Protean Account Aggregator Limited (SurakshAA)

What Protean Account Aggregator Limited (SurakshAA) does

Protean Account Aggregator Limited operates under the consumer brand "Protean SurakshAA" and is positioned as an Indian Account Aggregator — a regulated entity under the Reserve Bank of India's Account Aggregator framework that facilitates consented financial-data sharing between Financial Information Providers (banks, insurers, mutual funds) and Financial Information Users (lenders, fintechs, wealth platforms). The legal name, the presence of a citizens charter, a user-grievance workflow, and formal terms/disclaimer pages are consistent with a licensed, consumer-facing data intermediary rather than a purely back-end utility.

From the available data, the underlying technology stack, product surface, API/SDK footprint, and feature set are not disclosed. Core technology is recorded as "Not disclosed," and no proprietary features, AI/ML modalities, integrations, or certifications/compliance specifics are available for extraction. The company maintains a public website (proteansurakshaa.in) with a signup flow, a pricing page whose contents were not extractable, and standard legal/policy pages, indicating an active go-to-market posture.

Business-model specifics — pricing tiers, revenue mechanics, customer segments, go-to-market channels, distribution partners, and parent/subsidiary relationships — are not disclosed in the source material. Ownership commentary indicates the Protean name suggests affiliation with the broader Protean group, but no parent-subsidiary relationship, investor base, or funding rounds are documented. The available evidence supports only a structural description of the entity; commercial scale, growth cadence, and unit economics cannot be substantiated from the input.

Name

Protean Account Aggregator Limited (SurakshAA)

Legal name

Protean Account Aggregator Limited

Website

https://proteansurakshaa.in

Company type

Private

Operating status

Operating

Short description

Protean SurakshAA is the consumer-facing brand of Protean Account Aggregator Limited, an India-based entity operating as a regulated Account Aggregator that enables consented financial-data sharing between financial institutions and data-consuming platforms such as lenders and fintechs.

Ownership category

akta.pro rank

Product category

Open Banking Infrastructure / Account Aggregation Platform

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Finance Services (6199)

akta.pro primary industry

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

akta.pro secondary industry

Customer Permissioning & Consent Management (OAuth, scopes, revocation) (FSAGACAC)

Keywords

• Account aggregation services
• Consent based data sharing
• Open finance infrastructure
• Financial data aggregation
• Digital lending enablement

GTM type

B2B

Offering type

Software

Cost components

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

Core offering

Protean Account Aggregator Limited (doing business as Protean SurakshAA) operates an Account Aggregator platform under the Reserve Bank of India's AA framework, providing consent-based financial data aggregation and sharing services between Financial Information Providers (such as banks, NBFCs, and insurers) and Financial Information Users (such as digital lenders, wealth managers, and fintechs). The company enables individuals to digitally consent to the retrieval and sharing of their financial information across participating institutions, supporting use cases such as lending decisions, wealth aggregation, and financial planning. Specific feature-level and pricing details are not disclosed in the available source data.

Product overview

No product information available in the provided source data.

Differentiator

Problem solved

Functional benefit

Products and services

• Protean SurakshAA Account Aggregator Platform RBI-licensed Account Aggregator service that enables individuals to share their financial data across banks, NBFCs, insurers, and other participating institutions on a consent basis. It serves Financial Information Providers (FIPs) and Financial Information Users (FIUs) such as digital lenders, wealth managers, and fintech platforms for use cases including loan origination, credit underwriting, and personal financial management.

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves2 records

Expansion highlights2 records

Broad incumbents

• Yodlee: Established global account-aggregation and data-connectivity platform (now part of Envestnet / Mastercard) with India-relevant financial-data capabilities for banks and lenders. Adjacent incumbent offering similar data plumbing at larger scale.
• Perfios: Large Indian fintech-infrastructure player offering aggregation, AA, underwriting, and KYB rails through affiliates including its AA arm. Overlaps on the AA product while also bundling broader decisioning capabilities competitors don't offer.

Direct peers

• Setu: One of India's most prominent RBI-licensed Account Aggregators and broader data-connectivity platforms, offering the same consent-based financial data-sharing rails that Protean SurakshAA targets. Closest direct peer by licensing scope and product surface.
• Finvu: Long-standing RBI-licensed Indian Account Aggregator serving lending and wealth platforms with consent-based multi-bank data retrieval. Directly comparable on regulatory standing and product scope.
• OneMoney: RBI-licensed Indian Account Aggregator providing multi-bank data and consent workflows to lenders and fintechs. Directly competes for the same FIP/FIU integrations and end-user consent journeys.
• CAMS Finserve: Subsidiary of CAMS operating an RBI-licensed Account Aggregator focused on financial-data sharing for asset management and lending use cases. Same regulatory classification and overlapping customer base of mutual funds, AMCs, and lenders.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Protean Account Aggregator Limited (SurakshAA)