Concepts
Roadmap
What follows the pilot, in sequence.
Coming next
What the API does today is on Banking as a service and Yield as a service; this page lists what follows, in order.
| Capability | Today | Next |
|---|---|---|
| Paying a wallet | A payout goes to a bank destination, from one of your own accounts or, with x-on-behalf-of, from a sub-client's — see Destinations and Payouts. | Paying a destination registered as a wallet. It is sequenced after the bank leg. |
| End-customer verification run by TCB | You register end customers by API: POST /sub-clients takes the identity data, screening results and attestation your own due-diligence programme produced, and the sub-client reaches VERIFIED on the strength of them together with TCB's own screening. | A verification flow TCB itself operates end to end — the route for a firm without its own programme. It sits on a different footing from the pilot and follows in a later phase. |
| Self-serve API keys | TCB issues your key during onboarding — see Get access. | Key management you drive yourself, over the API. |
| Approval policies over the API | A payment executes on the call, for any key holding the scope, with two exceptions. A payout TCB holds for bank review is debited and waits as HELD_FOR_REVIEW (payout.held) until TCB releases it (payout.released) or fails and refunds it; see Payouts. A settlement your organisation's approval rules let through posts; one they would hold for approval, or block, answers 409 SETTLEMENT_REQUIRES_APPROVAL and has to be made in the app; see Settlements. | Setting a policy over the API, so a payment above a threshold you set waits for a second approver before it executes. |
| Moving tcbUSD and vault shares out of TCB custody | tcbUSD and shares are held in the TCB wallet assigned to you and move only through the chain steps. | A position token you can transfer to a wallet you control. It is not in build. |
None of the five carries a date. Each is a planned direction for this pilot, not a commitment about exactly when it ships.
Banking as a service
Accounts and IBANs, money in, money moved, money out.
Yield as a service
Fiat placed into a curated vault and held as a position.