Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Founded in 2016, Vakıf Katılım is a state-owned participation bank serving retail and corporate customers with interest-free banking products.
Kobaküs connects to Vakıf Katılım accounts via one API with explicit consent, securely reading and categorising balance and transaction data. It completes coverage in PFM, income-verification and pre-accounting scenarios aimed at the interest-free-product audience.
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Categorise transactions to offer budgeting, spending analysis and subscription detection.
Derive cash flow from transaction data and use it as input in alternative credit scoring.
Stream bank transactions into accounting/ERP for automatic reconciliation.
| Capability | Vakıf Katılım · Kobaküs |
|---|---|
| Account information (AIS) | ✓ Live — balance + transaction read |
| Payment initiation (PIS) | On roadmap / via Virtual POS |
| Single-API access | ✓ Yes |
| Standard data schema | ✓ Yes — same across banks |
| TCMB framework & KVKK | ✓ Compliant |
Yes. With customer consent, balance and transaction data of Vakıf Katılım accounts can be read through Kobaküs and is delivered in the same schema as other banks.
The user selects the bank and consents on Vakıf Katılım's secure screen; no credentials are shared, and only permitted data is accessed.
No. One Kobaküs integration is enough; no per-bank technical setup or agreement is required.
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