Banks, neobanks, and wallet apps — unify accounts, fund wallets (fiat and crypto where offered), and deepen engagement with permissioned data.
Customers rarely hold money in a single institution. StixPay helps you ingest balances, transactions, and counterparties across PSD2-connected accounts, normalise them into a single schema, and power aggregation and personal finance (PFM) — alongside wallet top-ups, card flows, or on-ramp journeys where your programme enables them — without bespoke bank-by-bank integrations.
Use case 1
Multi-account aggregation
User reality
People split cash across legacy banks, neobanks, savings, and joint accounts — your app only sees the slice they hold with you unless you aggregate externally.
What StixPay delivers
Consent-based access to external accounts, continuous sync of balances and transactions, and a single API contract your product team codes against.
Flow
End-user links one or more banks through your StixPay–powered connection widget.
Tokens and refresh logic stay on the StixPay side; you receive normalised payloads.
Balances and transaction history stream into your data layer.
Your UI renders a unified “total wealth” or cash-position view.
Illustrative API surface
/accounts/list/transactions/list/balances/get
Impact
↑ engagementDaily opens when users see full financial picture
↑ retentionSwitching cost rises once aggregation is embedded
Use case 2
Personal finance management (PFM)
Raw transactions are noisy. PFM turns them into insights: category charts, subscription radar, cash-flow alerts, and savings nudges. StixPay supplies the feed; you layer rules, ML models, or third-party categorisation.
Typical feature set
Merchant-level categorisation (rules + ML)
Recurring payment / subscription detection
Budget burn alerts and anomaly flags
Impact
+40%Session depth in programmes that shipped rich PFM
UpsellContext for loans, savings, and investments
Account information services require appropriate licences and user consent. StixPay operates within the roles defined in your contract; you remain responsible for UX copy and regulatory disclosures. Which rails (AIS, PIS, cards, on-ramp) are live for you depends on KYB and partner approval.
