Financial data API integration over Account Aggregator and EPFO
Consent-driven access to bank statements through the RBI Account Aggregator framework, plus verified employment history from EPFO — the underwriting data layer, integrated.
Financial data integrations
2 resultsConsent-driven financial data sharing across banks via the RBI Account Aggregator framework. FIU-grade integration.
Verify a Universal Account Number and retrieve verified employment history for income and KYC checks.
Underwriting used to mean asking the customer for six months of PDF statements and hoping they were genuine. The Account Aggregator framework replaced that with something better for both sides: the customer grants a scoped, time-bound, revocable consent, and the lender receives structured financial information straight from the bank, signed and tamper-evident.
Our financial data API integration implements the full AA flow — consent artefact creation, consent handle tracking, FI request and FI fetch — against ReBIT specifications, under FIU-grade access. EPFO integration complements it by confirming a Universal Account Number and returning verified employment history, which is the fastest available proof of salaried income. Together they let you underwrite from primary-source data instead of customer-supplied documents.
What you can build with financial data APIs
Statement-free underwriting
Raise a consent request, fetch structured transaction and balance data over Account Aggregator and score the applicant without a single uploaded PDF.
Income verification in seconds
Confirm a UAN and pull verified employment history from EPFO to establish salaried income and tenure for lending, rental or background-check flows.
Ongoing monitoring with consent
Use a recurring consent to refresh financial data across the life of a loan, catching deterioration early rather than at the first missed EMI.
Regulator-ready consent trail
Every fetch is bound to a consent artefact with purpose, scope and expiry recorded, giving you the audit position the framework was designed to produce.
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Frequently asked questions
Do we need to be a registered FIU to use Account Aggregator?
Access runs under Aeologic's FIU-grade integration, which is what lets regulated customers begin consented data fetches without standing up their own AA connectivity first. Your own registration position depends on your regulator and we scope that during onboarding.
Can the customer revoke consent?
Yes, at any time, and revocation is honoured immediately — that is a defining property of the framework. Our connector surfaces revocation events so your system stops fetching rather than failing silently.
What does the EPFO check actually confirm?
It validates the Universal Account Number and returns verified employment history — employer, tenure and contribution record — which is materially stronger evidence of income than a salary slip.
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Every connector in this repository is pre-built, tested and compliance-ready. Tell us what you're building and our engineers wire it into your product end-to-end, while your team stays focused on what makes you different. Save the months — and the budget — a from-scratch build would cost.