finhome GmbH

What finhome GmbH does

finhome GmbH is a Munich-based private fintech holding entity operating within the fin|economy venture group, with BANKSapi Technology GmbH as its core operating subsidiary. The combined group runs a regulated Open Banking and Open Finance platform built around a single RESTful API that has been in productive use since 2015. The platform provides programmatic access to more than 3,000 banks, cards and securities accounts, covering hundreds of millions of accounts through PSD2 endpoints as well as FinTS, EBICS, proprietary APIs, and web scraping. The core product suite comprises six interconnected modules: BANKS/Connect (account aggregation and SEPA payments), PAY/Connect (Pay by Bank account-to-account payments), AI/Connect (real-time transaction analytics and risk scoring), WEB/Connect (embedded banking widgets and microfrontends), REG/Protect (PSD2 compliance-as-a-Service / License-as-a-Service under its own BaFin authorization), and LLM/Connect (an MCP server exposing Open Banking features to AI tools and chatbots). A FinTS Adapter extends coverage to German banking systems beyond standard PSD2 reach.

The platform serves enterprise and developer customers across seven verticals: fintech and banking, payment and eCommerce, ERP and accounting, identity and AML, financial advisory, insurance, and lending and credit. Named enterprise customers include Alte Leipziger – ALH Gruppe, Swiss Life, DEMV, Stadtsparkasse Wuppertal, Lexware, and Diamant Software. The business operates a dual go-to-market combining an API-first, product-led-growth motion (free trial, developer hub, GitHub widget demos) with enterprise field sales for larger contracts. Revenue is generated across five streams: subscription/usage-based API access fees, per-transaction SEPA payment fees, analytics subscriptions, PSD2 compliance licensing, and embedded widget licensing. The company is ISO 27001 certified, GDPR and DORA compliant, and IDW PS 951 certified, with infrastructure hosted in a high-security data center in Germany.

The company is BaFin-licensed as both an Account Information Service (AIS) and Payment Initiation Service (PIS) provider, a regulatory authorization that doubles as a structural moat and a billable compliance product (REG/Protect). finhome GmbH was incorporated in 2019 as the group holding entity around the already-operating BANKSapi platform; the leadership of record is Managing Director Rolf Henning Hackel. Operating scope is DACH-focused (Germany, Austria, Switzerland). No public revenue, headcount, or funding figures are disclosed in the available material.

Name

finhome GmbH

Legal name

BANKSapi Technology GmbH

Website

https://finhome.de

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

finhome GmbH operates a BaFin-licensed Open Banking and Open Finance platform (BANKSapi) providing API access to 3,000+ banks, AI-driven transaction analytics, Pay by Bank payments, embedded widgets, and PSD2 compliance-as-a-service for fintechs, banks, insurers, ERP vendors, and eCommerce enterprises across the DACH region.

Ownership category

akta.pro rank

Product category

Open Banking API Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)

akta.pro secondary industries

Open Banking, Account Aggregation & Payment Initiation APIs (BPAMAFAJ), Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

• Open banking API
• PSD2 compliance services
• Account aggregation platform
• Embedded finance widgets
• Fintech infrastructure software

Headquarters

HQ city

München

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations, Others

Revenue model

1. API Access Fees: Revenue from providing API access to bank accounts, financial products, and payment services. Subscription or usage-based model for developers and enterprises accessing BANKS/Connect.
2. Payment Transaction Processing: Transaction fees from PAY/Connect Pay by Bank service processing SEPA payments. Company executes millions of euros in SEPA transactions regularly.
3. Analytics Services: Revenue from AI/Connect data analytics services including risk scoring, transaction categorization, and financial behavior analysis.
4. Compliance Licensing: License-as-a-Service offering REG/Protect for PSD2 compliance. Companies can operate without own license by leveraging BANKSapi's regulatory authorization.
5. Embedded Banking Widgets: Ready-to-deploy frontend modules for banking, consent, and data visualization sold or licensed to financial distributors, asset managers, insurers, and other financial service providers.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

finhome GmbH operates a white-label platform technology that consolidates bank accounts, capital investments, and insurance products into a unified offering. The platform is delivered through the related BANKSapi Open Banking and Open Finance REST API, providing access to more than 3,000 banks, securities accounts, and financial products, with SEPA payment processing, AI-driven transaction analytics, and PSD2-compliant infrastructure for enterprise customers across the DACH region.

Product overview

BANKSapi is an Open Banking and Open Finance Platform offering a unified portfolio of six interconnected products built on a REST API (active since 2015). The core offerings include BANKS/Connect (account aggregation and SEPA payments), PAY/Connect (Pay by Bank for e-commerce), and AI/Connect (real-time data analytics). These are complemented by WEB/Connect (banking widgets for embedded finance), REG/Protect (PSD2 compliance-as-a-Service), and LLM/Connect (MCP server for AI chatbot integration). A FinTS Adapter extends coverage to German banking systems. All products share a common API infrastructure and can be used independently or combined.

Differentiator

Problem solved

Functional benefit

Brands

• BANKS/Connect: Open Banking API providing access to over 3,000 banks, cards and securities accounts with real-time data and SEPA payments
• PAY/Connect
• AI/Connect
• WEB/Connect
• REG/Protect
• LLM/Connect

Products and services

• BANKS/Connect RESTful Open Banking API providing access to more than 3,000 banks, cards and securities accounts with real-time data, SEPA payments, and PSD2/GDPR compliance for personal and business accounts. Designed for fintechs, banks, ERP/accounting software vendors, and enterprise developers.
• PAY/Connect Pay by Bank payment solution enabling direct account-to-account payments in real time at low cost, processed without card-network intermediaries. Built for online merchants, e-commerce platforms, and POS integrators seeking low-cost payment rails.
• AI/Connect AI-driven data analytics platform that uncovers sales potential, risks, and insights in real time by transforming transaction data into actionable business intelligence including risk scoring, transaction categorization, and financial behavior prediction.
• WEB/Connect Ready-to-use plug-and-play banking and analytics widgets for embedding into apps or websites. Fully customizable, framework-agnostic, and PSD2 compliant, enabling rapid time-to-market for digital finance products.
• REG/Protect PSD2 Compliance-as-a-Service that lets businesses stay PSD2-compliant without obtaining their own BaFin license, by operating under the platform's existing AIS and PIS regulatory authorization. Built for secure, scalable fintech solutions.
• LLM/Connect MCP server allowing BANKS/Connect and AI/Connect to be seamlessly integrated into chatbots or other LLM applications, regardless of the model used and whether it runs locally or is hosted externally.
• FinTS Adapter Adapter providing access to German banking systems via the FinTS protocol for legacy and additional bank coverage beyond standard PSD2 endpoints.
• BANKSapi Documentation MCP Server New MCP server product launched in 2025 that enables AI coding assistants (Claude Code, Cursor, Windsurf) to directly access BANKSapi documentation to accelerate technical implementation and reduce manual research time.

Quantifiable outcome

• Access to 3,000+ banks and hundreds of millions of accounts
• +3 more outcomes

Named customers6 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature7 records

Partnerships

Six partnerships are on record, tiered minor and moderate.

• Bankenverband (German Banking Association)minorOthersIndustry membership in German Banking Association for industry visibility, networking, and participation in banking sector developments in Germany.
• European Payments Council (EPC)minorOthersMembership in European Payments Council for participation in payment standards development and SEPA ecosystem engagement.
• Free Insurance Data Initiative (FRIDA)moderateStrategic or Co-development PartnerInitiative membership for developing open insurance data standards. Aligns with BANKSapi's insurance sector focus and data standardization efforts.
• BitkomminorOthersMembership in Germany's digital association for tech industry engagement, policy advocacy, and digital ecosystem participation.
• BiPRO - Brancheninstitut für ProzessoptimierungmoderateStrategic or Co-development PartnerInstitute membership for insurance process optimization standards. Relevant for BANKSapi's insurance sector solutions and process integration capabilities.
• VOTUM - Verband Unabhängiger Finanzdienstleistungs-Unternehmen in EuropamoderateStrategic or Co-development PartnerAssociation membership for independent financial services companies in Europe. Supports BANKSapi's distribution reach to financial advisory sector.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Belvo: Latin America's leading open banking API platform covering bank accounts, payments, and financial data across multiple LATAM markets. Comparable product architecture (AIS + PIS unified APIs) but serves a distinct geography from BANKSapi's DACH focus.

Direct peers

• Token.io: Open banking payments network enabling account-to-account payments and request-to-pay for banks and merchants. Closest peer to BANKSapi's PAY/Connect offering, competing on cost-efficient account-to-account rails as a card alternative.
• Yapily: European open banking infrastructure provider focused on account aggregation, payment initiation, and variable recurring payments. Competes with BANKSapi for enterprise AIS/PIS mandates, particularly in financial services and fintech verticals.
• Finicity (Mastercard): Mastercard-owned open banking and financial data aggregation platform offering account verification, transaction data, and cash-flow underwriting APIs. Comparable to BANKSapi in serving lenders, fintechs, and financial institutions with aggregation-driven analytics.
• TrueLayer: UK-based open banking API platform for account data and Pay by Bank payments, serving fintechs, lenders, and merchants. Comparable to BANKSapi in combining AIS + PIS via unified APIs and targeting payment modernization in e-commerce.
• Salt Edge: Open banking API provider offering account aggregation, payment initiation, and business onboarding across 5,000+ institutions globally. Direct comparable in developer-first API delivery and PSD2 license-as-a-service positioning.
• Plaid: US-headquartered open banking/data aggregation platform connecting bank accounts, transactions, and payments via REST APIs. Most direct global comparable to BANKS/Connect in product architecture, target customer base (fintechs, enterprises), and developer-first GTM.
• Tink (Visa): European open banking platform owned by Visa, offering account aggregation, payment initiation, and transaction data across 18+ markets. Closest pan-European peer to BANKSapi, competing head-to-head for PSD2-driven AIS/PIS workloads.
• NDGIT: Germany-based banking API platform offering PSD2-compliant open banking, account aggregation, and payment initiation services to banks, insurers, and corporates. Most direct German-headquartered peer competing for the same enterprise buyer base as BANKSapi.

Broad incumbents

• Klarna Kosma: Open banking division spun out of Klarna, offering account aggregation, payment initiation, and financial data APIs at scale across Europe. Comparable in product breadth but bundles open banking into Klarna's broader BNPL and merchant ecosystem.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/finhome-gmbh

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about finhome GmbH