{
  "data_version": "seed-0.1 · 2026-08-28",
  "source": "https://banking.foundation",
  "license": {
    "banking_foundation_data": "CC BY 4.0 — attribution: Banking Foundation (https://banking.foundation)",
    "upstream_values": "Figures read out of an issuer's or authority's own document carry a source field and remain that document's facts, not ours to relicense; referenced standards and frameworks belong to their stewards. See https://banking.foundation/api/v1/sources"
  },
  "disclaimer": "Reference data compiled from public sources; not real-time; not legal or investment advice.",
  "note": "Where each dataset comes from, on what terms it may be reused, and what it does not cover.",
  "sources": [
    {
      "id": "sec-edgar",
      "name": "SEC EDGAR — bank filings",
      "url": "https://www.sec.gov/edgar",
      "licence": "Public domain (US government work)",
      "refresh": "Re-read each quarter as 10-Q, 10-K, 20-F and 6-K filings land",
      "feeds": "Total assets for the 10 covered banks that file with the SEC, read from the balance sheet in the filing itself (us-gaap:Assets for US GAAP filers, ifrs-full:Assets for IFRS filers on Form 20-F), with the balance-sheet date and a link to the document",
      "pages": [
        "/banks",
        "/banks/{id}"
      ],
      "api": "/api/v1/banks/{id}",
      "limits": "Only SEC filers. 5 covered banks — ICBC, BNP Paribas, Crédit Agricole, Rabobank and DBS — do not file, and their figures are our own approximations, marked as such on the page and never presented as reported. Balance-sheet dates differ between banks because reporting calendars differ; every figure carries its own date."
    },
    {
      "id": "ecb-fx",
      "name": "European Central Bank — euro reference rates",
      "url": "https://www.ecb.europa.eu/stats/eurofxref/",
      "licence": "Free reuse with attribution",
      "refresh": "Read once per balance-sheet date, not continuously",
      "feeds": "The conversion into dollars for banks that report in euro, yen or another currency — taken on the balance-sheet date itself rather than today, so a past balance sheet is not restated at a rate that never applied to it",
      "pages": [
        "/banks/{id}"
      ],
      "api": "/api/v1/banks/{id}",
      "limits": "A single daily reference rate, not an intraday or transaction rate. Banks apply their own closing rates in their reporting, so a converted figure will differ slightly from the bank's own dollar disclosure where one exists."
    },
    {
      "id": "regulators",
      "name": "Regulators' own public frameworks",
      "url": "https://banking.foundation/regulation",
      "licence": "Public documents; our summaries CC BY 4.0, the frameworks belong to their authorities",
      "refresh": "Checked per data release",
      "feeds": "16 supervisory authorities with their mandates, scope and the frameworks they administer, and the 16 jurisdictions those frameworks apply in",
      "pages": [
        "/regulation",
        "/regulators/{id}",
        "/countries/{id}"
      ],
      "api": "/api/v1/regulators",
      "limits": "These are descriptions of public frameworks, not legal advice, and not the current legal text. Rules change without changing our dataset version — read the regulator's own publication before relying on any of it."
    },
    {
      "id": "standards-bodies",
      "name": "Standards stewards",
      "url": "https://banking.foundation/standards",
      "licence": "We document and link; we do not republish licensed specification text",
      "refresh": "Checked per data release",
      "feeds": "15 standards with their steward, status and what they actually specify — ISO, EMVCo, PCI SSC, the OpenID Foundation, the Berlin Group, Open Banking Limited and FDX among them",
      "pages": [
        "/standards",
        "/standards/{id}"
      ],
      "api": "/api/v1/standards",
      "limits": "Several of these specifications are licensed or membership-gated. We describe scope and status and link to the steward; the normative text stays with its owner and is never mirrored here."
    },
    {
      "id": "operators",
      "name": "Payment-system operator documentation",
      "url": "https://banking.foundation/payments",
      "licence": "Operators' own published material; our compilation CC BY 4.0",
      "refresh": "Checked per data release",
      "feeds": "16 payment networks — card schemes, RTGS systems, instant rails, clearing houses and messaging networks — with their operator, settlement model, currency and region, taken from each operator's own documentation",
      "pages": [
        "/payments",
        "/payment-networks/{id}"
      ],
      "api": "/api/v1/payment-networks",
      "limits": "Operating rules and scheme fees are commercial documents and are not reproduced. Settlement descriptions are the published model, not a guarantee of behaviour in any particular flow."
    },
    {
      "id": "compilation",
      "name": "Banking Foundation compilation",
      "url": "https://banking.foundation/data",
      "licence": "CC BY 4.0 — attribution: Banking Foundation (https://banking.foundation)",
      "refresh": "Versioned releases (currently seed-0.1 · 2026-08-28)",
      "feeds": "Everything that is ours rather than sourced: which entities are covered, the 16-layer infrastructure model, the 22 providers mapped onto those layers, the relationships between banks, regulators, jurisdictions and rails, and the schema itself",
      "pages": [
        "/infrastructure",
        "/data",
        "/about"
      ],
      "api": "/api/v1",
      "limits": "Layer mappings and peer groupings are our classification, not a fact stated by any of the entities involved. They are a useful lens, not a standard, and we keep them separate from the fields we read out of documents."
    }
  ]
}