01
Lending
Underwriting & monitoring
Watch runway and covenants after disbursement.
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Financial Insights
Get a 360° view of customers’ finances on live data.
Give merchants who bill with invoicing & payment links a clearer cash picture — inflow trends and runway views that sit alongside open banking routing collections on StixBNK.
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.
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01
Create collection
POST amount, reference, and return URLs from your backend or invoice flow.
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02
Payer selects bank
Hosted checkout lists institutions for the payer's country — no PAN on your domain.
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03
SCA at the ASPSP
The payer authorises in their banking app; status propagates in real time.
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04
Webhook & settlement
Normalised events land in your stack; liquidity settles on your configured schedule.
Models
Transparent, explainable metrics.
Each score ships with human-readable drivers: which merchants dominate spend, how volatile payroll is, whether savings buffers exist. Risk committees and credit analysts get defence-ready narratives, not a single opaque number.
Model cardsDelivery
Embed, white-label, or pull raw JSON.
Drop iframe or React widgets into your app, or pipe the same metrics into Looker, Snowflake, or internal BI. Pair with Data Aggregation so feeds stay fresh on the cadence you choose.
Start integratingUse cases
Insights that sell
02
SMB
Business banking
Help owners see cash reality across accounts.
03
Partners
Embedded finance
Ship dashboards inside ERP or accounting suites.
Benefits
Insights that ship fast
Time to value
Go live in weeks with defaults.
Configurable
Tune thresholds per product line.
Aggregation ready
Pairs with Data Aggregation.
Refresh cadence
Daily or intraday depending on use case.
GDPR
Data processing agreements available.
SMB & SME
UX tuned for non-expert users.
Put insights in your next lending feature.
Contact sales