Carry out financial transactions with a digital wallet & open banking platform that has 120 features fully integrated
EnWallet is a next-generation digital wallet and payment platform that unifies open banking, SoftPOS, and payment gateway capabilities within a single ecosystem. With over 120 ready-to-use wallet features, multi-currency support, and modular APIs, EnWallet enables financial institutions to launch secure, compliant, and fully customizable digital payment services, ready to scale into a super app.
Key benefits
Certified & Secure Architecture
Built with advanced omni-channel architecture, EnWallet meets the highest security and regulatory standards, ensuring continuous compliance and reliability.
End-to-End Payment Ecosystem
Combines wallet, payment gateway, and SoftPOS functions in one platform — offering institutions a complete, compliant, and secure foundation for digital finance.
Faster Time-to-Market & Flexibility
Provides modular and flexible infrastructure, reducing deployment time and cost by up to 50%, while supporting multiple integration options and third-party services.
Multi-Currency & Multi-Platform Support
Supports iOS, Android, React Native, and Flutter with multi-currency account management, enabling global transactions through a unified, seamless experience.
Key features
Open Banking Module
Offers regulatory-compliant API infrastructure enabling real-time account sharing, consent management, and payment initiation between banks, third parties, and fintechs.
Digital Wallet
Delivers 120+ ready-to-use wallet functions with customizable design, loyalty features, and Wallet-as-a-Service (WaaS) capabilities, ready to evolve into a super app.
Payment Gateway
Supports multiple payment methods with real-time processing, automated onboarding, and value-added services, empowering merchants and payment facilitators on one platform.
SoftPOS
Transforms any Android device into a contactless POS terminal, supporting multi-acquirer setup, smart switching, and analytics for cost-effective, sustainable payments.
Resources
Introduction video
EnWallet Product deck
Request a demo
EnWallet – Enqura Digital Wallet & Open Banking Making Business Efficient through Enterprise Reconciliation, Financial Operations Autiomation and Real-Time insights SAYA Platform streamlines financial operations by automating enterprise reconciliation, exception handling and reporting. Leveraging AI and Agentic workflows, it integrates disparate data sources, reduces manual effort by 70%, ensures compliance and delivers real-time insights — enabling banks and enterprises to operate with speed, accuracy and confidence. Carry out financial transactions with a digital wallet & open banking platform that has 120 features fully integrated EnWallet is a next-generation digital wallet and payment platform that unifies open banking, SoftPOS, and payment gateway capabilities within a single ecosystem. With over 120 ready-to-use wallet features, multi-currency support, and modular APIs, EnWallet enables financial institutions to launch secure, compliant, and fully customizable digital payment services, ready to scale into a super app. EnWallet Logo Key benefits Certified & Secure Architecture Built with advanced omni-channel architecture, EnWallet meets the highest security and regulatory standards, ensuring continuous compliance and reliability. End-to-End Payment Ecosystem Combines wallet, payment gateway, and SoftPOS functions in one platform — offering institutions a complete, compliant, and secure foundation for digital finance. Faster Time-to-Market & Flexibility Provides modular and flexible infrastructure, reducing deployment time and cost by up to 50%, while supporting multiple integration options and third-party services. Multi-Currency & Multi-Platform Support Supports iOS, Android, React Native, and Flutter with multi-currency account management, enabling global transactions through a unified, seamless experience. Saya Platform Screenshot EnWallet view on mobile Screenshot Key features Open Banking Module Offers regulatory-compliant API infrastructure enabling real-time account sharing, consent management, and payment initiation between banks, third parties, and fintechs. Digital Wallet Delivers 120+ ready-to-use wallet functions with customizable design, loyalty features, and Wallet-as-a-Service (WaaS) capabilities, ready to evolve into a super app. Payment Gateway Supports multiple payment methods with real-time processing, automated onboarding, and value-added services, empowering merchants and payment facilitators on one platform. SoftPOS Transforms any Android device into a contactless POS terminal, supporting multi-acquirer setup, smart switching, and analytics for cost-effective, sustainable payments. Resources EnWallet Introduction Video Watch the introduction EnWallet Product Deck View the brochure SAYA knowledge base Explore the knowledge base Request a demo Request a demo ESG & Enterprise Readiness Assessment Scores for 3Cortex conducted by The Disruption House Category Award Date Business Resiliency Accreditation Builder October 2025 Sustainability Accreditation Builder October 2025 Interested in the full 3Cortex report? Click here to buy it now. Request a demo Introduction Video still – woman holding phone with app displayed Introduction Video Watch the introduction AI presentation deck cover EnWallet Product Deck View the brochure
The future of banking starts here
Discover how our platform helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking. Together, we embrace the future of finance – Leading Banking Forward.
The Ozone API is the leading open API solution for banks and financial institutions, delivering ‘out of the box’ compliance with open banking standards and regulations around the world.
In fact, Ozone API is the only platform designed and proven to support all open finance standards globally; ensuring our customers are able to deploy a strategic solution that scales as they do.
Our software goes beyond compliance and makes it quick and easy for account providers to turn open APIs, including premium APIs, into a profitable commercial channel.
Ozone API empowers banks and financial institutions to adapt and thrive in the new world of open finance. We provide technology that delivers compliant open APIs and goes beyond, to monetize open banking globally.
Temenos core banking (T24) customers can achieve open banking and open finance compliance in weeks, not months. In addition to being open banking compliant by quickly deploying Ozone API’s solution on top of T24, banks can leverage the platform to easily venture into new commercial business models such as BaaS and embedded finance.
Overview
The Ozone API delivers out of the box compliance. We handle the complexity of open banking so you don’t have to, allowing you to focus scarce engineering resources elsewhere and ensuring low cost of ownership.
Our turnkey solution includes:
Pre-built Temenos connector to enable fast and simple integration
Full TPP management, including automated onboarding, TPP validation and ongoing TPP support
Strong customer authentication and consent management with an out of the box consent and authentication app or the tools to simply connect to your existing authentication solutions
A comprehensive administration portal and reporting suite for simple channel management and reporting
The Ozone API delivers out of the box compliance. We handle the complexity of open Open banking delivers a new way for banks and FIs to build partnerships, distribute products and drive new revenue streams, which means going beyond simple compliance.
The Ozone API unlocks this potential with:
Full support for a wide range of premium APIs to enable banks to commercialise richer functionality
A rich reporting and billing capability to support commercial API propositions
The tools to enable developers with simple onboarding, the right tools and ‘best in class’ API performance
Designed to scale, delivering premium APIs built in line with global standards
Resources
Case studies
Intro deck
Request a demo
Ozone API – Ozone Unlock the power of open finance with Ozone API. Resources Ozone logo Request A Demo A diverse group of five people gather around a laptop in a bright office, engaged and smiling, suggesting a collaborative and positive atmosphere. The complete platform The Ozone API is the leading open API solution for banks and financial institutions, delivering ‘out of the box’ compliance with open banking standards and regulations around the world. In fact, Ozone API is the only platform designed and proven to support all open finance standards globally; ensuring our customers are able to deploy a strategic solution that scales as they do. Our software goes beyond compliance and makes it quick and easy for account providers to turn open APIs, including premium APIs, into a profitable commercial channel. Overview Lorem ipsum dolor Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Resources Lorem ipsum dolor Learn more Lorem ipsum dolor Learn more Lorem ipsum dolor Learn more Lorem ipsum dolor Learn more ISV Assessments/Awards Lorem ipsum dolor sit amet, consectetur adipiscing elit. Category Award Date Business Resiliency Accreditation Builder April 2024 Sustainability Accreditation Starter April 2024 Interested in the full Hopp Tech report? Click here to buy it now. Request a Demo Related Providers Lorem ipsum Ozone API empowers banks and financial institutions to adapt and thrive in the new world of open finance. We provide technology that delivers compliant open APIs and goes beyond, to monetize open banking globally. Temenos core banking (T24) customers can achieve open banking and open finance compliance in weeks, not months. In addition to being open banking compliant by quickly deploying Ozone API’s solution on top of T24, banks can leverage the platform to easily venture into new commercial business models such as BaaS and embedded finance. Diagram of The Ozone API Hub showing two processes: Sandbox and Production. Includes elements like Developer Portal, Model Bank, and Core Banking. Overview The Ozone API delivers out of the box compliance. We handle the complexity of open banking so you don’t have to, allowing you to focus scarce engineering resources elsewhere and ensuring low cost of ownership. Our turnkey solution includes: Pre-built Temenos connector to enable fast and simple integration Full TPP management, including automated onboarding, TPP validation and ongoing TPP support Strong customer authentication and consent management with an out of the box consent and authentication app or the tools to simply connect to your existing authentication solutions A comprehensive administration portal and reporting suite for simple channel management and reporting The Ozone API delivers out of the box compliance. We handle the complexity of open Open banking delivers a new way for banks and FIs to build partnerships, distribute products and drive new revenue streams, which means going beyond simple compliance. The Ozone API unlocks this potential with: Full support for a wide range of premium APIs to enable banks to commercialise richer functionality A rich reporting and billing capability to support commercial API propositions The tools to enable developers with simple onboarding, the right tools and ‘best in class’ API performance Designed to scale, delivering premium APIs built in line with global standards Resources Case studies Learn more Intro deck Learn more Request a Demo
The future of banking starts here
Discover how our platform helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking. Together, we embrace the future of finance – Leading Banking Forward.
A Wealth Tech B2B service platform which digitally optimizes your operational efficiency by automating and scaling connections between Temenos and any custodian entity across the globe
Using Flanks as a wealth data orchestrator allows bankers to connect Temenos to any global entity automatically. And therefore, help them aggregate their clients’ wealth within Temenos. By using Flanks’ solution, they get a global position of their clients’ operations across all entities on a daily basis, enabling them to provide multi-custodian advisory services.
Overview
Global coverage
We can connect to any custodian entity across the globe. It takes Flanks 1-2 weeks to add a new custodian entity.
Product coverage
Our technology enables us to go beyond the normal PSD2 and any open banking regulation. We can easily retrieve all data (position and transactions) of any financial product that financial advisors require.
Designed for Wealth
Our platform is designed solely for wealth management, and allows you to have a global view of the position of your clients and monitor it on a daily basis.
Safe and secure
Your data is safe with us. We are fully regulated and comply with the AISP regulation in the EU. We have cybersecurity experts working 24/7 and top-grade-support from several big corporations.
Seamless integration with Temenos
We’re fully integrated with Temenos, and both positions and transactions are uploaded into the platform on a daily basis.
ISV Assessments/Awards
ESG & Enterprise Readiness Assessment Scores for Flanks conducted by The Disruption House
Flanks The wealth data orchestrator Request A Demo Flanks logo Request A Demo Flowchart depicting data integration between custodian entities and Temenos via Flanks. Includes steps: connection, extraction, standardization, validation, upload. A Wealth Tech B2B service platform which digitally optimizes your operational efficiency by automating and scaling connections between Temenos and any custodian entity across the globe Using Flanks as a wealth data orchestrator allows bankers to connect Temenos to any global entity automatically. And therefore, help them aggregate their clients’ wealth within Temenos. By using Flanks’ solution, they get a global position of their clients’ operations across all entities on a daily basis, enabling them to provide multi-custodian advisory services. Overview Global coverage We can connect to any custodian entity across the globe. It takes Flanks 1-2 weeks to add a new custodian entity. Product coverage Our technology enables us to go beyond the normal PSD2 and any open banking regulation. We can easily retrieve all data (position and transactions) of any financial product that financial advisors require. Designed for Wealth Our platform is designed solely for wealth management, and allows you to have a global view of the position of your clients and monitor it on a daily basis. Safe and secure Your data is safe with us. We are fully regulated and comply with the AISP regulation in the EU. We have cybersecurity experts working 24/7 and top-grade-support from several big corporations. ISV Assessments/Awards ESG & Enterprise Readiness Assessment Scores for Flanks conducted by The Disruption House Learn more Lorem ipsum dolor Learn more Lorem ipsum dolor Learn more Lorem ipsum dolor Learn more Request a Demo Lorem ipsum dolor sit amet, consectetur adipiscing elit. Category Award Date Business Resiliency Accreditation Builder April 2024 Sustainability Accreditation Starter April 2024 Interested in the full Hopp Tech report? Click here to buy it now. Request a Demo Related Providers Lorem ipsum Seamless integration with Temenos We’re fully integrated with Temenos, and both positions and transactions are uploaded into the platform on a daily basis. Category Award Date Business Resiliency Accreditation Builder December 2024 Sustainability Accreditation Starter December 2024 Interested in the full Flanks report? Click here to buy it now.
The future of banking starts here
Discover how our platform helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking. Together, we embrace the future of finance – Leading Banking Forward.
Empower smarter lending with cash flow scoring and analytics
Prestatech enables banks to make instant, automated credit decisions. The platform combines bureau data, real-time cash flow analytics and scoring with a configurable policy engine to deliver a decision in seconds. Every borrower is then monitored on live transaction data to catch risk early. Recognized by CNBC and Statista as one of the World’s Top Fintech Companies 2026.
Key Features
Multidimensional credit assessment, with data streams spanning bureau data, registries and transaction data (via Open Banking or document parsing).
Purpose-built scorecards from transaction data: proprietary PSCORE, DSCR, affordability and 50+ behavioral insights.
Configurable decision engine with human-in-the-loop routing for edge cases and backtesting.
Ongoing monitoring on live transaction data, with early warning signals, covenant tracking and sanction screening.
Benefits
Faster, higher-quality decisions for both consumer and SMB applicants.
Lower defaults, healthier books with cash flow signals that catch deteriorating borrowers early.
Capture borderline applicants with counter-offers, not a binary yes or no.
Explainable and audit-ready decisions, aligned with FCRA, ECOA/Reg B, EBA guidelines, GDPR and the EU AI Act.
Resources
Cash flow analytics decisioning
ISV Assessments/Awards
ESG & Enterprise Readiness Assessment Scores for Prestatech conducted by The Disruption House
Credit Decisioning & Cash Flow Intelligence — Prestatech Data-driven cash-flow analysis with in-depth insights Resources prestatech logo Request A Demo Report includes cashflow statement, affordability analysis, and risk scores. Indicators show positive cashflow trend and anti-fraud check, with alerts on seasonality and visibility. Empower smarter lending with real-time cash-flow intelligence Prestatech enables banks to make instant, data-driven credit decisions for consumers and businesses. By leveraging bank account transaction analytics, we help institutions increase origination, reduce risk, monitor real-time performance, and stay ahead of evolving regulatory requirements. Features Unique transaction categorization engine (6 labels for each transaction) transforming billions of multilingual transactions into actionable insights. Cash-flow-based score and credit analytics, with an extended set of actionable financial KPIs. Applicable to scoring, rating and monitoring models. Enterprise-scale portfolio intelligence, peer benchmarking and performance trend analysis. Protect sensitive data with ISO27001-compliant, secure, and confidential management – no third-party exposure. Benefits Enhance credit models and confidently approve more loans by leveraging real-time transaction data. Learn more Enable credit decisions for underserved customers beyond traditional bureau data. Learn more Strengthen portfolio health with early detection of default indicators and proactive management. Learn more Ensure traceable, auditable KYC/AML compliance with built-in stress testing and reporting. Learn more Resources Cash Flow Analytics Category Award Date Business Resiliency Accreditation Builder April 2024 Sustainability Accreditation Starter April 2024 Interested in the full Hopp Tech report? Click here to buy it now. ISV Assessments/Awards Request a Demo Lorem ipsum Read the analytics ESG & Enterprise Readiness Assessment Scores for Prestatech conducted by The Disruption House Category Award Date Business Resiliency Accreditation Builder November 2024 Sustainability Accreditation Builder November 2024 Interested in the full Prestatech report? Click here to buy it now.
The future of banking starts here
Discover how our platform helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking. Together, we embrace the future of finance – Leading Banking Forward.
Unlock the full power of Open Banking with Salt Edge API
Salt Edge enables businesses to connect to end-customers’ bank accounts from across the globe, and supports them with instant payment initiation, data exchange and enrichment solutions.
Overview
The Global Data Aggregation API is the cornerstone of Salt Edge’s technology, with a coverage of over 3000 financial institutions in 60+ countries. It presents you with the end-customer’s transaction information in a clean and easy-to-understand format to offer a holistic overview of their financial wellness.
Aggregates end-customer account data from any EU bank via a single API gateway. By integrating just one API, you get access to thousands of bank connections. Salt Edge takes care of all the registration and technical connections to banks, helping you to focus on your core business.
Initiate payments on behalf of end-customers, with their consent, from any of their EU bank accounts, via Open Banking and PSD2 channels. Salt Edge API supports any payment types which are provided by each single bank: one-time, future dated, scheduled, bulk payments, etc.
Financial Institutions receive a set of Value-Added Services for conducting complex financial behavior analysis. Salt Edge empowers you to provide personalized services and conduct better risk assessments based on detailed customer spending patterns.
Resources
Global Data Aggregation
General presentation
Request a demo
Financial API Platform – SaltEdge Financial API Platform – Open Banking Gateway. Resources Saltedge logo Lorem ipsum Saltedge architecture diagram showing how businesses connect to end-users Unlock the full power of Open Banking with Salt Edge API Salt Edge enables businesses to connect to end-customers’ bank accounts from across the globe, and supports them with instant payment initiation, data exchange and enrichment solutions. Overview Lorem ipsum dolor Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Resources Global Data Aggregation Learn more General presentation Learn more Lorem ipsum dolor Learn more Lorem ipsum dolor Learn more Request a Demo Lorem ipsum dolor sit amet, consectetur adipiscing elit. Category Award Date Business Resiliency Accreditation Builder April 2024 Sustainability Accreditation Starter April 2024 Interested in the full Hopp Tech report? Click here to buy it now. Request a Demo Related Providers Lorem ipsum Global Data Aggregation API The Global Data Aggregation API is the cornerstone of Salt Edge’s technology, with a coverage of over 3000 financial institutions in 60+ countries. It presents you with the end-customer’s transaction information in a clean and easy-to-understand format to offer a holistic overview of their financial wellness. Global Data Aggregation API PSD2 Account Information API Aggregates end-customer account data from any EU bank via a single API gateway. By integrating just one API, you get access to thousands of bank connections. Salt Edge takes care of all the registration and technical connections to banks, helping you to focus on your core business. Salt Edge Solution Open Banking Payment Gateway Initiate payments on behalf of end-customers, with their consent, from any of their EU bank accounts, via Open Banking and PSD2 channels. Salt Edge API supports any payment types which are provided by each single bank: one-time, future dated, scheduled, bulk payments, etc. Salt Edge Solution Data Enrichment Platform Financial Institutions receive a set of Value-Added Services for conducting complex financial behavior analysis. Salt Edge empowers you to provide personalized services and conduct better risk assessments based on detailed customer spending patterns. Data Enrichment Platform
The future of banking starts here
Discover how our platform helps financial institutions navigate change, embrace new opportunities, and deliver smarter, faster banking. Together, we embrace the future of finance – Leading Banking Forward.
