Banking API — Proptech
Instant Rental Bond and Deposit Verification
Verify tenants have funds for rental bond and deposit. Reduce payment delays and verify genuine savings before lease signing.
Landlords lose time when tenants can't pay bond at lease signing. Fiskil verifies tenants have sufficient funds available before approval, preventing delays.
The Challenge
Approved tenants delay move-in or fail to pay bond, creating lost rental income and wasted processing time.
The Solution
Verify tenant has sufficient funds for bond and advance rent before approving application.
Capabilities
How Fiskil Helps
Balance Verification
Confirm tenant has sufficient funds in account for bond payment.
Fund Source Verification
Verify funds are genuine savings, not borrowed or gift money.
Multiple Account Checking
Check across multiple accounts to find total available funds.
Payment Capability
Verify tenant can afford bond plus first month's rent simultaneously.
Implementation
How It Works
Tenant Applies
Tenant applies for rental and authorizes banking access.
Verify Available Funds
API checks account balances to verify sufficient funds for bond and rent.
Confirm Fund Source
System verifies funds accumulated through savings, not borrowed.
Approve with Confidence
Landlord approves knowing tenant can pay bond immediately.
In Practice
How Teams Use This
Property Management Company
A property manager verifies bond funds before approving applications.
Eliminated bond payment delays, reducing average vacancy period by 8 days.
Student Housing Provider
A student accommodation provider verifies international students have funds.
Reduced no-shows at move-in from 12% to less than 1%.
Corporate Rental Platform
A corporate housing platform verifies relocating employees have deposit funds.
Streamlined corporate relocations with guaranteed move-in date compliance.
Technical Details
What You Integrate With
API endpoints
POST /rental/verify-depositGET /accounts/{accountId}/available-balanceGET /rental/fund-source-analysisPOST /rental/payment-capability
Data returned
Account balances
Available funds
Fund source indicators
Savings history
Borrowed funds flags
Payment capability score
Authorisation
OAuth 2.0 / CDR consent
Real-time data access.
Ready to get started?
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FAQs
Related Use Cases
Fintech
Balance Checking
Verify account balances in real-time before processing transactions. Prevent failed payments and NSF fees with instant balance checks across Australian banks.
Lending
Fraud Detection
Detect fraudulent loan applications using real-time banking data analysis. Identify suspicious patterns, synthetic identities, and application fraud before approving loans.
Proptech
Rental Application Verification
Verify tenant income and rent payment history instantly from banking data. Reduce rental fraud and speed up tenant approval with automated verification.
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