Ockto
Ockto is a Dutch secure wallet services platform enabling document-free customer journeys by connecting organizations directly to verified personal data from government, banking, and tax sources. It serves approximately 100 financial institutions, municipalities, and enterprises across the Netherlands via PSD2-compliant APIs.
- Company typePrivate
- Founded2013
- HeadquartersNaarden, Netherlands
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Ockto does
Ockto is a Dutch secure wallet services platform founded in 2013 and headquartered in Naarden, Netherlands. The company enables document-free customer journeys by connecting organizations directly to verified personal data from authoritative sources including government services, banks (via PSD2 Open Banking), and the Dutch Tax Authority (Belastingdienst). Ockto's core product suite comprises five offerings: Data Sharing (secure retrieval of personal data from official sources), OcktoID (digital identity verification integrated with DigiD), Open Banking (PSD2-compliant bank transaction insights), Ockto Client Input (structured data extraction from loose documents), and Ockto Brondata Service (a standard for digital data exchange across complex multi-party chains). All data flows are end-to-end encrypted with full audit trails, and Ockto itself cannot view customer data — users explicitly consent to sharing.
Ockto serves approximately 100 organizations in the Netherlands across five primary verticals: Financial Services (banks, mortgage providers, insurers, pension executors, credit providers — including ING, Rabobank, ABN Amro, Knab, Argenta, a.s.r.), Government/Municipalities (subsidy allocation, social services), Real Estate (tenant screening), Automotive (lease financing — Toyota Louwman, Justlease), and SMB/Mid-market business services (commercial real estate financing, SME lending). Documented customer outcomes include 30% time savings in mortgage orientation (De Hypotheker) and processing time reduced from five working days to under three minutes for private lease applications (Justlease). The company distributes primarily through direct API integration and pre-built CRM/advice system connectors, supported by a consultative sales motion with expert integration services.
The business model is B2B subscription/recurring revenue based on platform access, integration services, and transaction volume, though pricing is not publicly disclosed and operates on a quote-based enterprise model. Ockto's competitive position rests on a dense regulatory compliance stack (PSD2 AISP, ISO 27001, GDPR, AFM, DNB, eIDAS, DORA) and direct integrations with Dutch national identity (DigiD) and banking infrastructure. The company received investment from ABN AMRO Ventures in 2018, operates a small team (11–50 employees), and has positioned itself as the Dutch market leader in data sharing services for over a decade.
Ockto firmographics
Firmographics- Name
- Ockto
- Legal name
- Ockto
- Website
- https://ockto.nl
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Ockto is a Dutch secure wallet services platform enabling document-free customer journeys by connecting organizations directly to verified personal data from government, banking, and tax sources. It serves approximately 100 financial institutions, municipalities, and enterprises across the Netherlands via PSD2-compliant APIs.
- Ownership category
- akta.pro rank
Ockto industry classification
Industry- Product category
- Secure Data Sharing Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI)
- akta.pro secondary industries
- Income & Employment Verification (VOI/VOE, payroll-linked data) (FSAGACAE), Identity & Authentication for Open Banking (SCA support, token exchange) (FSAGACAF)
Keywords
Where Ockto is headquartered
LocationHeadquarters
- HQ city
- Naarden
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Ockto business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- B2B Platform Services: Ockto provides data sharing services to organizations that need to collect and process personal data in their customer processes. The platform enables document-free digital customer journeys, charging organizations for access to verified data sources and integration services.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Ockto product offering
Product offeringCore offering
Ockto provides a secure data sharing and wallet services platform that enables organizations to run document-free customer journeys. The platform retrieves verified personal data directly from official sources (Dutch government services, tax authorities, and banks via PSD2 Open Banking), performs digital identity verification, and exchanges data in standardized formats across complex business chains with end-to-end encryption and full audit trails.
Product overview
Ockto is a document-free customer journey platform enabling organizations to securely share personal data. The platform operates as a unified system combining data retrieval from official government and banking sources (Data Sharing), digital identity verification (OcktoID), Open Banking via PSD2, structured data extraction from documents (Ockto Client Input), and enterprise data exchange in complex chains (Ockto Brondata Service). Customers access data directly from reliable sources such as government services and banks through encrypted, customer-consented connections, with organizations receiving only necessary data in a standardized format. The platform serves financial services (mortgage providers, advisors, credit lenders, automotive, pensions), social domain (municipalities, subsidy allocation), and SMB services (commercial real estate financing, SME financing).
Differentiator
Problem solved
Functional benefit
Products and services
- Ockto Data Sharing (Data delen)
Quantifiable outcome
- 30% time savings in the orientation phase for mortgage advice
- +3 more outcomes
Companies that use Ockto
Customer profileNamed customers24 records
Segments5 records
Ideal customer profiles3 records
Ockto technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
Ockto partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- DigiDcoreIntegration with DigiD for digital authentication, enabling Dutch citizens to securely log in using their government-issued digital identity system.
- Dutch Tax Authority (Belastingdienst)coreData source connection for accessing official tax records directly from the Dutch tax authority for verification purposes.
- Dutch Banking SectorcorePSD2-compliant connections to Dutch banks enabling access to account information and transaction data via Open Banking API.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Ockto competitors and assessment
Company assessmentBroad incumbents
- Plaid: Global open banking and financial data connectivity platform connecting bank accounts to apps and services. Highly comparable to Ockto's Open Banking module, though much broader geographically and across use cases.
- Mastercard Open Banking: Global open banking connectivity and financial data platform from Mastercard. Comparable on PSD2 connectivity and Open Banking APIs, but with materially broader geographic and product scope.
Direct peers
- Signicat: Nordic-origin European digital identity, KYC, and electronic signature platform serving banks, insurers, and public sector. Comparable to Ockto on eIDAS-aligned digital identity (OcktoID) and regulated onboarding flows across Europe.
- Tink (Visa): European open banking platform owned by Visa, providing PSD2-based account aggregation and transaction data to banks, lenders, and fintechs. Directly comparable to Ockto's PSD2 AISP capabilities and European bank connectivity model.
- SurePay: Dutch IBAN-name verification and payment validation service used by Dutch banks. Comparable as a Dutch-headquartered, bank-grade data-verification infrastructure provider serving the same core customer set.
- Onfido: AI-driven digital identity verification provider used by banks, fintechs, and online platforms for KYC and onboarding. Overlaps with OcktoID and document-driven client-input onboarding workflows.
Emerging players
- Arianee: Decentralized digital identity and wallet infrastructure provider focused on consumer data ownership and consent. Thematically aligned with Ockto's privacy-first, consumer-controlled data sharing narrative but with a different technical foundation.
Regional players
- Verimi: German digital identity and data-sharing platform for login, eIDAS, and verified attributes. Comparable platform model to Ockto in a different national market with similar regulatory drivers.
- iDIN (Currence): Dutch bank-issued digital identity standard for consumer login, data sharing, and age/identity verification. Directly comparable to OcktoID/DigiD flows and competes for the same Dutch-bank onboarding slot.
- itsme: Belgian eIDAS-qualified digital identity wallet widely used by banks, insurers, and government. Closest functional analog to OcktoID/DigiD-based verified identity flows in a neighboring market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Ockto social profiles
Digital presenceOckto compliance and trust
Trust signalCompliance7 records
Ockto financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ockto leadership team
Management profileNumber of profiles
Profiles1 record
Ockto funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ockto 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 Ockto
What does Ockto do?
Ockto provides a secure data sharing and wallet services platform that enables organizations to run document-free customer journeys. The platform retrieves verified personal data directly from official sources (Dutch government services, tax authorities, and banks via PSD2 Open Banking), performs digital identity verification, and exchanges data in standardized formats across complex business chains with end-to-end encryption and full audit trails.
Is Ockto a public or private company?
Ockto is a private company. It is classified as venture growth investor backed and is currently operating.
When was Ockto founded?
Ockto was founded in 2013. It employs 11 to 50 people.
Where is Ockto based?
Ockto is headquartered in Naarden, Netherlands, in the Europe region.
How does Ockto make money?
One revenue line is on record: B2B Platform Services.
Who are Ockto's main competitors?
Broad incumbents on record are Plaid and Mastercard Open Banking. Direct peers are Signicat, Tink (Visa), SurePay and Onfido. Arianee is listed as an emerging player. Regional players are Verimi, iDIN (Currence) and itsme.
Does Ockto have an API?
Yes. Ockto offers API integration for data sharing. The platform connects via APIs or standard integrations, allowing organizations to embed Ockto services into their systems, customer portals, and workflows. The API enables organizations to retrieve personal data from government sources (such as tax authorities) and banks through secure, encrypted connections. Customers log in to grant access, with data transmitted encrypted and standardized into the organization's own systems. The company also provides CRM and advisory system connections used in mortgage, financial advisory, rental, and credit acceptance sectors. Developer documentation is at docs.ockto.eu.
What industry is Ockto in?
Ockto's product category is Secure Data Sharing Platform. Its primary akta.pro industry code is FSAMAEAI, Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service), with a secondary code of FSAGACAE, Income & Employment Verification (VOI/VOE, payroll-linked data). Its NAICS code is 522320 and its SIC code is 6199.