Fintecture

Building the Open Banking ecosystem together

banks

countries

standards

Open banking & psd2

Open banking is going from a utopia to a reality in Europe. PSD2 regulation empowers many use-cases capable of shifting the landscape of financial industry and eRetail in Europe.

Also, PSD2 regulation is creating one of the biggest and most accessible and harmonised market in the world. The European banking industry is becoming a standardised market attracting different new and innovative players.

what we do

Technological

To provide relevant service based on PSD2, business have to connect to hundreds of European banks, if not all of them

Regulatory

The authorisation process is so heavy and demanding that only happy few can achieve

Products

Payment
initiation api

SEPA transfers & SEPA instant transfers

We want developers to build amazing applications and it all starts with a great developer-friendly documentation

{
    "meta": {
        "customer_id": "6d156cce7570d7cf12ef267e75003ecb"
    },
    "data": [
        {
            "id": "30d10d844ed716021219a0d9563d3e95df9da58b9370d745c249b1eb5005ad38",
            "type": "accounts",
            "attributes": {
                "account_id": "123000000002600",
                "iban": "DE10000000000000002600",
                "balance": 1169.26,
                "account_name": "my account",
                "account_type": "CURRENT_ACCOUNT",
                "currency": "EUR",
                "product": "KK-Konto/Persönliches Konto",
            }
        },
        {
            "id": "4f548a4004125c84599918937a9765d02aba48205ae548ab847089f68ab51934",
            "type": "accounts",
            "attributes": {
                "account_id": "123000000002611",
                "iban": DE10000000000000002611,
                "balance": 31911.64,
                "currency": "EUR",
                "account_name": "saving account",
                "account_type": "SAVING",
                "product": "KK-Konto/Persönliches Konto",
            }
        }
    ]
}
{
    "meta": {
        "customer_id": "6d156cce7570d7cf12ef267e75003ecb"
    },
    "data": [
        {
            "id": "74234e98afe7498fb5daf1f36ac2d78acc339464f950703b8c019892f982b90b",
            "type": "transactions",
            "attributes": {
                "account_id": "DE10000000000000002600",
                "transaction_id": "234543254544343432",
                "booking_date": "2017-04-27T00:00:00.000",
                "value_date": "2017-04-27T00:00:00.000",
                "amount": -52.5,
                "currency": "EUR",
                "communication": "Beer Money",
                "beneficiary": {
                    "name": "GEZ",
                    "account_id": "DE10000000000000123456",
                    "swift_bic": fddodexx
                },
            }
        },
        {
            "id": "74234e98afe7498fb5daf1f36ac2d78acc339464f950703b8c019892f982b90b",
            "type": "transactions",
            "attributes": {
                "account_id": "DE10000000000000002600",
                "transaction_id": "234543254544348765",
                "booking_date": "2017-04-27T00:00:00.000",
                "value_date": "2017-04-27T00:00:00.000",
                "amount": -1080,
                "currency": "EUR",
                "communication": "Thanks buddy",
                "beneficiary": {
                    "name": "Hans Felsenkamp",
                    "account_id": "DE55201900030000675488",
                    "swift_bic": deutde
                },
            }
        }
    ]
}
{
    "meta": {
        "customer_id": "6d156cce7570d7cf12ef267e75003ecb"
    },
    "data":[ 
        { 
            "id": "62610159e79550c9ad727e3e81446e6f40f905be4bf6904ae0de95e287294fb7", 
            "type": "accountholders", 
            "attributes": { 
                "first_name": "CECILIA", 
                "middle_name": "STEFANIA", 
                "last_name": "OLIVERTWIST", 
                "sex": "FEMALE", 
                "birthdate": "1975-05-05", 
                "marital_status": "MARRIED",
                "emails": [ 
                    { 
                        "email_type": "PRIVATE", 
                        "email": "caop@gmail.com" 
                    },
                    { 
                        "email_type": "WORK", 
                        "email": "caop@fintecture.com" 
                    } 
                ], 
                "phones": [ 
                    { 
                        "phone_number": "0664352323", 
                        "phone_type": "PRIVATE", 
                        "phone_extension": "0033"
                    }
                ], 
                "identity_documents": [
                    {
                        "id_number": "078000000P", 
                        "id_type": "NATIONALID", 
                        "id_expiration_date": "2022-05-12", 
                        "id_issue_date": "2012-05-12",
                        "id_country": "ES", 
                        "id_issue_city": "MADRID" 
                    } 
                ], 
                "addresses": [ 
                    { 
                        "address_type": "HOME", 
                        "address1": "Rue Charles De Gaulle", 
                        "address2": "8", 
                        "zip": "00004", 
                        "city": "Paris", 
                        "country": "France"
                    } 
                ] 
            } 
        } 
    ]
]
{
    "data": {
        "type" : "payment", 
        "attributes" : {
            "debited_account_id" : "123000000002600",
            "amount" : "170", 
            "currency": "EUR", 
            "transferType": "SEPA", 
            "feePolicy": "SHARED",
            "communication" : "Keep your dirty money!",
            "beneficiary" : {
                "name" : "Bob McCheese",
                "address1" : "Rue du Jura",
                "address2": "12",
                "address3": "",
                "address4": "",
                "zip": "12003",
                "country": "Cyprus",
                "iban" : "CY6593857450293470",
                "swift_bic": "HEBACY2NXXX"
            },
            "_external_uid": "1234"
        }
    }
}

Protection

security at every level

  • Technical standards
  • privacy by design
  • bank grade encryption
  • strong customer authentication
  • No webscapping
  • GDPR Compliant

Stay informed

how it works

discover

Explore the API documentation

experiment

Create an app and play in our sandbox

launch

Go into production and monitor your progress

We belong to the
great community