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Grand Central unified APIs define a vendor-neutral contract between Backbase Engagement Banking Platform and connector implementations. Each connector implements one or more of these API specifications to expose banking functionality through a consistent interface, regardless of the underlying core banking system or third-party vendor.

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Browse the API specifications

Select a version to open the interactive API specification explorer on Backbase.io:

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Available API domains

The following API domains are available in the unified API specification. Each domain defines the contract that connectors must implement to expose the corresponding banking capability.
API: grandcentral-party-apiManages the creation, retrieval, and update of party (customer and business) records. Provides the isCustomer flag to distinguish customer parties from non-customer parties, and supports beneficiary verification operations.Implemented by: core banking connectors
API: grandcentral-party-lifecycle-apiManages identity verification and customer onboarding workflows. Supports applicant creation, identity verification result retrieval, document download, customer screening against global watchlists (sanctions, PEPs, adverse media, AML), and Confirmation of Funds (CoF) consent management.Implemented by: KYC/KYB connectors (ComplyAdvantage, Onfido, Prove)
API: grandcentral-party-reference-apiProvides event-based support for receiving updates on party fields such as email address, phone number, and postal address. Enables inbound party reference connectors to keep party data synchronized.Implemented by: core banking connectors (inbound)
API: grandcentral-payment-order-apiManages the full payment lifecycle: initiation, validation, status retrieval, fee calculation, bank details lookup, standing orders, and scheduled payments. The v2 specification (from 2026.04) aligns with ISO 20022 standards, adding support for remittance information, regulatory reporting, FX contract tracking, and structured address formats.Implemented by: payments connectors (OBPM, Alacriti, SurePay)
API: grandcentral-batch-payment-apiSupports creating and cancelling batches of payments in a single operation. Designed for high-volume use cases such as payroll, vendor transfers, and reimbursements.Implemented by: batch payments connectors (OBPM Batch, Alacriti Batch)
API: grandcentral-fraud-detection-apiEvaluates fraud risk during account opening and transaction processing. Returns risk scores, riskIndicators detailing matched fraud signals, and a decisionFlag providing the vendor-recommended action (Allow, Block, Challenge, or Quarantine).Implemented by: fraud detection connectors (Feedzai, BioCatch)
API: grandcentral-location-data-management-apiProvides address autocomplete and address metadata retrieval for US and international addresses. Banks use the metadata to apply their own validation logic for address input acceptance.Implemented by: address verification connectors (Smarty)
API: grandcentral-deposit-eventProvides event-based deposit account data aligned with the grandcentral-deposit-api specification. Enables downstream systems to receive deposit account updates through event streams.Implemented by: core banking connectors