Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Founded in 1863, Ziraat Bank is Türkiye's oldest state-owned bank with the country's broadest branch network, serving a vast retail, corporate and agricultural-finance customer base. That reach makes Ziraat accounts a critical data source for fintech and enterprise applications.
Kobaküs connects to Ziraat Bank accounts under the TCMB open banking framework with the customer's explicit consent. One API securely reads balances and transaction history, categorises the data and streams it into your application. Thanks to Ziraat's large retail base, coverage is high for scenarios such as income verification, SME and agri-loan scoring, PFM and accounting automation.
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 | Ziraat Bank · 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 |
You integrate with Kobaküs' single API; the user selects Ziraat and approves on the bank's own secure screen. Credentials are never shared with you; Kobaküs only reads the permitted account data.
Yes. While the customer consent is valid, you can regularly pull balances and transaction history and display them categorised in your app.
No. You integrate once with Kobaküs and reach all supported banks — including Ziraat — through the same API. No per-bank technical integration is required.
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