In today’s rapidly evolving financial landscape, collaboration between traditional banks and fintech innovators is the key to delivering faster, more agile services to customers. At BankingUnfold, we offer secure, scalable, and developer-friendly API Banking & Fintech Integration services that enable banks, NBFCs, and startups to connect seamlessly and build new-age financial ecosystems.
Our solutions help institutions open their core banking functionalities to trusted partners through standardised APIs — driving innovation, improving customer engagement, and accelerating digital transformation.
What We Offer
Our API Banking suite enables secure and real-time data exchange between banks and third-party platforms, covering a wide range of financial services:
1. Account Aggregation APIs
Allow users to view consolidated financial data across multiple banks via a single interface, fully compliant with India’s Account Aggregator (AA) framework.
2. Payment Initiation APIs
Enable instant money transfers through UPI, NEFT, RTGS, and IMPS. Perfect for fintechs building custom wallets, payment gateways, or invoice systems.
3. KYC & Onboarding APIs
Facilitate seamless digital customer onboarding using Aadhaar eKYC, PAN validation, mobile OTP verification, and video KYC integration.
4. Balance, Statement & Transaction APIs
Provide real-time account balance updates, mini statements, transaction histories, and alerts to end-users, merchants, or financial advisors.
5. Loan Origination & Credit APIs
Power your digital lending journeys by integrating eligibility checks, credit bureau scoring, document collection, and sanctioning workflows.
Why Choose BankingUnfold for API Banking?
- Secure API Gateway: Built-in encryption, rate limiting, token-based authentication, and role-based access control
- Compliant with Indian Standards: Supports RBI’s open banking initiatives and frameworks from NPCI, SEBI, UIDAI, and DEPA
- Developer-First Approach: Extensive API documentation, sandbox environments, SDKs, and real-time testing support
- Modular & Scalable: Choose what you need — from standalone APIs to bundled fintech integration suites
- Faster Time-to-Market: Reduce development time with plug-and-play APIs and end-to-end support
Use Cases & Target Audience
API Banking opens doors for a wide range of digital financial applications across industries:
- Fintech Startups building wallets, UPI apps, BNPL, and investment platforms
- NBFCs digitizing their credit operations
- Corporate Portals offering salary disbursement, vendor payments, or treasury services
- SaaS Companies embedding financial tools within their platforms (e.g., ERPs, CRMs)
- Neo-Banks delivering full-stack digital banking experiences without owning a license
India-Ready Integrations
We provide ready connectors and regulatory support for:
- UPI & Bharat BillPay
- Aadhaar-based eSign & eKYC
- DigiLocker and CKYC access
- GSTN and PAN validation services
- Account Aggregator ecosystem
Collaborate and Build with Confidence
At BankingUnfold, we believe in powering open banking for everyone — responsibly and securely. Our API Banking & Fintech Integration services enable you to deliver new financial products, expand your reach, and comply with India’s digital regulations effortlessly.
👉 Contact us today to explore our APIs or request a sandbox demo.