The leading Open API middleware for banking.
Let us help you accelerate your Open Banking journey.
Pioneering Open Banking concepts, standards and technology since 2010, Open Bank Project is the global standard and open source API solution for Open Banking.
OBP has inspired and supports regional standards and frameworks such as UK Open Banking, STET and Berlin Group.
Drive Innovation & Scale your partnership effort
With over 11,000 developers and fintechs using the Open Bank Project, banks can tap into a global community of innovators who are keen to collaborate. For examples see our ecosystem page here.
Our technology was built with fintech developers in mind, giving them a superior experience and unparalleled access to tools and documentation to boost their productivity.
Enhance Security & Control
Control third-party relations using access control, monitoring, and authentication in the OBP API Manager. Decide which APIs to expose and to whom, and revoke access at any time.
The solution is deployed on-site behind the bank’s firewall, ensuring a level of security equal to or better than the bank’s current systems.
Experiment in the Open
OBP offers a fully-operational and self-contained sandbox environment deployed in the cloud or on-site using test data. The sandbox enables the bank to offer an experimentation facility not connected to production systems (ideal for hackathons and prototyping). Developers can then engage in creative experimentation using a catalogue of over 400 pre-built APIs – e.g. access to accounts, transactions, payments, KYC, etc.
Expedite integration with your legacy
Using best-of-breed, functional and scalable technology, the Open Bank Project provides a set of pre-built connectors and adapters that integrate with core banking systems.
The overall architecture comprises modular building blocks which enable organisations to cherry-pick modules that best fit their requirements.
Future proof your bank in accordance with Open Banking regulation
OBP enables EU PSD2 compliance out-of-the-box, covering everything from payment initiation to Strong Customer Authentication (SCA). The platform also offers the ability to surface multiple industry standards such as Berlin Group and UK Open Banking.
We commit to tracking regulatory changes and enhancing the platform accordingly, making the solution future-proof in terms of future Open Banking regulations in your country.
Powered by Open Source and a stellar international team
Open Bank Project is open source. This means organisations can access the latest source code at any time, benefit from the input of third party professionals and other banks and test the solution freely. For commercial use, our customers can subscribe to a commercial licence which gives access to hardened security patches, proprietary connectors and enterprise support by the pioneers of the Open Banking movement.
Our APIs
Access the user’s list of accounts and account information such as the balance
Transactions
Access the transaction history and metadata of accounts
Counterparties
Access the payers & payees of an account including metadata such as their aliases, labels, logos and home pages.
Customer meetings, messages and video conferencing
Enable customer meetings, messages and video conferencing for KYC and CRM operations (uses third party video streaming).
Payments and transaction requests
Initiate transfers. View and confirm charges (as per PSD2).
Branches, ATMs
Access the list of branches and ATMs for the specified bank including geolocation and opening hours.
Metadata
Enrich transaction and counterparties with metadata including geolocations, comments, pictures and tags (e.g. category of spending).
Entitlements
Enable account holders to grant fine-grained access to third-party users and applications. For instance, a business account might provide auditors with full read-only access whilst coworkers might only see the account balance.
Security challenges
Step up authentication using the generic challenge / response mechanism for sensitive operations e.g. to progress a transfer, the user must supply a mobile TAN.
Onboarding and KYC
Perform user, customer and account creation. Access Know Your Customer (KYC) documents, media and KYC status.
