Contact sales

Your customers connect once. You get one clean record.

CommonSchema gives your product one consent flow, one API and one data model across banks, payments, crypto and energy. Consent is scoped per app and per agent.

Contact sales
  • Banking
  • Credit unions & mutuals
  • Brokerages
  • Crypto exchanges
  • Energy retailers
  • Payment processors
  • Lenders
{ "object": "account",
  "provider": "CDR",
  "name": "Everyday",
  "balance": { "current": "4218.40",
               "currency": "AUD" },
  "consent": { "app": "cg_31Kd9w",
               "agent": "cg_8Fq2" },
  "source": "CDR" }

Every kind of provider. One shape.

  • Banking
  • Credit unions & mutuals
  • Brokerages
  • Crypto exchanges
  • Energy retailers
  • Payment processors
  • Lenders
  • Consumer Data Right
  • Open Banking
  • Section 1033
  • PSD2 and open finance
  • Customer and Product Data Act
  • Consumer-driven banking

The same record whether it arrives through the Consumer Data Right, Open Banking, Section 1033 or PSD2.

Many formats in. One record out.

Consumer Data Right
{ "postingDateTime": "2026-10-21T09:14Z",
  "amount": "-42.90",
  "merchantName": "Corner Grocer",
  "status": "POSTED" }
Open Banking
{ "BookingDateTime": "2026-10-21T09:14Z",
  "Amount": { "Amount": "-42.90" },
  "MerchantDetails": { "MerchantName": "Corner Grocer" },
  "Status": "Booked" }
Section 1033
{ "postedTimestamp": "2026-10-21T09:14Z",
  "amount": -42.90,
  "description": "Corner Grocer",
  "status": "POSTED" }
{ "object": "transaction",
  "bookedAt": "2026-10-21T09:14Z",
  "amount": { "value": "-42.90", "currency": "AUD" },
  "merchant": { "name": "Corner Grocer" },
  "status": "posted",
  "source": { "provider": "Consumer Data Right",
              "field": "postingDateTime" } }

Revoke one grant. The others keep working.

One API. One schema.

# transactions for one consented account
GET /v1/transactions?account=acc_2Pq8&since=2026-07-01
 
{ "object": "transaction",
  "bookedAt": "2026-10-21T09:14Z",
  "amount": { "value": "-42.90", "currency": "AUD" },
  "merchant": { "name": "Corner Grocer" },
  "status": "posted",
  "consent": "cg_31Kd9w",
  "source": { "provider": "CDR", "field": "postingDateTime" } }
 
# the same shape from a bank, a card processor or an exchange
GET /v1/transactions?account=acc_7Hx2

What you build on one shape.

  • NovAprOct
    IncomeExpensesRepayments elsewhere
  • 1 Oct30 Oct20 kWh
    Current plan$1,912/yr
    Best match for this usage$1,604/yr

  • Can I afford a $400 car service this month?

    Yes. After rent and your electricity bill you have $1,120 left until payday on the 28th.