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.

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Trusted by Aktif Bank.

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.

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

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.

Recommended modules

API Gateway — Multi-protocol gateway with audit, encryption, and three-tier permissions on every request.
Identity Manager — OAuth2, OIDC, JWT, mTLS — and federation with the directories your bank already runs.
Monitoring — Anomaly detection on transaction patterns with EMA + Bollinger Bands.
AI Gateway — Govern LLM and agent traffic under the same audit and permission controls.

Resources

Banking architecture guide — How Apinizer fits next to core banking and Open Banking surfaces.
Identity in regulated banking — OAuth2 / OIDC / mTLS configurations that satisfy auditors.
Architecture overview — Manager, Gateway, AI Gateway, and the audit plane.

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 · Read the docs