Security Grade For Regulated Financial And Sensitive APIs.
Meet the highest security bar for open banking, insurance, healthcare, and government APIs. FAPI-compliant from the ground up — not bolted-on compliance theater.
Standard OAuth Is Not Enough For High-risk APIs
OAuth 2.0 was designed for general-purpose authorization, not the security requirements of high-risk APIs in financial services, healthcare, and government. Token interception, authorization code injection, cross-site request forgery, and replay attacks are all real threats that standard OAuth flows don't fully mitigate. Regulators now mandate FAPI-conformant implementations with technical conformance testing.
FAPI-native, Not FAPI-compliant As An Afterthought
SecureAuth applies enhanced API security measures aligned to high-assurance authorization and authentication requirements. FAPI 2.0 conformance is built into the core platform — PAR, JAR, JARM, DPoP, mTLS, and private_key_jwt are all available out of the box, not as paid add-ons or custom development engagements.
Where FAPI security matters
Real Environments SecureAuth Is Built For
FAPI security isn't just for open banking. Healthcare, government, energy, and any ecosystem sharing sensitive data through APIs needs the cryptographic guarantees that standard OAuth can't provide.
FAPI-conformant authorization for third-party providers
A bank operating as an Account Servicing Payment Service Provider (ASPSP) must provide FAPI-conformant authorization for third-party providers accessing account data. Standard OAuth 2.0 flows lack the token binding and request integrity guarantees that regulators require.
SecureAuth approach
SecureAuth handles the full FAPI 2.0 flow out of the box: PAR for request integrity, DPoP for sender-constrained tokens, JARM for signed responses. Conformance tested, not just claimed. Third-party providers access account data with cryptographic proof at every step.
SMART on FHIR with FAPI-grade security
Healthcare systems exposing patient data via FHIR APIs need security beyond standard OAuth. Patient-authorized third-party apps must access data with consent that is cryptographically verifiable and auditable.
SecureAuth approach
SMART on FHIR uses the same FAPI security profiles. SecureAuth provides PAR and DPoP for patient-consented access that is cryptographically secure, auditable, and compliant with healthcare data sharing frameworks.
High-assurance citizen API authorization
Government digital services require the highest assurance for citizen-facing APIs. Token replay, authorization code injection, and cross-site request forgery are all real threats that standard OAuth flows don't fully mitigate.
SecureAuth approach
DPoP and mTLS provide the binding guarantees that government security frameworks demand. Every token is sender-constrained, every request object is signed, and every authorization response is integrity-protected.
CDR-compliant data exchange for regulated ecosystems
Australia's Consumer Data Right (CDR) and similar data-sharing frameworks require FAPI 2.0 conformance for accredited data recipients accessing consumer data. Building a custom FAPI security layer is a multi-month engineering project.
SecureAuth approach
SecureAuth provides CDR-compliant FAPI 2.0 with mTLS client authentication out of the box. Energy retailers and data holders meet CDR technical standards without building a custom security layer. Conformance, not just compliance.
FAPI security controls
Six Layers Of Security Beyond Standard OAuth.
FAPI doesn't just add one extra check — it replaces vulnerable patterns at every stage of the authorization flow. Request integrity, response integrity, token binding, and client authentication are all cryptographically enforced.
Pushed Authorization Requests (PAR)
Request object integrity verified before the browser redirect. Authorization parameters sent server-to-server, preventing tampering in the front channel.
JWT Authorization Requests (JAR)
Signed and optionally encrypted request objects ensure the authorization server receives exactly what the client intended. No parameter injection or modification.
JWT Authorization Response Mode (JARM)
Signed authorization response prevents token leakage via referrer. The client verifies the response came from the legitimate authorization server.
DPoP sender-constrained tokens
Token bound to the client's proof-of-possession key. A stolen token is cryptographically unusable without the corresponding private key.
mTLS client certificate binding
Mutual TLS for the highest-assurance client authentication and token binding. Client identity verified at the transport layer, not just the application layer.
Industry solutions
Built For How Your Industry Works
FAPI-grade API security for regulated and high-assurance ecosystems across sectors.
Banking & Open Finance
Full FAPI 2.0 conformance for ASPSPs and TPPs. Open Banking UK (OBIE) directory integration, PSD2 Berlin Group compliance, and Brazil PIX authorization flows supported natively.
Healthcare
SMART on FHIR uses FAPI security profiles for patient-authorized third-party app access. Cryptographically verified consent, auditable data sharing, and HIPAA-grade access control.
Government
High-assurance citizen authentication and government API access. DPoP and mTLS provide the binding guarantees that government security frameworks demand for sensitive data APIs.
Energy & Utilities
Australian CDR-compliant energy data sharing. FAPI 2.0 with mTLS satisfies CDR technical standards for accredited data recipients accessing consumption data.
Insurance
Open insurance frameworks emerging globally require FAPI-grade security for policyholder data sharing. Future-proof your API authorization before mandates arrive.
“We evaluated four IAM vendors for our open banking platform. SecureAuth was the only one that could demonstrate FAPI 2.0 conformance without a significant custom development engagement.”
Open Banking Platform Lead — Tier 1 UK Bank
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