# Welcome to Infonite ![infonite](/_fern-files/infonite.docs.buildwithfern.com/0832bf7872405c9b0ca6af4856dfe33509333b60d68603a3e5530671dee4639f/docs/assets/text-logo-dark.svg)![infonite](/_fern-files/infonite.docs.buildwithfern.com/8c90afe4abe1ac0ee8b9fe72d39803b15f72a7068ff3a1458474ec2ca9faf6a9/docs/assets/text-logo-light.svg) # developerportal Your customers' banks, public administrations and utilities, read with their consent — in an experience we host for you, or server to server from yours. Get started API Reference Choose your path ## Two ways in. One platform underneath. A flow puts an experience we host in front of your customer; a direct execution leaves the screen — and the code — to you. Both run the same engines and return the same data models. Start here What every integration shares Security, the feature vocabulary, webhooks and the data models [Platform Get started, then everything the products have in common. ](/guides/welcome)[The Console Your applications, their keys, webhooks and capabilities. ](/console)[Using the API](/guides/using-the-api) Hosted flows Our widget, out of the box Fastest to launch · the whole journey ready, in your colours [Financial Rider Flow Accounts, cards, loans, investments and direct debits — read once, or kept as recurring access. ](/flows/financial-rider/overview)[Spain Public Administration Flow Work history, pensions, CIRBE, DGT, taxes, properties and degrees, from the administrations themselves. ](/flows/spain-public-administration/overview)[What is a flow](/guides/what-is-a-flow) Direct integration Your own UX, from your backend Total control · any channel: web, app or back office [Direct Executions Every engine — banks, utilities, administrations — called server to server, with every challenge and result in your hands. ](/direct-executions/overview)[Your first execution From an empty terminal to a set of extracted records, one call at a time, against a sandbox engine. ](/direct-executions/quickstart)[Authentication & keys](/direct-executions/authentication) What teams build ## One session, more than one answer. The same records serve more than one decision. A few of the ones our clients make with them: #### Financial Rider Bank reconciliation A company's business accounts, read again every day and matched against the invoices it expects. Account verification Who holds an account and its IBAN, before paying out to it. Income verification Salaries and pensions, read from the movements that came in. Affordability Recurring expenses beside the balances, before lending. Money management Every account, card and debt across banks, kept up to date. Recurring payments Who charges your customer by direct debit, how much and how often. [Every Financial Rider use case, with what it reads](/flows/financial-rider/overview#use-cases) #### Spain Public Administration Mortgage underwriting Employment, declared income, existing home loans, CIRBE debts and owned homes, in one session. Income verification Contribution bases and the income floor, beside what each payer reported to the AEAT. Debt and credit risk Every loan, card and guarantee the Banco de España's CIRBE holds. Asset verification Every property in the Cadastre, its value, and each co-owner with their share. Tenant screening Employment, income and debts in one session, before a lease is signed. CV verification Degrees checked against the Ministry's registry, jobs against the work history. Professional drivers Licence categories, expiry dates and points, before a driver takes the wheel. Pension verification The public pensions a person receives: retirement, widowhood, incapacity. [Every Spain Public Administration use case](/flows/spain-public-administration/overview#use-cases) #### Direct Executions Everything above, in your screens The same reads, inside the interface your product already has: your steps, your copy, your devices. Any source in one process Banks, utilities and public administrations, run in the order your decision needs. Unattended refreshes With recurring access, reads your backend runs on its own schedule — tonight's reconciliation, next month's review. Forms from the catalogue Each engine publishes its form as a schema, so your screens can be built from it. [When a direct execution is the right integration](/direct-executions/overview) The toolbox ## What you build with, whichever path you take. Data & events [Data modelsEvery object the platform returns, field by field. ](/guides/data-models/overview) [WebhooksLearn what happened without asking — one endpoint for every product. ](/guides/webhooks) Security [Payload encryptionWebhooks only you can read, with templates and a sandbox to test them. ](/guides/payload-encryption) [Recurring accessRead a source again without ever holding its password. ](/guides/credential-tokenization) Operate [CapabilitiesWhat your application may do in production, and how to ask for it. ](/console/capabilities) [ChangelogWhat changed in the product, and when. ](/changelog) ## Instructions for AI Agents - For clean Markdown of any page, append `.md` to the page URL - For section-specific indexes, append `/llms.txt` to any section URL - For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://infonite.dev/_mcp/server ## Products - [Platform](https://infonite.dev/guides/llms.txt): Get started, security and the data models - [Welcome](https://infonite.dev/guides/welcome.md) - [What is a flow](https://infonite.dev/guides/what-is-a-flow.md) - [The Console](https://infonite.dev/guides/console.md) - [Payload Encryption](https://infonite.dev/guides/payload-encryption.md) - [Credential Tokenization](https://infonite.dev/guides/credential-tokenization.md) - [Financial Rider Flow](https://infonite.dev/flows/financial-rider/llms.txt): Accounts, cards, loans and investments - [Overview](https://infonite.dev/flows/financial-rider/overview.md) - [Authentication & keys](https://infonite.dev/flows/financial-rider/authentication.md) - [Features](https://infonite.dev/flows/financial-rider/features.md) - [Recurring Access](https://infonite.dev/flows/financial-rider/recurring-access.md) - [Webhooks](https://infonite.dev/flows/financial-rider/webhooks.md) - [Spain Public Administration Flow](https://infonite.dev/flows/spain-public-administration/llms.txt): Social Security, CIRBE and the DGT - [Overview](https://infonite.dev/flows/spain-public-administration/overview.md) - [Authentication & keys](https://infonite.dev/flows/spain-public-administration/authentication.md) - [Choosing the administrations](https://infonite.dev/flows/spain-public-administration/sources.md) - [Webhooks](https://infonite.dev/flows/spain-public-administration/webhooks.md) - [Redirects & Completion](https://infonite.dev/flows/spain-public-administration/redirects.md) - [Direct Executions](https://infonite.dev/direct-executions/llms.txt): Every engine, server to server - [What is a direct execution](https://infonite.dev/direct-executions/overview.md) - [Your first execution](https://infonite.dev/direct-executions/quickstart.md) - [Authentication & keys](https://infonite.dev/direct-executions/authentication.md) - [The execution lifecycle](https://infonite.dev/direct-executions/lifecycle.md) - [Challenges & MFA](https://infonite.dev/direct-executions/challenges.md) - [The Console](https://infonite.dev/console/llms.txt): Applications, keys and numbers - [The Console](https://infonite.dev/console.md) - [How it fits together](https://infonite.dev/console/organizations-and-applications.md) - [Your account](https://infonite.dev/console/your-account.md) - [Your first application](https://infonite.dev/console/your-first-app.md) - [App settings](https://infonite.dev/console/app-settings.md)