# Fiskil

> Fiskil is a secure, SOC 2 Type 2-certified open banking and open data platform that enables businesses to access consumer banking and energy data through CDR-compliant APIs with FAPI 2.0 authorisation.

## What Fiskil Does

Fiskil provides three core products for open data:

1. **Banking API** - Access accounts, transactions, balances, income data, and liabilities from 100+ Australian financial institutions under the Consumer Data Right (CDR). Used for loan assessments, income verification, KYC, and personal financial management.

2. **Energy API** - Access real-time energy usage, billing history, tariff information, and account data from Australian energy providers under the CDR. Used for energy comparison, smart home integration, and usage optimisation.

3. **Data Provider** - A managed SaaS platform for organisations designated as CDR data holders (banks, energy retailers, non-bank lenders) to meet their data sharing obligations. Includes consent management, complex account support, FAPI 2.0 authorisation, and regulatory reporting.

4. **Product Portal** - A CDR Product Reference Data management portal for publishing, updating, and maintaining banking product data with multi-brand support, approval workflows, and audit trails.

## Key Facts

- **Headquarters**: Australia
- **Certifications**: SOC 2 Type 2, ASAE3150 Type 2
- **Security**: FAPI 2.0 compliant authorisation, encrypted data transfer, DDoS protection
- **Coverage**: 100+ Australian financial institutions, all major banks (CBA, NAB, Westpac, ANZ)
- **Compliance**: Aligned with Consumer Data Standards (Australia), exploring EU Data Act and Open Finance frameworks globally
- **Integration**: Developer-first SDKs, sandbox environments, typical integration in 6-8 weeks

## Who Uses Fiskil

- Banks and financial institutions (data holder compliance)
- Fintechs and lenders (open banking data access)
- Energy retailers (CDR data holder obligations)
- Non-bank lenders (credit assessments, income verification)
- Insurance providers (risk assessment, account verification)
- Accounting platforms (transaction data integration)

## Links

- Website: https://www.fiskil.com
- Banking API: https://www.fiskil.com/product/banking-api
- Energy API: https://www.fiskil.com/product/energy-api
- Data Provider: https://www.fiskil.com/product/data-provider
- Product Portal: https://www.fiskil.com/product/product-portal
- Blog: https://blog.fiskil.com
- Documentation: https://docs.fiskil.com