Open Banking
Auth0 Data Holder
Data Provider
Auth0 Open Banking Data Holder Integration
Banks and financial institutions using Auth0 face a specific challenge: Auth0 excels at customer identity, but becoming a compliant data holder requires FAPI 2.0 data sharing, regulatory consent flows, and compliance reporting that go beyond identity management. Fiskil bridges this gap without replacing your Auth0 investment.
Auth0 Doesn't Make You a Compliant Data Holder
Banks and lenders using Auth0 need to become compliant open banking data holders, but Auth0 alone doesn't meet the regulatory requirements for FAPI security, consent management, or compliance reporting.
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Auth0 FAPI support is limited to Enterprise plans and doesn't cover the full FAPI 2.0 specification
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CDR and Section 1033 consent requirements exceed standard Auth0 consent mechanisms
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Regulatory reporting (CDR metrics, CFPB reports) is not available in Auth0
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Data holder APIs require FAPI 2.0 features that Auth0 doesn't support natively
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Custom consent dashboards needed for regulatory compliance are not part of Auth0's product
Auth0 for Authentication + Fiskil for Data Holder Compliance
Keep Auth0 for what it does best—customer authentication. Add Fiskil for everything else a data holder needs: FAPI 2.0 APIs, regulatory consent flows, compliance reporting, and customer consent dashboards.
Capabilities
Key Capabilities
Auth0 FAPI Bridge
A bridge layer that upgrades Auth0 authentication flows to FAPI 2.0 compliance. Customer authentication stays with Auth0; the bridge adds mTLS, signed request objects, and DPoP token binding required by open banking regulations.
Regulatory Consent Flows
Consent flows that meet CDR, Section 1033, and PSD3 requirements. These go beyond standard OAuth consent—they include purpose specification, data scope selection, duration setting, and customer-facing data previews as required by regulation.
Data Holder API Layer
Pre-built API endpoints that implement the data holder specification for CDR, Section 1033, and PSD3. Endpoints include product reference data, customer data, transaction data, and account data—all with FAPI 2.0 security.
Compliance Reporting Engine
Automated generation of regulatory reports including CDR performance metrics, Section 1033 compliance attestations, and PSD3 reporting requirements. Reports are generated on schedule and available on-demand for auditors.
Implementation
Implementation Guide
Transforming an Auth0-powered institution into a compliant data holder typically takes 6–10 weeks depending on the regulatory regime and data complexity.
Map Regulatory Requirements
Identify which open banking regulations apply to your institution (CDR, Section 1033, PSD3, or multiple). Map the required data endpoints, consent flows, and reporting obligations. Fiskil provides regulation-specific requirement checklists.
Configure Auth0 FAPI Profile
Set up the Auth0 FAPI bridge. Configure your Auth0 tenant with FAPI-compatible settings, establish the mTLS connection between Auth0 and Fiskil, and set up the token exchange flow that upgrades Auth0 tokens to FAPI-compliant tokens.
Connect Fiskil Data Sharing
Map your internal data sources to the data holder API specification. Configure data transformation rules, set up real-time data feeds for account and transaction data, and implement the product reference data endpoints.
Enable Compliance Reporting
Configure regulatory reporting schedules, set up the compliance dashboard, and enable automated metric collection. Test report generation with historical data and verify accuracy against regulatory requirements.
Features
Key Features
Auth0 Customer Auth Preservation
Customers continue to authenticate through your Auth0-powered login experience. No change to the customer authentication journey. Auth0 branding, MFA, and social login all work as before.
CDR-Compliant Consent Flows
Consent flows that implement the full CDR consent specification including data cluster selection, purpose specification, sharing duration, and customer-facing data previews with account selection.
Section 1033 API Endpoints
Pre-built API endpoints that implement the CFPB Section 1033 data holder specification. Includes account information, transaction history, payment initiation, and account verification endpoints.
Regulatory Metrics Dashboard
Real-time dashboard showing regulatory performance metrics: API availability, response time percentiles, error rates, consent conversion rates, and data recipient activity.
Customer Consent Dashboard
A customer-facing dashboard where account holders view and manage their active data sharing consents. Meets regulatory requirements for consent visibility and easy revocation.
Automated Compliance Reports
Scheduled generation of regulatory compliance reports. CDR performance reports, Section 1033 compliance attestations, and audit-ready documentation generated automatically on your configured schedule.
"Partnering with Fiskil on our open data needs has been a game-changer for us in delivering and maintaining our data holder solution."
Fahad Liaqat at Pacific Blue
Executive Manager Operations and New Markets
FAQs
CDR (Australia) is a fully implemented framework with specific technical standards, accreditation requirements, and enforcement. Section 1033 (US) is still being finalized by the CFPB with rulemaking ongoing. Key differences: CDR uses a specific FAPI profile; Section 1033 references FAPI but allows flexibility. CDR requires accreditation; Section 1033 requirements are evolving. Fiskil supports both.
No. The FAPI bridge works with all Auth0 plans including Free, Essential, and Professional. However, some advanced features like custom domains and enterprise connections may require Auth0 Professional or Enterprise. The core data holder functionality works on any plan.
Typical timelines: CDR compliance in 6‐8 weeks (regulation is well-defined), Section 1033 preparation in 4–6 weeks (regulation still evolving, so implementation covers expected requirements), PSD3 readiness in 8–10 weeks (most complex due to payment initiation). Multi-jurisdiction adds 2–4 weeks.
Internal data holder implementations typically cost $1–2M in engineering effort over 12–18 months. Fiskil reduces this by 60–70% through pre-built components, pre-certified FAPI security, and automated compliance reporting. The biggest savings come from not needing to hire specialized FAPI security engineers.
Customer authentication is unchanged—they continue to log in through your Auth0-powered experience. The only new customer touchpoint is the consent flow, which appears when a third party requests data access. This consent flow is fully brandable to match your existing UX.
All Auth0 plans work with the Fiskil FAPI bridge. Free and Essential plans support the core token exchange and consent flows. Professional adds custom domains and advanced branding. Enterprise adds enterprise connections and dedicated support. Choose your Auth0 plan based on your identity needs; Fiskil works with all of them.
Yes. Fiskil's multi-jurisdiction mode supports CDR, Section 1033, and PSD3 simultaneously from a single deployment. Each regulation has its own consent flows, API endpoints, and reporting requirements, but the underlying data layer and Auth0 integration are shared.
Fiskil supports the data formats specified by each regulation: CDR uses a specific JSON schema defined by the Data Standards Body, Section 1033 uses the FDX (Financial Data Exchange) format, and PSD3 is expected to use the Berlin Group NextGenPSD2 format. Data transformation from your internal format to regulatory format is handled by Fiskil.
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Third-Party Applications
FAPI 2.0 Security
Pre-certified FAPI 2.0 security infrastructure for enterprise data sharing. mTLS, signed request objects, DPoP token binding, and Pushed Authorization Requests built in—no custom implementation required.
Open Banking
Compliance Automation
Automate ongoing open banking compliance with regulatory reporting, audit trail management, standard auto-updates, and compliance dashboard. Significantly reduce compliance costs with Fiskil Data Provider.
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