Banks, neobanks, and wallet apps — unify accounts, deepen engagement, upsell with permissioned data.
Customers rarely hold money in a single institution. StixBNK helps you ingest balances, transactions, and counterparties across PSD2-connected accounts, normalise them into a single schema, and power both aggregation and personal finance (PFM) experiences without bespoke bank-by-bank integrations.
Use case 1
Multi-account aggregation
User reality
People split cash across legacy banks, neobanks, savings, and joint accounts — your app only sees the slice they hold with you unless you aggregate externally.
What StixBNK delivers
Consent-based access to external accounts, continuous sync of balances and transactions, and a single API contract your product team codes against.
Flow
End-user links one or more banks through your StixBNK–powered connection widget.
Tokens and refresh logic stay on the StixBNK side; you receive normalised payloads.
Balances and transaction history stream into your data layer.
Your UI renders a unified “total wealth” or cash-position view.
Illustrative API surface
/accounts/list/transactions/list/balances/get
Impact
↑ engagementDaily opens when users see full financial picture
↑ retentionSwitching cost rises once aggregation is embedded
Use case 2
Personal finance management (PFM)
Raw transactions are noisy. PFM turns them into insights: category charts, subscription radar, cash-flow alerts, and savings nudges. StixBNK supplies the feed; you layer rules, ML models, or third-party categorisation.
Typical feature set
Merchant-level categorisation (rules + ML)
Recurring payment / subscription detection
Budget burn alerts and anomaly flags
Impact
+40%Session depth in programmes that shipped rich PFM
UpsellContext for loans, savings, and investments
Account information services require appropriate licences and user consent. StixBNK operates within the roles defined in your contract; you remain responsible for UX copy and regulatory disclosures.
