Sthira Open Banking Platform

Sthira's Open Banking Platform delivers secure, consent-driven APIs that empower banks, fintechs, and third-party developers to build modern, data-driven financial solutions. We support a modular plug-and-play model across banking, payments, wealth, insurance, supply chain, and risk compliance.

🧩 Core Functional Modules

Our comprehensive platform offers a suite of powerful modules designed to revolutionize open banking. Each module is engineered with security, compliance, and developer experience at its core.

🔐

Account Management

Simplify digital onboarding and user lifecycle operations.

Create, update, retrieve, and deactivate accounts
Role-based access control & profile management

👤 Settings/User Card

💸

Payment Integration

Facilitate seamless payments across channels.

APIs for UPI, NEFT, bill pay, direct debit
Payment initiation, authorization, and settlement

💳 Transfer Arrows

📊

Wealth Management

Deliver intelligent financial planning tools.

Portfolio aggregation, investment APIs
Risk profiling, personalized insights

📈 Chart + Hand

📦

Supply Chain Finance

Digitize and fund your supply chain operations.

Invoice financing, vendor onboarding
Buyer-supplier credit visibility

🔗 Chain with Currency

⚖️

Risk & Compliance

Stay ahead of regulations with real-time monitoring.

Fraud detection, AML/KYC checks
Consent logs and audit trail

🛡️ Shield with Checkmark

🛡️

Insurance APIs

Enable embedded insurance experiences.

Policy creation, premium management, claim APIs
Agent/broker onboarding, digital KYC

Use Cases:

Health, motor, travel, life insurance integrations

Icon: 🏥 Shield with Heart or Document with Umbrella

🏦

Credit Management

Power smarter lending with data and automation.

Credit score fetch, risk-based lending APIs
Loan eligibility, disbursement & repayment integration
Integrate with bureaus and alternate data sources

💼 Loan File or ₹ with Score Meter

🧾 Account Management API Functions

🔍 Fetch Account Details	Retrieve a single user's account	👤🔎
📂 Fetch Multiple Accounts	Fetch accounts in bulk	📁📥
🔎 Search Accounts by Criteria	Filter accounts dynamically	🔍📋
➕ Create New Account	Add user with roles and access control	➕👤
✏️ Update Existing Account	Modify user profile or permissions	✏️🧾
🚫 Deactivate Account	Temporarily disable user access	🔒👤

🌟 Why Sthira?

🔐	Security-First Design	End-to-end encryption, tokenized access
⚙️	Modular API Integration	Easily plug into existing systems
📱	Developer Sandbox	Simulate calls in a safe environment
🔄	Scalable & Real-Time	Built for modern, high-volume environments
✅	Regulatory Ready	Built-in consent + audit compliance

Open Banking Platform Architecture