Very meta-meta-ish. Exciting, but also a lot of dependencies. Good luck!

Sorry, those two statements are in contradiction. Which one is true?

On a more opinionated front, consumer "credit" risk specifically based on personal deposit account balances and transactions is an insanely privacy violating and unregulated (generally) offering. Business is different. Why even go consumer?

Over the past few years a lot of consumer apps have started using bank data to determine credit risk for customers. From our experience this is generally accepted by consumers, as credit data does not provide the full picture. For example, I am originally from the UK and after moving to the US, I had no credit history so it was generally hard for me to use any service that could not determine risk based on cash flow.

We also offer Business Risk Report.

My priorities are privacy first then wider coverage for bank accounts. I'd rather some consumers are blocked form accessing the service than having their transaction data getting leaked to intermediaries.

I wouldn't expect this use case to be filled by a business. It's just not a good market to go after unless you like picking up pennies.

I don't use any product that forces me to use Plaid because they copy my transaction info. If anyone knows of aggregators that respect privacy please share them, AFAIK there are none.

So if our customers want to use another service or build it out themselves in house at a later date, they can always get all the original tokens.

We've also seen some of our customers use this endpoint to get access to original tokens and use it to make a request that we don't support yet via the original aggregator.

We also partner with some of the aggregators, so if you wanted to combine your existing one with a new one, we can help you setup the contract with no effort on your end.

Our unified endpoints are also backward compatible, so if you pass in an aggregator access token instead of a Fuse access token it'll work as expected.

Happy to answer any other questions you have

In regards to coverage in the UK, we currently support Truelayer and we are building out a Tink and SaltEdge integration. They'll be available early next month.

Here's a list of all the aggregators we support and their institutions: https://fuseconnect.canny.io/

By region, I’m interested what you cover in Australia.

You can find the other aggregators we've unified here: https://fuseconnect.canny.io/

but I immediately received an error:

  Message blocked
  Your message to catchall@ysplit.com has been blocked. See 
  technical details below for more information.

  Message bounced due to organizational settings.

Here's an example webhook: { type: 'transactions.updates', financial_connection_id: "financial_connection_id", environment: "sandbox", source: "teller", //Boolean indicating whether historical transaction information (up to 24 months) is ready to be queried. historical_transactions_available: true, //An array of string transaction ids indicated the transactions that have been removed and will not be available if the transactions are queried again. Currently only supported by plaid removed_transaction_ids: [ "tx_1234", "tx_5677" ] remote_data: {} }