financekit

これはレビュー時に保存された抜粋です。完全で最新の内容は外部ソースを確認してください。

---
name: financekit
description: "Access eligible Wallet financial data using FinanceKit and FinanceKitUI. Use when querying transactions or balances, reading Apple Card, Apple Cash, Savings, or U.K. connected-account data, requesting financial-data authorization, using TransactionPicker, enabling iOS 26 background delivery, or saving and checking Wallet orders."
---

# FinanceKit

Access eligible financial data from Apple Wallet, including U.S. Apple Card, Apple Cash, Savings, and U.K. connected-account data. FinanceKit provides on-device access to accounts, balances, and transactions with user-controlled authorization. Targets Swift 6.3 / current Apple platforms; query APIs are available from iOS/iPadOS 17.4, `TransactionPicker` from iOS/iPadOS 18, and background delivery from iOS/iPadOS 26.

Keep FinanceKit guidance focused on financial-data access, Wallet order storage/querying, TransactionPicker, and background delivery. Route Apple Pay checkout to PassKit, widget UI/timeline work to WidgetKit, and Wallet order-tracking email or Apple Business Connect optimization outside this skill.

## Contents

- [Setup and Entitlements](#setup-and-entitlements)
- [Data Availability](#data-availability)
- [Authorization](#authorization)
- [Querying Accounts](#querying-accounts)
- [Account Balances](#account-balances)
- [Querying Transactions](#querying-transactions)
- [Long-Running Queries and History](#long-running-queries-and-history)
- [Transaction Picker](#transaction-picker)
- [Wallet Orders](#wallet-orders)
- [Background Delivery](#background-delivery)
- [Common Mistakes](#common-mistakes)
- [Review Checklist](#review-checklist)
- [References](#references)

## Setup and Entitlements

### Requirements

1. **Managed entitlement** -- request `com.apple.developer.financekit` from Apple via the [FinanceKit entitlement request form](https://developer.apple.com/contact/request/financekit/). This is a managed capability; Apple reviews each application.
2. **Organization-level Apple Developer account** (individual accounts are not eligible).
3. **Account Holder role** required to request the entitlement.
4. **Eligible App Store app** -- the app must be in the Finance category, distributed through the App Store for iPhone in the United States or United Kingdom, and provide financial-management tools such as net-worth, spending, or budgeting features.
5. **Per-bundle-ID approval** -- Apple assigns the entitlement to the approved bundle ID; do not assume it applies to sibling apps or extensions automatically.
6. If the app offers financial products directly or through a regulated institution, it must allow customers to connect those accounts to Apple Wallet and share the data with FinanceKit.

### Project Configuration

1. Add the FinanceKit entitlement through Xcode managed capabilities after Apple approves the request.
2. Add `NSFinancialDataUsageDescription` to Info.plist -- this string is shown to the user during the authorization prompt.
3. For iOS 26 background delivery, add the FinanceKit entitlement to both the app and extension targets, then use App Groups for shared storage.

```xml
<key>NSFinancialDataUsageDescription</key>
<string>This app uses your financial data to track spending and provide budgeting insights.</string>
```

## Data Availability

U.S. FinanceKit financial data requires iOS/iPadOS 17.4+ and currently covers eligible Apple Card, Apple Cash, and Savings data; Apple Card Family participants and Apple Cash Family children are excluded. U.K. support requires iOS/iPadOS 18.4+ and uses open banking for supported institutions. Orders APIs are available separately from financial-data query APIs.

Check whether the device supports FinanceKit before making any API calls. This value is constant across launches and iOS versions.

```swift
import FinanceKit

guard FinanceStore.isDataAvailable(.financialData) else {
    // FinanceKit not available -- do not call any other financial data APIs.
    // The framework terminates t