YAXI is open banking at its best: no provider logos, no provider terms, no provider privacy policies. Build tailored open banking use cases your users trust without ever having to worry about regulation. Plus, you always start free.
Legacy third party providers (TPPs) impose their terms and conditions and brand on your users, but leave you with the burden of explaining their universal access to the user's account.
YAXI puts your users and your brand first: thanks to our unique and industry-leading confidential computing technology, YAXI never interferes with your user journey, allowing you to build frictionless open banking flows your users trust.
YAXI allows you to request derived information from your users' online banking account, tailored to your use case.
For example, you can ask your users to share only their name and the information if their balance is above a certain threshold. This way, your users only have to share the information you need to provide a service to them, while all other information remains private to the user.
Different banks in different markets all have different APIs. While traditional third party providers are limited to PSD2 APIs, YAXI multiplexes between different APIs including PSD2, FinTS and screen scraping. This way, we ensure that you always use the best-performing connection to your users' banks.
YAXI supports 99% of German banks, including account information and payment initiation. All payments are SEPA instant credit transfers by default.
We focus on fully covering each market, starting with Germany, and are rapidly expanding to support more banks across Europe.
Athough YAXI's technology is very sophisticated, getting started is easy. All you have to do is integrate our SDK which handles all the cryptographic checks and encryption behind the scenes.
Our SDKs run on all platforms (web browser, Windows, Mac, Linux) and support a wide variety of programming languages and frameworks.
We understand that getting started with Open Banking is too difficult and too expensive. That is why YAXI offers a full self-service plan that allows you to get started anytime for free.
Whether you want to connect your personal bank accounts as part of a hobbyist project, offer open banking services in an open source project, or implement an open banking use case in your commercial product, you'll always start free and we're happy to grow with you.
With YAXI, you always start free, and as you scale, you'll know exactly what you'll pay.
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We believe deeply in the disruptive potential of open banking. To unlock this potential we build our products with the user's best interests in mind, minimizing friction and the data users need to share.
Dr. Vincent Haupert
Co-Founder & CEO
Christopher Schramm
Co-Founder & COO
Andreas Stührk
Co-Founder & CTO
Andreas Hofer
Software Engineer
Tuomas Pirhonen
Software Engineer
Unlike traditional third party providers, YAXI's open banking infrastructure does not rely on a classic client-server architecture. Instead, YAXI creates a virtual on-device environment that keeps all data exchanges between users and their banks private. YAXI's confidential computing technology ensures that neither YAXI, YAXI's data center provider nor YAXI's customers have ever access to the user's online banking credentials.
While transfers are user-defined SEPA credit transfers, payments are customer-defined SEPA credit transfers. Bank transfers are typically used when the user doesn't need to prove to a third party that a particular transfer has taken place (e.g., multi-bank applications). Payments, on the other hand, work with pre-defined transfer details and allow for verification that a transfer was successful (e.g., e-commerce payments).
Yes, YAXI payments are SEPA instant credit transfers by default. Since the most of the banks already support sending SEPA instant credit transfers, the vast majority of YAXI payments already happens instantly trough SCT Inst.
We will soon provide a self-service flow. For now, just reach out to us.