Skript
Skript is an Australian B2B Open Banking infrastructure provider offering CDR-accredited API access to 110+ Australian banks, serving accounting platforms, lenders, and fintechs with data feeds, verification, and white-labelled consent management.
- Company typePrivate
- Founded2021
- HeadquartersSydney, Australia
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Skript does
Skript is an Australian B2B Open Banking infrastructure provider headquartered in Sydney, operating as an Active Unrestricted Accredited Data Recipient (ADRBNK2010) under the Australian Consumer Data Right (CDR) framework. The company provides standardized API connectivity to over 110 Australian banks, allowing clients to consume consumer and business banking data without having to obtain their own CDR accreditation. Founded in 2021 and led by CEO Eric Tsang, Skript has built a product suite spanning Superskript (full customer data via a single API), Superskript Plus (dedicated API connections with ongoing data refresh for payment reconciliation), Subskript (self-access to a business's own banking data), and Inskript (derived insights such as balance and account checks without requiring full accreditation). The platform is supported by a white-labelled consent management solution covering all CDR access models including BCDC (business disclosure), and all CDR data is stored exclusively in AWS Sydney and Melbourne with no overseas data handling. The company is led by CEO Eric Tsang, CIO Sarah Wallis, and CTO Mark Wallis.
The business model is API-first and developer-portal-led, with a free sandbox for evaluation, tiered monthly subscriptions across product tiers, and sales-assisted engagement for enterprise or white-label deployments. The GTM motion combines product-led growth (self-serve sign-up via portal.skript.com.au) with a horizontal go-to-market across multiple segments: accounting and finance software providers (automated bank feeds for reconciliation and ERP integration), lenders and credit providers (income and balance verification), fintechs and financial service providers (account verification and balance checks), personal finance management apps, and micro-savings/investment platforms (transaction roundups). The company has signed channel-style partnerships with three Australian accounting platforms — Saasu (June 2023), BGL (October 2023), and Jcurve (November 2023) — and acts as CDR Representative for clients such as Wrkr.
Skript is privately held, has 1-10 employees, and has not publicly disclosed revenue. The company received an early-stage funding round in September 2021 (amount not disclosed) with participation from Carthona Capital and Global Founders Capital. Strategic momentum in 2023 was driven by product launches (Subskript, Inskript, Superskript Plus) and the three accounting-software partnerships, with the February 2024 launch of business data via CDR (BCDC) marking the most recent product expansion. The August 2024 Australian government announcement of CDR expansion plans represents a material forward-looking tailwind for the addressable market.
Skript firmographics
Firmographics- Name
- Skript
- Legal name
- Skript Pty Ltd
- Website
- https://skript.com.au
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Skript is an Australian B2B Open Banking infrastructure provider offering CDR-accredited API access to 110+ Australian banks, serving accounting platforms, lenders, and fintechs with data feeds, verification, and white-labelled consent management.
- Ownership category
- akta.pro rank
Skript industry classification
Industry- Product category
- Open Banking / Financial Data Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Customer Permissioning & Consent Management (OAuth, scopes, revocation) (FSAGACAC)
- akta.pro secondary industry
- Identity & Authentication for Open Banking (SCA support, token exchange) (FSAGACAF)
Keywords
Where Skript is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices3 records
Markets served
Skript business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- API Access / Subscription: Skript generates revenue through subscription-based access to its CDR APIs, with tiered product offerings (Superskript, Subskript, Superskript Plus, Inskript). Each tier provides different levels of data access and functionality, with pricing likely varying by data volume and features.
- Usage-based API Pricing: Given the API-first, developer-portal-led GTM motion and the mention of free sandbox with paid production access, usage-based pricing (metered by API calls or data volume) is likely a component of the revenue model.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free Sandbox — API testing environment with mock data |
| Subscription | Monthly | Subskript — Self-access to own banking data |
| Subscription | Monthly | Superskript — Full customer data superset via single API |
| Subscription | Monthly | Superskript Plus — Dedicated connections with ongoing refresh |
| Subscription | Monthly | Inskript — Derived insights without full accreditation |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Skript product offering
Product offeringCore offering
Skript provides Open Banking APIs under Australia's Consumer Data Right (CDR) framework, connecting to 110+ Australian banks to deliver secure banking data access for businesses. Its product suite includes Superskript (customer data superset via single API), Superskript Plus (dedicated connections with ongoing refresh), Subskript (self-access to own data), and Inskript (derived insights). Use cases span payment reconciliation, finance management, income verification, customer and account checks, balance checks, and transaction roundups, with white-labelled consent management and BCDC support.
Product overview
Skript is an Open Banking (Consumer Data Right) fintech company offering a suite of financial data products. The portfolio includes Superskript (comprehensive customer data via single API), Superskript Plus (dedicated API connections for business data), Subskript (access own data via API), and Inskript (insights-only access without full accreditation). These products enable use cases including payment reconciliation, finance management, income verification, customer/account verification, balance checking, and transaction roundups across Australian banks via CDR.
Differentiator
Problem solved
Functional benefit
Brands
- Superskript: A superset of customers' data via a single API
- Subskript
- Superskript Plus
- Inskript
Products and services
- Superskript
Quantifiable outcome
- Connected to over 110 Australian banks via standardized APIs — covering every bank (ADI) in Australia
- +1 more outcomes
Companies that use Skript
Customer profileSegments5 records
Ideal customer profiles5 records
Skript technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Skript partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- JcurvecoreJcurve Partners with Skript to streamline bank feeds integration for businesses. The partnership enables Jcurve's clients to access automated bank data feeds via Skript's CDR APIs, reducing manual data entry and improving accounting workflow efficiency.
- BGLcoreBGL partners with Skript to connect its clients to Open Banking via CDR integration. BGL is a provider of accounting and practice management software, and the partnership allows its clients to share banking data securely and automatically without manual uploads.
- SaasucoreSkript partners with Saasu to streamline bank data feeds through CDR integration. Saasu is an online accounting and ERP platform; the partnership enables Saasu's customers to connect their bank accounts via Open Banking for automated reconciliation.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Skript competitors and assessment
Company assessmentEmerging players
- Token.io: Token.io is an open banking payments and data network operating across Europe and the UK. It overlaps with Skript on the open banking infrastructure layer, particularly as CDR expands toward payment initiation capabilities.
- Bud Financial: Bud Financial is an open banking data and insights platform that, like Skript, exposes transaction data via APIs and supports use cases such as affordability, categorisation, and personalisation, primarily in the UK and select APAC markets.
Direct peers
- Frollo: Frollo is an Australian CDR-accredited data recipient providing open banking APIs and a personal finance management (PFM) platform. It competes with Skript on the same Australian CDR rails for both data access and insights use cases.
- Credit Sense: Credit Sense provides open banking-driven credit risk and income verification solutions to Australian lenders. It competes with Skript for the same lender and credit-provider segment, particularly around income verification use cases.
- Basiq: Basiq is an Australian open banking data aggregation platform and accredited CDR data recipient. It is Skript's most direct domestic competitor, offering similar bank-data APIs to lenders, accountants, and fintechs across Australia.
Broad incumbents
- Plaid: Plaid is a leading global financial data network connecting bank accounts to apps. While primarily US-focused, Plaid has expanded into several international markets, making it a relevant incumbent threat in the broader open banking infrastructure category.
- Yodlee: Yodlee (Envestnet) is a long-standing financial data aggregation platform serving banks, lenders, and fintechs. It is a broad incumbent comparable to Skript on the underlying data aggregation functionality, though at much larger scale and across many geographies.
- MX Technologies: MX is a US-based open finance data platform offering account aggregation, connectivity, and data cleaning APIs. It competes in the same category as Skript but with a broader multi-region footprint and larger enterprise customer base.
- TrueLayer: TrueLayer is a global open banking API platform serving the UK, Europe, and Australia. It overlaps with Skript's core API-based data aggregation offering while operating at significantly larger scale across multiple geographies.
Regional players
- Moneysoft: Moneysoft is an Australian open banking data and affordability assessment provider primarily serving lenders and brokers. It overlaps with Skript's lender-segment value proposition while concentrating on credit decisioning workflows.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Skript social profiles
Digital presenceSkript compliance and trust
Trust signalCompliance2 records
Skript financial estimates
Financial estimateRevenue estimate
Valuation estimate
Skript leadership team
Management profileNumber of profiles
Profiles3 records
Skript funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Skript 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 Skript
What does Skript do?
Skript provides Open Banking APIs under Australia's Consumer Data Right (CDR) framework, connecting to 110+ Australian banks to deliver secure banking data access for businesses. Its product suite includes Superskript (customer data superset via single API), Superskript Plus (dedicated connections with ongoing refresh), Subskript (self-access to own data), and Inskript (derived insights). Use cases span payment reconciliation, finance management, income verification, customer and account checks, balance checks, and transaction roundups, with white-labelled consent management and BCDC support.
Is Skript a public or private company?
Skript is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Skript founded?
Skript was founded in 2021. It employs 1 to 10 people.
Where is Skript based?
Skript is headquartered in Sydney, Australia, in the Oceania region.
How does Skript make money?
Two revenue lines are on record. API Access / Subscription is the primary driver. The others are usage-based API Pricing.
Who are Skript's main competitors?
Emerging players on record are Token.io and Bud Financial. Direct peers are Frollo, Credit Sense and Basiq. Broad incumbents are Plaid, Yodlee, MX Technologies and TrueLayer. Moneysoft is listed as a regional player.
Does Skript have an API?
Yes. Skript offers APIs for accessing financial data via the Consumer Data Right (CDR). The APIs provide access to over 110 Australian banks through standardised APIs with flexible filtering and sorting capabilities. The developer portal at portal.skript.com.au provides sandbox access for testing. APIs support all CDR access models including business disclosure (BCDC) and can access various data types including account balances, transaction details, direct debits, scheduled payments, and customer information.
What industry is Skript in?
Skript's product category is Open Banking / Financial Data Infrastructure. Its primary akta.pro industry code is FSAGACAC, Customer Permissioning & Consent Management (OAuth, scopes, revocation), with a secondary code of FSAGACAF, Identity & Authentication for Open Banking (SCA support, token exchange). Its NAICS code is 522320 and its SIC code is 6199.