With their consent, your customer connects their bank and you receive data verified at the source — account ownership, IBAN, identity and, when you need it, balance and transactions — with no documents, no screenshots and no data that can be manipulated. YOiD is an account information service provider registered with the Bank of Spain.
A typed-in IBAN, a PDF statement or a photo of a document are all data supplied by the user — and can be miscopied, outdated or manipulated. Verifying them by hand takes time and leaves room for fraud.
You integrate YOiD once — with a link or via API — and the customer completes the flow from their own bank, with the same security as the online banking they already use.
Launch the flow from your website or app with a link or an API call.
They select their bank and authenticate with their usual credentials. They give explicit consent.
Under PSD2, YOiD retrieves the authorized data from the bank through its official interface.
Holder, IBAN, identity and transactions arrive structured and confirmed at the source, ready for your process.
With their consent, they connect their bank and you share only what's needed: identity, account ownership and, when you need it, balance and transactions. The customer sees and authorizes it before it's sent.
The same data verified at the source solves different problems depending on your business.
Confirm the customer's identity by relying on the verification their bank already performed, without repeating the process.
Provide income, recurring expenses and transactions verified with consent as an input to your creditworthiness assessment.
YOiD provides the data; the decision to grant credit always rests with the lender.
Close the door on spoofed IBANs and fake documents by verifying data at the source, not in a document supplied by the user.
The data comes from the bank, not the user. It can't be edited, faked or mistyped.
YOiD is a registered AISP under no. 6929 and operates within the regulated PSD2 framework.
Every access requires the holder's explicit consent and is logged and auditable.
No uploading documents, PDFs or screenshots. The customer logs into their bank and finishes in seconds.
A link to get started with no development, or a REST API when you want to integrate it into your flow.
Connection with the country's leading banks through their official PSD2 interfaces.
Launch the consent flow, receive structured data, and work against a sandbox before going to production.
REST API with a redirect flow for the holder's consent. Start with a hosted link and migrate to your own integration whenever you want.
A structured JSON response: holder, IBAN, ownership check result and, depending on the authorized scope, balance and transactions (amount, date, counterparty and description).
AISP access under PSD2, with no handling of the user's credentials, explicit consent and an auditable log of every operation.
Tell us your use case and we'll set up a demo with real data. If you're on the technical side, we'll walk you through the sandbox and API integration.
Or simply email us at info@yoid.es