REST API — Any TMS

DPX exposes a standard REST API over HTTPS. Any treasury management system with HTTP request capability can integrate directly — no SDK required.

Base URLs

Service	URL	Auth
Integration API	`https://integration.untitledfinancial.com`	Bearer token
Stability Oracle	`https://stability.untitledfinancial.com`	None
ESG Oracle	`https://esg.untitledfinancial.com`	None
Compliance Oracle	`https://compliance.untitledfinancial.com`	x402 (VoP) / Bearer (admin)

For institutional payments — use the Integration API. It calls the Compliance and Stability oracles automatically on every settlement. You don’t need to integrate the oracles separately.

Integration API — payment endpoints

Endpoint	Method	Purpose
`/payments/initiate`	POST	Submit a payment (ISO 20022 or DPX native)
`/payments/batch`	POST	Submit up to 50 payments
`/payments/:id`	GET	Retrieve payment by DPX ID
`/payments?tmsReference=`	GET	Retrieve payment by TMS reference
`/rates/:currency`	GET	Live FX rate
`/health`	GET	Service health + oracle status
`/manifest`	GET	MCP tool manifest

Stability Oracle — pricing and conditions

Endpoint	Method	Purpose
`/quote`	GET / POST	Fee breakdown for a transaction
`/reliability`	GET	Stability signals before large settlements
`/fee-schedule`	GET	Full fee table
`/manifest`	GET	Protocol capabilities

ESG Oracle — scoring

Endpoint	Method	Purpose
`/esg-score`	GET	Live E/S/G scores and current fee
`/fee-schedule`	GET	ESG fee table
`/quote`	GET / POST	ESG fee for a specific transaction

Integration pattern

Simple payment (Integration API)

# Submit payment — VoP + FX + settlement all run automatically
curl -X POST https://integration.untitledfinancial.com/payments/initiate \
  -H "Authorization: Bearer <institution-key>" \
  -H "Content-Type: application/json" \
  -d '{
    "tmsReference": "TMS-20260514-001",
    "amount":       "250000.00",
    "currency":     "USD",
    "settlementAsset": "USDC",
    "creditor": {
      "name":          "Deutsche Bank AG",
      "lei":           "7LTWFZYICNSX8D621K86",
      "walletAddress": "0xabc..."
    },
    "debtor": {
      "walletAddress": "0xdef..."
    },
    "callbackUrl": "https://tms.yourcompany.com/webhooks/dpx"
  }'

Pre-flight check (optional)

Check oracle conditions before submitting large settlements:

# 1. Check stability
curl https://stability.untitledfinancial.com/reliability

# 2. Get fee quote
curl "https://stability.untitledfinancial.com/quote?amountUsd=1000000&hasFx=true&esgScore=75"

# 3. Submit payment
curl -X POST https://integration.untitledfinancial.com/payments/initiate ...

TMS-specific guides

Kyriba — ISO 20022 pain.001 direct integration
SAP TRM — SAP Integration Suite / BTP
Webhooks — outbound settlement callbacks