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In production, OBP storage can be separated from the API layer using AKKA. A message queue (e.g. Kafka) typically sits between OBP and the Core Banking system: Deployment scenario, security separation
Users gain access to Accounts and Transactions through being an "owner" of one or more accounts or by having access to one or more Views. See here
Users gain access to other API Endpoints via Roles which are granted via Entitlements. See here