> For the complete documentation index, see [llms.txt](https://doc.api.tieto.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://doc.api.tieto.com/api-references/nextgenpsd2-xs2a.md).

# NextGenPSD2 XS2A

The Berlin Group's NextGenPSD2 XS2A is the interface most of Europe's banks expose to satisfy PSD2. Publishing it on behalf of your tenants is how each of them meets the obligation to open its customers' payment accounts to licensed third parties — and publishing it as the standard was written, rather than as a local interpretation, is what makes your whole tenant base reachable through one integration.

The platform ships the three regulated services below, at implementation guidelines **V1.3.12** and **version 2.0**. You decide which to publish, for which tenants and on what terms; the specification, the developer documentation and the sandbox follow automatically.

|                                                                                                |                                                       |
| ---------------------------------------------------------------------------------------------- | ----------------------------------------------------- |
| [Account Information Service](/api-references/nextgenpsd2-xs2a/account-information-service.md) | Read accounts, balances and transaction history       |
| [Payment Initiation Service](/api-references/nextgenpsd2-xs2a/payment-initiation-service.md)   | Start payments from a customer's account              |
| [Funds Confirmation Service](/api-references/nextgenpsd2-xs2a/funds-confirmation-service.md)   | Answer whether funds are available, without a balance |

Two versions of the standard run side by side, so no tenant and no market is forced to migrate on someone else's schedule. Where a regulator publishes its own reading of the specification — extra fields, narrowed options, local payment products — that profile is applied per market rather than requiring a separate installation. See [National Profiles](/standards-and-compliance/national-profiles.md).


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