GB/Z 104-2025 Technical specification of web-service-based application programming interface(WAPI) in financial services

Scope

This document specifies the framework, functions, and protocols of the application programming interface (API) ecosystem based on Internet (Web) services commonly used in financial services, aiming to achieve online synchronous interaction. The specific content includes:
—— Defines the logical and technical layering methods for developing APIs, including conversion rules. It does not include specific logical models (e.g., the ISO 20022 model), but in certain scenarios, logical models will be referenced to guide the definition of APIs;
—— Primarily designed from the perspective of RESTful state transition, while also including architectural styles provided in other scenarios, such as WebSockets and Webhooks;
—— Defines API design principles, Web service-based API rules, data payloads, and version control;
—— Lists considerations related to the security, identity, and registration of APIs.
This document is applicable to the design and application of Web service-based APIs in the financial services industry, providing a reference for data and service sharing between financial institutions and application parties.
This document is not applicable to the following:
—— Specific technical specifications for API implementation in financial services;
—— Script Object Notation (SON), a lightweight data exchange format (JSON) API developed based on specific message formats in ISO 20022 (all parts);
—— Technical specifications defined or determined by specific legal frameworks.
Note: Appendix A provides examples of how to handle the document based on specific business fields or the functions of the required APIs.

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