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Account Types

Our API supports various types of accounts:

Payment Accounts

Includes current accounts, checking accounts, and other payment instruments

Savings Accounts

Interest-bearing accounts for saving purposes

Credit Cards

Credit card accounts with associated credit limits

Investment Accounts

Accounts holding investment products and securities

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Data Models

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Account Information

User consent is a crucial aspect of AIS. All data access requires explicit consent from the account holder.
1

Request Consent

Application requests access to specific account information
2

User Authorization

Account holder reviews and authorizes the request
3

Consent Storage

Consent details are securely stored
4

Access Management

API enforces consent boundaries during data access

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Data Refresh

Implement smart refresh strategies to balance data freshness with API usage

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Refresh Methods

  1. Real-time Access
    • Direct connection to bank
    • Latest data always available
    • Higher API usage
  2. Cached Access
    • Data stored temporarily
    • Reduced API calls
    • Configurable freshness
  3. Webhook Updates
    • Push notifications
    • Real-time updates
    • Efficient resource usage

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Security

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Data Protection

Encryption

All data is encrypted in transit and at rest

Access Control

Fine-grained permission system

Audit Logging

Comprehensive activity tracking

Compliance

PSD2 and GDPR compliant

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Error Handling

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Common Error Scenarios