Live on 1,000+ European banks

Open banking, truly yours.

Stop building around a middleman. YAXI is the invisible infrastructure that connects directly to banks with zero branding, no data access, and no regulatory overhead.

Get your free API key in 60s→ Read the docs →
Legacy Providers With YAXI
← Drag to compare →

Stop explaining your provider.

Legacy providers

Their brand. Their platform. Their timeline.

  • ✕ Talk to sales before you can start building
  • ✕ Develop against a sandbox
  • ✕ Pay four-figure monthly minimums before a single user
  • ✕ Provider logo and consent screen hijack your UX
  • ✕ Provider sees and stores all credentials and data
  • ✕ Enterprise-only
YAXI

Your brand. Your environment. Your rollout.

  • Live in 60 seconds. No sales calls.
  • Real banks right from the start.
  • You always start free.
  • Your brand only. No forced consent screens.
  • YAXI never has access to user data.
  • Any scale, startup to enterprise.

Why choose YAXI.

Live in 60 seconds

0123456
0123456789012345678901234567890123456789012345678901234567890123456789
s

Self-service signup, real API key, real bank connections — immediately. No sandbox, no sales call, no upfront cost.

Your brand, your flow

You own every screen and interaction. No provider UI, no logos, no consent popups. You know your users best — YAXI stays invisible.

No user opt-in

Third Party Provider®Third Party®TPP® Terms of ServiceTermsTerms Privacy PolicyPrivacyPrivacy

Users never interact with a third party. No cascading consent screens, no unfamiliar brands mid-flow. The most sensitive moment stays entirely in your hands.

Just the right data

Balance €4,231.50
Name Peter Steiger
€29.99
€13.99
€41.23
€8.47
€109.90
€29.99
€13.99
€41.23
€8.47
€109.90

Users share only what's needed — nothing more. You define the scope, they stay in control. Better privacy, better conversion.

Always the best connection

PSD2
FinTS
Direct

YAXI multiplexes bank API routes to always pick the one with the best user experience and conversion. Reliability without managing integrations.

Any platform, any stack

Ready-made SDKs for JavaScript, Kotlin, Swift, Rust, C++, and more. Get started on any platform. Handles all security behind the scenes, automatically.

Instant Payments
Verify Identity
Account Aggregation
Risk Assessment
Vibe Ready
Your idea

How YAXI works.

YAXI creates a hardware-encrypted tunnel between your users and their banks. Your app triggers it. YAXI never sees the data.

Your App
YAXI ticket YAXI result
User
Online banking credentials Make instant payment Get account holder Get balance Get transactions Result
YAXI tunnel
User's Bank
1

Your app uses its API key to issue a service ticket. Get your free API key here.

2

The ticket defines the action users are asked to do: pay a specific beneficiary, verify their identity, or retrieve balances and transactions.

3

Everything flows through YAXI's on-device tunnel, keeping all data private between the user and their bank.

4

YAXI derives a tailored, signed statement from the bank's response — ready for your backend to verify.

Find your bank. See the code.

1,000+ European banks, live on every call. Others refresh a few times a day. YAXI connects in real time, every time.

No match found. Need a specific bank? Let us know
| |

Start free now. Scale when you're ready.

Free
Build and ship — no strings attached
€0
No credit card required
  • Up to 1,000 service calls/month∗
  • All services included
  • Real bank connections
  • Community support
Get started — it's free
Premium
For products going to production
€0.15 / service call∗
€500 monthly minimal commitment
  • Pay as you go
  • Minimal commitment fully applied to call volume
  • Production-grade availability
  • Priority support
Get started — it's free
Enterprise
Custom SLA, compliance & volume
Custom
Tailored to your requirements
  • Volume pricing
  • Custom SLA
  • Dedicated support
  • Custom workflows
Talk to us

∗ Service calls include SEPA (instant) credit transfers and balance & transaction retrievals. Other service calls may be priced separately.

The founding team.

Dr. Vincent Haupert
Co-Founder & CEO

Banking security expert shaping YAXI's product vision. His PhD uncovered critical vulnerabilities in online banking. He co-founded YAXI to rebuild the infrastructure he used to break.

Christopher Schramm
Co-Founder & COO

The brain behind YAXI's 1,000+ bank connections. Christopher has integrated more European banking APIs than most people know exist and runs the operation that keeps every single one of them live.

Andreas Stührk
Co-Founder & CTO

Leads YAXI's confidential computing stack. Over a decade of building dependable systems at scale, from Gini to IBM, now focused on the security foundation YAXI runs on.

Common questions.

No. Sign up, grab your API key, and start building with real bank connections — all in under 60 seconds. Talk to us when you want to, not because you have to.
YAXI uses confidential computing to process data inside hardware-isolated enclaves. We never see, store, or have access to user credentials or banking data. Because we technically cannot access the data, we operate as infrastructure — not as a payment institution.
You don't have to. YAXI is fully stateless. There are no stored connections, no persisted credentials, no retained account data. Every request is ephemeral. There is nothing to delete because there is nothing saved.
Confidential computing uses hardware-level isolation to create secure enclaves where data is processed in encrypted memory. Not even the server operator or cloud provider can access the data. Every connection is cryptographically attested, providing mathematical proof that the data was processed securely and was never exposed.
YAXI was founded in 2022 by security researcher Dr. Vincent Haupert along with co-founders Christopher Schramm and Andreas Stührk. The company is not venture-capital funded. Instead, YAXI is majority-backed by REINER, a German Mittelstand company with decades of experience building trusted hardware for banking and identity — including smart card readers for online banking and national ID cards. The founders retain 45% ownership and full operational control. This structure lets YAXI focus on building lasting infrastructure instead of chasing the next funding round.
Both. YAXI fully supports on-device use cases — and is in fact the only solution that enables true on-device processing. But it's not limited to that. Your users interact with your frontend, while the actual processing happens in YAXI's secure enclaves on dedicated hardware in the cloud. Your backend receives cryptographically signed results (JWTs) that you can independently verify and use. You get the security benefits of on-device processing with the flexibility of a cloud service.
Every single time you request them. Other providers refresh account data a few times a day at their discretion. You have no control over when it happens or how fresh the data is. With YAXI, every API call connects to the bank live. You decide when to fetch, not your provider.
Yes. All SEPA credit transfers through YAXI are instant by default. If you need to send a standard (non-instant) credit transfer instead, the API supports that too.
YAXI offers official SDKs for JavaScript, Kotlin, Swift, Rust, C++, and Lua. If you need support for a language or framework not listed here, reach out — we're happy to help.
Absolutely. The free tier includes 1,000 API calls per month with real bank connections — no credit card required. Build prototypes, personal finance tools, or open source projects at zero cost.
Depending on the bank, YAXI uses digital certificates issued to DaoPay GmbH to connect to the bank's API. DaoPay GmbH is a payment service provider licensed in Austria, which is why the name "DaoPay GmbH" may occasionally appear on the bank's side. However, DaoPay is not involved in the technical processing — it never sees online banking credentials and does not receive any order details, balances, transaction history, or other personal information.
Reach out. YAXI exists to make open banking work — and that means making it work for you. If you have a compelling use case but the standard plans don't fit, we'll find a setup that does. Drop us a line at hello@yaxi.tech and let's figure it out together.

Stop explaining your provider.
Start building for your users.

Create free account → Explore the docs →