The Open Bank Project API
The Open Bank Project is an open source API for banks that enables account holders to interact with their bank using a wider range of applications and services.
The OBP API supports transparency options (enabling account holders to share configurable views of their transaction data with trusted individuals and even the public), data blurring (to preserve sensitive information) and data enrichment (enabling users to add tags, comments and images to transactions).
Thus, the OBP API abstracts away the peculiarities of each core banking system so that a wide range of apps can interact with multiple banks on behalf of the account holder. We want to raise the bar of financial transparency and enable a rich ecosystem of innovative financial applications and services.
Our tag line is: Bank as a Platform. Transparency as an Asset.
The API uses OAuth 1.0 authentication.
The project roadmap is available here.
The API documentation is best viewed using the OBP API Explorer or a third party tool that has imported the OBP Swagger definitions. Please refer to the wiki for links.
OBP instances support multiple versions of the API simultaniously (unless they are deactivated in config) To see the status (DRAFT, STABLE or BLEEDING-EDGE) of an API version, look at the root endpoint e.g. /obp/v2.0.0/root or /obp/v3.0.0/root
On the 8th of June 2017, V2.0.0 was marked as stable.
This project is dual licensed under the AGPL V3 (see NOTICE) and commercial licenses from TESOBE Ltd.
The project uses Maven 3 as its build tool.
To compile and run jetty, install Maven 3, create your configuration in src/main/resources/props/default.props and execute:
./mvn.sh jetty:run
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Make sure you have the IntelliJ Scala plugin installed.
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Create a new folder e.g. OpenBankProject and cd there
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In IntelliJ IDEA do File -> New -> Project from existing sources, navigate to the folder and select pom.xml
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Alternatively you can do File -> New -> Project from VCS and checkout the project directly from github.
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When / if prompted for SDK, choose Java 1.8 (and Scala 2.12) otherwise keep the defaults. Use the Maven options. Do not change the project name etc.
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If you see a message about an unmanaged pom.xml, click the option to let Maven manage it.
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Navigate to test/scala/code/RunWebApp. You may see a Setup Scala SDK link. Click this and check Scala 2.12.4 or so.
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In src/main/resources/props create a test.default.props for tests. Set connector=mapped
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In src/main/resources/props create a <yourloginname>.props (or default.props) for development. Set connector=mapped
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Now Rebuild the project so everything is compiled. At this point you may need to select the SDK, see above.
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Once you have rebuilt the project wihtout compile errors, you should be able to RunWebApp in src/test/scala
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Run RunWebApp by right clicking on it or selecting Run. The built in jetty server should start on localhost:8080
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Browse to localhost:8080 but don't try anything else there yet.
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Run a single test. For instance right click on test/scala/code/branches/MappedBranchProviderTest and select Run Mapp...
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Run multiple tests: Right click on test/scala/code and select Run. If need be: Goto Run / Debug configurations Test Kind: Select All in Package Package: Select code Add the absolute /path-to-your-OBP-API in the "working directory" field You might need to assign more memory via VM Options: e.g. -Xmx1512M -XX:MaxPermSize=512M
Make sure your test.default.props has the minimum settings (see test.default.props.template)
Right click test/scala/code and select the Scala Tests in code to run them all.
Note: You may want to disable some tests not relevant to your setup e.g.: set bank_account_creation_listener=false in test.default.props
- See pom.xml for test configuration
- See http://www.scalatest.org/user_guide
Set memory options
export MAVEN_OPTS="-Xmx3000m -XX:MaxPermSize=512m"
Run one test
mvn -DwildcardSuites=code.api.directloginTest test
If you use Ubuntu (or a derivate) and encrypted home directories (e.g. you have ~/.Private), you might run into the following error when the project is built:
uncaught exception during compilation: java.io.IOException
[ERROR] File name too long
[ERROR] two errors found
[DEBUG] Compilation failed (CompilerInterface)
The current workaround is to move the project directory onto a different partition, e.g. under /opt/ .
The default database for testing etc is H2. PostgreSQL is used for the sandboxes (user accounts, metadata, transaction cache).
Postgres needs to be compiled with SSL support.
Use openssl to create the files you need.
For the steps, see: https://www.howtoforge.com/postgresql-ssl-certificates
In short, edit postgresql.conf
ssl = on
ssl_cert_file = '/etc/YOUR-DIR/server.crt'
ssl_key_file = '/etc/YOUR-DIR/server.key'
And restart postgres.
Now, this should enable SSL (on the same port that Postgres normally listens on) - but it doesn't force it. To force SSL, edit pg_hba.conf replacing the host entries with hostssl
Now in OBP-API Props, edit your db.url and add &ssl=true
e.g.
db.url=jdbc:postgresql://localhost:5432/my_obp_database?user=my_obp_user&password=the_password&ssl=true
Note: Your Java environment may need to be setup correctly to use SSL
Restart OBP-API, if you get an error, check your Java environment can connect to the host over SSL.
Note you can change the log level in /src/main/resources/default.logback.xml (try TRACE or DEBUG)
There is a gist / tool which is useful for this. Search the web for SSLPoke. Note this is an external repository.
e.g. https://gist.github.com/4ndrej/4547029
or
git clone https://github.com/MichalHecko/SSLPoke.git .
gradle jar cd ./build/libs/
java -jar SSLPoke-1.0.jar www.github.com 443
Successfully connected
java -jar SSLPoke-1.0.jar YOUR-POSTGRES-DATABASE-HOST PORT
You can add switches e.g. for debugging.
java -jar -Dhttps.protocols=TLSv1.1,TLSv1.2 -Djavax.net.debug=all SSLPoke-1.0.jar localhost 5432
To import a certificate:
keytool -import -storepass changeit -noprompt -alias localhost_postgres_cert -keystore /Library/Java/JavaVirtualMachines/jdk1.8.0_73.jdk/Contents/Home/jre/lib/security/cacerts -trustcacerts -file /etc/postgres_ssl_certs/server/server.crt
To get certificate from the server / get further debug information:
openssl s_client -connect ip:port
The above section is work in progress.
To populate the OBP database with sandbox data:
- In the API's props file, set
allow_sandbox_data_import=true
Probably best then, is to use the API Explorer (https://github.com/OpenBankProject/API-Explorer):
- Get your
user_id
from the API Explorer at/#2_0_0-getCurrentUser
- Add this id to
super_admin_user_ids
in the API's props file and restart the API - Go back to API Explorer, log in again and grant your user the role
CanCreateSandbox
at/#2_0_0-addEntitlement
(makebank_id
empty) - Now post the JSON data using the payload field at
/#2_1_0-sandboxDataImport
- If successful you should see an empty result
{}
and no error message
If Kafka connector is selected in props (connector=kafka), Kafka and Zookeeper have to be installed, as well as OBP-Kafka-Python (which can be either running from command-propmpt or from inside Docker container):
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Kafka and Zookeeper can be installed using system's default installer or by unpacking the archives (http://apache.mirrors.spacedump.net/kafka/ and http://apache.mirrors.spacedump.net/zookeeper/)
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OBP-Kafka-Python can be downloaded from https://github.com/OpenBankProject/OBP-Kafka-Python
- NGINX Configuration for Load Balancing
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Create file /etc/nginx/sites-available/api
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Configure as follows:
upstream backend { least_conn; server host1:8080; # The name of the server shall be changed as appropriate server host2:8080; server host3:8080; } server { server_name obptest.com www.obptest.com; # The server name should be changed as appropriate access_log /var/log/nginx/api.access.log; error_log /var/log/nginx/api.error.log; location / { proxy_pass http://backend/; } location /obp/v2.1.0/sandbox/data-import { proxy_pass http://backend/; } }
- Zookeeper/Kafka Cluster Setup
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The Zookeeper/Kafka cluster is deployed on 3 nodes. The following configurations need to be done on each of the three nodes
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Zookeeper configuration
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Inside the Kafka directory, edit the file conf/zookeeper.properties and include these lines:
dataDir=/home/user/zookeeper server.1=host1:2888:3888 # The name of the servers shall be changed as appropriate server.2=host2:2888:3888 server.3=host3:2888:3888 initLimit=5 syncLimit=2
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Create a myid file under dataDir which is /home/user/zookeeper in this example:
echo “1” > /home/user/zookeeper/myid #Insert unique id’s on each of the machines
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Start the zookpeer daemons on each of the 3 machines
bin/zookeeper-server-start.sh config/zookeeper.properties &
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Kafka Configuration
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Inside the Kafka directory, edit the file conf/server.properties and include these lines:
broker.id=1 # The broker.id should be unique for each host num.partitions=4 zookeeper.connect=host1:2181,host2:2181,host3:2181
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Start the kafka broker daemons on all the machines:
bin/kafka-server-start.sh config/server.properties &
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Create the topics:
bin/kafka-topics.sh --create --zookeeper host1:2181,host2:2181,host3:2181 --replication-factor 1 --partitions 1 --topic Request bin/kafka-topics.sh --create --zookeeper host1:2181,host2:2181,host3:2181 --replication-factor 1 --partitions 1 --topic Response
- OBP-API
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Configuration
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Edit the OBP-API/src/main/resources/props/default.props so that it contains the following lines. Please note that kafka.host is used by the producer and kafka.zookeeper_host is used by the consumer. This should be done on each node:
connector=kafka # Address to be used by consumer kafka.zookeeper_host=localhost:2181 # Address to be used by producer kafka.host=localhost:9092 kafka.request_topic=Request kafka.response_topic=Response
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Start the server:
cd OBP-API mvn jetty:run
- OBP-JVM
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Build the package:
cd OBP-JVM mvn install
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Run the demo:
java -jar obp-ri-demo/target/obp-ri-demo-2016.9-SNAPSHOT-jar-with-dependencies.jar&
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Here be aware that the name of the jar file might be different, so make sure to use the correct name of the jar file
- OBP-Kafka-Python
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Run from the command line:
cd OBP-Kafka-Python python server.py
- To test the setup, try a request
http://localhost:8080/obp/v2.0.0/banks
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set the status of HttpOnly and Secure cookie flags for production, uncomment the following lines of "webapp/WEB-INF/web.xml" :
<session-config> <cookie-config> <secure>true</secure> <http-only>true</http-only> </cookie-config> </session-config>
We use jetty8 to run the API in production mode.
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Install java and jetty8
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jetty 8 configuration
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Edit the /etc/default/jetty8 file so that it contains the following settings:
NO_START=0 JETTY_HOST=127.0.0.1 #If you want your application to be accessed from other hosts, change this to your IP address JAVA_OPTIONS="-Drun.mode=production -XX:PermSize=256M -XX:MaxPermSize=512M -Xmx768m -verbose -Dobp.resource.dir=$JETTY_HOME/resources -Dprops.resource.dir=$JETTY_HOME/resources"
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In src/main/resources/props create a test.default.props file for tests. Set connector=mapped
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In src/main/resources/props create a default.props file for development. Set connector=mapped
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In src/main/resources/props create a production.default.props file for production. Set connector=mapped.
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This file could be similar to the default.props file created above, or it could include production settings, such as information about Postgresql server, if you are using one. For example, it could have the following line for postgresql configuration.
db.driver=org.postgresql.Driver db.url=jdbc:postgresql://localhost:5432/yourdbname?user=yourdbusername&password=yourpassword
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Now, build the application to generate .war file which will be deployed on jetty8 server:
cd OBP-API/ mvn package
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This will generate OBP-API-1.0.war under OBP-API/target/
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Copy OBP-API-1.0.war to /usr/share/jetty8/webapps/ directory and rename it to root.war
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Edit the /etc/jetty8/jetty.conf file and comment out the lines:
etc/jetty-logging.xml etc/jetty-started.xml
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Now restart jetty8:
sudo service jetty8 restart
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You should now be able to browse to localhost:8080 (or yourIPaddress:8080)
Most internal OBP model data access now occurs over Akka. This is so the machine that has JDBC access to the OBP database can be physically separated from the OBP API layer. In this configuration we run two instances of OBP-API on two different machines and they communicate over Akka. Please see README.Akka.md for instructions.
For SSL encryption we use jks keystores. Note that both the keystore and the truststore (and all keys within) must have the same password for unlocking, for which the api will stop at boot up and ask for.
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Edit your props file(s) to contain:
kafka.use.ssl=true keystore.path=/path/to/api.keystore.jks truststore.path=/path/to/api.truststore.jks
For SSL encryption we use jks keystores. Note that keystore (and all keys within) must have the same password for unlocking, for which the api will stop at boot up and ask for.
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Edit your props file(s) to contain:
jwt.use.ssl=true keystore.path=/path/to/api.keystore.jks keystore.alias=SOME_KEYSTORE_ALIAS
A props key value, XXX, is considered encrypted if has an encryption property (XXX.is_encrypted) in addition to the regular props key name in the props file e.g:
- db.url.is_encrypted=true
- db.url=BASE64URL(SOME_ENCRYPTED_VALUE)
The Encrypt/Decrypt workflow is :
- Encrypt: Array[Byte]
- Helpers.base64Encode(encrypted)
- Props file: String
- Helpers.base64Decode(encryptedValue)
- Decrypt: Array[Byte]
1st, 2nd and 3rd step can be done using an external tool
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Export the public certificate from the keystore:
keytool -export -keystore /PATH/TO/KEYSTORE.jks -alias CERTIFICATE_ALIAS -rfc -file apipub.cert
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Extract the public key from the public certificate
openssl x509 -pubkey -noout -in apipub.cert > PUBKEY.pub
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Get the encrypted propsvalue like in the following bash script (usage ./scriptname.sh /PATH/TO/PUBKEY.pub propsvalue)
#!/bin/bash
echo -n $2 |openssl pkeyutl -pkeyopt rsa_padding_mode:pkcs1 -encrypt -pubin -inkey $1 -out >(base64)
You can obfuscate passwords in the props file the same way as for jetty:
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Create the obfuscated value as described here: https://www.eclipse.org/jetty/documentation/9.3.x/configuring-security-secure-passwords.html
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A props key value, XXX, is considered obfuscated if has an obfuscation property (XXX.is_obfuscated) in addition to the regular props key name in the props file e.g:
- db.url.is_obfuscated=true
- db.url=OBF:fdsafdsakwaetcetcetc
Please refer to the Code Generation for links
You can obfuscate passwords in the props file the same way as for jetty:
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Create the obfuscated value as described here: https://www.eclipse.org/jetty/documentation/9.3.x/configuring-security-secure-passwords.html
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A props key value, XXX, is considered obfuscated if has an obfuscation property (XXX.is_obfuscated) in addition to the regular props key name in the props file e.g:
- db.url.is_obfuscated=true
- db.url=OBF:fdsafdsakwaetcetcetc
We support rate limiting i.e functionality to limit calls per consumer key (App). Only New Style Endpoins
support it. The list of they can be found at this fie: https://github.com/OpenBankProject/OBP-API/blob/develop/src/main/scala/code/api/util/NewStyle.scala.
It is assumed that you have a Redis instance if you wan to use the functionality. In order to make it work edit your props file in next way:
use_consumer_limits=false, In case isn't defined default value is "false"
redis_address=YOUR_REDIS_URL_ADDRESS, In case isn't defined default value is 127.0.0.1
redis_port=YOUR_REDIS_PORT, In case isn't defined default value is 6379
Next types are supported:
1. per second
2. per minute
3. per hour
4. per day
5. per week
6. per month
If you exced rate limit per minute for instance you will get the response:
{
"error": "OBP-10018: Too Many Requests.We only allow 3 requests per minute for this Consumer."
}
and response headers:
X-Rate-Limit-Limit → 3
X-Rate-Limit-Remaining → 0
X-Rate-Limit-Reset → 22
Description of the headers above:
X-Rate-Limit-Limit
- The number of allowed requests in the current periodX-Rate-Limit-Remaining
- The number of remaining requests in the current periodX-Rate-Limit-Reset
- The number of seconds left in the current period
Please note that first will be checked per second
call limit then per minute
etc.
Info about rate limiting availibility at some instance can be found over next API endpoint: https://apisandbox.openbankproject.com/obp/v3.1.0/root. Response we are interested in looks lke:
{
...
,
"rate_limiting":{
"enabled":true,
"redis_available":true,
"is_active":true
}
}
Webhooks are used to call external URLs when certain events happen. Account Webhooks focus on events around accounts. For instance, a webhook could be used to notify an external service if a balance changes on an account. This functionality is work in progress!
There are 3 API's endpoint related to webhooks:
POST ../banks/BANK_ID/account-web-hooks
- Create an Account WebhookPUT ../banks/BANK_ID/account-web-hooks
- Enable/Disable an Account WebhookGET ../management/banks/BANK_ID/account-web-hooks
- Get Account Webhooks
In order to enable an OAuth2 workflow at an instance of OBP-API backend app you need to setup next props:
# -- OAuth 2 ---------------------------------------------------------------
# Enable/Disable OAuth 2 workflow at a server instance
# In case isn't defined default value is false
# allow_oauth2_login=false
# URL of Public server JWK set used for validating bearer JWT access tokens
# oauth2.jwk_set.url=http://localhost:8080/jwk.json
# ----------------------------------------------------------- OAuth 2 ------
OpenID Connect is supported.
Tested Identity providers: Google, MITREId.
Example for Google's OAuth 2.0 implementation for authentication, which conforms to the OpenID Connect specification
allow_oauth2_login=true
oauth2.jwk_set.url=https://www.googleapis.com/oauth2/v3/certs
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We use scala and liftweb http://www.liftweb.net/
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Advanced architecture: http://exploring.liftweb.net/master/index-9.html
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A good book on Lift: "Lift in Action" by Timothy Perrett published by Manning.