Why OpenBanqing

Ship open banking 6× faster — without cutting a single compliance corner.

One API contract. Every rail. Every major core. Every compliance frame that matters. Your team gets to focus on product instead of plumbing regulators.

Book a demoSee features →
8 months → 6 weeks
Typical core-banking + open-banking integration timeline, collapsed.
99.95% SLA
Multi-region, multi-AZ, published monthly with evidence packs.
12+ compliance frames
PSD2, PSD3, FAPI 2.0, FDX, OB UK, Basel III, SOC 2, ISO 27001, GDPR, DORA, PCI DSS, AML/FATF.
40+ rails live
SEPA Instant, FedNow, Faster Payments, SWIFT gpi, AIS, PIS, CBPII, and more.

Before vs. after

What a typical integration looks like on legacy stacks — and what it looks like on OpenBanqing.

Fragmented core connectors

Before

Every bank integration is bespoke, 6–12 months, brittle on release day.

With OpenBanqing

One API contract across Temenos, Finastra, Mambu, FIS, Fiserv — upgrade-safe.

Compliance as bolt-on

Before

PSD2/FAPI/FDX retrofitted late, auditor surprises, re-architecture.

With OpenBanqing

Compliance kernel gates every request. SCA, DPoP, PAR, consent — by default.

Payments rail zoo

Before

SEPA, SWIFT, FedNow, RTP, FPS — five SDKs, five schemas, five ops rotas.

With OpenBanqing

One ISO 20022 abstraction. Pick the rail at call-time, not at build-time.

Auditor evidence gaps

Before

Manual evidence collection before every SOC 2 / ISO audit — weeks of eng time.

With OpenBanqing

Evidence packs generated continuously. Exported on demand for SOC 2, ISO 27001, DORA.

Trusted by (pilot cohort)
Neobank AlphaCommerce Bank UKFlash Payments USZen Savings APACHorizon CapitalKite FXMeridian WealthVega Treasury

A single compliance kernel for every rail

Every request flows through one policy engine. SCA, DPoP, PAR, MTLS, consent lookup, ISO 20022 validation, sanctions screening, audit logging — in one predictable path. No per-rail forks. No per-region special cases.

  • ✓ Cerbos ABAC policies — per-resource, per-action
  • ✓ FAPI 2.0 Advanced — DPoP + PAR + MTLS
  • ✓ ISO 20022 native across payment/settlement
  • ✓ Evidence packs auto-exported for audits
# One call, every compliance gate:
POST /obf/v1/payments/sepa-instant
Authorization: DPoP <token>
DPoP: <proof>
x-fapi-financial-id: <tpp>
x-fapi-interaction-id: <uuid>

→ [Cerbos] principal.role × resource.scope
→ [Consent] AISP/PISP consent lookup
→ [Sanctions] OFAC + EU + UN + UK + AUSTRAC
→ [Rails] SEPA Instant via Target Instant
→ [Audit] JSONL log, SOC 2 CC7.2

← 201 Created { paymentId, status: "Accepted" }

Stop paying the integration tax.

Talk to us. We'll map your current stack to our rails, show you a time-to-live estimate, and hand you a compliance evidence pack on day one.

Book a 30-min architecture call →