Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Founded in 1954, VakıfBank is one of Türkiye's large state-owned banks, with a strong retail and corporate base widely used across salary, loan and SME segments.
Kobaküs connects to VakıfBank accounts via one API with explicit consent, securely reading balances and transaction history. VakıfBank's broad base improves coverage for salary/income verification, PFM, pre-accounting and reconciliation scenarios.
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 | VakıfBank · 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 the user's consent you can read regular salary inflows on the VakıfBank account and use them in your income-verification flow.
After you build and test in the Kobaküs sandbox, production access is enabled. Since there is no per-bank integration, all banks — including VakıfBank — become available at once.
Account information (AIS) is live today. For payments, you can evaluate Kobaküs' payment-initiation roadmap and Virtual POS / card-acceptance options together.
Explore our open banking infrastructure in a free sandbox.