Audit financial APIs against RBI Master Direction on IT Governance 2023. Verify mTLS 1.2+, OAuth 2.0 PKCE, 90-day secret rotation, and test in-browser HMAC-SHA256 payload signing.
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How to Use RBI API Security & FinTech Gateway Checklist
Audit your API architecture against authentication, encryption, rate limiting, and secrets hygiene pillars.
Use the in-browser HMAC-SHA256 Payload Signer to test cryptographic headers with your API secret.
Review field-level encryption (FLE) requirements for sensitive banking attributes.
Export the API Security & FinTech Governance Audit Report.
Cryptographic Integrity & Non-Repudiation in Financial APIs
Payload signatures (HMAC-SHA256 or RSA-PSS) prevent tampering and replay attacks across intermediate API gateways and Account Aggregator data pipelines.
Frequently Asked Questions
Is mutual TLS (mTLS) mandatory for partner integrations in Indian banking?
Yes. RBI MD-IT Governance 2023 mandates two-way mutual TLS using SHA-256 certificates from certified CAs for all B2B partner integrations.