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Stay up to date with the latest happenings at Quiltt

Blog

The Model Is the Commodity. The Pipe Isn't.

Frontier AI models have converged. Two teams, same API, same compute. The only variable left is what data they feed it. This post makes the case that the real competitive moat in AI-powered financial services isn't the model. It's the data pipeline: the connections, normalization, enrichment, and licensing agreements that determine whether a model has something worth reasoning over in the first place.

Blog

Why Top Personal Finance Apps Made This Infra Choice

Single-aggregator feels like the obvious starting point. The docs are clean, the integration is fast, and coverage looks solid until your first users try to link a bank you can't reach. It turns out that multi-aggregator orchestration should be a day-one decision. Here's what it actually takes to get your data architecture right without staffing an entire infrastructure team.

Blog

What 1,000+ Fintech Builders Are Teaching Us

We hear from early-stage fintech teams every week. These builders are trying to ship innovative apps that require navigating the complex world of financial data. We've seen a shift in how these builders think about launching; here's what stands out to us now.

Blog

One Integration, One Attack Surface | Quiltt

Quiltt's SOC 2 Type 2 certification, AES-256 encryption, and single-integration model mean fewer credentials to defend and one audit boundary instead of five.

Blog

7 Reasons Your Customers Can’t Connect Their Bank Account

Token expiry, institution outages, rate limits, stale states: bank connection failures aren't random. Here's what causes each one and how multi-aggregator routing fixes it.

Industry

Teller Is Shutting Down: How to Migrate Safely

If you depend on the Teller API, you need a new connection layer fast, and you need one that won't put you right back here again.

Industry

The Rise of the Super Aggregator

Super aggregators simplify fintech data access, unifying multiple sources for seamless integration. They enhance data quality, offer value-added services, and empower businesses to leverage open banking.

Company News

SOC 2 Once Proves Our Controls. Twice Proves They Hold.

Last year, we announced Quiltt's first SOC 2 Type 2 certification. At the time, we called it a milestone. And it was. But one year of clean controls tells only part of the story.

Blog

Top 5 Questions Every New Fintech Founder Asks

The five questions new fintech founders ask most — about aggregators, coverage, and migrating later in their lifecycle.

Blog

Cracking The B2B Open Banking Gap

The gap in open banking between B2B and B2C fintech makes logical sense. Business banking connectivity relies on many smaller institutions rather than fewer, large banks used by so many consumers. Here’s what has to change before treasury, bookkeeping, and cash-flow underwriting can enjoy consumer-level support.

Company News

Quiltt Raises $2.6M to Fix Open Banking

Today, we’re excited to announce the close of our $2.6m priced seed equity round led by NVP Capital, with participation from Mastercard, K Street Capital, Mintaka, Abstraction Capital, and others.

Open Banking

What Are Payment Rails? Types, Costs & Speed

Find out how payment rails work, why they matter, and how a payment rails API can improve your payment strategy and user experience.

Industry

Account Aggregation for Investment Platforms

Learn how financial data aggregation empowers investment platforms with secure account linking, real-time insights, and scalable growth.

Open Banking

Open Banking vs Screen Scraping: Pros and Cons

Compare open banking vs screen scraping. Learn the pros, cons, and future of secure financial data access for fintech platforms.

Industry

How to Choose a Financial Data Provider

Choosing a financial data provider? Learn what fintech teams should evaluate—from data aggregation and API integration to compliance, latency, and SLAs.

Industry

What is a Financial Account Aggregator?

A financial account aggregator connects to banks and returns permissioned account data through one API. How aggregation works and how to evaluate providers.

Blog

Chase's Open Banking Gambit: Why Orchestration Wins

Chase plans to charge high fees for data access, threatening fintech business models and open banking. As banks tighten control, Quiltt’s orchestration layer offers resilience: multi-provider routing, no lock-in, and built-in fallback. Stay agile, not exposed.

Company News

Quiltt Achieves SOC 2 Type 2 Compliance

Quiltt achieves SOC 2 Type 2 compliance, validating our security controls for protecting financial data. Through Insight Assurance's rigorous audit, we've demonstrated our commitment to maintaining the highest standards in data security for our open banking platform.

Open Banking

What Are Financial APIs?

Discover what financial APIs are, how they work, their benefits, challenges, and role in shaping the future of fintech platforms and services.

Open Banking

What Is an Open Banking API?

Discover what an open banking API is, how it works, key use cases, benefits, and future trends for fintech teams building smarter financial tools.

Open Banking

Why Identity, Payments & Open Banking Are Converging

Fintech has a plumbing problem. Identity, payments, and transaction data have been treated as separate worlds, creating disconnected silos that kill conversion and cost money. The solution isn't another one-size-fits-all vendor, but a modular ecosystem that breaks down these walled gardens.

Blog

Wealth Management Technology

Explore how wealth management technology, APIs, and software are transforming financial planning, portfolio management, and client experiences.

Partners

Pave.dev—Because Cash Flow is King

Pave replaces outdated credit scores with real-time cash flow analysis, helping lenders make smarter decisions with tailored, predictive risk assessments.

Partners

FinGoal + Quiltt: A Strong Transaction Data Foundation

At Quiltt, we pride ourselves on innovative access to Open Banking. In our quest to provide customers with the best transaction solutions, we partnered with FinGoal, a leading expert in transaction data enrichment.

GraphQL

How GraphQL Fuels Quiltt’s Edge

GraphQL powers Quiltt's platform, simplifying open banking integrations by allowing developers to query exactly the data they need from multiple providers through a single, unified API. This eliminates the complexity of juggling different APIs, normalizing messy data formats, and making multiple requests, enabling faster development cycles and better user experiences.

Blog

Smart Routing for Smarter Fintech Decisions

Smart routing helps fintech companies deliver better services by connecting to multiple data aggregators through one integration. It enables broader coverage, higher conversion rates, and more reliable data for use cases like account funding, transaction monitoring, and underwriting.

Blog

What Is Fintech Data Orchestration? A Primer

Open banking has finally arrived in the US, but companies face a maze of providers, complex integrations, and lengthy negotiations just to access financial data. Learn how data orchestration is transforming this landscape and simplifying how innovative products get built.

Blog

Know Your Customer (KYC) | Definition & FAQs

Discover the KYC process: KYC verification, biometric checks, and KYC solutions that help businesses stay compliant and stop financial crime.

Industry

Know Your Business (KYB) | Definition & FAQs

Learn what Know Your Business (KYB) means, how KYB verification works, and why KYB solutions are critical for compliance and fraud prevention.

Unified APIs

The Hidden Expenses of Financial Data Management

Fintech companies face costly, time-consuming financial data integration maintenance. Quiltt simplifies this with pre-integrated aggregators, a unified API, and automated updates—reducing expenses and complexity.

Open Banking

Navigating Incomplete Data to Build Powerful Fintech Tools

Fintech development faces challenges with incomplete financial data. Success lies in designing for uncertainty, using flexible models, fallbacks, and clear user communication. Quiltt's unified API simplifies this process

Open Banking

Why Real-Time Balance Checks Matter for Fintech

Real-time balance checks are crucial for fintech apps to prevent overdrafts, reduce risk, and improve user trust. Quiltt empowers fintechs with tools and infrastructure to easily implement real-time balance checks.

Open Banking

Optimizing Connectivity for Neobanks & Online Banks

Neobanks revolutionized banking but pose connectivity challenges for fintechs. Explore strategies to optimize neobank integration, ensure reliable data access, and deliver seamless user experiences.

Industry

Why Your Institution Picker Is Harder Than You Think

Don't underestimate the complexity of building a financial data connector! Quiltt Connector handles the challenges of data aggregation, letting you focus on your product, not provider quirks and maintenance.

Featured Releases

Quiltt Launches Statements

Quiltt's Statements unlocks direct access to customer financial data. Build personalized financial experiences, streamline decision-making & drive innovation!

Industry

Beyond Convenience: The Psychology of Payment Choice

Payment choices are shaped by security concerns, social pressures, emotional spending, budgeting, and generational habits. Understanding these factors leads to better financial decisions.

Industry

Avoid Data Silos: Why Fintechs Need Multiple Aggregators

Fintech innovation is hindered by data silos. Using multiple data aggregators offers broader coverage, resilience, and specialized solutions, overcoming this challenge.

Industry

5 Open Banking Use Cases That Are Flying Under the Radar

Open Banking isn't just for banks anymore. Explore 5 lesser-known use cases transforming accounting, supply chains, insurance, real estate, and even how you invest.

Open Banking

Data Aggregation: From Screen Scraping to APIs

Discover how data aggregation transformed from crude screen scraping to powerful APIs, reshaping industries, raising ethical questions, and fueling innovation.

Company News

Quiltt Joins Mastercard's Start Path Program

Quiltt is thrilled to be chosen for Mastercard's prestigious Start Path program. We look forward to leveraging this opportunity to scale our open banking technology and deliver even greater value to our customers.

Industry

The Gamification of Fintech: Fun or Addictive?

Apps like Robinhood and Acorns use game-like features to engage users in investing and saving. This makes finances more accessible but raises concerns about addictive behaviors and irresponsible financial decisions.

Industry

The Hidden Costs of Enriching Your Data In-House

Discover the hidden costs of in-house data enrichment in fintech. Learn why outsourcing or hybrid models may be the key to unlocking your data's full potential.

Industry

Fintech Failures: Lessons from Startups That Didn't Make It

Fintech failures tell powerful stories of ambition and risk. Discover what caused promising startups to fail and the lessons worth remembering.

Industry

When to Use Multiple Aggregators in Fintech

Learn best practices for connecting a fintech app to multiple accounting systems, including scalability, data consistency, and when to use multiple aggregators.

Industry

Open Banking and AI: A Match Made for Fintech

Open banking + AI mean your finances get smarter. Expect tailored advice, streamlined processes, and a financial world that understands your needs.

Industry

A Beginner's Guide to Embedded Finance

Embedded finance is changing how we handle money. It puts payments, loans, & insurance within the apps you use. This means easier transactions, tailored financial options, and new possibilities for businesses.

Podcasts

Why Data Access Platforms Are Changing Fintech

Discover the secret weapon of fintech – Data Access Platforms! Learn how they work, why they're essential, and get expert tips on using them to power your financial apps. Watch the Quiltt and FinGoal webinar on-demand!

Industry

Beyond Single-Provider Risk: Diversify Your Stack

Fintechs must diversify to avoid outages and gain flexibility. This article explores the risks of relying on a single provider, and outlines steps to build a resilient fintech stack – from analyzing needs to finding stra

Company News

FinGoal + Quiltt: Transaction Enrichment Partnership

FinGoal and Quiltt team up to provide seamless transaction enrichment. Build better financial apps faster with their unified API.

Industry

3 Fintech Buzzwords You Need to Know (and 3 You Can Ignore)

Fintech buzzwords got you confused? This post cuts through the jargon, explaining the terms you need to know and a few you can safely ignore. Get ready to understand the forces shaping the future of finance.

Industry

The Disruptive Rise of Peer-to-Peer Lending

Peer-to-peer (P2P) lending is changing finance! Explore its rise, from early days to cutting-edge tech & global expansion. Learn about benefits & future trends.

Industry

The DIY Days of Fintech Are Over

The era of DIY fintech is over. Discover the "assembly line" revolution changing how financial solutions are built and delivered.

Industry

How AI Is Transforming the Lending Industry

Want a faster, fairer loan experience? AI and machine learning are transforming lending, benefiting both lenders and borrowers.

Industry

Mercury & Brex FDIC Insurance: Beyond $250k

Mercury and Brex both cap FDIC insurance at $250k per account. Here's how sweep networks extend coverage — and how to verify yours.

Featured Releases

Quiltt's Real-Time Balances: Seamless Payments

Get accurate account balance data in real time with Quiltt Real-Time Balances, enabling reliable payments, smarter decisions, and better open banking experiences.

Industry

What Is FedNow? Instant Payments Explained (2026)

FedNow is the Federal Reserve's instant payment rail. What it is, how it differs from RTP and Zelle, and what fintech teams should do now.

Industry

What Reg 1033 Means for Data Security and Privacy

At the heart of the Dodd-Frank Act's proposed Regulation 1033 lies a pivotal moment for the security and privacy of consumer financial data...

Featured Releases

Quiltt Launches Remote Data

We've got some exciting news at Quiltt. We're launching something pretty awesome: our new Remote Data feature. It's a big deal for us, and we think you're going to love it.

Industry

The Rise of Cash Flow Underwriting

Explore how cash flow underwriting transforms lending by analyzing real-time cash flow data to drive fairer, more accurate credit decisions.

Industry

How 1033 Changes the Business Model for Aggregators

As the financial sector grapples with the upcoming changes due to Regulation 1033, data aggregators are standing at a significant crossroads. The shift from traditional data collection methods like screen-scraping to...

Industry

Wave of Fintech IPOs and acquisitions coming in 2024?

As we embrace the new year, the fintech landscape is poised for some groundbreaking shifts. Having observed the ebb and flow of the market, we're excited to share insights on the anticipated wave of IPOs and...

Industry

Understanding Financial Data Aggregation

At the heart of modern finance is the concept of financial data aggregation. This is the intricate process of collecting and integrating financial details from various sources such as banks, credit unions...

Industry

The Impact of Reg 1033 on Financial Institutions

The Impact of Reg 1033 on Financial Institutions and Third Parties is a critical topic for fintech product managers, developers, and startup founders.

Industry

How Credit Unions and Smaller Banks can succeed with 1033

Imagine a small-town credit union, nestled between your favorite bakery, the old post office, and that quaint bookstore inviting a sense of community and timeless charm. It’s a haven where everyone knows your name...

Industry

What is ACH?

Within the vibrant landscape of financial technology, there lies a key but often understated player: the Automated Clearing House (ACH).

Blog

Empowering Startup Success through Data Aggregation

Discover how Quiltt helps startups grow faster through smart data aggregation and automation tools that streamline fintech development.

Industry

Top 5 Fintech Developments to Watch in 2024

Heading into 2024, the financial technology sector is experiencing an extraordinary transformation. This rapid evolution is shaped by ongoing innovations, regulatory developments, and shifts in consumer behavior. For...

For Builders

Building a Transaction List with Quiltt's GraphQL API

In this quick how-to guide we show you how to build a transaction list using Quiltt's GraphQL API.

Open Banking

What Is Open Banking? A Guide to Its Impact

Open banking represents a significant evolution in the financial sector, altering the way we manage and interact with our finances. This concept, at its essence, revolves around a system where banks and other financial..

Open Banking

Open Banking Glossary

The landscape of financial services is undergoing a profound transformation, primarily driven by the advent of Open Banking. This innovation is not just a fleeting trend; it's reshaping how we interact with financial ser

Unified APIs

Simplified API Management for Today's Developers

Part 3 of our Unified API series! Streamlining Financial Software Development: Simplified API Management for Today's Developers

Unified APIs

Single Query Language: The Power of Unified APIs

Part 3 of our Unified API series! The Power of Single Query Language in Unified APIs for Financial Software Developers

Company News

Welcoming Jacob Villanueva to Quiltt

Today, we’re particularly thrilled to spotlight our newest addition, Jacob Villanueva. He isn't just a new name on our team; he's a blend of passion, experience, and an intriguing story of why Quiltt was his top choice.

Unified APIs

Unified APIs for Single Authentication | Quiltt

Part 2 of our Unified API series! Embrace Unified APIs for Single Authentication!

Unified APIs

Unified APIs & the Power of Standardized Data

Part 1 of our Unified API series! Dive in to see how they're transforming financial tech by simplifying data and future-proofing apps.

Company News

Round 4 Good: Everyday Transactions for Nonprofits

Today, Quiltt is redefining charitable giving with the launch of Round 4 Good, an innovative platform that revolutionizes how nonprofit organizations receive donations. With Round 4 Good, nonprofits can now rely on a ste

Company News

Quiltt Launches Quiltt Hub

The past few months have been a rollercoaster, especially with the collapse of SVB and all the confusion in the banking world. Businesses, including ours, are figuring out the best way to handle and diversify our money a

Company News

Quiltt Selected for Plug and Play's Batch 17

Quiltt, a low-code fintech infrastructure company, has been accepted into Plug and Play's fintech program. Plug and Play is a global innovation platform that connects startups with corporations to accelerate innovation.

Podcasts

Podcast: Code Story ft. Quiltt CEO Ruben Izmailyan

At the core, I would say the secret sauce of Quiltt is that we're a unified API for multiple different types of APIs and data providers. And we're normalizing that into a single standard data model. So one of the....

Podcasts

Podcast: Brand & Beyond ft. Quiltt CEO Ruben Izmailyan

Our mission is to lower technical barriers for people building in consumer financial services. You know, we've sort of seen a lot of innovation in this space over the last five to 10 years but kind of one of the core...

Featured Releases

Fintech’s First “Easy Button” — The Quiltt Connector

At Quiltt, we’re on a mission to dramatically lower technical barriers to innovation in the financial services space. Our platform empowers anyone to quickly connect customer financial data, stitch relevant APIs, and dep

Company News

Jenn Starr joins Quiltt as Head of Marketing

We’re thrilled to announce that Jenn Starr has joined Quiltt as our head of marketing!

Culture

How We Craft Successful Team Retreats at Quiltt

Quiltt recently held its second Team Retreat in beautiful Breckenridge, CO. Despite being a small team; we brought together team members from California, New Jersey, New York, Germany, Rhode Island, Texas, and one who is

Company News

Announcing Quiltt’s $4m Seed Funding

We are thrilled to announce that Quiltt has raised $4 million in Seed funding!