AI · alternatives · 2026
24 alternatives to Open Banking & APIs Explained
The complete guide to Open Banking, APIs & BaaS
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.
- 1
Tracking +130 open banking and PSD2 APIs
2019 · openbankingtracker.com · its alternatives →
- 2
Perform banking functions on top of corporate accounts
2021 · its alternatives →
- 3
Teller API▲308A single API to connect your app with any bank's account
2017 · teller.io · its alternatives →
- 4
Open SaaS▲505Open-source & 100% free React & Node.js SaaS starter
2024 · github.com · its alternatives →
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Ray▲298I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.
Apr 2026 · rayfinance.app · its alternatives →
- 8
Tilisy API▲71Free access to European bank accounts for developers
2020 · enablebanking.com · its alternatives →
- 9
TrueLayer▲183Simple Bank APIs to access real-time financial data
2017 · truelayer.com · its alternatives →
- 10
An open-source platform for banks
2014 · openbankproject.com · its alternatives →
- 11AA
Hey everyone! I'm Rob and I want to share what I've built - a solid ledger behind simple API: https://decimals.app The ledger is a key piece of any financial system and is easy to get the design wrong, resulting in troubles for making sure money movements are adding up. I took a lot of inspiration from good designs from Square, Uber, and others for the scalability and security aspects. And on the usability side, I applied many concepts from the Ledger CLI, making it very easy to use. I'm really happy I get to show this to you all, thank you for reading about it! Please let me know…
2020 · its alternatives →
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Customizable SaaS financial plan model
2016 · christophjanz.blogspot.com · its alternatives →
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Open-source dev guide for Brazil's Open Finance
May 2026 · juspay.io · its alternatives →
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How to use open APIs to implement Bank Regulations
2017 · podbean.com · its alternatives →
- 20
AI chatbot trained on Brazil's Central Bank regulations
May 2026 · cumbuca.com · its alternatives →
- 21
Embedded payments built by software founders, for software builders
2012 · getfwd.com · its alternatives →
- 22
Real-time data aggregation and asset transfer for fintech
2022 · meshpay.com · its alternatives →
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- 24
I built this as a personal open-source project to explore how EU AI Act requirements can be translated into concrete, inspectable technical checks. The core idea is local-first compliance: – risk classification (Articles 5–15, incl. prohibited use cases) – bias evaluation using CrowS-Pairs – automatic Annex IV–oriented PDF reports – no cloud services or external APIs (browser-based + Ollama) I’m especially interested in feedback on whether this kind of technical framing of AI regulation makes sense in real-world projects.
Jan 2026 · github.com · its alternatives →
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Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →