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SECURITY & COMPLIANCE

Bank-grade security, full regulatory compliance

The Kobaküs open banking infrastructure is built with end-to-end encryption, consent-based access and auditable trails. You focus on your product; we lighten the compliance load.

THE INFRASTRUCTURE LAYER

Infrastructure that makes compliance easier

Kobaküs is the secure technical bridge between you and the banks. We manage all bank connectivity, security and operations; you integrate compliantly through one API.

SECURITY ARCHITECTURE

Security at every layer

End-to-end encryption

TLS 1.2+/1.3 in transit, AES-256 at rest. Sensitive data protected with additional keys.

Consent-based access

Every query is bound to user consent; scope, duration and revocation are explicit.

Auditable trails

All actions kept with signed logs; audit and dispute resolution made easy.

Anti-fraud & monitoring

Name–IBAN checks, anomaly detection and 24/7 monitoring block risky transactions.

Access control

Role-based authorization, API key management and least-privilege by default.

Continuity & SLA

High-availability architecture, redundancy and an SLA commitment for enterprise plans.

CERTIFICATIONS & REGULATION

Aligned with recognised standards

KVKKPersonal data protection compliance
EncryptionEnd-to-end, bank-grade
AuditabilityEvery access consent-based and traceable
ISO 27001Information security management
KVKK GDPR uyumlu Veri yerleşimi: Türkiye Veri minimizasyonu

Contact our security team for certification scopes and audit reports.

DATA & PRIVACY

Your data stays yours

  • No data sharing without user consent

    Access only with explicit, scoped and revocable consent.

  • Data minimisation

    We process only what the transaction needs; no unnecessary storage.

  • Transparent processors & DPA

    A DPA and sub-processor list make your compliance simpler.

Privacy Policy
Consent managementActive
Account information90 days · 3 banks
Payment initiationOne-time
Revoke consentOne tap, instantANYTIME

Review security with your team.

Talk to our experts about security architecture, certification scopes and the DPA.