# Implementation Status

# Implementation Status

Current build state as of Q1 2026.

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## Component Status Table

| Component | Status | Target |
|-----------|--------|--------|
| API server (Kotlin/Ktor) | Foundation built | Q2 2026 |
| Croatian bank integration (Berlin Group) | Architecture ready, sandbox pending | Q3 2026 |
| Serbian bank integration — EU groups (UniCredit, Raiffeisen, NLB) | Architecture ready | Q4 2026 |
| Serbian domestic banks (NBS bilateral) | Stub — awaiting NBS registration | Q4 2026 |
| BiH bilateral banks | Planned | Q1 2027 |
| Node.js SDK (`@tokapi/sdk`) | Built | Q2 2026 |
| Python SDK (`tokapi-sdk`) | Built | Q2 2026 |
| Kotlin SDK (`io.tokapi:sdk-kotlin`) | Built | Q2 2026 |
| Webhooks | Designed | Q3 2026 |
| Payment initiation (PISP) | Planned | Q3 2026 |

---

## Phase Timeline

### Phase 1 — Foundation (Q2 2026)
- Ktor API server with core endpoints (`/accounts`, `/transactions`, `/consents`)
- Bank adapter interface (`BankAdapter`)
- `BerlinGroupAdapter` skeleton
- Node.js + Python + Kotlin SDKs (built)
- AISP registration at Finanstilsynet (Norway) — target: approved by Q2 2026

### Phase 2 — Croatia Live (Q3 2026)
- `BerlinGroupAdapter` production-ready for Croatian banks
- QWAC certificate (DigiCert or GlobalSign) for PSD2 mTLS
- 3+ Croatian banks connected (Erste, OTP, Raiffeisen)
- 90-day consent expiry flow + email notifications
- Webhooks for transaction notifications
- PISP planning begins
- EEA passporting: Norway → Croatia (HNB)

### Phase 3 — Serbia Live (Q4 2026)
- NBS AISP registration complete
- `BilateralAdapter` for domestic Serbian banks
- EU bank groups in Serbia via `BerlinGroupAdapter` (UniCredit, Raiffeisen, NLB)
- 3+ Serbian banks connected

### Phase 4 — BiH (Q1 2027)
- Bilateral agreements with EU bank groups in BiH (UniCredit, Raiffeisen, NLB)
- First BiH bank connected

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## Regulatory Timeline

| Milestone | Target | Status |
|-----------|--------|--------|
| Email to Finanstilsynet (NO) | Feb 2026 | Done ✓ |
| AISP application submitted (NO) | Apr 2026 | Pending |
| AISP approved (NO) | Jun 2026 | Pending |
| Passport notification to HNB (HR) | Jun 2026 | Pending |
| NBS pre-application inquiry (RS) | Q2 2026 | Pending |
| ALAI Tech d.o.o. APR registration (RS) | Mar 2026 | Pending |
| NBS AISP registration submitted (RS) | Jul 2026 | Pending |
| NBS AISP approved (RS) | Q4 2026 | Pending |

---

## SDK Status

| SDK | Package | Status |
|-----|---------|--------|
| Node.js / TypeScript | `@tokapi/sdk` | Built — Q2 2026 |
| Python 3.10+ | `tokapi-sdk` | Built — Q2 2026 |
| Kotlin | `io.tokapi:sdk-kotlin` | Built — Q2 2026 |

---

## MC Tasks (Open Banking)

Tasks `#1934–#1943` track all Open Banking / Tok regulatory and development work.

| Task | Description | Priority |
|------|-------------|----------|
| #1934 | AISP registration HR (HNB passporting) | High |
| #1935 | AISP registration RS (NBS) | High |
| #1936 | Research HNB AISP process | High |
| #1937 | Research NBS AISP process | High |
| #1938 | Croatian bank API sandbox testing | Medium |
| #1939 | Serbian bank API mapping (bilateral) | Medium |
| #1940 | BiH bilateral approach | Medium |
| #1941 | PISP authorisation RS | Low |
| #1942 | Bank feed architecture | Medium |
| #1943 | Professional Indemnity Insurance | High |