Kontomatik

aid: kontomatik
url: https://raw.githubusercontent.com/api-evangelist/kontomatik/refs/heads/main/apis.yml
apis:
  - aid: kontomatik:kontomatik-ais-api
    name: Kontomatik Account Information Service API
    tags:
      - Open Banking
      - PSD2
      - AIS
      - Bank Data
    humanURL: https://developer.kontomatik.com/docs/
    properties:
      - url: https://developer.kontomatik.com/first-steps/api-overview/
        type: Documentation
      - url: https://developer.kontomatik.com/docs/
        type: Documentation
      - url: openapi/kontomatik-ais-api-openapi.yml
        type: OpenAPI
      - url: json-schema/kontomatik-owner-schema.json
        type: JSONSchema
      - url: json-schema/kontomatik-account-schema.json
        type: JSONSchema
      - url: json-schema/kontomatik-transaction-schema.json
        type: JSONSchema
      - url: json-ld/kontomatik-context.jsonld
        type: JSONLD
    description: >-
      PSD2-regulated Account Information Service for connecting end-user bank accounts across Poland, Czech Republic,
      Spain, Portugal, Romania, Lithuania, Latvia, and Estonia. Supports Single Access (one-time fetch), Multiple Access
      (up to 180-day consent tokens), and Mixed Access. Includes redirection SignIn Flow, background import commands,
      consent revocation, and a KontoBank mock-bank sandbox.
  - aid: kontomatik:kontomatik-pdf-parsing-api
    name: Kontomatik PDF Parsing API
    tags:
      - PDF Parsing
      - Document AI
      - Bank Statements
      - Poland
    humanURL: https://developer.kontomatik.com/docs/
    properties:
      - url: https://developer.kontomatik.com/docs/
        type: Documentation
      - url: openapi/kontomatik-pdf-parsing-api-openapi.yml
        type: OpenAPI
      - url: examples/kontomatik-pdf-statement-example.json
        type: Example
    description: >-
      Extract structured owner, account, and transaction data from Polish bank statement and transaction confirmation
      PDFs. Offers standard mode (rejects on verification failures) and trusted mode (returns data even when
      verification fails), plus a per-owner history endpoint and the PDF coverage catalog.
  - aid: kontomatik:kontomatik-data-analysis-api
    name: Kontomatik Data Analysis API
    tags:
      - Transaction Labeling
      - Credit Scoring
      - Income Verification
      - Profiling
      - Machine Learning
    humanURL: https://developer.kontomatik.com/docs/
    properties:
      - url: https://developer.kontomatik.com/docs/
        type: Documentation
      - url: openapi/kontomatik-data-analysis-api-openapi.yml
        type: OpenAPI
      - url: examples/kontomatik-score-example.json
        type: Example
      - url: json-structure/kontomatik-owner-graph-structure.json
        type: JSONStructure
    description: >-
      ML-powered analytical services on top of imported bank data — transaction labeling, vendor recognition (beta),
      credit scoring with repayment probability, behavioral profiling (beta), owner features, data summaries by
      category, income confirmation across four configurable timespans, external-data labeling for non-bank
      transactions, cross-source aggregation, and owner data deletion.
  - aid: kontomatik:kontomatik-report-api
    name: Kontomatik Report API
    tags:
      - Reporting
      - Beta
      - Bank Data
    humanURL: https://developer.kontomatik.com/docs/
    properties:
      - url: https://developer.kontomatik.com/docs/
        type: Documentation
      - url: openapi/kontomatik-report-api-openapi.yml
        type: OpenAPI
    description: >-
      Create, list, and retrieve shareable Kontomatik Report tokens that bundle imported AIS and PDF data together with
      the analytical outputs into authenticated, time-bound deliverables (beta).
name: Kontomatik
tags:
  - Open Banking
  - PSD2
  - AIS
  - Bank Data Aggregation
  - CEE
  - KYC
  - Credit Scoring
  - Transaction Labeling
  - PDF Parsing
kind: contract
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
access: 3rd-Party
common:
  - url: https://kontomatik.com
    type: Portal
  - url: https://developer.kontomatik.com/
    name: Kontomatik Developer Portal
    type: Documentation
  - url: https://developer.kontomatik.com/docs/
    name: Unified Documentation
    type: Documentation
  - url: https://developer.kontomatik.com/first-steps/
    name: First Steps
    type: GettingStarted
  - url: https://developer.kontomatik.com/first-steps/api-overview/
    name: API Overview
    type: Documentation
  - url: https://developer.kontomatik.com/first-steps/getting-api-access/
    name: Getting API Access
    type: Documentation
  - url: https://developer.kontomatik.com/first-steps/insight/
    name: Insight Client Portal Guide
    type: Documentation
  - url: https://developer.kontomatik.com/user-guides/
    name: User Guides
    type: Documentation
  - url: https://developer.kontomatik.com/faq/
    name: FAQ
    type: Support
  - url: https://insight.kontomatik.com/
    name: Insight Client Portal
    type: SignUp
  - url: https://kontomatik.com/contact
    name: Contact
    type: Support
  - url: https://calendly.com/dominik-wolski-kontomatik/demo-call
    name: Book a Demo
    type: SignUp
  - url: https://www.linkedin.com/company/kontomatik
    type: LinkedIn
  - url: https://github.com/kontomatik
    type: GitHubOrganization
  - url: https://kontomatik.com/blog
    type: Blog
  - url: plans/kontomatik-plans-pricing.yml
    type: Plans
  - url: rate-limits/kontomatik-rate-limits.yml
    type: RateLimits
  - url: finops/kontomatik-finops.yml
    type: FinOps
  - url: vocabulary/kontomatik-vocabulary.yml
    type: Vocabulary
  - url: rules/kontomatik-rules.yml
    type: SpectralRules
  - type: Coverage
    data:
      - country: Poland
        countryCode: PL
        banks: 32
      - country: Spain
        countryCode: ES
        banks: 24
      - country: Portugal
        countryCode: PT
        banks: 22
      - country: Czech Republic
        countryCode: CZ
        banks: 10
      - country: Romania
        countryCode: RO
        banks: 8
      - country: Lithuania
        countryCode: LT
        banks: 6
      - country: Latvia
        countryCode: LV
        banks: 5
      - country: Estonia
        countryCode: EE
        banks: 5
  - type: Features
    data:
      - PSD2-regulated Account Information Service (AIS) with Single, Multiple, and Mixed access modes
      - Multiple Access consent tokens reusable for up to 180 days
      - Redirection and Widget-based SignIn Flow
      - KontoBank mock bank for sandbox testing
      - PDF statement and confirmation parsing for Polish banks (standard and trusted modes)
      - Owner Upload endpoint for blending external financial data
      - Transaction labeling, vendor recognition (beta), and external-data labeling
      - ML credit scoring with repayment probability and explanations
      - Behavioral profiling (beta) and owner-feature extraction
      - Data summaries per category / account and income confirmation across four configurable timespans
      - Kontomatik Report (beta) — authenticated, time-bound shareable reports
      - Insight client portal with role-based access, 2FA, IP whitelisting, API key issuance, and usage statistics
      - ISO 27001 certified information security management
      - GDPR-compliant data handling with 24-hour default retention
      - >-
        Coverage across 8 CEE / Iberian markets — Poland, Czech Republic, Spain, Portugal, Romania, Lithuania, Latvia,
        Estonia
      - 150+ live customers across financial services, e-commerce, real estate, accounting, and leasing
    sources:
      - https://kontomatik.com
      - https://developer.kontomatik.com/
      - https://developer.kontomatik.com/docs/
      - https://developer.kontomatik.com/first-steps/api-overview/
      - https://developer.kontomatik.com/first-steps/insight/
    updated: '2026-05-25'
  - type: Office
    data:
      - name: Warsaw HQ
        entity: Kontomatik sp. z o.o.
        address: Bonifraterska 17, 00-203 Warsaw, Poland
        krs: '0000338706'
        vatId: PL5213542911
      - name: Vilnius
        entity: Kontomatik UAB
        address: Didžioji 18, LT-01128 Vilnius, Lithuania
        registerNumber: '304852516'
  - type: Email
    data:
      - label: General
        email: contact@kontomatik.com
      - label: Sales
        email: sales@kontomatik.com
      - label: Support
        email: support@kontomatik.com
      - label: Compliance
        email: compliance@kontomatik.com
      - label: PR
        email: pr@kontomatik.com
  - type: Compliance
    data:
      - ISO 27001 certified
      - PSD2 licensed AIS provider
      - GDPR compliant
created: '2026-05-25T00:00:00.000Z'
modified: '2026-05-25'
position: Consuming
description: >-
  Kontomatik is a Warsaw- and Vilnius-based PSD2-licensed open banking provider delivering bank data aggregation, KYC,
  credit scoring, income verification, transaction labeling, and PDF statement parsing across Central and Eastern Europe
  (Poland, Czech Republic, Romania, Lithuania, Latvia, Estonia) and Iberia (Spain, Portugal). The platform combines an
  Account Information Service (AIS) with Single, Multiple, and Mixed access modes, Polish-bank PDF parsing in standard
  and trusted modes, and an analytical stack (labeling, vendor recognition, scoring, profiling, data summary, income
  confirmation) plus the Kontomatik Report. Operations are managed through the Insight client portal with API-key
  issuance, IP whitelisting, role-based access, and 2FA.
maintainers:
  - FN: Kin Lane
    email: info@apievangelist.com
    X: apievangelist
    url: https://apievangelist.com
specificationVersion: '0.16'