URL: /baas/api/capabilities

---
title: "API Capabilities"
description: "Standard capability configurations available through the FinHub API"
---

# API Capabilities

The FinHub API provides access to a comprehensive set of capabilities that can be configured based on your subscription tier. Each capability is identified by a standard code (SCTxx) and can be enabled or configured to different levels depending on your integration needs.

## Capability Categories

<CardGroup cols={2}>
  <Card title="Core Capabilities" icon="cube" href="/baas/api/capabilities/sct03-country-operation">
    SCT03, 10, 13: Country operations, wallets, asset management
  </Card>
  <Card title="Payment Capabilities" icon="credit-card" href="/baas/api/capabilities/sct04-instant-payment">
    SCT04, 09, 12: Payments, multi-currency, financial networks
  </Card>
  <Card title="Management Capabilities" icon="chart-line" href="/baas/api/capabilities/sct05-subscription-management">
    SCT05, 06, 11: Subscriptions, analytics, compliance
  </Card>
  <Card title="Advanced Capabilities" icon="rocket" href="/baas/api/capabilities/sct07-omni-channel">
    SCT07: Omni-channel integration
  </Card>
</CardGroup>

## Available Capabilities

### Core Capabilities

| Code | Capability | Description |
|------|------------|-------------|
| **SCT03** | Country of Operation | Define operational countries and regional compliance |
| **SCT10** | Closed-loop Operation | Internal wallet system and closed network transactions |
| **SCT13** | Financial Asset Management | Portfolio management and investment tracking |

### Payment Capabilities

| Code | Capability | Description |
|------|------------|-------------|
| **SCT04** | Instant Payment | Real-time payment processing and fund transfers |
| **SCT09** | Multi-Currency Financial Operation | Multi-currency accounts and FX services |
| **SCT12** | Financial Network Access | Connectivity to SEPA, SWIFT, and local rails |

### Management Capabilities

| Code | Capability | Description |
|------|------------|-------------|
| **SCT05** | Subscription Business Performance Management | Recurring billing and subscription analytics |
| **SCT06** | Decision Support System | Business intelligence and predictive analytics |
| **SCT11** | Compliance Management | KYC/AML workflows and regulatory reporting |

### Advanced Capabilities

| Code | Capability | Description |
|------|------------|-------------|
| **SCT07** | Omni Channel | Cross-channel transaction continuity |

## Capability Configuration by Subscription Tier

| Tier | Included Capabilities |
|------|----------------------|
| **Starter** | SCT03 (Single), SCT04 (Basic), SCT11 (Basic) |
| **Professional** | SCT03-04 (Standard), SCT05-06 (Standard), SCT09 (Standard), SCT11 (Standard) |
| **Enterprise** | All capabilities at Advanced level |
| **Custom** | Tailored configuration based on requirements |

Contact your account manager for detailed information on subscription tiers and availability.

## API vs CoreX Capabilities

<Note>
The API Service Model provides access to **10 of the 13** FinHub capabilities. Distribution channel capabilities (SCT01, SCT02) and external card processing (SCT08) are only available through the CoreX white-label platform.
</Note>

| Capability | API | CoreX |
|------------|-----|-------|
| SCT01 - B2C Distribution Channel | ❌ | ✅ |
| SCT02 - B2B Distribution Channel | ❌ | ✅ |
| SCT03 - Country of Operation | ✅ | ✅ |
| SCT04 - Instant Payment | ✅ | ✅ |
| SCT05 - Subscription Management | ✅ | ✅ |
| SCT06 - Decision Support | ✅ | ✅ |
| SCT07 - Omni Channel | ✅ | ✅ |
| SCT08 - External Bank Cards | ❌ | ✅ |
| SCT09 - Multi-Currency | ✅ | ✅ |
| SCT10 - Closed-loop | ✅ | ✅ |
| SCT11 - Compliance | ✅ | ✅ |
| SCT12 - Financial Network | ✅ | ✅ |
| SCT13 - Asset Management | ✅ | ✅ |

## Next Steps

<CardGroup cols={2}>
  <Card title="Country of Operation" icon="globe" href="/baas/api/capabilities/sct03-country-operation">
    SCT03 - Configure operational regions
  </Card>
  <Card title="Instant Payment" icon="bolt" href="/baas/api/capabilities/sct04-instant-payment">
    SCT04 - Real-time payment processing
  </Card>
</CardGroup>