Connect

Universal Financial Access

Ingest everything. Universal intake for Banks, Platforms (Uber/Shopify), and Market Context. Features 'Webhooks-as-Data' to turn any event into a financial signal.

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VISA

AMEX

The Infinite Integration Layer

Building direct bank integrations is a nightmare of legacy code, changing standards, and downtime. Connect abstracts this chaos into a Provider Abstraction Layer (PAL).

We wrap the world's best aggregators (Plaid, Yapily, GoCardless) and combine them with direct PSD2 connections to give you:

Instant Global Coverage: Turn on new markets with a config switch.

Redundant Routing: If one provider fails, we automatically reroute to another.

Unified Schema: You get clean, normalised FintraOS data objects, regardless of the source.

Intelligent Routing

Why rely on one provider? Connect constantly monitors success rates.

Latency Arbitration: We route requests to the fastest provider for that specific bank.

Failover Protection: Primary connection down? We switch to backup instantly.

Cost Optimisation: We route high-volume calls through lower-cost direct pipes.

The Identity Bridge (Magic Link)

Zero Cold Starts. The biggest friction in Fintech is onboarding. Users hate re-entering data. With our Financial Passport technology, if a user has connected their accounts to *any* FintraOS-powered app, they can instantly hydrate their profile in yours (with consent).

One-Click Onboarding: "Welcome back, Jane. Link your Barclays account?"

Historical Depth: Start Day 1 with 5 years of history, not a blank slate.

Beyond Open Banking

Real wealth isn't just in a checking account. Connect is the first gateway built for the Multi-Asset Future.

Any Asset, Any Source

We don't just scrape banks. We ingest the full balance sheet.

Crypto Native: Direct integrations with major chains and exchanges (Coinbase, Binance).

Real World Assets: Automated valuation models (AVM) for Real Estate.

Manual Entry API: Endpoints for Watches, Art, and Private Equity.

Webhooks-as-Data-Sources

Turn your own platform into a data source. Pipe your internal event streams directly into FintraOS.

Gig Economy: Ingest "Rides Completed" to correlate with income.

E-Commerce: Ingest "Gross Merchandise Value" for business lending underwriting.

Enterprise Grade Reliability

Financial data is mission-critical. We treat it that way.

The Sync Engine

A high-throughput state machine designed for consistency.

Idempotency: We guarantee exactly-once delivery of transactions.

Diffing Engine: We detect edited, pending, and settled transaction states automatically.

Smart Retries: Exponential backoff that respects bank API rate limits.

Global Context Streams

Data without context is meaningless. Connect enriches your user data with macro-economic streams to provide the "Denominator" for wealth.

MarketStream: Real-time equity and crypto pricing.

MacroStream: Live inflation (CPI) and interest rate feeds.

GreenStream: ESG and carbon impact data for every merchant.

Ready to integrate Universal Financial Access?

Get full access to the Universal Financial Access SDK and start building the future of finance today.

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