Account Aggregator API by Mobile Number Access Consent-Based Financial Data Using Mobile Number
Enable customers to securely discover and share their financial information through the Account Aggregator ecosystem using their registered mobile number.
Build streamlined lending, underwriting, onboarding, and financial-analysis workflows without relying on manual document collection.
End-to-End Flow
Submit Mobile Number
Discover Financial Accounts
Request Customer Consent
Authenticate the Customer
Connect With Financial Information Providers
Retrieve Approved Financial Data
Process & Analyze the Data
Complete the Financial Workflow
Key Capabilities
Mobile-Based Account Discovery
Initiate financial-account discovery using the customer’s registered mobile number.
Consent-Based Data Sharing
Access financial information only after the customer provides the required authorization.
Multi-Account Financial Access
Enable access to approved information from multiple financial accounts through the Account Aggregator ecosystem.
Transaction Information
Access authorized financial transaction information such as deposits, withdrawals, transfers, and other available financial activities.
Secure Authentication
Use customer authentication as part of the financial-data access process.
Consent Management
Support the consent lifecycle required for requesting and accessing customer financial information.
Financial Data Analysis
Use approved data for underwriting, financial assessment, customer profiling, and other permitted use cases.
API Integration
Integrate Account Aggregator capabilities into lending platforms, banking applications, fintech products, and financial-analysis systems.
Use Cases
Digital Lending & Underwriting
Use consented financial information to support customer assessment and lending workflows.
Banking & Financial Services
Financial institutions can use Account Aggregator capabilities to build consent-driven financial-data journeys.
Wealth Management & Personal Finance
Use aggregated, consented financial information to provide a consolidated view of a customer's financial activity.
Developer Experience
Simple Integration. Consent-Based Financial Data.
Suggested Input
{
"mobile_number": "98XXXXXX21",
"consent": true
}Suggested Discovery Response
{
"client_id": "FINXXXXXX",
"mobile_number": "98XXXXXX21",
"consent_status": "PENDING",
"accounts_found": 3,
"institutions": 2,
"status": "SUCCESS",
"request_id": "AA987654321"
}Suggested Data Response
{
"request_id": "AA987654321",
"consent_status": "APPROVED",
"accounts": [
{
"institution": "Bank Name",
"account_type": "SAVINGS",
"masked_account_number": "XXXX1234"
}
],
"status": "SUCCESS"
}
Related APIs
Frequently Asked Questions
What is an Account Aggregator API by Mobile Number?
It is an API that enables businesses to initiate financial-account discovery using a customer's mobile number and, with the customer's consent, access approved financial information through the Account Aggregator ecosystem.
What is an Account Aggregator?
An Account Aggregator is a consent-based framework that enables individuals to securely share their financial information with authorized Financial Information Users (FIUs) through participating Financial Information Providers (FIPs).
Is customer consent required?
Yes. Access to customer financial information through the Account Aggregator framework is based on explicit customer authorization and consent.
What input is required?
The primary discovery input is the customer's mobile number associated with their financial accounts.
What financial information can be accessed?
Depending on the customer's consent and the participating FIP, available information can include account and transaction data such as deposits, withdrawals, transfers, and other financial activities.
Can the API access multiple bank accounts?
The Account Aggregator ecosystem can facilitate access to financial information from multiple connected accounts, subject to customer consent and the participating financial institutions.
Can this API be used for loan underwriting?
Yes. Consent-based financial information can be incorporated into lending and underwriting workflows to support financial assessment.
Can Account Aggregator data replace bank statements?
It can provide digitally accessible financial information through the AA framework, but whether it can replace a particular bank-statement requirement depends on the specific business, regulatory, and underwriting workflow.
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