Open Banking

Open Ecosystems.
Endless 

An open banking platform enables clients to share data securely, connect partners and launch new services.

Product Overview

Avante opens banking safely: API gateway, consent, developer portal and partner management on one platform.

An open banking platform to share data safely and connect partners. Manage APIs, consent and third parties in one place, and launch pay-by-bank and new services faster.

  • API GatewaySecure access
  • Consent ManagementCustomer permissions
  • Account InformationData sharing
  • Payment InitiationPay from account
  • Developer Portal & SandboxPartners live faster
  • Partner ManagementThird-party oversight
Another view of the same product
Channels & Experience:4 channels
Open Banking Engine:4 modules
Data, Reporting & Integration:8 services
Security & Governance:6 controls
Open Banking Integrations:9 connections
Layer 1 · 4 channels

Channels & Experience

  • Developer PortalDocs & sandbox
  • Third-Party AppsAccount & payment access
  • Partner MarketplaceCurated services
  • Consent DashboardManage permissions
Layer 3 · 8 services

Data, Reporting & Integration

  • Open APIsREST & events
  • Core Ledger SyncReal-time postings
  • Data Lake & AnalyticsUnified data platform
  • DashboardsKPIs & insights
  • Alerts & NotificationsOmni-channel
  • Audit TrailsImmutable logs
  • Regulatory ReportingCentral bank ready
  • Host-to-HostLegacy integration
Layer 2 · 4 modules

Open Banking Engine

  • API GatewaySecure access
  • Consent ManagementCustomer permissions
  • Account InformationData sharing
  • Payment InitiationPay from account
Across every layer · 6 controls

Security & Governance

  • Access ControlRole-based & SSO
  • Maker-CheckerDual authorization
  • EncryptionAt rest & in transit
  • Compliance ControlsAML & KYC checks
  • ObservabilityMonitoring & SLAs
  • Flexible DeploymentCloud or on-premise
Integrations · 9 connections

Open Banking Integrations

Core Banking Payments Hub Cards Hub Identity Verification & KYC Risk & Compliance Open Banking Standards Fintech Partners CRM Data Warehouse

Avante Value Proposition

Choose your institution to see the use cases that matter most to you.

Regulatory Open Banking Compliance

Meet open banking rules on time.

Value for you
  • Compliant APIs out of the box
  • Lower build cost
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Partner & Fintech Marketplace

Offer partner services to your customers.

Value for you
  • New revenue from partners
  • A richer customer experience
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Corporate API Banking

Connect corporate ERPs directly to the bank.

Value for you
  • Real-time corporate payments
  • Stickier corporate relationships
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Shared API Platform

Open APIs without building them yourself.

Value for you
  • Open banking compliance at low cost
  • Access to fintech partners
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Account Aggregation for Members

Members see all their accounts in one place.

Value for you
  • A complete financial picture
  • More engaged members
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Verified Income for Loans

Use shared data to verify income.

Value for you
  • Faster loan decisions
  • Fewer fraudulent applications
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Multi-Bank Account View

Show accounts from other banks in your app.

Value for you
  • Become the customer’s main app
  • Better insights for customers
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Pay-by-Bank at Checkout

Account-to-account payments for shopping.

Value for you
  • Lower payment costs than cards
  • Instant settlement
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Variable Recurring Payments

Smart sweeps and top-ups between accounts.

Value for you
  • Automated money management
  • Stickier customer relationships
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Bank Statement Analysis

Assess borrowers from real bank data.

Value for you
  • Accurate affordability checks
  • Faster decisions
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Account-to-Account Repayments

Borrowers repay directly from their bank.

Value for you
  • Lower collection costs
  • Fewer failed payments
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Borrower Consent Management

Clear, secure permission for data access.

Value for you
  • Customer trust
  • Compliance with data rules
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Unified API Access

One API for many banks.

Value for you
  • Faster fintech launches
  • Less integration work
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Personal Finance Apps

Budgeting and insights from shared data.

Value for you
  • Rich features for users
  • Stronger user retention
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Instant Account Verification

Confirm account ownership in seconds.

Value for you
  • Fewer failed payouts
  • Lower fraud
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Pay-by-Bank for Merchants

Accept account-to-account payments.

Value for you
  • Lower acceptance costs
  • Instant settlement to merchants
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Embedded Finance for Platforms

Offer banking services inside your platform.

Value for you
  • New revenue streams
  • Stickier platform users
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Refunds to Bank Accounts

Refund customers directly to their bank.

Value for you
  • Faster refunds
  • Lower refund costs
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Premium Payments by Bank

Collect premiums directly from accounts.

Value for you
  • Lower collection costs
  • Fewer lapsed policies
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Income Verification for Underwriting

Verify income from bank data.

Value for you
  • More accurate underwriting
  • Faster policy decisions
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Claims Paid to Verified Accounts

Pay claims to confirmed accounts only.

Value for you
  • Fewer misdirected payouts
  • Faster claim settlement
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