|Purpose||To clarify if an FIP can define the combination of identifiers it deems as “unique” for enabling identification of customers|
|Description||Each FIP can define the combination of identifiers it deems fit for it to uniquely identify an account owner and enable discovery of accounts.
This definition is then expected to be made available to all AAs, so that they may collect the necessary attributes on their interface while enabling discovery and linking.
Such information is made available through a central registry.
|Purpose||To clarify if it is obligatory for a financial institution to be an FIP|
|Description||Each financial institution is free to determine if it wishes to participate in the AA Network or not.
If it does choose to join the network, a community-designed implicit obligation of “Reciprocity” applies to such an institution. Further details are provided under the “Reciprocity” topic.
Such an obligation makes it necessary for a financial institution to agree to be an FIP, if it wishes to join as an FIU.
|Purpose||To clarify if it is obligatory for an FIP to enable sharing of all data-types applicable to it, as per technical specifications|
|Description||An FIP is free to determine which FI Types it wishes to enable when via its FIP serviceHowever, a community-designed minimum viable FI types, for each type of FIP, is being discussed. This is necessary for ensuring citizens derive real benefit from this network.
E.g. an FIP of type bank is expected to join the network with a minimum of “single-owned current and savings accounts”, including accounts owned by a sole-proprietor.
|Purpose||To clarify FIP types as per SEBI guidelines|
|Description||As per SEBI guidelines:
This needs to be confirmed through discussions with the AMCs.
|Purpose||To clarify FIP types as per PFRDA guidelines|
|Description||As per PFRDA guidelines (generic, not specific to the AA ecosystem):
This needs to be confirmed through discussions with the regulator and the CRAs.
|Purpose||To clarify FI types and account types for GSTN FIP|
|Description||The proposal tabled is for the following:
Account type: GSTIN
The confirmation of the same and the FI schemas pertaining to each of the FI types is awaited from GSTN.