- It’s not required if you’re an agent of TrueLayer. In this case you can use TrueLayer’s certificates, so you don’t need your own.
- Yes! If you’re a TrueLayer client who is regulated by FCA to provide account information services (AISP) and/or payment initiation services (PISP), then you will need your own eIDAS or Open Banking certificates.
Provided you’re already licensed as an AISP and/or PISP by your local NCA (e.g. the FCA in the UK) and you have your own certificate, you get the added benefit of showing only your own branding when connecting to banks, rather than showing TrueLayer within the flow.