- AirportLounge
- AirportPickUps
- RoadSideAssistance
- WelcomeGifts
- ShoppingDiscounts
- DiningDiscounts
- LoyaltyMembership
- InsuranceProtection
- PurchaseProtection
- ConciergeServices
- ValetParking
- Cinema
- Golf
- Gym
- Spa
- BeachPoolAccess
- Other
Name:
type: string
description: |
The name of the benefit.
Description:
type: string
description: |
The description of the benefit.
Value:
type: number
description: |
The value of the benefit.
PersonalLoanDetails:
type: object
properties:
Type:
description: >
The type of the personal loan product. When ProductCategory is "PersonalLoan" the PersonalLoan object must
also be returned
type: string
enum:
- PersonalFinance
- DebtSettlement
- EducationFinance
- TravelFinance
- BoatFinance
- Other
Description:
description: |
The description of the personal loan product.
type: string
MinimumLoanAmount:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
MaximumLoanAmount:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
Tenure:
type: object
description: |
The tenure of the personal loan product.
properties:
MinimumLoanTenure:
description: |
The minimum loan tenure in months.
type: number
MaximumLoanTenure:
description: |
The maximum loan tenure in months.
type: number
CalculationMethod:
type: string
enum:
- FlatRate
- ReducingRate
- Profit
- Lease
description: >
For conventional home loans confirmation of the method to calculate payments and how interest is charged.
The options are:
FlatRate - Interest is calculated on the full principal amount for the entire loan tenure.
ReducingRate - Interest is calculated only on the outstanding principal balance after each repayment.
For Shariah compliant home loans confirmation of the method to calculate payments. The options are:
Profit
Lease
Rate:
type: object
description: |
Confirmation of the rates range that will be applied to the home finance.
properties:
Type:
type: string
enum:
- Fixed
- Variable
- Hybrid
description: >
Confirmation whether the rate is a Fixed rate, Variable rate or a Hybrid rate that is fixed for initial
years and variable thereafter.
Description:
type: string
description: |
The description of the rate.
ReviewFrequency:
type: string
description: |
When the rate is Variable the frequency the rate is reviewed against base index.
IndicativeRate:
type: object
description: >
For conventional personal loans confirmation of the indicative rate covering the minimum (From) and
maximum (To) rate range.
properties:
From:
type: number
description: |
The minimum rate.
To:
type: number
description: |
The maximum rate.
ProfitRate:
type: object
description: >
the Profit Rate covering the starting rate from up to the maximum Profit Rate that could apply depending
upon the Product type, the type of the property and the amount of Finance availed in relation to the
market price of the property.
properties:
From:
type: number
description: |
The minimum rate.
To:
type: number
description: |
The maximum rate.
AnnualPercentageRateRange:
type: object
description: >
Annual Percentage Rate (APR) covering the minimum and maximum APR range. The indicative APR range includes
applicable interest, fees and charges of the product, expressed as an annualised rate.
properties:
From:
type: number
description: |
The minimum APR.
To:
type: number
description: |
The maximum APR.
FixedRatePeriod:
description: Must be populated when the Rate Type is Fixed to confirm the period the rate will be fixed for.
type: string
DebtBurdenRatio:
type: string
description: >
If applicable, the maximum percentage DBR value based on the total debt / total income calculation.
DBR is the ratio of the Customer’s total monthly outgoing payments (including instalments towards their
loans and credit cards), to their total income.
Documentation:
type: array
description: |
A list of documents that are required by the LFI when applying for the personal loan product.
items:
type: object
description: |
A document that is required by the LFI when applying for the personal loan product.
properties:
Type:
type: string
description: |
The type of document required by the LFI when applying for the product.
enum:
- ApplicationForm
- IDCard
- Passport
- ResidenceVisa
- ProofofAddress
- UtilityBill
- BankStatement
- SalaryCertificate
- SalarySlip
- UndatedSecurityCheque
- ProofofBusinessOwnership
- TradeLicence
- MemorandumofAssociation
- BusinessOwnership
- Other
Description:
type: string
description: |
The description of the document required by the LFI when applying for the product.
Features:
type: array
description: |
A list of features of the personal loan product.
items:
type: object
description: |
A feature of the personal loan product.
properties:
Type:
type: string
description: |
The type of feature.
enum:
- IslamicBanking
- IslamicFinance
- QuickApproval
- FreeDebitCard
- FreeCreditCard
- FlexibleRepaymentPeriods
- BuyOut
- TransferPersonalLoan
- LoanConsolidation
- LoanTopUp
- RevolvingOverdraft
- DefermentFacility
- LifeInsurance
- Guarantor
- Other
Description:
type: string
description: |
The description of the feature.
Limits:
type: array
description: |
A list of limits associated with the personal loan product.
items:
type: object
description: |
A limit of the personal loan product.
properties:
Type:
type: string
description: |
The type of limit.
enum:
- MinimumRequiredCreditScore
- MaximumOverpayment
- Other
Description:
type: string
description: |
The description of the limit.
Value:
type: number
description: |
The value of the limit.
Fees:
type: array
description: |
A list of fees associated with the personal loan product.
items:
type: object
description: |
A fee associated with the personal loan product.
properties:
Type:
type: string
description: |
The type of fee.
enum:
- Processing
- LoanCancellation
- PartialPayment
- LatePayment
- EarlySettlement
- FinalSettlement
- Other
Period:
type: string
description: |
The period of the fee.
enum:
- Daily
- Monthly
- Yearly
- OneOff
- Other
Name:
type: string
description: |
The name of the fee.
Description:
type: string
description: |
The description of the fee.
Unit:
type: string
description: |
The unit of the fee.
enum:
- Amount
- Percentage
Amount:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
Percentage:
type: number
description: |
The percentage of the fee.
UnitValue:
type: number
description: |
The value of the fee in the unit of the fee.
MaximumUnitValue:
type: number
description: |
The maximum value of the fee in the unit of the fee.
Benefits:
type: array
description: |
A list of benefits associated with the personal loan product.
items:
type: object
description: |
A benefit associated with the personal loan product.
properties:
Type:
type: string
description: |
The type of benefit.
enum:
- Other
Name:
type: string
description: |
The name of the benefit.
Description:
type: string
description: |
The description of the benefit.
Value:
type: number
description: |
The value of the benefit.
AdditionalInformation:
type: array
description: |
A list of additional information about the personal loan product.
items:
type: object
properties:
Type:
type: string
enum:
- Other
description: |
The type of personal loan additional information.
Description:
type: string
description: |
The description of the personal loan additional information.
MortgageDetails:
type: object
description: >
The details specific to a mortgage product. When ProductCategory is "Mortgage" the Mortgage object must also be
returned
properties:
Type:
type: string
enum:
- FixedRate
- VariableRate
- HybridRate
- IslamicHomeLoan
- Offset
- Other
description: |
The type of mortgage product.
Description:
type: string
description: |
The description of the mortgage product.
CalculationMethod:
type: string
enum:
- FlatRate
- ReducingRate
- Profit
- Lease
description: >
For conventional home loans confirmation of the method to calculate payments and how interest is charged.
The options are:
FlatRate - Interest is calculated on the full principal amount for the entire loan tenure.
ReducingRate - Interest is calculated only on the outstanding principal balance after each repayment.
For Shariah compliant home loans confirmation of the method to calculate payments. The options are:
Profit
Lease
Structure:
type: string
description: >
When the home loan is Shariah compliant, confirmation of the Islamic finance model that is used for the
housing finance.
Rate:
type: object
description: |
Rate information for the mortgage product.
properties:
Type:
type: string
enum:
- Fixed
- Variable
- Hybrid
description: >
Confirmation whether the rate is a Fixed rate, Variable rate or a Hybrid rate that is fixed for initial
years and variable thereafter.
Description:
type: string
description: |
The description of the rate.
ReviewFrequency:
description: When the rate is Variable the frequency the rate is reviewed against base index.
type: string
IndicativeRate:
type: object
description: The indicative rate covering the minimum (From) and maximum (To) rate range.
properties:
From:
description: The minimum rate.
type: number
To:
description: The maximum rate.
type: number
ProfitRate:
type: object
description: >
the Profit Rate covering the starting rate from up to the maximum Profit Rate that could apply depending
upon the Product type, the type of the property and the amount of Finance availed in relation to the
market price of the property.
properties:
From:
type: number
description: |
The minimum rate.
To:
type: number
description: |
The maximum rate.
IndicativeAPR:
type: object
description: |
The indicative APR covering the minimum (From) and maximum (To) rate range.
properties:
From:
type: number
description: |
The minimum rate.
To:
type: number
description: |
The maximum rate.
FixedRatePeriod:
type: string
description: |
Must be populated when the Rate Type is Fixed to confirm the period the rate will be fixed for.
MinimumLoanAmount:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
MaximumLoanAmount:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
MaximumLTV:
type: number
description: >-
The maximum Loan-to-Value (LTV) allowed. Where a different LTV applies for each residency type the
individual value must be provided.
DownPayment:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
RepaymentTenure:
type: object
description: |
The maximum repayment tenure for the mortgage product.
properties:
MinimumLoanTenure:
type: number
description: |
The minimum loan tenure in months.
MaximumLoanTenure:
type: number
description: |
The maximum loan tenure in months.
Documentation:
type: array
description: |
A list of documents that are required by the LFI when applying for the mortgage product.
items:
type: object
description: |
A document that is required by the LFI when applying for the mortgage product.
properties:
Type:
type: string
description: |
The type of document required by the LFI when applying for the product.
enum:
- ApplicationForm
- IDCard
- Passport
- ResidenceVisa
- EmploymentProof
- ProofofAddress
- UtilityBill
- BankStatement
- SalaryCertificate
- SalarySlip
- TradeLicence
- BusinessOwnership
- PropertyOwnership
- SalesandPurchaseAgreement
- DeveloperLicense
- TitleDeed
- NoObjectionCertificate
- ValuationReport
- MortgageStatement
- Other
Description:
type: string
description: |
The description of the document required by the LFI when applying for the product.
Features:
type: array
description: |
A list of features of the mortgage product.
items:
type: object
description: |
A feature of the mortgage product.
properties:
Type:
type: string
description: |
The type of feature.
enum:
- IslamicBanking
- IslamicFinance
- OnlineApplication
- PreApproval
- LifeInsurance
- PropertyInsurance
- GracePeriod
- Overpayments
- Redraw
- FreeCreditCard
- FreePropertyValuation
- BuyOut
- TopUp
- InstalmentDeferment
- EquityRelease
- NoDeveloperRestriction
- Guarantor
- Other
Description:
type: string
description: |
The description of the feature.
Fees:
type: array
description: |
A list of fees associated with the mortgage product.
items:
type: object
description: |
A fee associated with the mortgage product.
properties:
Type:
type: string
description: |
The type of fee.
enum:
- Processing
- LatePayment
- EarlySettlement
- FinalSettlement
- LetterIssued
- Other
Period:
type: string
description: |
The period of the fee.
enum:
- Daily
- Monthly
- Yearly
- OneOff
- Other
Name:
type: string
description: |
The name of the fee.
Description:
type: string
description: |
The description of the fee.
Unit:
type: string
description: |
The unit of the fee.
enum:
- Amount
- Percentage
Amount:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
Percentage:
type: number
description: |
The percentage of the fee.
UnitValue:
type: number
description: |
The value of the fee in the unit of the fee.
MaximumUnitValue:
type: number
description: |
The maximum value of the fee in the unit of the fee.
Limits:
type: array
description: |
A list of limits associated with the mortgage product.
items:
type: object
description: |
A limit associated with the mortgage product.
properties:
Type:
type: string
description: |
The type of limit.
enum:
- MinimumRequiredCreditScore
- MaximumOverpayment
- Other
Description:
type: string
description: |
The description of the limit.
Value:
type: number
description: |
The value of the limit.
Percentage:
type: number
description: |
The percentage of the limit.
Benefits:
type: array
description: |
A list of benefits associated with the mortgage product.
items:
type: object
description: |
A benefit associated with the mortgage product.
properties:
Type:
type: string
description: |
The type of benefit.
enum:
- Other
Name:
type: string
description: |
The name of the benefit.
Description:
type: string
description: |
The description of the benefit.
Value:
type: number
description: |
The value of the benefit.
ProfitSharingRateDetails:
type: object
properties:
Name:
type: string
description: |
The name of the profit sharing rate.
Description:
type: string
description: |
The description of the profit sharing rate.
MinimumDepositAmount:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
AnnualReturn:
type: number
description: |
The annual return of the profit sharing rate.
AnnualReturnOptions:
type: array
description: |
The annual return options of the profit sharing rate.
items:
type: object
properties:
Name:
type: string
description: |
The name of the annual return option.
Description:
type: string
description: |
The description of the annual return option.
InvestmentPeriod:
type: object
description: |
The investment period of the profit sharing rate.
properties:
Name:
type: string
description: |
The type of investment period.
Description:
type: string
description: |
The description of the investment period.
AdditionalInformation:
type: array
description: |
The additional information of the profit sharing rate.
items:
type: object
properties:
Type:
type: string
enum:
- Other
description: |
The type of additional information.
Description:
type: string
description: |
The description of the additional information.
FinanceProfitRateDetails:
type: object
description: |
The details specific to a finance profit rate.
properties:
Name:
type: string
description: |
The name of the finance profit rate.
Description:
type: string
description: |
The description of the finance profit rate.
CalculationMethod:
type: string
enum:
- FlatRate
- ReducingRate
- Profit
- Lease
description: >
For conventional home loans confirmation of the method to calculate payments and how interest is charged.
The options are:
FlatRate - Interest is calculated on the full principal amount for the entire loan tenure.
ReducingRate - Interest is calculated only on the outstanding principal balance after each repayment.
For Shariah compliant home loans confirmation of the method to calculate payments. The options are:
Profit
Lease
Rate:
type: number
description: |
The rate of the finance profit rate product.
Frequency:
type: string
description: |
The frequency of the finance profit rate product.
Tiers:
type: array
description: |
The tiers of the finance profit rate product.
items:
$ref: '#/components/schemas/RateTier'
AdditionalInformation:
type: array
description: |
The additional information of the finance profit rate product.
items:
type: object
properties:
Type:
type: string
enum:
- Other
description: |
The type of additional information.
Description:
type: string
description: |
The description of the additional information.
RateTier:
type: object
description: |
The tier of the finance profit rate product.
properties:
Type:
description: |
The type of the tier.
type: string
Description:
type: string
description: |
The description of the tier.
Name:
type: string
description: |
The name of the tier.
Unit:
type: string
enum:
- Balance
- LTV
- TimePeriod
description: |
The unit of the tier.
MinimumTierValue:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
MaximumTierValue:
$ref: '#/components/schemas/AEActiveOrHistoricCurrencyAndAmount_0'
MinimumTierRate:
type: number
description: |
The minimum rate of the tier.
MaximumTierRate:
type: number
description: |
The maximum rate of the tier.
Condition:
type: string
description: |
The conditions of the tier.
AEActiveOrHistoricCurrencyAndAmount_0:
type: object
required:
- Amount
- Currency
description: This is the value of the amount in the currency
properties:
Amount:
$ref: '#/components/schemas/AEActiveCurrencyAndAmount_SimpleType'
Currency:
$ref: '#/components/schemas/ActiveOrHistoricCurrencyCode_0'
additionalProperties: false
AEActiveCurrencyAndAmount_SimpleType:
description: >-
A number of monetary units specified in an active currency where the unit of currency is explicit and compliant
with ISO 4217.
type: string
pattern: ^\d{1,13}$|^\d{1,13}\.\d{1,5}$
ActiveOrHistoricCurrencyCode_0:
description: >-
Identification of the currency in which the account is held. A code allocated to a currency under an
international currency identification scheme, as described in the latest edition of the international standard
ISO 4217 'Codes for the representation of currencies and funds'.
type: string
pattern: ^[A-Z]{3,3}$
example: AED
LeadRequest:
type: object
additionalProperties: false
description: |
The request to create a lead.
properties:
data:
type: object
additionalProperties: false
description: |
The data for the lead request.
required:
- Name
- Email
- EmiratesId
- MarketingOptOut
properties:
Email:
type: string
format: email
description: Email address of the account holder
PhoneNumber:
type: string
pattern: ^\+[1-9]\d{1,14}$
description: Phone number in E.164 format
Name:
$ref: '#/components/schemas/AEUserName'
EmiratesId:
type: string
description: Emirates ID number of the Party
Nationality:
type: string
description: Nationality of the Party
ResidentialAddress:
$ref: '#/components/schemas/AEPartyIdentityAddressClaim'
LeadInformation:
type: string
description: |
Free text information about the lead.
MarketingOptOut:
type: boolean
description: Whether the lead has opted out of marketing communications.
ProductCategories:
type: array
items:
type: object
properties:
Type:
type: string
enum:
- SavingsAccount
- CurrentAccount
- CreditCard
- Loan
- Mortgage
LeadResponse:
type: object
additionalProperties: false
properties:
data:
type: object
description: |
The data for the lead response.
additionalProperties: false
required:
- LeadId
- Name
- Email
- EmiratesId
- MarketingOptOut
properties:
LeadId:
type: string
description: Unique identifier for the lead
Email:
type: string
format: email
description: Email address of the account holder
PhoneNumber:
type: string
pattern: ^\+[1-9]\d{1,14}$
description: Phone number in E.164 format
Name:
$ref: '#/components/schemas/AEUserName'
EmiratesId:
type: string
description: Emirates ID number of the Party
Nationality:
type: string
ResidentialAddress:
$ref: '#/components/schemas/AEPartyIdentityAddressClaim'
LeadInformation:
type: string
MarketingOptOut:
type: boolean
description: Whether the lead has opted out of marketing communications.
ProductCategories:
type: array
items:
type: object
properties:
Type:
type: string
enum:
- SavingsAccount
- CurrentAccount
- CreditCard
- Loan
- Mortgage
AEUserName:
oneOf:
- $ref: '#/components/schemas/AEPersonalAccountName'
- $ref: '#/components/schemas/AEPersonalAccountFullName'
- $ref: '#/components/schemas/AEBusinessAccountName'
description: |
The name of the account holder.
AEPersonalAccountName:
type: object
required:
- GivenName
- LastName
properties:
GivenName:
type: string
minLength: 1
maxLength: 70
description: The given or first name of the lead
LastName:
type: string
minLength: 1
maxLength: 70
description: The family or surname of the lead
description: The name of a personal account
additionalProperties: false
AEPersonalAccountFullName:
type: object
required:
- FullName
properties:
FullName:
type: string
minLength: 1
maxLength: 140
description: The full name of the lead
description: The full name of a personal account
additionalProperties: false
AEBusinessAccountName:
type: object
required:
- BusinessName
properties:
BusinessName:
type: string
minLength: 1
maxLength: 140
description: The business name of the lead
description: The name of a business account
additionalProperties: false
AEPartyIdentityAddressClaim:
type: object
properties:
AddressLine:
type: array
items:
description: >-
Information that locates and identifies a specific address, as defined by postal services, presented in
free format text. This may be duplicated in other fields in the address object.
type: string
minLength: 1
maxLength: 70
minItems: 0
maxItems: 7
Locality:
type: string
description: |
The address locality (village, town, city etc) claim that has been verified.
Region:
type: string
description: |
The address region claim that has been verified.
PostalCode:
$ref: '#/components/schemas/PostalCode'
Country:
$ref: '#/components/schemas/CountryCode'
description: >
Address object as per OpenID Connect Core 1.0 Address Claim
[https://openid.net/specs/openid-connect-core-1_0.html#AddressClaim](https://openid.net/specs/openid-connect-core-1_0.html#AddressClaim)
additionalProperties: false
CountryCode:
type: object
required:
- CountryCode
properties:
CountryCode:
type: string
pattern: ^[A-Z]{2,2}$
description: Nation with its own government, occupying a particular territory.
additionalProperties: false
PostalCode:
type: object
required:
- PostalCode
properties:
PostalCode:
type: string
minLength: 5
maxLength: 5
description: >-
Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the
sorting of mail.
ErrorMessage:
description: Message describing what problem has occurred
type: string
Error400:
description: Default error response payload structure for Ozone Connect
type: object
required:
- errorCode
- errorMessage
properties:
errorCode:
description: >-
Error code identifying the problem that occurred. This may either be one of the prescribed Error Code(s) or
a namespaced Error Code where the namespace is the system or organisation that has responded with the error,
and the code is the code specific to the system or organisation. organisation or system.
LFIs should implement error codes based on the prescribed codes or guidance in the standards, with
non-specific codes maintained for backward compatibility with version 1.2.
anyOf:
- type: string
enum:
- Consent.Invalid
- Consent.BusinessRuleViolation
- Consent.FailsControlParameters
- Consent.InvalidUserIdentifier
- JWS.InvalidSignature
- JWS.Malformed
- JWS.InvalidClaim
- JWS.InvalidHeader
- JWE.DecryptionError
- JWE.InvalidHeader
- GenericRecoverableError
- GenericError
- Event.UnexpectedEvent
- Body.InvalidFormat
- Resource.InvalidFormat
- type: string
pattern: ^[A-Za-z]+\.[A-Za-z0-9]+$
- type: string
errorMessage:
$ref: '#/components/schemas/ErrorMessage'
Error403:
description: >-
Error code identifying the problem that occurred. The first part of the code is the namespace, which is the name
of the organisation or system that is rejecting the payment, and the second part is the specific rejection
reason code for the originating organisation or system.
LFIs should implement error codes based on the prescribed codes or guidance in the standards, with non-specific
codes maintained for backward compatibility with version 1.2.
type: object
required:
- errorCode
- errorMessage
properties:
errorCode:
description: >-
Error code identifying the problem that occurred. This may either be one of the prescribed Error Code(s) or
a namespaced Error Code where the namespace is the system or organisation that has responded with the error,
and the code is the code specific to the system or organisation.
anyOf:
- type: string
enum:
- AccessToken.InvalidScope
- Consent.TransientAccountAccessFailure
- Consent.AccountTemporarilyBlocked
- Consent.PermanentAccountAccessFailure
- GenericRecoverableError
- GenericError
- type: string
pattern: ^[A-Za-z]+\.[A-Za-z0-9]+$
- type: string
errorMessage:
$ref: '#/components/schemas/ErrorMessage'
Error500:
description: >-
Error code identifying the problem that occurred. The first part of the code is the namespace, which is the name
of the organisation or system that is rejecting the payment, and the second part is the specific rejection
reason code for the originating organisation or system.
LFIs should implement error codes based on the prescribed codes or guidance in the standards, with non-specific
codes maintained for backward compatibility with version 1.2.
type: object
required:
- errorCode
- errorMessage
properties:
errorCode:
description: >-
Error code identifying the problem that occurred. This may either be one of the prescribed Error Code(s) or
a namespaced Error Code where the namespace is the system or organisation that has responded with the error,
and the code is the code specific to the system or organisation.
anyOf:
- type: string
enum:
- GenericRecoverableError
- GenericError
- type: string
pattern: ^[A-Za-z]+\.[A-Za-z0-9]+$
- type: string
errorMessage:
$ref: '#/components/schemas/ErrorMessage'
responses:
201LeadResponse:
description: Lead Response
content:
application/json:
schema:
$ref: '#/components/schemas/LeadResponse'
BadRequestResponse:
description: Operation failed due to a invalid request parameter
content:
application/json:
schema:
$ref: '#/components/schemas/Error400'
NotAuthorizedResponse:
description: The operation failed due to an invalid credential being presented
content:
application/json:
schema:
type: object
properties:
errorCode:
description: >-
Error code identifying the problem that occurred. Should be implemented based on guidance in standards
and API Hub documentation, but custom error code lists maintained for backwards compatibility with
v1.2.
type: string
errorMessage:
$ref: '#/components/schemas/ErrorMessage'
ForbiddenResponse:
description: Operation failed as access to the requested resource is forbidden
content:
application/json:
schema:
$ref: '#/components/schemas/Error403'
InternalServerErrorResponse:
description: Operation failed due to an internal server error
content:
application/json:
schema:
$ref: '#/components/schemas/Error500'
errorResponse:
description: Default error response
content:
application/json:
schema:
type: object
properties:
errorCode:
description: >-
Error code identifying the problem that occurred. Should be implemented based on guidance in standards
and API Hub documentation, but custom error code lists maintained for backwards compatibility with
v1.2.
type: string
errorMessage:
$ref: '#/components/schemas/ErrorMessage'
parameters:
providerId:
name: o3-provider-id
in: header
schema:
type: string
required: true
description: Identifier for the financial institution that the request is targeted to
callerOrgId:
name: o3-caller-org-id
in: header
schema:
type: string
required: true
description: An identifier for the organization calling the API
callerClientId:
name: o3-caller-client-id
in: header
schema:
type: string
required: true
description: An identifier for the OIDC clientId calling the API
callerSoftwareStatementId:
name: o3-caller-software-statement-id
in: header
schema:
type: string
required: true
description: An identifier for the software statement calling the API
apiUri:
name: o3-api-uri
in: header
schema:
type: string
required: true
description: The parameterised URL of the API being called by the caller
apiOperation:
name: o3-api-operation
in: header
schema:
type: string
required: true
description: The API operation carried out by the caller (e.g. GET, POST, PUT, DELETE, PATCH)
callerInteractionId:
name: o3-caller-interaction-id
in: header
schema:
type: string
required: true
description: The interaction ID passed in by the caller, if any
ozoneInteractionId:
name: o3-ozone-interaction-id
in: header
schema:
type: string
required: true
description: >-
An interaction ID generated by Ozone if the caller did not send in one. If the callerInteractionId is specified,
this takes the same value.
x-fapi-customer-ip-address:
in: header
name: x-fapi-customer-ip-address
required: true
description: The User's IP address if the User is currently logged in with the TPP.
schema:
type: string
page:
name: page
in: query
description: Page of results to request (standard pagination)
required: true
schema:
default: 1
type: integer
style: form
page-size:
name: page-size
in: query
description: Page size to request. Default is 25 (standard pagination)
required: true
schema:
default: 100
type: integer
style: form
securitySchemes:
OzoneConnectApiKey:
description: >-
Communications between the API Hub and the LFI Ozone Connect implementation are secured using an API Key, which
is a secret shared between the API Hub and the LFI.
type: apiKey
in: header
name: Authorization
OzoneConnectClientCredentials:
type: oauth2
description: >
Communications between the API Hub and the LFI Ozone Connect implementation are secured using a Client
Credentials grant type.
LFIs must host an OAuth 2.0 Authorization Server to utilise this security pattern. Scope values are set during
the onboarding process, and represented by a placeholder in this API description.
flows:
clientCredentials:
tokenUrl: https://example.lfi.ae/token
scopes:
placeholder: Placeholder for scopes, which are set by the LFI during onboarding
OzoneConnectJwtAuth:
description: >
Communications between the API Hub and the LFI Ozone Connect implementation are secured using the "JWT Auth"
mechanism, where the Client presents a signed JSON Web Token as a credential.
The Server MUST verify the signature in order to authenticate the Client.
Please note that the value of the `scheme` parameter is not a registered HTTP Authentication Scheme, to indicate
it is specific to Ozone Connect. Please refer to API Hub documentation for further details.
type: http
scheme: Ozone-Connect-JWT-Auth
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