FinanceKit (iOS / iPadOS)

Read-only access to a person's Apple Wallet financial data — accounts, balances, transactions, and orders — with explicit per-account consent. All data is on-device; no network is involved in a query. Grounded in Apple's FinanceKit and FinanceKitUI frameworks.

• Availability: U.S. iOS 17.4+ (Apple Card, Apple Cash, Savings); U.K. iOS 18.4+ (Open Banking "connected" cards/accounts). Background delivery extension is iOS 26+.
• Access is gated, not free: you must request the managed com.apple.developer.financekit entitlement from Apple (org-level account, approved use case) before any API returns data.
• Sibling skills: persist anything you fetch with swift-security (never UserDefaults); model/compute amounts with kmp-money; format for display with swift-formatstyle. Apple Pay & passes are passkit, not FinanceKit.

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