Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Founded in 2015, Ziraat Katılım is the Ziraat group's state-owned participation bank, reaching a broad customer base with interest-free banking products.
Kobaküs connects to Ziraat Katılım accounts via one API with explicit consent, securely reading balances and transaction history. It broadens coverage in PFM, income verification, SME cash-flow and pre-accounting products for the participation-banking 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 | Ziraat 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 |
They are two separate legal banks, but both are reached through the single Kobaküs API; the user selects the correct bank from the list and data arrives in the same standard schema.
Yes. With user consent you can categorise the transaction flow and use it in your cash-flow and budgeting products.
Access is within the TCMB open banking framework and the customer's explicit consent, processed in line with KVKK principles.
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