In the context of Open BankingClosedProvides third-party financial service providers open access to consumer banking, transaction, and other financial data from banks and non-bank financial institutions through the use of application programming interfaces (APIs). Open banking will allow the networking of accounts and data across institutions for use by consumers, financial institutions, and third-party service providers., Token classifies each third-party provider (TPPClosedThird-Party Provider – an authorised online service provider introduced as part of Open Banking. TPPs exist outside of the account holder’s relationship with their bank but may be involved in transactions carried out by the user.) and connected-bank customer as "members" having specific access permissions to connect with one or many banks via the Token CloudClosedFunctionality, data and resources running on physical and virtual servers maintained and controlled by Token, and accessed via an Internet connection.. A TPP is a business member and a bank customer is a user member. A business member is assigned a member ID. .

The SDK's createMember method generates your memberId and establishes a unique Alias that no other business member can use, so you can connect with banks and be properly identified. Of equal importance, the TokenClient class defines where your private keys will be stored and accessed (see Cryptography – Keys and Key Management). Alias can be your business web domain, an email address, or your eIDAS certification, depending on the Alias.Type you choose.

In the event you forget your memberId, you can quickly look it up based on an alias. If you forget an alias, you can look it up using your memberId. The mechanics of membership are covered in Onboarding.