Get access to your customers’ employment, incomes and debt data in real-time.

Easily capture & process financial data from its source to supercharge your underwriting and verification flows

Plug&play integration

Permission-based data

Secure & private

Financial data low-code widget to integrate in other platforms

TYPE OF DATA YOU CAN ACCESS WITH BANKFLIP

Employment-related incomes

Incomes from salary as well as unemployment, pensions, or retirement

Real estate assets

Incomes from house property or lands

Investments/capital assets

Incomes from investment or from capital assets

Profits-related incomes

Incomes coming from profits in businesses

Other source of incomes

Incomes coming from other sources such as Cryptos and inheritance

Available for:

target individuals
target freelancers

Current employer info

Current employer info including fiscal name and VAT number

Current employment situation

Current employment situation of a person including employed, freelancer retired, unemployed, etc.

Employment history

The list of different employment statuses and payers a person has

Certificates from the Employment agency

Such as certificate of unemployment, retirement or any other special condition

Available for:

target individuals
target freelancers

Credit overview

All credit products a person has including credit cards loans, mortgages, etc.

Financial entity info

Information about the financial institutions that have financial rights with a person

Current credit/debt amounts

Including credit cards limits and mortgages standing amount

Other debt-related data

Other debt-related information including type of debt, guarantees 

Available for:

individuals coming soon
freelancers coming soon

Improve your conversion and cut your costs down by adding Bankflip to your journeys ⚡️

What are you building?

WHY BANKFLIP

Get the full financial picture of your customers to make more informed decisions 😎

Streamline permission-based access to financial data from the most relevant data sources with a single integration. Easy peasy!

Holistic financial picture

All employment, sources of incomes & debt

Industry-leading coverage

100% of the workforce + unemployed + retired

Single point of access

Access to financial data with a single integration

Verified & reliable by default

Directly collected from govs

One-off or recurrent access

Permission to access one-time or recurrently

API marketplace of financial data

HOW IT WORKS

Step 1: consent to collect financial data with bankflip

The customer reviews and consents the access to her data 👍

Launch directly from your app, website or email

Embedded within your applications or launched via URL

Explicit consent

Data is clearly explained and explicitly consented

She selects her preferred login method 🔓

Dynamic login methods

Dynamic methods availability for the best possible UX

Unique login for all required data

Single login per connection even accross data sources

One-off and/or recurrent access

One-time and recurrent use cases in a single interaction

Step 2 to collect financial data with bankflip
Step 2 to collect financial data with bankflip

She selects her preferred login method 🔓

Dynamic login methods

Dynamic methods availability for the best possible UX

Unique login for all required data

Single login per connection even accross data sources

One-off and/or recurrent access

One-time and recurrent use cases in a single interaction

Step 3 to collect financial data with bankflip

She confirms and/or signs the operation(s) ✍️

Secured authentication

Authentication against Public Administrations

Qualified Electronic Signatures (QES)

eIDAS-compliant certificate issuance for advanced connections

Voilá! ✨

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Automatically & securely retrieved data

Data is directly available via webhook/endpoint. Say bye to emails!

Data transparency

A copy of the data collected is shared with the end customer

Step 4 of the widget
Step 4 of the widget

Voilá! ✨

+

Automatically & securely retrieved data

Data is directly available via webhook/endpoint. Say bye to emails!

Data transparency

A copy of the data collected is shared with the end customer

Try it yourself!

Play around with our demo of fiscal data from the Spanish Tax Agency (Agencia Tributaria).

⚠️  The demo really connects with the Spanish Tax Agency. You need to be a Spanish resident in order to try it.

Book a call with us for further info and/or book a full demo 😁

ENABLE DISRUPTION AT SCALE

Supercharge your solutions with real-time and automatic access to your customers’ financial data 🦾

Fintech and financial services

Digital lending

Improve pre-scoring and scoring SLA, UX and conversion

Online mortgage brokers

Qualify your leads with pre-captured data

Revenue-attached lending

Build new and more flexible repayment options

Car renting

Underwrite your customers faster and fully-digital

Insurtech

Enable digital onboarding for your customers

Legal & taxes applications

Digital banking

Fast-forward your digital onboarding with a few clicks

Crypto onboarding

AML-compliant onboarding with perfect UX

Tax planning platforms

Automate data capturing to improve your value proposition

Legaltech

Digitize documentation collection for complex compliance

New players
Z

HRtech

Verify employment history of potential candidates

Edtech & education

Monitor alumni’s employment status to get data-driven insights for your programs

Industry disruptors

Enable new use cases based on employment, incomes or debt/risk data to transform industries!

BENEFITS

What are the benefits for you?

 

      • Increased operational efficiency
      • Better fraud prediction
      • Improved workforce allocation
      • Reduced friction from data intermediation

What are the benefits for your customers?

 

      • Increased access to financial services
      • Greater user convenience
      • Improved product options
      • Full control over the data shared

We want to free and give people control over their financial data and decisions to accelerate the World’s transition to individual financial ownership.

The Bankflip team

Low-code widget ready to be integrated with a few lines of code 🤖

We did the hard work of building a powerful widget for you to integrate in a few hours instead of months.

Compliance, scalability, maintenance, user experience,… we handle everything to help you focus on your business!

code snippet

Launch it via link or embed it!

As easy to integrate as creating a session using our simple API and retrieving and launching our widget via link from your frontend or embedding it within your applications.

Reliability and quality at scale

Our technology has been designed using state-of-the-art standards to guarantee a superfast yet robust solution for high volume of requests.

Security protocols

We abide by the highest security standards of the market. End-to-end encrypted connections  and data storage to guarantee nobody can access or tamper the data.

Data privacy & ownership

We really do care about privacy and ownership of data. Data is owned by the end customer and is collected and shared in a permission basis only. We make it understandable, accessible, and revokable.

© Bankflip | Beyond the Scope S.L.

En cumplimiento de lo establecido en el artículo 10 de la Ley 34/2002, de 11 de julio, de los Servicios de la Sociedad de la Información y Comercio Electrónico se exponen los siguientes datos identificativos del titular de la plataforma:

Denominación social: Beyond the Scope, S.L.

Dirección: Ronda de Sant Pere, 52, Pl. 4. 08010 Barcelona

NIF: B04948766

Registro Mercantil de Barcelona, Tomo 47756, Folio 42, Hoja B-561396.