canonical: https://jentic.com/apis/truelayer.com/truelayer

# TrueLayer API

TrueLayer provides open banking APIs for payments, payouts, and financial data access. The API supports payment initiation, refunds, and bank account data retrieval. The API exposes 17 endpoints secured with bearer authentication.

## For AI agents

Programmatically generate access token, delete credential. Covers 17 operations with bearer authentication.

## Scope

Does not handle payments, communications, or crm - use for finance and accounting only.

## Capabilities

- Generate access token
- Delete credential
- Create payment
- Get payment
- Start authorization flow
- Submit provider selection

## Use cases

### Finance and Accounting Operations

Use the TrueLayer API to perform finance operations programmatically. The API provides 17 endpoints covering core functionality including generate access token, delete credential, create payment.

Example prompt: Call POST /v1/oauth/access_token to generate access token

### Automated Authentication Management

Automate authentication operations by combining multiple TrueLayer API endpoints. Agents can delete credential and then create payment in a single workflow.

Example prompt: Call DELETE /v1/oauth/credentials/{id} to delete credential, then verify the result

### AI Agent Integration via Jentic

AI agents discover and call TrueLayer API endpoints through Jentic without managing credentials directly. An agent searches for the required operation by intent, receives the matching endpoint schema, and executes the call with Jentic-managed authentication. This eliminates the need to read API documentation or handle bearer tokens manually.

Example prompt: Search Jentic for 'generate access token', load the operation schema, and execute with Jentic-managed credentials

## Key endpoints

| Method | Path | Description |
| --- | --- | --- |
| POST | /v1/oauth/access_token | Generate access token |
| DELETE | /v1/oauth/credentials/{id} | Delete credential |
| POST | /v3/payments | Create payment |
| GET | /v3/payments/{id} | Get payment |
| POST | /v3/payments/{id}/authorization-flow | Start authorization flow |
| POST | /v3/payments/{id}/authorization-flow/actions/provider-selection | Submit provider selection |
| POST | /v3/payments/{id}/authorization-flow/actions/consent | Submit consent |
| POST | /v3/payments/{id}/authorization-flow/actions/form | Submit form |

## Key resources

- **Authentication** — Operations related to Authentication
- **Data** — Operations related to Data
- **Payments** — Operations related to Payments

## Why Jentic

- **Setup:** Wiring TrueLayer API by hand means learning its bearer auth, choosing between the live api.truelayer.com and sandbox hosts, and driving its multi-step payment authorization flow with your own error handling and retries. Through Jentic you install once, import TrueLayer API from the API Directory, store the token once, and your agent calls it.
- **Permission scoping:** TrueLayer API puts the payment id in the URL path (/v3/payments/{id}/...), so a rule can pin your agent to one payment: it can drive that payment's authorization flow and read its status and nothing else. You choose the operations it may call, so credential deletion or creating new payments are not included unless you add them.
- **Credential handling:** Your TrueLayer API token is stored once, encrypted, by your own Jentic One instance and injected at execution time. It never enters the agent's prompt, logs, or context.
- **Discovery method:** Agents search Jentic by intent such as 'create a payment' or 'submit provider selection', and Jentic returns the matching TrueLayer API operation with its input schema so the agent calls the right endpoint without browsing the reference docs.

## Related APIs

- **Plaid** — Alternative finance API
- **Xero** — Alternative finance API

## FAQ

### What authentication does the TrueLayer API use?

The TrueLayer API uses a Bearer token in the Authorization header. Through Jentic, these credentials are stored encrypted in your Jentic One instance and injected at execution time, so raw secrets never enter the agent context.

### Can I generate access token with the TrueLayer API?

Yes. Use the POST /v1/oauth/access_token endpoint. The API returns structured JSON responses that agents can parse and act on directly.

### What are the rate limits for the TrueLayer API?

Rate limits are not specified in the OpenAPI spec. Check the vendor documentation for current limits. Through Jentic, rate limiting is handled automatically with retry logic built into the execution layer.

### How do I generate access token through Jentic?

Install the Jentic SDK with pip install jentic, authenticate through Jentic One, the self-hosted execution layer, then search for 'generate access token'. Jentic returns the matching TrueLayer API operation with its input schema. Load the schema and execute the call - credentials are injected automatically.

### How many endpoints does the TrueLayer API have?

The TrueLayer API exposes 17 endpoints covering authentication, data, payments operations.

### Can I limit what my agent is allowed to do with the TrueLayer API?

Yes. Because you run Jentic One yourself, your own rules decide which TrueLayer operations and credentials the agent may use. Since the TrueLayer API carries the payment id in the URL path (/v3/payments/{id}/...), you can pin the agent to a single payment so it only drives that payment's authorization flow and reads its status. You choose which operations it may call, so actions like creating new payments or deleting credentials are excluded unless you explicitly allow them.