FIS Profile API
FIS Profile is a modern, real-time, multicurrency core banking system that powers deposits, lending, account origination, and digital banking for retail and commercial financial institutions, running production instances that manage tens of millions of accounts across 30+ countries. An unofficial API lets you programmatically pull accounts, deposits, loans, customers, and transactions—and push updates like new account openings, deposits, loan originations, and payments back into Profile.
What is FIS Profile?
FIS Profile is a modern, real-time, multicurrency core banking system from FIS, engineered to help retail and commercial financial organizations process deposits and loans continuously with 24/7 availability. Institutions use Profile to administer accounts, originate deposits and loans, open accounts, run fraud and risk controls, and power digital banking—with configurable products that can be launched within days. A single production instance has managed around 80 million accounts across more than 30 countries on four continents.
Core product areas include:
- Core Banking (real-time, multicurrency processing with continuous 24/7 availability)
- Account Origination (account opening, broker portal, and Buy Now Pay Later)
- Deposits & Lending (multicurrency deposit and loan support with configurable features)
- Fraud & Risk Management (AML, KYC, and fraud detection)
- Digital Banking (mobile banking and customer insights)
- Business Support (workflow management, product/pricing configuration, and communications)
- FIS Code Connect (API marketplace exposing banking, payments, and consumer finance APIs over OAuth)
Common data entities:
- Customers, Parties, Relationships, KYC Profiles
- Accounts, Deposit Accounts, Balances, Holds
- Loans, Loan Originations, Repayment Schedules, Disbursements
- Transactions, Postings, Payments, Transfers
- Products, Pricing, Interest Rules, Fee Schedules
- Account Origination Applications, Broker Submissions, BNPL Plans
The FIS Profile Integration Challenge
Banks run mission-critical deposit and lending workloads on Profile around the clock, but turning core-banking access into reliable API-driven automation is non-trivial:
- Partner and entitlement gates: Code Connect API subscriptions, OAuth credentials, and sandbox-to-production promotion typically require institution-level approval before live data flows
- Per-bank configuration: Product definitions, pricing, interest rules, and workflows are tailored per institution—generic integrations break across deployments
- API coverage variability: Code Connect exposes hundreds of APIs across banking, payments, and consumer finance, but the catalog a given bank enables differs by module, version, and deployment model
- Real-time correctness: Multicurrency, 24/7 posting means transfers, holds, and loan transactions need precise effective-date, currency, and idempotency handling
- Authentication complexity: OAuth flows, token rotation, and MFA-protected admin surfaces complicate headless automation
- Origination and document workflows: Account opening, broker submissions, BNPL plans, and KYC require careful state, upload, and audit handling
How Supergood Creates FIS Profile APIs
Supergood reverse-engineers authenticated browser flows and FIS Code Connect interactions to deliver a resilient API layer for your Profile deployment—across deposits, lending, origination, and customer data.
- Handles OAuth, username/password, and MFA (SMS, email, TOTP) securely
- Maintains session continuity with automated token refresh and change detection
- Normalizes responses across accounts, deposits, loans, transactions, and customers so you integrate once and rely on consistent objects
- Aligns with bank-specific product definitions, pricing rules, and entitlements to ensure compliant access
Use FIS Profile with AI agents: FIS Profile MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your modules, Code Connect entitlements, and authentication model.
- Supergood Generates and Validates Your API
We deliver a production-ready Profile adapter tailored to your bank's configuration and entitlements.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as Profile and Code Connect evolve.
Potential API Endpoints
Authentication
/authenticateAuthenticate to a Profile deployment via OAuth or username/password (with MFA) and obtain a session token for downstream calls.
Accounts
/accountsList deposit and loan accounts with filters for customer, product, currency, status, and balance range.
Account Origination
/open_accountOpen a new deposit account or submit an origination application against the bank's configured product definition.
Customers
/customersRetrieve customer, party, relationship, and KYC profile records with status and identifier filters.
Lending
/create_loanOriginate a loan against a customer with product, amount, currency, and repayment schedule details.
Transactions
/transactionsPull postings, payments, and transfers across accounts with date-range, currency, and type filters.
Use Cases
Sync core banking data into your warehouse
- Pull accounts, balances, and deposit/loan records from Profile into a single data warehouse - Stream transaction, posting, and payment events to downstream BI, reconciliation, and fraud tools - Reconcile customer, party, and KYC records across systems for a unified customer 360
Automate account origination and onboarding
- Push new account-opening and broker-portal applications into Profile without portal clicks - Trigger KYC/AML checks and attach results to the origination application - Route approvals, declines, and BNPL plan setups back to your onboarding workflows
Streamline deposits and lending operations
- Originate loans and set repayment schedules programmatically across currencies - Sync disbursements, repayments, and balances into general ledger and AR systems - Surface delinquent or at-risk accounts to retention and collections workflows
Move money and reconcile payments
- Initiate transfers and payments and confirm real-time posting status - Match transactions against expected settlements for daily reconciliation - Apply holds and release them based on downstream risk decisions
Technical Requirements
Authentication
OAuth, username/password, and MFA (SMS, email, TOTP) handled in a managed session
Connectivity
Authenticated browser flows plus FIS Code Connect APIs surfaced where enabled for your institution
Response format
Normalized JSON across Accounts, Deposits, Loans, Transactions, and Customer objects
Rate limits
Adaptive throttling tuned to your deployment to avoid bank-side and Code Connect limits
Session management
Automatic token refresh, MFA replay handling, and credential rotation
Data freshness
Near real-time pulls for accounts, transactions, and loans with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access tokens, SOC 2-aligned controls, and audit logging
Webhooks
Event-style callbacks for account opening, posting, payment, loan status, and balance changes
Latency
Sub-second reads on cached entities; multi-second writes when posting through origination and lending workflows
Throughput
Horizontally scaled workers sized to real-time, multicurrency core-banking volume
Reliability
Retry, backoff, and idempotency keys for transfers, postings, and loan transactions
Adaptation
Continuous monitoring of Profile releases, Code Connect API changes, and bank-specific configuration drift
Frequently asked questions
Yes. Supergood normalizes data across Profile's deposit and lending modules, including multicurrency accounts, so you can integrate account, balance, loan, and transaction entities once across both books of business.
Where your institution has enabled Code Connect APIs, Supergood uses them directly. Where coverage is limited, we work against your authenticated Profile sessions, so you are not blocked waiting on additional API subscriptions.
Each deployment is profiled against its configured products, pricing, and interest rules. Supergood preserves bank-specific fields, currencies, and entitlements rather than forcing a generic schema.
Yes. Profile is multicurrency by design, and Supergood preserves currency, effective-date, and posting semantics on both reads and writes so cross-currency accounts and transactions remain accurate.
Supergood manages OAuth and username/password flows, including MFA, inside a secure session with automatic token refresh and credential rotation, so integrations run reliably without manual re-authentication.