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About Open Finance Studio: Authorized Finance App Data Integration Beyond Official APIs
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A research practice and engineering studio that maps open-finance regulation and builds authorized app-protocol data integrations where official APIs stop.
Open finance is expanding fast beyond open banking — from payments into
investments, pensions, insurance, credit and tax. But the rules, API
standards and data providers remain fragmented across jurisdictions:
CFPB 1033 in the US, UK Smart Data, PSD3/FIDA in the EU, Australia's
CDR, Open Finance Brasil and India's Account Aggregator all work
differently. For developers and finance teams that need data out of a
specific finance app, official consent-based APIs and aggregators often
cover only part of the market. Open Finance Studio exists to close that
gap with authorized, protocol-layer data integration.
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WHAT OPEN FINANCE STUDIO COVERS
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The practice has two halves that reinforce each other:
• A reference resource — clear, current guides to open-finance
regulations, API standards (FDX, FAPI, OAuth2/OIDC) and the
aggregator market, plus a country-by-country finance-app
directory grouped by category.
• An engineering studio — authorized, protocol-layer analysis
that produces a documented data-export integration for the
specific finance app you name.
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WHAT CAN BE INTEGRATED
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Where official APIs and aggregators stop, the studio delivers:
• Account aggregation with customer consent
• Reconciliation data flows for finance and ERP teams
• Credit decisioning data pipelines
• Treasury sync for corporate finance operations
• Documented data-export integrations delivered as runnable
source code you operate in your own environment
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USE CASES
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[1] Account aggregation
• Aggregate customer account data with explicit consent where
no aggregator covers the target app.
[2] Reconciliation
• Pull transaction data from a specific finance app into your
reconciliation or ERP workflow automatically.
[3] Credit decisioning
• Feed authorized app-level data into lending and risk models
for markets official APIs don't reach.
[4] Treasury sync
• Keep corporate treasury systems in sync with balances and
movements from the finance apps you actually use.
[5] Market research
• Use the studio's regulation, standards and app-directory
guides to plan multi-market data-integration strategy.
✓ Authorized and licensed use cases only, under a written
statement of work — no unsolicited scraping of third-party
systems.
✓ Your data stays yours: the integration runs under your
credentials, in your environment — the studio never hosts
your data.
✓ Maintainable delivery: runnable source code plus
documentation, not a black-box script that breaks silently.
✓ Test before you commit: you test a packaged API first and
receive the full source code after acceptance.
Delivery is priced from USD 500 per app, typically within 1–2 weeks.
If you need data from a finance app with no official API — whether for
aggregation, reconciliation, credit decisioning or treasury sync —
Open Finance Studio scopes it, lets you test a packaged API first, and
delivers runnable source code plus documentation after acceptance.
Learn more and discuss your project:
https://openfinance-lab.com/about/
