From premium collection to claim payouts, account verification to risk assessment — speed up insurance flows with one API.
Lower card fees with account-to-account payments and remove chargebacks.
Pay claims to the right account; block fraud with name–IBAN matching.
Pay the insured in seconds, 24/7, and boost satisfaction.
Speed up underwriting with consented, data-driven account insights.
It is used to automate premium collection, pay claims instantly to the account, verify account/IBAN, and strengthen risk assessment with income/expense data.
With direct debit (DBS) and payment initiation, premiums are collected automatically and regularly from the policyholder's account; failed collections are retried.
Yes. With payment initiation, the claim amount is sent instantly to the verified account via FAST, improving customer satisfaction.
Yes. Before paying, you verify the account belongs to the policyholder, reducing wrong-account payments and fraud risk.
A licensed partner holds the open-banking roles; Kobaküs provides the infrastructure and holds no funds. We structure the right model together.
Yes. Access is based on FAPI/OAuth/mTLS standards and is KVKK-compliant; data is processed only within consent.
Start with a free demo account or book a call tailored to your model.
