Tenant Setup
Configure your tenant identity, partner bank routing, and system of record model.
Each issuer or partner is configured as a tenant in the M2P platform. Your tenant configuration determines how your program interacts with bank partners, card networks, and the platform's core services.
Tenant Identity
Every API request you make must include your tenant identifier in the TENANT HTTP header. This identifier is assigned during onboarding and is unique across the platform.
| Setting | Description | Example |
|---|---|---|
| Tenant ID | Unique identifier passed in every API call via the TENANT header | MYFINTECH |
| Entity ID | Business entity identifier used in registration and customer APIs | Matches your organization |
| Environment | Separate tenant configs for Sandbox, UAT, and Production | sandbox, uat, prod |
Your Tenant ID is case-sensitive and must be passed exactly as provided in your onboarding package. It is validated against the JWT token on every request to prevent cross-tenant access.
Bank Partner Routing
M2P routes your program's banking operations (account creation, fund transfers, KYC) to one of several integrated bank partners. The routing is configured per tenant during onboarding.
System of Record (SOR) Model
The SOR model determines how wallet balances and transaction records are managed:
| Model | Description | Best For |
|---|---|---|
| Internal SOR | M2P manages the full wallet ledger, balance tracking, and limit enforcement internally | Programs that want M2P to be the single source of truth for balances |
| External SOR | Balance and ledger management is handled by an external system (e.g., the bank partner) | Programs with existing core banking systems that need to maintain their own ledger |
The SOR model cannot be changed after go-live without a full data migration. Choose carefully during onboarding based on your operational requirements.
How SOR Model Affects Integration
| Aspect | Internal SOR | External SOR |
|---|---|---|
| Balance queries | Served directly from M2P's SOR | Forwarded to external system |
| Transaction limits | Enforced by M2P's SOR | May be enforced externally |
| Registration fields | More fields required (full customer profile) | Fewer mandatory fields |
| Reconciliation | M2P provides settlement reports | You reconcile against your external ledger |