Salt Edge Open Banking Platform

Salt Edge is a financial API company offering open banking and open finance solutions. Salt Edge Limited is registered in England and Wales, authorised by the FCA, and is a subsidiary of Salt Edge Inc.; the site says it has been doing open banking for almost a decade but gives no founding year. It helps fintechs, lenders and banks connect to bank data and meet PSD2 requirements.

The platform exposes one API to over 5,000 banks and financial institutions in 50+ countries. Modules include data aggregation and enrichment, Pay by Bank payment initiation, e-commerce and bulk payments, AML transaction monitoring, and a PSD2 compliance hub with TPP verification and mobile SCA.

• Data aggregation: account data from 5,000+ institutions through one API.
• Data enrichment: machine-learning categorisation, merchant identification and financial insights.
• Pay by Bank: payment initiation for e-commerce with instant settlement.
• Bulk payments: one-click payouts to multiple recipients.
• PSD2 compliance hub: open banking compliance, TPP verification and mobile SCA.
• AML transaction monitoring and developer tools with a test environment.

A Vietnamese lender using bank-data aggregation to speed credit scoring for SMEs. An accounting or ERP platform adding in-app invoice payments via pay by bank. A bank or fintech adopting compliance and TPP verification tooling for open API programs.

One API replaces many bank-by-bank integrations across 50+ countries. The site states open banking compliance can be achieved in about one month. Offers instant settlement for e-commerce payments and one-click bulk payouts. ISO 27001 certification is listed.

Open banking and pay-by-bank are expanding as regulators push data sharing and account-to-account payments. Vietnam's Open API framework and Southeast Asia's growing A2A schemes create demand for aggregation and payment-initiation tooling that banks and fintechs can license rather than build.

Salt Edge Limited is FCA-authorised, registered in England and Wales; parent is Salt Edge Inc. Partnership with NoCFO announced 18 February 2026. ISO 27001 certified per site. Earlier partners include Kindgeek and Credit Hero.