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FINANCIAL AI · OPEN BANKING

Your money now has a brain.

KobAI, Kobaküs's financial AI, analyses data flowing from 3000+ banks; it forecasts your cash flow and spots risk before you do.

Infrastructure that doesn't watch — it thinks.

An AI layer is coming on top of open banking: robots that forecast, alert and post accounting entries on their own.

The future-seeing finance panel is coming.

KobAI will watch all your banks 24/7 — flagging cash gaps weeks ahead and reconciling on its own.

KobAI · Financial AI · Coming Soon

Be among the first to try KobAI — launch priority is yours.

KVKK compliant Bank-grade security · 2-minute integration

One connection to 3000+ banks across Türkiye, Europe & MENA

3000+
Integrated banks
$15b+
Monthly volume
35k+
Active customers
2dk
Top-up time
PRODUCTS

One platform, complete open banking

Every service you need — from account data to payment acceptance — over one API.

Account Information

Securely access financial data from your bank accounts.

  • Identity & account info
  • Account & card transactions
  • Real-time balances
  • Historical statements

Payment Initiation

Start accepting payments straight to your bank account.

  • Instant A2A payments
  • Low commission
  • Bank security & logs
  • Simple integration

Virtual POS

Your Virtual POS is ready next day with the best rates.

  • Next-day settlement
  • Installment sales
  • Pay-by-link & Mobile POS
  • Best commission rates
EASY SETUP

Plug-and-play with a single API

Kobaküs manages all bank operations. Connect to every bank in minutes — securely — with zero operational overhead.

1
Get your API key

Start in seconds with a free demo account.

2
Integrate one endpoint

One standard for 3000 banks — no separate integrations.

3
Go live

Pull account data, initiate payments, ship to production.

POST /v1/payments sending…
# Ödeme tetikle — tek istekcurl https://api.kobakus.com/v1/payments \  -H "Authorization: Bearer kb_live_•••" \  -d '{    "bank": "garanti",    "amount": 1500.00,    "currency": "TRY",    "type": "instant"  }' # 200 OK{ "status": "settled", "id": "pay_9f2…" }
WHY KOBAKÜS

The unique benefits of Kobaküs

Build your own open banking app with 3000+ APIs and offer new services to your customers.

Low-cost payments

Real-time account-to-account payments at lower transaction fees.

Seamless bank connectivity

Reach 3000 banks to view transactions and make payments.

Full regulatory compliance

Create new opportunities with compliant AIS & PIS.

Anti-fraud system

Verify directly with the bank; save 0.5–1% in revenue.

Bank-grade security

Consent-based, bank-grade secure access; every request encrypted and auditable.

White label

Build and ship open banking apps under your own brand.

USE CASES

Smarter financial services for every sector

CAPABILITIES

Every capability you need, on one platform

From account data to payments, anti-fraud to analytics — explore by tab.

Read account data securely

Access identity, balance and transaction data from 3000+ banks — real-time and compliant.

  • Identity & account verification
  • Live balance & transactions
  • Historical statements

Instant account-to-account payments

Cut out the card; your customer approves in their bank and money lands instantly.

  • 24/7 collection over instant rails
  • Low fees, zero chargebacks
  • Bank-grade verification

Get paid by next day

Apply at the best rates; pay-by-link, installments and mobile POS in one panel.

  • Pay by link
  • Installment sales
  • Mobile POS

Stop fraud at the source

Verify directly with the bank and block fake accounts with name–IBAN matching.

  • Name–IBAN matching
  • Account ownership checks
  • 0.5–1% revenue saved

Turn data into decisions

Manage finance with a consolidated cash view, categorised transactions and live reports.

  • Multi-bank consolidation
  • Transaction categorisation
  • Automated reconciliation
RESULTS

What brands achieve with Kobaküs

%40
Up to lower transaction cost

“Account-to-account payments cut our card fees significantly.”

E-Commerce
2dk
Average top-up time

“Users fund their wallet in minutes; abandonment dropped.”

E-Money
%99,9
Reconciliation accuracy

“All our accounts in one panel; month-end close takes minutes, not hours.”

Business Finance

Illustrative value examples; real customer case studies coming soon.

AWARDS & COMPLIANCE

Award-winning, fully compliant

BigBang Final’18Best Fintech Startup · İTÜ Çekirdek
Webrazzi Summit ’18Most Promising Startup
Money 20/20 ’19Amsterdam Finalist
RESOURCES

Explore, learn, build

REQUEST A DEMO

See open banking inside your own product.

Leave your details; our team will get back with a tailored demo and quote.

2-minute integration, free sandbox
3000+ banks, one API
KVKK-compliant data security
10 years of infrastructure experience
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Your data is protected under KVKK and never shared with third parties.

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