Loan Management

Metro 2 Integration for Temenos

Integrate with Temenos Transact (formerly T24) — a core banking platform used by 700+ banks globally — via its REST API library of 297 APIs across 9 categories. The developer portal at developer.temenos.com exposes lending-specific endpoints in the Holdings category (107 APIs) covering personal, commercial, mortgage, and line-of-credit loans. Metro2 maps Temenos loan data to U.S. Metro 2 format, handling the conversion from Temenos's global data model to CDIA-compliant credit bureau files. Temenos does not include U.S.-specific Metro 2 reporting natively.

How It Works

Metro2 authenticates to Temenos Transact via OAuth 2.0 / OpenID Connect (Keycloak). Loan and customer data is pulled through the Holdings and Party REST APIs. JSON responses (converted from OFS XML internally) are mapped to Metro 2 Base Segment fields and submitted to U.S. credit bureaus.

Temenos

Metro2

Credit Bureaus

API Integration Details

Technical details about connecting to the Temenos API.

Authentication

OAuth 2.0 / OpenID Connect (via Keycloak or compatible IAM)

Base URL

https://developer.temenos.com/transact-apis

Documentation

View Docs

Sandbox

Available

Pricing

Enterprise pricing only — average annual contract ~$518K based on 2024 data. Licensing based on modules, transaction volumes, and institution size.

Key API Endpoints

Method	Endpoint	Description
GET	/holdings/loans	Returns loan accounts with balances, due amounts, payment history, and collateral.
GET	/party/customers	Returns customer records with identification, address, and contact information.
GET	/holdings/creditAgreements	Returns credit agreement data including facility types and participation structures.
GET	/order/paymentOrders	Returns payment orders and transaction records.
GET	/product/loanConditions	Returns loan product definitions with parameters, rates, and terms.
GET	/reference/codes	Returns reference data tables for currencies, countries, and system codes.

Benefits

297 REST APIs Across 9 Categories

Temenos exposes 297 APIs organized into Enterprise, Holdings (107 — including loans), Meta, Order, Party, Product, Reference, Settings, and System categories.

107 Holdings APIs for Loan Data

The Holdings category covers accounts, deposits, loans, and treasury positions. Create and manage personal, commercial, mortgage, and line-of-credit loans.

Global-to-Local Data Mapping

Temenos is a global platform. Metro2 handles the conversion from Temenos's international data model to U.S.-specific Metro 2 format and CDIA compliance requirements.

Comprehensive Loan Lifecycle

Temenos covers credit agreements, single-level facilities, multi-facility, club loans, and syndicated loans with full lifecycle data.

OpenAPI/Swagger Specifications

All APIs are documented with OpenAPI/Swagger specs. Postman collections are available for rapid testing and development.

Data Fields That Sync

Metro2 maps these fields from Temenos to Metro 2 format automatically.

Customer (party) data from Party APIs (29 APIs) — name, identification, address, contact info
Loan details from Holdings APIs — balances, due amounts, payment history, collateral, limits
Credit agreement data — facility types, participation structures, limit tracking
Payment orders and transaction history from Order APIs (43 APIs)
Product definitions from Product APIs (10 APIs) — loan conditions and parameters
Reference data from Reference APIs (64 APIs) — currencies, countries, IBAN, code tables

Get Set Up in 5 Steps

Access Temenos Developer Portal

Register at developer.temenos.com and obtain OAuth 2.0/OIDC credentials. Review the Transact APIs documentation for your deployment version.

Configure OAuth 2.0 in Metro2

Enter your Temenos OAuth credentials. Authentication uses Keycloak or compatible IAM with JWT tokens.

Map Global Fields to Metro 2

Temenos uses underscore notation (MNEMONIC_1_1, SHORT__NAME_1_1) and a global data model. Configure mappings to U.S. Metro 2 fields.

Test with Postman Collections

Use Temenos-provided Postman collections to validate data retrieval before enabling automated sync.

Enable Production Reporting

Connect to your production Temenos instance and enable monthly Metro 2 submissions.

Frequently Asked Questions

How many APIs does Temenos expose?

Temenos Transact exposes 297 APIs across 9 categories. The Holdings category (107 APIs) is most relevant for loan data, while Party (29 APIs) provides customer information.

Does Temenos work for U.S. credit reporting?

Temenos is a global platform used by 700+ banks worldwide. It does not include U.S.-specific Metro 2 reporting natively. This Metro2 integration handles the conversion from Temenos's global data model to CDIA-compliant Metro 2 format.

What authentication does Temenos use?

Temenos uses OAuth 2.0 / OpenID Connect via Keycloak or compatible IAM. The underlying OFS (Open Financial Services) protocol wraps XML responses reformatted as JSON.

What Temenos version is required?

Temenos Transact R16 or higher is required. TAFJServices.war must be deployed in TAFJEE_EAR.ear with the T24 endpoint accessible at the configured IP/port.

Does this work with Temenos Infinity?

Yes. Temenos Infinity (digital banking) uses the same underlying Transact core and APIs. Data from both layers can be mapped to Metro 2.

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Ready to Connect Temenos?

Start reporting to credit bureaus from Temenos today. Our team will help you get set up quickly.