Skip to content
Open banking routing and electronic invoicing — live across 30 countries. Routing · invoicing · 30 countries See coverage
Get started
← Back to home

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.

Request a demo View docs
1 API Single contract for initiation & webhooks
Multi Provider routing by payer market
T+5 Merchant settlement in fiat or USDC

How it works

From API call to bank confirmation.

  1. 01

    Create collection

    POST amount, reference, and return URLs from your backend or invoice flow.

  2. 02

    Payer selects bank

    Hosted checkout lists institutions for the payer's country — no PAN on your domain.

  3. 03

    SCA at the ASPSP

    The payer authorises in their banking app; status propagates in real time.

  4. 04

    Webhook & settlement

    Normalised events land in your stack; liquidity settles on your configured schedule.

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 us

Use cases

Where aggregated data matters

01

Lending

Credit & affordability

Income and recurring expense signals from live accounts support faster, fairer decisions with less paperwork.

02

Banking

PFM & engagement

Show the full balance sheet across institutions to deepen retention and cross-sell.

03

Platforms

Merchant & partner risk

Monitor cash-flow health before onboarding or changing payout terms.

04

Treasury

Cash visibility

Consolidate positions across entities and banks for forecasting.

Benefits

Reliable account intelligence

01

Consent-first

PSD2-style permissions with clear expiry and re-authentication paths.

02

Fewer integrations

One contract and API surface instead of dozens of bank builds.

03

Operational metrics

Monitor success rates, latency, and institution health from dashboards.

04

Refresh strategies

On-demand pulls or periodic syncs for models that need fresh data.

05

PII discipline

Minimise fields stored; align retention with GDPR and your DPA.

06

Sandbox ready

Test flows with mock institutions before live traffic.

Add aggregation to your product roadmap.

Get started