Top 50 Open Banking Platform - Seed

The startup provides an Open Banking Platform that enables secure data sharing between banks, customers, and authorized third parties through standardized APIs. This platform addresses fragmented access to financial data, enhancing the delivery of personalized financial services.

Finerio Connect provides an API for Open Banking and Personal Finance Management in Latin America, enabling the integration and management of personal and third-party financial data. The platform enhances financial analytics and customer experiences for banks and lenders, facilitating real-time risk assessments and compliance with local regulations.

The startup develops a core banking platform that enables banks and financial institutions to integrate API-enabled services and automate workflows for financial product management. This technology provides a streamlined solution for building and launching financial products, enhancing customer engagement, and facilitating open banking capabilities.

Kashimi Tech provides payment infrastructure for financial institutions using a unified open banking API to enable instant Account-to-Account (A2A) payments across hundreds of banks. This single integration allows clients to launch Pay by Bank solutions quickly while ensuring compliance with regulations like PSD2. The platform reduces operational costs and development overhead for seamless, secure, real-time payment processing.

The startup develops a secure data-sharing platform that facilitates the integration of open banking, finance, and insurance data across various industries. By enabling clients to efficiently access and utilize critical financial information, the company enhances their digital transformation efforts and operational growth.

Finqware provides a treasury automation platform that utilizes open banking technology to deliver real-time cash management, payments, and reporting for multi-entity, cross-border organizations. This solution enhances liquidity management and financial visibility by integrating banking data from multiple European banks into a single interface.

Ayoconnect is Southeast Asia's largest open finance API platform, providing seamless integration for over 1,000 digital products and payment solutions through a single API. The platform enables businesses to efficiently manage recurring payments, instant transfers, and income verification, addressing the complexities of financial transactions and enhancing operational efficiency.

Provides a banking-as-a-service platform with plug-and-play APIs for payment processing, KYC onboarding, and financial transactions. Enables businesses to integrate banking features like UPI gateways, bulk payouts, and escrow accounts, reducing time-to-market for fintech products by up to 90%. Processes over $5 billion annually, supporting 200 million+ API transactions for 1,000+ global businesses.

Yaspa offers real-time account-to-account payment solutions using open banking technology, enabling businesses to process secure transactions and refunds instantly without the need for cards or apps. By integrating KYC and risk management tools, Yaspa reduces fraud and accelerates customer onboarding, enhancing operational efficiency for businesses across the UK and Europe.

Linker Finance provides a digital banking platform that integrates with existing systems, allowing banks to manage multiple accounts and services through a single sign-in. The platform enhances customer experience by offering personalized solutions, streamlined account opening, and robust data management tools, addressing the challenges of fragmented banking services and compliance complexities.

Grey provides a global banking platform that enables users to open foreign bank accounts, conduct currency exchanges, and make international payments with a virtual debit card, all regulated by FINTRAC and FinCEN. This service addresses the challenges of accessing and managing cross-border financial transactions, allowing individuals and businesses to operate without the limitations of traditional banking systems.

Volume provides a one-click checkout solution that integrates with global banking systems to facilitate seamless online transactions without hidden fees. By leveraging Open Banking technology, it reduces payment processing times to 2.5 seconds and lowers transaction costs by up to three times, significantly increasing customer conversion rates.

Enza provides a cloud‑native, open‑API payments platform that connects banks, fintechs and merchants across Africa to a unified processing layer for consumer, e‑commerce, in‑person and ATM transactions. The platform delivers real‑time analytics, built‑in fraud detection, regulatory compliance and auto‑scaling micro‑services, enabling clients to launch new payment products and revenue streams with minimal engineering effort.

Finerio Connect provides an open finance platform for Latin American financial institutions to aggregate and analyze diverse financial data. Our solution enables personalized customer experiences, optimized lending through risk assessment, and streamlined compliance with regional open finance regulations.

The startup offers a digital banking and fintech platform that enables clients to conduct transactions globally through integrated channels. By providing 360-degree access to financial products and services, the platform enhances transaction volumes and expands digital reach for both retail and business banking customers.

Open Payments provides a unified API that connects businesses to multiple banks, simplifying B2B payment processes by eliminating the need for diverse integrations. This platform enhances financial management by offering real-time cash flow visibility and reducing transaction costs, enabling seamless invoicing and payouts without intermediaries.

Decentro provides a unified API platform that allows businesses to embed banking and financial services into their applications. Their platform offers a suite of APIs for payments, banking infrastructure, and lending, enabling companies to launch and scale financial products quickly.

Mafhoom is a personal finance app that utilizes open banking technology to aggregate and centralize users' financial accounts, enabling real-time tracking of income, expenses, and subscriptions. The app provides customized budgeting tools and personalized recommendations, helping users gain insights into their spending habits and achieve their financial goals more efficiently.

This startup offers a banking infrastructure platform that integrates traditional banking systems with blockchain technology, enabling seamless management of both crypto and fiat transactions. It provides Banking-as-a-Service solutions, including whitelabel options and payment processing, to enhance security and accessibility for Web2 enterprises and Web3 innovators.

The world's first multi-asset programmable bank that enables users to manage, customize, and automate financial transactions across multiple asset classes through a secure, regulated platform. It addresses the limitations of traditional banking by offering programmable financial tools that enhance flexibility, efficiency, and control for individuals and businesses.

The startup offers a digital banking platform that provides bank accounts, prepaid cards, and multi-currency IBAN accounts for both adults and children. This platform enables users to conduct low-cost transactions and manage their savings efficiently, addressing the need for accessible banking solutions.

Pluggy provides an Open Finance API that enables developers to access and manage users' financial data, including account balances, transactions, and investment details. This technology facilitates personalized financial experiences and instant payment initiation, addressing the need for streamlined financial data integration in application development.

AperiData is a real-time credit reference agency that utilizes Open Banking data and AI-driven analytics to enhance credit decisioning and customer onboarding processes. By providing accurate financial insights, the platform enables organizations to make informed lending decisions and proactively manage customer financial behaviors.

Utoppia provides a financial technology platform that allows non-US residents to open US bank accounts and access a suite of 100 mobile banking services using only a valid passport. The app facilitates international money transfers, virtual card issuance, and local bill payments, addressing the need for accessible banking solutions for individuals living outside the United States.

The startup operates a digital banking platform that provides secure data management, compliance solutions, and customizable web and mobile applications for financial institutions. This enables banks, enterprises, and governments to efficiently launch and manage their digital banking services while ensuring regulatory adherence and robust security.

FitBank is a Banking as a Service platform that provides a cloud-native infrastructure and proprietary APIs for companies to implement payment solutions, including PIX integration and credit services. This technology enables businesses to operate as financial institutions, enhancing transaction efficiency and reducing reliance on intermediaries.

Fingo is a fintech platform that offers digital banking services tailored for youth, enabling users to open accounts in under four minutes and manage their finances through features like budgeting tools, interest-earning savings, and seamless money transfers. The platform addresses the need for accessible banking solutions that promote financial literacy and facilitate cost-free transactions among users.

Aku is a digital banking platform that enables users to send and receive money, pay bills, and manage multiple accounts through USSD, mobile app, and card transactions. By providing secure, encrypted transactions and a centralized financial management system, Aku addresses the challenges of accessibility and efficiency in banking for Africans.

Credable is a digital banking platform that enables businesses and financial institutions to embed financial services such as credit, savings, and payments directly into their existing offerings. By providing an end-to-end solution, Credable allows partners to expand their financial product lines without the need for internal infrastructure, addressing the challenge of limited access to banking services in emerging markets.

Franq provides a cloud‑based marketplace that lets experienced bankers operate as independent personal bankers, offering a digital storefront with over 150 credit, investment, insurance and financing products from more than 50 partner banks and fintechs. The platform includes an AI‑driven recommendation engine, real‑time proposal generation, integrated CRM and instant commission tracking, all delivered via web and mobile apps on a subscription basis. This enables bankers to sell tailored solutions faster while retaining full product depth without being tied to a single institution.

The startup offers a banking platform that aggregates multiple financial accounts into a single super account, enabling users to manage loans and payments efficiently. By providing rewards for card transactions, the platform enhances financial tracking for businesses, simplifying their cash flow management.

Anchor is a banking-as-a-service platform that provides a complete API infrastructure for African businesses to build, embed, and launch customized financial products, including accounts, payments, and credit solutions. By streamlining the development process, Anchor enables businesses to efficiently manage compliance and banking relationships while enhancing customer engagement through tailored financial services.

This neobank provides a digital platform that connects customers with banking partners through a mobile-first interface, offering services such as online investment, payment processing, and savings accounts. By delivering personalized banking experiences, the company addresses the need for tailored financial solutions in a rapidly evolving digital landscape.

Tot offers a fully digital banking platform with an Italian IBAN that provides instant SEPA transfers, integrated tax management, and automated invoice reconciliation. This solution simplifies financial administration for businesses by consolidating banking and accounting tasks into a single interface, reducing time spent on financial management.

Syncfy provides an API that integrates open financial data and payment processing, enabling secure access to transactional information from banks, digital wallets, and service providers. This solution streamlines financial operations for businesses by automating data aggregation and facilitating electronic invoicing, thereby enhancing efficiency and compliance.

Meelo provides a risk and fraud detection solution that utilizes Open Data, Artificial Intelligence, and Open Banking to verify customer identities and assess creditworthiness in real-time. By analyzing financial behavior, the platform helps businesses reduce fraudulent activities and improve decision-making efficiency, enabling safer transactions and increased access to financing.

Mono provides a platform that enables banking organizations to quickly launch branded financial products, such as virtual wallets and customizable Visa cards, through its API. The solution addresses the lengthy development times typically associated with creating financial services, allowing businesses to efficiently manage payments and transfers in real time.

The startup provides a digital platform that consolidates banking, payments, travel, and financial management into a single user interface. This integration allows users to streamline their financial activities, reducing the complexity and inefficiency associated with managing multiple financial services.

The startup provides a financial innovation platform that offers a secure API infrastructure for financial services, enabling seamless integration between financial institutions and fintech companies. This platform enhances control over financial data and payment processes, facilitating collaboration and improving operational efficiency for businesses.

Provides a fully digital mortgage platform in Latin America that streamlines the home financing process by integrating open banking and credit bureau connections to reduce approval times from 14 weeks to 4 weeks. Offers personalized mortgage solutions with fixed interest rates starting at 10.48%, flexible income verification, and terms ranging from 5 to 30 years, enabling users to secure affordable financing tailored to their needs.

Finloup offers technology leasing solutions for businesses and individuals, utilizing Open Banking to streamline the application and approval process. This service enables users to access the latest devices with low upfront costs, improving cash flow and providing flexibility in managing technology assets.

The startup offers a digital financial service platform that enables unbanked communities to access essential financial transactions such as remittances, bill payments, and merchant payments through a mobile app. By connecting users with banks, microfinance institutions, and mobile wallet services, the platform addresses the lack of accessible financial services in underserved markets.

Provides a mobile banking platform tailored for freelancers, small businesses, and startups, offering features like instant international transfers, expense management, and automated invoicing. Streamlines financial operations by combining banking services with tools for cash flow tracking, compliance, and team expense control, all supported by 7/7 customer service.

Floid is an Open Data platform that enables financial institutions in Latin America to perform risk assessments and streamline payment processes through data aggregation and direct transfers. By connecting to over 100 data sources, Floid enhances financial inclusion and operational efficiency for businesses while ensuring secure transactions with ISO 27001 certification.

Datanomik is an Open Finance B2B platform that aggregates financial data from various institutions across Latin America, enabling businesses and Fintechs to access and utilize this information efficiently. By providing standardized APIs and data integration solutions, Datanomik addresses the challenge of fragmented financial data access, enhancing decision-making and operational efficiency for its users.

Onemoney provides a consent management platform that allows consumers to control their financial data while enabling financial institutions to securely request and share this data through APIs. By facilitating user consent for data access, the platform enhances privacy and compliance in the Open Banking ecosystem.

The startup offers a credit automation platform that utilizes open banking data, machine learning, and artificial intelligence to assess consumer credit scores and manage loan lifecycles. This technology enables partner banks and financial institutions to provide instant loans, addressing the inefficiencies in traditional credit assessment and loan approval processes.

The startup provides testing and infrastructure tools that enable banks and financial institutions to comply with evolving consumer data rights regulations through blockchain-based solutions. By leveraging expertise in open banking and data management, the company ensures secure and efficient handling of consumer data for data holders.

Bloxley is a mobile banking platform that provides services such as card payments, money transfers, and financial analytics through a user-friendly app. It addresses the need for fast, secure, and accessible banking solutions by enabling users to manage their finances in real-time without the complexities of traditional banking.

Fennech offers a cloud-based corporate banking platform that hyper-automates finance, treasury, and payment processes, providing real-time visibility and control with minimal human intervention. The platform integrates seamlessly with existing IT systems, enabling businesses to manage payments and liquidity across multiple banking partners efficiently and cost-effectively.