Features
OpenBanq provides a comprehensive open-banking infrastructure stack. Below is the feature surface across six categories.
Payments & Settlement
- ✓SEPA Credit Transfer & SEPA Instant Credit Transfer
- ✓FedNow and RTP (US real-time payments)
- ✓SWIFT gpi with full tracker integration
- ✓Cross-border FX with real-time mid-market rates
- ✓Bulk & batch payments with idempotency keys
Core Banking Connectors
- ✓Coverage of all major core-banking platforms (deposit, loan, customer, transaction)
- ✓Standardised normalisation across cores — write once, route anywhere
- ✓Hot-swappable backends — migrate cores without API changes
- ✓Realtime balance and posting parity across systems
- ✓Per-core SLA monitoring and circuit breakers
Open Banking Standards
- ✓PSD2 Berlin Group NextGenPSD2 v1.3.12
- ✓Open Banking UK v3.1.11
- ✓FDX Financial Data Exchange 6.0
- ✓FAPI 2.0 Baseline + Advanced security profiles
- ✓Consent management (AISP/PISP/CBPII)
Regulatory & Risk
- ✓Basel III: RWA, LCR, NSFR real-time calculation
- ✓KYC + AML with sanctions + PEP screening
- ✓Transaction monitoring with rules + ML
- ✓ISO 20022 native message modelling
- ✓Jurisdictional compliance (FCA, BaFin, ACPR, FINMA, DFSA)
Developer Experience
- ✓OpenAPI 3.1 with machine-readable error envelopes
- ✓First-class SDKs for every major language
- ✓Mock server with recorded fixtures
- ✓Webhook replay + retry semantics
- ✓Structured audit logs (who/what/when/why)
Operations & Reliability
- ✓99.95% uptime SLA (enterprise tier)
- ✓Multi-region active-active (EU + US + APAC)
- ✓Structured failure pipeline with fingerprinting
- ✓Attribute-based authorization on every endpoint
- ✓SBOM + DAST + ECR image scan per release