fhbo-usa provides structured, institution-grade reviews of API credentials issued by U.S. financial institutions — covering first-party bank APIs, open banking endpoints, and payment network tokens. Our audit process ensures your integrations meet regulatory standards, security baselines, and operational resilience requirements.
No commitment required. Your information is kept confidential per our Privacy Policy.
Plaid Link Token
Open Banking
FRB Payment API
Fed Network
Wells Fargo OAuth
First-Party Bank
Visa Direct Token
Payment Network
Sample audit dashboard — fhbo-usa review interface
Each engagement is scoped, documented, and delivered by practitioners with direct U.S. banking API experience — not generalist consultants.
Comprehensive review of your API permission architecture — we map every key's granted scope against your actual business requirements to eliminate over-privileged credentials before they become a liability.
Deliverables
End-to-end evaluation of how API credentials are created, stored, rotated, and retired throughout your organization — ensuring your practices align with FFIEC guidelines and modern security standards.
Deliverables
Structured end-to-end testing of your integrations across U.S. banking rails — ACH, wire, RTP, and FedNow — validating both production endpoints and sandbox environments for latency, reliability, and error handling.
Deliverables
A focused 60-minute briefing session with your engineering and compliance teams, presenting findings from prior assessments and translating technical risks into actionable priorities for your roadmap.
Deliverables
Services can be bundled or procured individually. Contact our team at [email protected] to discuss a scoped engagement tailored to your infrastructure.
fhbo-usa brings deep advisory knowledge across the full spectrum of U.S. financial infrastructure — from national bank open banking frameworks to community institution API platforms.
Advisory expertise covering open banking API frameworks offered by the largest U.S. national banks, including data-sharing standards, OAuth 2.0 authorization flows, and consumer-permissioned account access protocols aligned with FDX and CFPB guidance.
Deep expertise in Automated Clearing House (ACH) network integration patterns, including Same Day ACH, WEB debit entries, Nacha file formatting, return code handling, and ODFI/RDFI relationship architecture for payment processing pipelines.
Comprehensive knowledge of network tokenization services from major U.S. card networks, including EMV network tokens, merchant-presented tokenization, push provisioning flows, and lifecycle management APIs for secure card-not-present transactions.
Specialized advisory for integrating with community financial institution technology stacks, including core banking vendors such as Fiserv, FIS, and Jack Henry, as well as CUSO-developed API ecosystems and credit union data exchange standards.
Continuous Ecosystem Monitoring
fhbo-usa tracks evolving U.S. regulatory guidance, Nacha rule updates, FDX standard revisions, and core banking platform releases — ensuring our advisory recommendations reflect current ecosystem realities.
Disclaimer: fhbo-usa is an independent advisory firm and is not affiliated with, endorsed by, or a partner of any named financial institution. All trademarks, service marks, and trade names referenced are the property of their respective owners. References to specific networks, platforms, or standards are for descriptive purposes only.
Every engagement is priced transparently. Choose the tier that fits your organization's scope — or contact us to build a custom advisory package.
Essential Review
A thorough single-credential audit for teams evaluating their first API integration or validating an existing key.
Professional Assessment
Comprehensive multi-credential assessment for growing teams that need structured compliance documentation and expert guidance.
Enterprise Advisory
contact for pricing
Full-scope advisory engagement for financial institutions and large engineering organizations requiring ongoing oversight and SLA coverage.
All prices are in USD. Enterprise pricing is determined by scope, team size, and compliance requirements. Contact our team to discuss a custom engagement.
What's included in every tier
Regardless of tier, every fhbo-usa engagement includes a signed non-disclosure agreement, a dedicated secure submission portal for your credentials, and full compliance with U.S. financial data handling standards. No recurring charges apply unless explicitly agreed upon.
Seamless Financial API Integration for the Modern U.S. Market. Connecting institutions, lenders, and fintechs with compliant, reliable infrastructure.
fhbo-usa operates in compliance with U.S. federal financial regulations, including applicable provisions under the Bank Secrecy Act and relevant CFPB guidelines.
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