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.
Connect to thousands of bank interfaces in principle through a single integration pattern: consented account information, balances, and transactions flow into one predictable schema. Build lending, PFM, underwriting, and treasury views without maintaining dozens of bespoke bank adapters or brittle screen scraping.
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.