Membership

In the context of Open Banking, Token.io classifies each third-party provider (TPP) and connected-bank customer as "members" having specific access permissions to connect with one or many banks via the Token.io Cloud. A TPP is a business member and a bank customer is a user member. A business member is assigned a member ID. A user gets — you guessed it — a user ID.

The SDK's createMember method generates your memberId and establishes a unique Alias that no other business member can use, so you can connect with banks and be properly identified. Of equal importance, the TokenClient class defines where your private keys will be stored and accessed (see Cryptography – Keys and Key Management). Alias can be your business web domain, an email address, or your eIDAS certification, depending on the Alias.Type you choose.

In the event you forget your memberId, you can quickly look it up based on an alias. If you forget an alias, you can look it up using your memberId. The mechanics of membership are covered in Onboarding.