Fintecture is a licensed payment institution that offers a secure and scalable payment application interface gateway, connecting businesses to banks through open banking. The company's gateway allows businesses to collect payments directly from their customer's bank accounts, while managing the technical and regulatory aspects of open banking. Fintecture's API connects different kinds of businesses to banks, enabling the initiation of transactions and access to customer account data. The company's value proposition is to take care of the technical and regulatory hassle, allowing customers to focus on growing their business. Fintecture serves a large range of clients across the EU, including fintech startups, corporates, account aggregators, merchants, insurances, and payment institutions, for different use cases such as instant payments, KYC, soft credit check, online financing, robot-advisor, and crowd-funding platforms.