Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Founded in 1944 as Türkiye's first nationwide retail bank, Yapı Kredi is a large private bank notable for its broad credit-card and retail base.
Kobaküs connects to Yapı Kredi accounts via one API with explicit consent. Balances and transaction history are read and categorised for spending analysis, PFM, subscription detection and income verification. Yapı Kredi's card-heavy base provides rich data for spending-insight products.
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 | Yapı Kredi · 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. Recurring payments can be detected in the categorised transaction flow to build subscription-management and spending-insight products.
Data can be refreshed regularly for the duration of the consent the customer granted. When consent expires, re-approval is requested from the user.
Yes. Kobaküs delivers all connected banks in one standard schema; you can combine Yapı Kredi and others into a single unified financial view.
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