The purpose of this paper is to define requirements to support multi-currency wallets.
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The current published Version 3.1.10 of the OBIE read/write API standard includes PSD2 in-scope accounts (multi-currency)” to support payer accounts of any currency. This paper addresses variants of global multi-currency wallets supported by an ASPSP with additional requirements that need to be extended to support them via AISP/PISP services.
This paper defines the overall proposition to support this extended read/write functionality requested by one of the CMA9 ASPSPs so that participants (ASPSPs and TPPs) and stakeholders (FCA, HMT, CMA) have a common understanding of what is and is not in scope, and how this proposal will support regulatory requirements and critical use cases.
The following are some example use cases which have been considered for this proposition.
Requirements categorised as ‘M'(Must Have) or ‘S'(Should Have) as per the MoSCoW ratings will be in scope for delivering the minimum viable product. All other requirements are listed for future consideration.
Identifiers that can be used by the PISP to reference Payer/Payee account:
All references to Regulatory in section 4 are to the Payment Services Regulations 2017.