> ## Documentation Index
> Fetch the complete documentation index at: https://docs.openfinance-hackathon.com/llms.txt
> Use this file to discover all available pages before exploring further.

# API | Open Finance CoP

> Step-by-step guide to initiate your first Open Products request using the Starter Kit API, including obtaining an access token, and initiating a Confirmation of Payee request.

Similar to product data, Confirmation of Payee requests are non-consented. This means you don’t need to go through a consent flow, making the process of making a Confirmation of Payee request this data much simpler.

## Step 1 - Get a `client-credentials` scoped Access Token

To create a client credentials token send a POST request to the following endpoint, with the scope `confirmation-of-payee`:

`/token/client-credentials`

<img src="https://mintcdn.com/adcb/AF3MCuaS1yD3OgpA/images/api/Spotlight_12.png?fit=max&auto=format&n=AF3MCuaS1yD3OgpA&q=85&s=4631a2662a22a3c9e5e3e5ad53745837" alt="/token/client-credentials" className="rounded-lg" width="2607" height="1297" data-path="images/api/Spotlight_12.png" />

```json theme={null}
{
  "access_token": "a444a69e-1e97-4fc6-844f-e3ecfd71700e",
  "token_type": "Bearer",
  "expires_in": 600,
  "scope": "products"
}
```

## Step 2 - Get a `client-credentials` scoped Access Token

Now that you have the required access token you can make the confirmation of payee request by making a `POST` request to the following endpoint:

`/open-finance/confirmation-of-payee/v1.2/confirmation`

<img src="https://mintcdn.com/adcb/AF3MCuaS1yD3OgpA/images/api/Spotlight_8.png?fit=max&auto=format&n=AF3MCuaS1yD3OgpA&q=85&s=a3668012d6a4d52370497c120b34a3e8" alt="authorize_endpoint" className="rounded-lg" width="2620" height="432" data-path="images/api/Spotlight_8.png" />

<img src="https://mintcdn.com/adcb/AF3MCuaS1yD3OgpA/images/api/Spotlight_7.png?fit=max&auto=format&n=AF3MCuaS1yD3OgpA&q=85&s=78adb894acc17972071c357b43d4fb84" alt="enter_access_token" className="rounded-lg" width="1298" height="709" data-path="images/api/Spotlight_7.png" />

including the account holder’s name and IBAN in the request body to you are verifying.

Behind the scenes, this request triggers [Confirm the account details are correct based on the parameters supplied  (POST /open-finance/confirmation-of-payee/v1.2/confirmation)](../../confirmation-of-payee/) to the Al Tareq Sandbox Model Bank verify the account against the account holder's details.

#### Confirmation of Payee Response

If you have successfully made the CoP request, you will receive a **200** response with a **JWT**, for example:

```bash theme={null}
eyJhbGciOiJQUzI1NiIsImtpZCI6IkxTUXhZc0thR2RzMk9lZS1pR01jYmVLd3c0SXplNXo4bG10YWhJMDRHLTQifQ.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.qsvydp8lXa-rVuw4ZQd_YyHyXgHAXqi85EDuFQ3A1Yf3sDtGUJl4v_xK9xXODtK3MrOOwnpc_4FXbo3BQ2xZN95GuhCO4zI048qkijuvYBLasjfcBhbwipJJ3gPIzKv8sWgHM66bQLaJDgftf5XoL6EgNP_FXMoOmYaswTmn0FggXdsRzY5IPOBS3kMZbXvlIxHs9azJu-I88KZLY1sSOVtoPT7OTbt81TTft5VfhfpeXdBTgJJaWaAItQg7HGw8R7TnbnBiOvJv1Ge4O25_W8s7LIFaByr6t35vW7Ujhkg0X0ZttG9hHhjBHWMwlVw8Fx4bW1JNNBb3TUM9F3XizA
```

and the decoded payload:

```json theme={null}
  {
    "message": {
      "Data": {
        "NameMatchIndicator": "ConfirmationOfPayee.Yes",
        "MaskedName": "Nou** Al Mazr****"
      },
      "Meta": {},
      "Links": {
        "Self": "https://rs1.altareq1.sandbox.apihub.openfinance.ae/open-finance/confirmation-of-payee/v1.2/confirmation"
      }
    },
    "iss": "https://auth1.altareq1.sandbox.apihub.openfinance.ae",
   ....
  }
```