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MTLS-OIDC

Tokens bound to mTLS client certificate.

Definition

FAPI 2.0 Baseline (May 2024 final, OpenID Foundation) mandates mTLS sender-constrained tokens, PAR (Pushed Authorization Requests), JARM (JWT-Secured Authorization Response Mode). Used by Open Banking UK, Brazil Open Finance, NextGenPSD2 Berlin Group. FAPI 2.0 Advanced profile adds optional DPoP.

Origin

FAPI 1.0 published 2018 ; FAPI 2.0 Baseline final May 2024.

Example in context

A UK bank uses FAPI 2.0 + mTLS to expose accounts to an AISP via Open Banking UK.

  • mTLS — base transport.

Last updated: May 16, 2026