Quiltt
Quiltt is a Dallas-based fintech infrastructure company that provides a unified open banking API and embeddable connector, letting startups and enterprises access multiple bank-data aggregators and enrichment providers through one integration and contract.
- Company typePrivate
- Founded2022
- HeadquartersDallas, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Quiltt does
Quiltt, Inc. is a Dallas-based fintech infrastructure company that operates a unified open banking API platform, aggregating multiple financial data aggregators (MX, Finicity, Akoya) and transaction enrichment providers (Fingoal, Ntropy, Pave) behind a single REST and GraphQL interface. The company's core products are the Quiltt Connector — an embeddable, no-code front-end component for account linking that can be deployed as a hosted URL or a one-line embed — and a set of Core API Resources exposing Profiles, Connections, Accounts, Balances, Statements, Transactions, and Remote Data. SDKs are available for HTML, React, React Native, Flutter, iOS, and Android, and a no-code Quiltt Dashboard allows customers to enable additional providers and configure connectors without engineering work. SOC 2 Type 2 certification has been maintained for two consecutive cycles.
The company sells through three tiers — Builder, Startup, and Enterprise — using a subscription model priced per connection or end user, with wholesale pricing on the underlying aggregators enabled by Quiltt's role as an authorized reseller. The go-to-market motion combines self-serve product-led growth (Dashboard signup, instant demo, developer documentation at quiltt.dev) with sales-assisted enterprise engagement. Target customers span solo builders and non-technical founders using no-code tools, early-stage fintech startups (Crew, Hiro, Cointracker, Docyt, Bookkeep, Numeric, LendAPI), and enterprise buyers including Carta, Datarails, and family offices such as Elk Crest Management. Headcount is reported at 1-10 employees; the company has raised approximately $6.3 million across a 2020 pre-seed, a 2022 seed round led by Greycroft and nvp capital, and a 2025 round with Alumni Ventures and K Street Capital, and was selected for the Mastercard Start Path Open Banking and Embedded Finance program in 2024.
Quiltt firmographics
Firmographics- Name
- Quiltt
- Legal name
- Quiltt, Inc.
- Website
- https://quiltt.io
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Quiltt is a Dallas-based fintech infrastructure company that provides a unified open banking API and embeddable connector, letting startups and enterprises access multiple bank-data aggregators and enrichment providers through one integration and contract.
- Ownership category
- akta.pro rank
Quiltt industry classification
Industry- Product category
- Open Banking API Platform
- NAICS
- Computer Systems Design and Related Services (54151)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Open Banking APIs & Connectivity (FSAMAFAA)
- akta.pro secondary industry
- Payment Gateways & API Connectivity (FSAGABAB)
Keywords
Where Quiltt is headquartered
LocationHeadquarters
- HQ city
- Dallas
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Quiltt business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- API Subscription / Access Fees: Customers pay subscription fees for access to the Quiltt platform and API services. The fees are based on the number of end users or connections and provide access to selected data aggregators, enrichment providers, support, and maintenance. Multiple pricing tiers exist including Startup, Builder, and Enterprise plans. Payment is in US dollars, typically via ACH transfer with 30-day payment terms for enterprise customers.
- Third-Party Application Fees: Fees for access to and use of third-party applications integrated into the platform, including data enrichment providers. These fees are specified in customer Orders based on time periods and usage metrics.
- Professional Services: Implementation assistance, integration, training, consulting, and technical services provided to customers pursuant to Orders. These include on-site support, custom development, and change orders for modified requirements.
- Wholesale/Reseller Pricing: Quiltt acts as an authorized reseller of leading data providers, offering wholesale pricing to customers. This allows customers to benefit from aggregated buying power and avoid minimum monthly commitments with individual providers, while Quiltt earns margins on the reseller arrangement.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Builder Plan - Entry-level for individual developers and small teams |
| Subscription | Monthly | Startup Plan - Mid-tier for growing startups |
| Subscription | Annual | Enterprise Plan - Full-service for large organizations |
| Other | Multi-year contract | Professional Services - Implementation and consulting |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
Quiltt product offering
Product offeringCore offering
Quiltt operates a unified open banking API platform that aggregates multiple financial data providers (MX, Finicity, Akoya) and transaction enrichment services (Fingoal, Ntropy, Pave) behind a single API integration. Its flagship Quiltt Connector provides an embeddable front-end for onboarding end users onto account-linking flows without writing integration code. The platform serves solo builders, startups, and enterprises with tiered subscription plans.
Product overview
Quiltt is a Unified Open Banking API Platform that provides fintech infrastructure for connecting to financial data through a single integration. The platform consists of the Quiltt Connector as the embeddable front-end component for account linking, Core API Resources providing Profiles, Connections, Accounts, Balances, Statements, and Transactions endpoints, and platform features including Account Aggregation (connecting to MX, Finicity, Akoya), Enrichment (via Fingoal, Ntropy, Pave), Webhooks for real-time events, Remote Data access, and a no-code Dashboard for configuration. The platform serves Solo Builders, Startups, and Enterprise customers through tiered plans.
Differentiator
Problem solved
Functional benefit
Products and services
- Quiltt Connector A modular, fully embeddable front-end component for onboarding customers onto account aggregation and financial APIs, enabling secure authentication and account linking without writing integration code. Available as a hosted URL or 1-line embed snippet.
- Quiltt Unified API Platform REST and GraphQL APIs providing access to financial data including profiles, connections, accounts, balances, statements, and transactions through a unified interface that normalizes data across multiple providers.
- Account Aggregation Service Access to multiple financial data aggregators (MX, Finicity, Akoya) through a single integration, providing broad coverage of banking and financial institutions with automatic provider routing.
- Transaction Enrichment Service Transaction data enrichment capabilities through integrated providers (Fingoal, Ntropy, Pave) that categorize transactions, identify spending patterns, and derive financial insights.
- Webhooks Service Real-time event notifications and data streaming capabilities for monitoring account changes, transaction updates, and connection status.
- Quiltt Dashboard No-code web-based dashboard for configuring connectors, managing providers, and monitoring data connections without requiring engineering resources.
Quantifiable outcome
- 3-month development timeline for production-ready application with comprehensive coverage (vs. 3 months for single aggregator integration previously)
- +3 more outcomes
Companies that use Quiltt
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
Quiltt technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature10 records
Quiltt partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and flagship.
- MXcoreMX is a leading financial data aggregation provider integrated into Quiltt's unified API platform. Quiltt serves as an authorized reseller of MX services, providing customers access to MX's account aggregation capabilities through a single contract and API. The partnership enables Quiltt customers to connect to MX's network of financial institutions.
- FinicitycoreFinicity is a financial data aggregation provider integrated into Quiltt's unified API platform. As an authorized reseller, Quiltt provides access to Finicity's account aggregation and financial data services through the platform. The partnership enables improved bank coverage through intelligent routing.
- AkoyacoreAkoya is a financial data aggregation provider integrated into Quiltt's unified API platform. Quiltt resells Akoya services enabling customers to access Akoya's financial institution network through the unified API. Supports Quiltt's multi-aggregator approach for comprehensive coverage.
- FingoalcoreFingoal is a transaction enrichment provider integrated into Quiltt's platform. Enables categorization of transactions, identification of spending patterns, and derivation of valuable insights from financial data. Available through Quiltt's enrichment API.
- NtropycoreNtropy is a transaction enrichment provider integrated into Quiltt's platform for enhanced financial data categorization and merchant identification. Provides machine learning-powered transaction categorization for fintech applications.
- PavecorePave is a transaction enrichment provider integrated into Quiltt's platform for financial data enhancement. Enables advanced transaction categorization and financial insights for customer applications.
- MastercardflagshipMastercard selected Quiltt for its Start Path Open Banking and Embedded Finance program, a four-month initiative supporting fintech startups as they scale. Quiltt receives curated programming, a dedicated sponsor providing guidance and expertise, and access to Mastercard's ecosystem. The program supports fintech innovation and enables consumer and small business choice in financial services.
Scale indicators6 records
Recent moves7 records
Expansion highlights5 records
Quiltt competitors and assessment
Company assessmentDirect peers
- Finicity (Mastercard): Finicity, now part of Mastercard, is a financial data aggregator that Quiltt resells. It competes directly as an open banking API provider with comparable account aggregation, verification, and consumer-permissioned data capabilities.
- Akoya: Akoya is an open banking data network integrated into Quiltt and a direct competitor offering bank-permissioned financial data APIs to financial institutions and fintechs. Overlapping product and target customers.
- Plaid: Plaid is the dominant open banking API in the US, directly comparable to Quiltt's core offering of bank account aggregation, authentication, and financial data connectivity for fintechs. Both sell unified connectivity to developers; Plaid is the market leader Quiltt positions itself against.
- MX Technologies: MX is one of the financial data aggregators integrated into Quiltt's platform, and a direct competitor offering its own open banking APIs, account aggregation, and enrichment. Comparable in category and target market.
Regional players
- Tink (Visa): Tink, owned by Visa, is a European open banking platform offering PSD2-compliant APIs for account aggregation and payments. Comparable in category to Quiltt but geographically focused on Europe.
- TrueLayer: TrueLayer is a UK-based open banking API platform comparable to Quiltt in product (account aggregation, payment initiation) but primarily serving European customers under PSD2 rather than competing in the US market.
Broad incumbents
- Yodlee (Envestnet): Yodlee is a long-established financial data aggregation platform owned by Envestnet, offering comparable open banking and account aggregation APIs to fintechs and financial institutions, but as part of a broader wealth data portfolio.
- Mastercard (Open Banking): Mastercard is both a strategic partner of Quiltt (Start Path) and the parent of Finicity, making it a broad incumbent competing across open banking infrastructure, card rails, and embedded finance.
Emerging players
- Stripe (Financial Connectivity / Stripe Connect): Stripe is a payments infrastructure provider expanding into financial connectivity and embedded finance. While not a direct open banking aggregator today, it competes with Quiltt for the same fintech builder audience and developer mindshare.
- Flinks: Flinks is a Canadian open banking and financial data connectivity platform serving fintechs and lenders with comparable account-linking APIs. Similar stage and product overlap to Quiltt but focused on Canadian institutions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Quiltt social profiles
Digital presenceQuiltt compliance and trust
Trust signalCompliance1 record
Quiltt financial estimates
Financial estimateRevenue estimate
Valuation estimate
Quiltt leadership team
Management profileNumber of profiles
Profiles5 records
Quiltt funding detail
Funding detailFunding overview
Funding rounds5 records
Investors14 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Quiltt M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Quiltt
What does Quiltt do?
Quiltt operates a unified open banking API platform that aggregates multiple financial data providers (MX, Finicity, Akoya) and transaction enrichment services (Fingoal, Ntropy, Pave) behind a single API integration. Its flagship Quiltt Connector provides an embeddable front-end for onboarding end users onto account-linking flows without writing integration code. The platform serves solo builders, startups, and enterprises with tiered subscription plans.
Is Quiltt a public or private company?
Quiltt is a private company. It is classified as venture growth investor backed and is currently operating.
When was Quiltt founded?
Quiltt was founded in 2022. It employs 1 to 10 people.
Where is Quiltt based?
Quiltt is headquartered in Dallas, United States, in the North America region.
How does Quiltt make money?
Four revenue lines are on record. API Subscription / Access Fees are the primary driver. The others are third-Party Application Fees, professional Services and wholesale/Reseller Pricing.
Who are Quiltt's main competitors?
Direct peers on record are Finicity (Mastercard), Akoya, Plaid and MX Technologies. Regional players are Tink (Visa) and TrueLayer. Broad incumbents are Yodlee (Envestnet) and Mastercard (Open Banking). Emerging players are Stripe (Financial Connectivity / Stripe Connect) and Flinks.
Does Quiltt have an API?
Yes. Quiltt offers a unified API platform providing REST and GraphQL APIs for accessing financial data including profiles, connections, accounts, balances, statements, and transactions. The API provides access to multiple data aggregators (MX, Finicity, Akoya) and enrichment providers (Fingoal, Ntropy, Pave) through a single integration with standardized data formats. The platform includes webhook support for real-time event notifications and supports custom metadata and remote data access. SDKs are available for HTML, React, React Native, Flutter, iOS, and Android platforms. Developer documentation is at www.quiltt.dev/api-reference.
What industry is Quiltt in?
Quiltt's product category is Open Banking API Platform. Its primary akta.pro industry code is FSAMAFAA, Open Banking APIs & Connectivity, with a secondary code of FSAGABAB, Payment Gateways & API Connectivity. Its NAICS code is 54151 and its SIC code is 7370.