Shivacha Banking API
Secure, versioned banking APIs over any core — with sandbox and developer portal.
Open requests
Tracked
Documents
Secure vault
SSO
Enabled
Overview
A banking API layer exposing accounts, payments, cards and customer data to channels, partners and fintechs — with OAuth 2.0, consent, webhooks, sandbox and a developer portal.
The problem
Banks struggle to expose capabilities to partners and new channels because legacy cores lack modern APIs, and every integration becomes a bespoke project.
The solution
Shivacha Banking API adds a modern API layer over your core and product systems, with security, consent, idempotent payments and developer experience built in — turning banking capabilities into a platform.
Feature modules
What's inside
Account APIs
Balances, transactions and account details.
Payment APIs
Idempotent initiation, status and cancellation.
Card APIs
Card controls and status for partners.
Consent management
Capture, renewal and revocation.
Webhooks
Signed, retried event notifications.
Developer portal
Docs, sandbox keys and onboarding.
Product preview
Designed for operators and end users.
- OAuth 2.0 and mTLS
- Consent management
- Idempotent payment endpoints
- Realistic sandbox
- API analytics
- Rate limiting and quotas
- Core system adapters
- Standards-aligned open banking endpoints
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- Core banking systems
- Payment hubs
- Card management systems
- Identity providers
- API gateways
Security
- Double-entry ledger with immutable journal
- Maker-checker controls for sensitive operations
- Encryption, tokenisation and secrets management
- Strong customer authentication and device binding
- Comprehensive audit trails
- Architecture aligned with PCI DSS where card data is involved
Deployment
- Your cloud account in your chosen region
- Dedicated single-tenant deployment
- Private cloud / on-premises Kubernetes
- Managed deployment with operational support
Customisation
- White-label mobile and web apps
- Product, fee and limit configuration
- Partner and provider adapters
- Custom workflows and back-office tools
- Reporting and data exports
Use cases
Who launches with it
- Partner bankingFintechs integrating with the bank.
- Open bankingStandardised APIs where required.
- Channel enablementNew apps using shared APIs.
- BaaS offeringBanking capabilities for non-banks.
See it in action
Request a tailored demo for your use case.
Demos are tailored to your markets, partners and integration requirements.
Custom engineering
Extend it with our services
Banking API Development
Banking APIs for accounts, payments, cards and data — secure, versioned and documented for partners and internal teams.
Learn moreOpen Banking Development
Open banking integrations and platforms — account information, payment initiation, consent management and data analytics.
Learn moreBanking-as-a-Service Platform
BaaS platforms for banks and program managers — multi-tenant APIs, program management, compliance tooling and partner onboarding.
Learn moreRelated products
Works well with
Shivacha Digital Bank
A configurable digital banking platform for banks and licensed partners.
Learn moreShivacha Neobank
Launch a mobile-first neobank on a platform built to scale.
Learn moreShivacha Payment Orchestration
Route every payment to the best provider — and fail over automatically.
Learn moreLearn more
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
Can the API layer sit over a legacy core?
Yes, with adapters, caching and event capture.
Is there a sandbox?
Yes, with realistic mock data and test scenarios.
Does it support open banking standards?
It supports standards-aligned endpoints; regional specifics are configured per market.
Request a product demo.
See how Shivacha Banking API fits your business, and how we would customise and deploy it.