Lending
Credit & affordability
Income and recurring expense signals from live accounts support faster, fairer decisions with less paperwork.
Data Aggregation
One consent, many accounts — normalised financial data.
Where you need permissioned account data next to collections, StixBNK normalises balances and transactions into one schema. Pair aggregation with open banking routing and invoicing & payment links so risk and settlement share the same platform.
Coverage
Normalise formats across ASPSPs.
Each ASPSP exposes slightly different fields and enums. We map institution-specific payloads into stable models so your risk engine, data warehouse, and mobile apps see consistent currencies, booking dates, counterparty hints, and account types. Refresh on a schedule you control or pull on demand when a decision must be fresh.
Coverage map
Use cases
Built for underwriting, PFM, and treasury.
Lenders verify income and obligations; neobanks show multi-bank PFM; marketplaces score merchant health before raising limits. Pair aggregation with Pay by bank when you want both insight and initiation in one project — same customer, two regulated use cases.
Talk to usUse cases
Where aggregated data matters
Banking
PFM & engagement
Show the full balance sheet across institutions to deepen retention and cross-sell.
Platforms
Merchant & partner risk
Monitor cash-flow health before onboarding or changing payout terms.
Treasury
Cash visibility
Consolidate positions across entities and banks for forecasting.
Benefits
Reliable account intelligence
Consent-first
PSD2-style permissions with clear expiry and re-authentication paths.
Fewer integrations
One contract and API surface instead of dozens of bank builds.
Operational metrics
Monitor success rates, latency, and institution health from dashboards.
Refresh strategies
On-demand pulls or periodic syncs for models that need fresh data.
PII discipline
Minimise fields stored; align retention with GDPR and your DPA.
Sandbox ready
Test flows with mock institutions before live traffic.