> ## 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 Products & Leads

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

Unlike bank data and payment initiation requests, product data is non-consented. This means you don’t need to go through a consent flow, making the process of accessing 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 `openid products`:

`/token/client-credentials`

<img src="https://mintcdn.com/adcb/AF3MCuaS1yD3OgpA/images/api/Spotlight_10.png?fit=max&auto=format&n=AF3MCuaS1yD3OgpA&q=85&s=0caf9938fff14ff9453f59e86b7676a3" alt="/token/client-credentials" className="rounded-lg" width="2644" height="1265" data-path="images/api/Spotlight_10.png" />

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

## Step 2 – Getting products

Now that you have the required access token you can get the bank data payment by making a `GET` request to the following endpoint:

`/open-finance/product/v1.2/products`

<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" />

Behind the scenes, this request triggers [Retrieve Products  (GET /products)](../../products-leads/) to the Al Tareq Sandbox Model Bank to retrieve the available products.

#### Products Response

```json theme={null}
{
  "Data": [
    {
      "LFIId": "100000000000000000001001",
      "LFIBrandId": "100000000000000000002001",
      "Products": [
        {
          "ProductId": "100000000000000000003001",
          "ProductName": "Savings Account",
          "ProductCategory": "SavingsAccount",
          "Description": "A high-interest savings account.",
          "EffectiveFromDateTime": "2023-01-01T00:00:00Z",
          "EffectiveToDateTime": "2025-01-01T00:00:00Z",
          "LastUpdatedDateTime": "2024-12-01T12:00:00Z",
          "IsShariaCompliant": true,
          "ShariaInformation": "Fully compliant with Islamic principles.",
          "IsSalaryTransferRequired": false,
          "Links": {
            "ApplicationUri": "https://example.com/apply",
            "KfsUri": "https://example.com/kfs",
            "OverviewUri": "https://example.com/overview",
            "TermsUri": "https://example.com/terms",
            "FeesAndPricingUri": "https://example.com/fees",
            "ScheduleOfChargesUri": "https://example.com/charges",
            "EligibilityUri": "https://example.com/eligibility",
            "CardImageUri": "https://example.com/card-image"
          },
          "Eligibility": {
            "ResidenceStatus": [
              {
                "Type": "UaeResident",
                "Description": "A person who is a resident of the UAE."
              }
            ],
            "EmploymentStatus": [
              {
                "Type": "Salaried",
                "Description": "Employed individuals with regular income."
              }
            ],
            "CustomerType": [
              {
                "Type": "Retail",
                "Description": "Individual customers."
              }
            ],
            "AccountOwnership": [
              {
                "Type": "Individual",
                "Description": "Owned by a single individual."
              }
            ],
            "Age": [
              {
                "Type": "MinimumAge",
                "Description": "Minimum age required.",
                "Value": 18
              }
            ],
            "AdditionalEligibility": [
              {
                "Type": "Student",
                "Description": "Available to students with a valid student ID."
              }
            ]
          },
          "Channels": [
            {
              "Type": "Internet",
              "Description": "Accessible online."
            }
          ],
          "Product": {
            "SavingsAccount": {
              "Type": "Savings",
              "Description": "A standard savings account product.",
              "MinimumBalance": {
                "Amount": "1000",
                "Currency": "AED"
              },
              "AnnualReturn": 3.5,
              "Documentation": [
                {
                  "Type": "SalarySlip",
                  "Description": "Salary Slip"
                },
                {
                  "Type": "BusinessOwnership",
                  "Description": "Business Ownership"
                }
              ],
              "Features": [
                {
                  "Type": "DebitCard",
                  "Description": "Includes a debit card for easy withdrawals."
                },
                {
                  "Type": "FreeATMAccess",
                  "Description": "Free access to ATMs worldwide."
                }
              ],
              "Fees": [
                {
                  "Type": "MonthlyFees",
                  "Period": "Daily",
                  "Name": "Monthly Maintenance Fee",
                  "Description": "Fee for maintaining the account.",
                  "Unit": "Amount",
                  "Amount": {
                    "Amount": "5",
                    "Currency": "AED"
                  },
                  "Percentage": 100,
                  "UnitValue": 1,
                  "MaximumUnitValue": 10
                }
              ],
              "Limits": [
                {
                  "Type": "MaximumBalance",
                  "Description": "The maximum balance allowed in the account.",
                  "Value": 100000
                }
              ],
              "Benefits": [
                {
                  "Type": "Cashback",
                  "Name": "Monthly Cashback",
                  "Description": "Earn cashback on transactions.",
                  "Value": 2
                }
              ]
            }
          }
          ....
```