# Banking — Solution

> Apinizer for banks — audit at the persistence layer, encrypted secrets, three-tier access, and compliance with BDDK, PSD2, and PCI-DSS. Trusted by Aktif Bank.

*Solutions · Banking*

## API governance for the APIs that touch payments and identity.

Apinizer's audit trail, encrypted secret fields, and three-tier permission model fit naturally into the controls auditors expect. The same gateway runs your core banking integrations and your AI traffic.

[Request a demo](https://calendly.com/apinizer/15min) · [Read the docs](https://apinizer.com/developers/docs)

> Trusted by Aktif Bank.

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## What this solves

### Auditor-grade evidence

Regulators want a chain of custody. Apinizer enforces audit at the Spring Repository layer — bypass is rejected at the framework level, not by convention.

### Secrets that never leak

@SecretData fields encrypted before persistence and decrypted only when the runtime needs them. Standardized BadRequestAlertException for failures.

### Open Banking and PSD2 readiness

OAuth2 with all major flows, OIDC, JWT, and mTLS — the standards Open Banking already runs on. PSD2-compatible authentication patterns out of the box.

### Real-time fraud and anomaly detection

EMA + Bollinger Bands, ratio analysis, and Elasticsearch-backed custom rules in the Monitoring component. Not a separate fraud platform — same plane.

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## Compliance

- **BDDK** — Turkish banking regulator alignment
- **PSD2** — Strong customer authentication
- **PCI-DSS** — Cardholder data protection patterns
- **KVKK** — Personal data protection compliance
- **GDPR** — EU data protection alignment
- **ISO 27001** — Information security management

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## Customer story

**Aktif Bank** — Banking

> Apinizer's audit and permission model fit the controls our auditors expect — without a custom framework on top.

**Outcome:** Centralized API platform, federated identity, audit at the persistence layer.

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## Recommended modules

- [API Gateway](https://apinizer.com/products/api-gateway) — Multi-protocol gateway with audit, encryption, and three-tier permissions on every request.
- [Identity Manager](https://apinizer.com/products/identity-manager) — OAuth2, OIDC, JWT, mTLS — and federation with the directories your bank already runs.
- [Monitoring](https://apinizer.com/products/monitoring) — Anomaly detection on transaction patterns with EMA + Bollinger Bands.
- [AI Gateway](https://apinizer.com/products/ai-gateway) — Govern LLM and agent traffic under the same audit and permission controls.

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## Resources

- [Banking architecture guide](https://apinizer.com/developers/docs) — How Apinizer fits next to core banking and Open Banking surfaces.
- [Identity in regulated banking](https://apinizer.com/products/identity-manager) — OAuth2 / OIDC / mTLS configurations that satisfy auditors.
- [Architecture overview](https://apinizer.com/products) — Manager, Gateway, AI Gateway, and the audit plane.

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## Next step

*Bank-grade governance*

**Govern every API on your terms.**

A 30-minute walkthrough — audit, encryption, permissions, and AI Gateway — on a Kubernetes cluster of your choice.

[Book a Demo](https://calendly.com/apinizer/15min) · [Read the docs](https://apinizer.com/developers/docs)

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## Links

- Products: https://apinizer.com/products
- AI Gateway: https://apinizer.com/products/ai-gateway
- Solutions: https://apinizer.com/solutions
- Pricing: https://apinizer.com/pricing
- Developers: https://apinizer.com/developers
- Documentation: https://docs.apinizer.com/index-en
- Blog: https://apinizer.com/blog
- Contact: https://apinizer.com/company/contact

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