> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://infonite.dev/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://infonite.dev/_mcp/server.

# Bank Reader API

**Under Construction / Private Beta** 🚀\
The Bank Reader API is currently in active private beta. Full interactive endpoint reference and API schemas will be published here soon.

To gain direct API sandbox access or request integration credentials, please contact our team at [support@infonite.tech](mailto:support@infonite.tech).

The **Bank Reader API** is a next-generation financial data aggregation and categorization engine. It enables secure, user-consent-driven access to retrieve, normalize, and analyze real-time financial records across Spanish and European banking institutions.

***

## Data Extraction Capabilities

Our engine is built to retrieve and structure the complete financial footprint of a customer, providing deep coverage across multiple asset classes:

#### Current Accounts & Balances

Extract detailed account profiles, real-time balances, currency variations, and comprehensive historical statement movements.

#### Cards & Credit Lines

Access credit, debit, and prepaid card details, including credit limits, outstanding balances, and individual card transaction logs.

#### Loans & Mortgages

Retrieve active personal loans, mortgage structures, remaining balances, interest rates, and amortization schedules.

#### Deposits & Savings Goals

Query time deposits, savings accounts, accumulated interest rates, maturities, and specific user savings goals.

#### Investments & Wealth Portfolios

Retrieve a consolidated view of investment accounts, active stock portfolios, mutual funds, and pension plans.

#### SEPA Direct Debits

Extract active SEPA direct debit mandates, recurring billing contracts, creditor details, and download official PDF receipt attachments.

***

## Financial Global Position

Instead of parsing separate endpoints, the Bank Reader API consolidates the entire extraction footprint into a single, unified JSON response: the **Financial Global Position**.

This schema merges the customer’s identity and banking profiles with all retrieved accounts, cards, deposits, investments, and active loans. This unified structure is designed to feed risk underwriting engines, automated accounting platforms, and credit scoring systems instantly.

***

## Planned Integration Flow

Once the API is fully launched, developers can expect a standard integration workflow:

#### 1. Create Session

Initialize a secure session specifying configuration settings, authentication parameters, and an optional encryption `aes_key`.

#### 2. Secure User Widget Login

Redirect the customer to the widgets portal where they authorize access and complete Strong Customer Authentication (SCA) with their bank.

#### 3. Event Callback

Listen for the asynchronous webhook event (`bank-reader:ended`) notifying your system that the aggregation and analysis is complete.

#### 4. Data Delivery

Download the consolidated **Global Position** JSON payload and any supporting PDF statement attachments securely.