--- title: Temenos API Integration on Truto slug: temenos category: Default canonical: "https://truto.one/integrations/detail/temenos/" --- # Temenos API Integration on Truto **Category:** Default **Status:** Beta ## How it works 1. **Link your customer's Temenos account.** Use Truto's frontend SDK; we handle every OAuth and API key flow so you don't need to create the OAuth app. 2. **Authentication is automatic.** Truto refreshes tokens, stores credentials securely, and injects them into every API request. 3. **Call Truto's API to reach Temenos.** The Proxy API is a 1-to-1 mapping of the Temenos API. 4. **Get a unified response format.** Every response uses a single shape, with cursor-based pagination and data in the `result` field. ## Use cases - **Automate loan origination directly on a bank's core ledger** — Loan origination platforms can push approved loan data into Temenos Transact to create loan accounts and trigger disbursements, eliminating manual re-keying by bank staff and reducing time-to-fund from days to minutes. - **Sync real-time account and balance data for compliance monitoring** — RegTech and AML platforms need continuous access to customer holdings, transaction histories, and party data from Temenos to run risk-scoring models and flag suspicious activity without requiring banks to build custom data exports. - **Power corporate treasury dashboards with live core banking data** — Treasury management and spend platforms can pull multi-currency balances and transaction statuses from Temenos to give corporate treasurers real-time cash visibility and initiate bulk vendor payouts directly from their interface. - **Enable digital account opening with core system write-back** — Digital onboarding platforms capture applicant data in a modern front-end and need to instantiate deposit or checking accounts on the bank's Temenos ledger via the Arrangement Architecture APIs, closing the loop between digital experience and core record. - **Surface accurate product pricing from the bank's own configuration** — SaaS platforms offering rate comparison, pre-qualification, or embedded lending need to query a bank's live interest rates and fee structures from Temenos so end-users always see accurate, institution-specific pricing. ## What you can build - **Real-time balance and holdings sync** — Pull customer account balances, active loans, and deposit positions from Temenos Transact into your platform on a continuous or on-demand basis. - **Automated loan account creation** — Push approved loan payloads from your origination workflow into Temenos to create the loan arrangement on the bank's core ledger without manual intervention. - **Customer and KYC data synchronization** — Read and write customer entity data — including contact details, KYC status, and corporate structures — between your platform and the Temenos Party domain. - **Payment instruction submission** — Initiate single, bulk, or recurring payment orders directly into the Temenos Payments Hub from your SaaS interface for ACH, wire, or payroll execution. - **Product catalog and rate ingestion** — Query a bank's live product configurations, interest rate tiers, and fee schedules from Temenos to display accurate pricing inside your application. - **Event-driven workflow triggers** — Subscribe to Temenos event-driven architecture webhooks for ledger state changes — like loan activation or payment clearing — to kick off automated workflows in your product. ## FAQs ### Is the Temenos integration available out of the box on Truto? The Temenos integration is built on request. Once you reach out, Truto's team will scope the specific Temenos Transact API domains you need (e.g., Holdings, Party, Arrangement Architecture, Payments) and build the connector tailored to your use case. ### How does authentication work with Temenos APIs? Temenos Transact typically supports OAuth 2.0 for its cloud and open banking APIs, and may use basic authentication or token-based auth for on-premise deployments. Truto handles the auth flow so your team doesn't need to manage tokens, refreshes, or institution-specific configurations. ### Can Truto handle differences between Temenos deployments at different banks? Yes. Temenos instances are frequently customized per bank — different product configurations, custom fields, and API versions. Truto abstracts these variations so your integration works across multiple bank deployments without per-customer re-engineering. ### Does the integration support both read and write operations? The scope of read and write operations depends on which Temenos API domains are configured. Common patterns include read-heavy syncs (balances, customer data) and write operations (loan creation, payment initiation). Truto will build support for the specific operations your workflows require. ### How does Truto handle pagination and rate limits for Temenos APIs? Truto manages pagination, rate limiting, and retry logic automatically. Since Temenos API rate limits and pagination schemes can vary by deployment and API domain, Truto normalizes these so your application receives consistent, complete data sets without manual handling. ### Can I receive real-time notifications for events in Temenos? Temenos supports an Event-Driven Architecture (EDA) that publishes ledger events like account status changes and payment clearances. Truto can integrate with these event streams to deliver webhook-style notifications to your application, enabling real-time downstream workflows.