Nigeria Open Banking Regulatory Framework (CBN, 2023)
API Security

Nigeria Open Banking Regulatory Framework (CBN, 2023) NGOB-3: API Security Standards, mTLS, and Encryption

Implement Open Banking API security per Common Banking Industry API Standards + OAuth 2.0 + OpenID Connect (OIDC) + FAPI 2.0 (Financial-grade API) + Mutual TLS (mTLS) client authentication. Apply encryption: TLS 1.3 in transit + AES-256 at rest. Use signed JWTs with detached signatures per FAPI requirements. Apply API rate limiting + token expiration + nonce + audience claims. Coordinate with Open Banking Nigeria Ltd standardisation body.

Maintained by Gerard BlokdykVerified against the published standard Control text last updated

What else in your programme already covers this

This control maps to 98 controls across 52 other frameworks. If you already hold one of them, the evidence you collected for it is the starting point here rather than new work.

ISO/IEC 27043:2015 · 4 controls

  • ISO27043-17 Encryption of data at rest
  • ISO27043-18 Encryption of data in transit
  • ISO27043-19 Certificate management
  • ISO27043-20 Key lifecycle management

ISO/SAE 21434 · 4 controls

  • ISO21434-16 Cryptographic policy and key management
  • ISO21434-17 Encryption of data at rest
  • ISO21434-18 Encryption of data in transit
  • ISO21434-19 Certificate management
  • PQC-2 FIPS 203 ML-KEM Implementation - Module-Lattice Key-Encapsulation Mechanism
  • PQC-5 Cryptographic Inventory and PQC Migration Roadmap
  • PQC-7 FIPS Validated Modules, HSM Readiness, and Algorithm Validation
  • PQC-8 Implementation Requirements - RNG, Side-Channel, Key Management, Operations, Incident Response

FedRAMP Rev 5 · 3 controls

  • FEDRAMP-SC-13 Cryptographic Protection
  • FEDRAMP-SC-28 Protection of Information at Rest
  • FEDRAMP-SC-8 Transmission Confidentiality and Integrity

ISO/IEC 23837:2023 · 3 controls

  • 23837-1.2 Normative references
  • 23837-1.5.2 Cryptographic module requirements
  • 23837-1.5.3 Network device testing requirements

NIST SP 800-53 Rev 5 · 3 controls

  • AWWA-3.2 Remote Access Security
  • AWWA-3.4 Encryption and Data Protection
  • CJIS-8 Media Protection
  • CJIS-9 System and Communications Protection

ISO 27799:2025 · 2 controls

  • ISO27799-02 ePHI encryption at rest and in transit
  • ISO27799-16 Transmission security and encryption

NIST SP 800-92 · 2 controls

  • NISTSP92-3 Log Infrastructure: Architecture, Centralisation, Transport Security, SIEM Governance
  • NISTSP92-4 Log Management: Time Synchronisation, Parsing, Storage, Integrity, Access Control

OWASP ASVS · 2 controls

OWASP MASVS · 2 controls

OWASP Top 10:2025 · 2 controls

  • OWASPTOP10-2 A02:2025 Cryptographic Failures and Secret Management
  • OWASPTOP10-4 A04:2025 Insecure Design and Business Logic (incl. A11 API Abuse)

APPI · 1 control

  • APPI-A34 Request for Correction, Addition or Deletion
  • ASD37-17 TLS encryption between email servers (Limited)

BSI IT-Grundschutz · 1 control

  • BSI-08 Cryptographic protection of data

Bahrain PDPL · 1 control

  • FFIEC-09 Encryption and key management

FIDO2 / WebAuthn · 1 control

  • FTC-Safeguards-9-Elements 9 Safeguard Elements - Access, Inventory, Encryption, Secure-Dev, MFA, Disposal, Change-Mgmt, Monitoring, Pen-Test (16 CFR 314.4(c))
  • UAE-PDPL-Art.4_5 Lawful basis and principles for processing personal data (UAE PDPL Articles 4-5)
  • 62351-9 Cyber security key management

ISO/IEC 27010:2015 · 1 control

  • 27010-10.1 Cryptographic Protection

ISO/IEC 27011:2024 · 1 control

  • 27011-8.3 Cryptography and key management

ISO/IEC 27400:2022 · 1 control

  • 27400-6.2 Device Identity and Authentication
  • 29115-7.4 Level of Assurance 4 (LoA4)
  • STANAG-2 STANAG 4778 Metadata Binding Mechanism and Cryptographic Binding
  • NISTPF-8 Protect-P Information Protection Processes (PR.PO-P)
  • NISTSP115-8 Operational Considerations - Tools, Reporting Templates, ISMS Integration, Annex Material

NIST SP 800-122 · 1 control

  • NISTSP122-5 PII Security Controls - Encryption, Access Control, Storage, Audit

NIST SP 800-123 · 1 control

  • NISTSP123-4 Server Cryptography - Encryption, Key Management, Certificates

NIST SP 800-137 · 1 control

  • NISTSP137-5 Vulnerability + Patch + Configuration Status Monitoring

NIST SP 800-144 · 1 control

  • NISTSP144-5 Identity and Access in Cloud, Federation, and Privileged Access

NIST SP 800-145 · 1 control

  • NISTSP145-8 Governance, Reporting, and Stakeholder Education on Cloud Definition

NIST SP 800-146 · 1 control

NIST SP 800-190 · 1 control

  • NISTSP61-3 Preparation: Communications, Toolkits, Training, Exercises, Threat Intelligence

NIST SP 800-63-4 · 1 control

  • NISTSP63R4-5 Federation: Assertions, Trust Agreements, RP Validation, Pseudonymous Identifiers

NIST SP 800-66 · 1 control

  • NISTSP66-6 Technical Safeguards: Access Control, Audit Controls, Integrity, Person Authentication
  • NISTSP82-2 OT Risk Assessment and Threat/Vulnerability Identification

NIST SP 800-88 · 1 control

  • NISTSP88-4 Cryptographic Erase, Key Management, and Verification of Erase
  • NISTSP34-3 Preventive Controls and Recovery Strategies: Backup, Alternate Sites, Equipment
  • NZISM-3 Personnel Security, Physical Security, and Cryptography
  • OWASPAPI-6 Security Misconfiguration and Secure API Design
  • NORWAY-5 Security of Processing, Encryption, Pseudonymization, Access Control
  • AUPRV-4 APP 10-11 Quality, Security of Personal Information
  • IM8-CLD.2 Cloud Security Controls

South Korea ISMS-P · 1 control

  • ISMSP-SYS-02 Encryption Implementation

Turkey KVKK · 1 control

  • TURKEYKVKK-2 Information Notice and Data Subject Rights

Every mapping shown was judged rather than inferred from wording similarity, and the ones that failed review are published too. See the coverage reports and what was rejected.

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