apibanking

Platforms / Banking product experience

Stitch: expose your APIs securely, enable your partners to create delightful experiences and offer your products and services in their applications.

Stitch is the backend behind account-opening and deposit journeys. It gives any frontend everything it needs to complete a journey: the data the customer types in, and every supporting detail the screen has to show, from dropdowns to returns calculators.

Every channel becomes a distributor.

A journey is whatever the customer goes through to get something done: screens in an app, a WhatsApp conversation or a call with an agent. Self-service or assisted, Stitch powers both.

Channels

  • Bank app & web
  • WhatsApp
  • Call center
  • IVR
  • Partner & fintech apps

Stitch

  1. Data capture servicesApplicant and product-wise pre-fill, save / load, business rules
  2. User communication services
  3. Platform-managed user activitiesEKYC / Re-KYCVKYCFundingDocs upload
  4. Account opening servicesSAFDRDCA
  5. Customer application processingResidentNon-residentJoint
  6. Platform configuration

Bank systems

  • Core banking
  • KYC & VKYC providers
  • Payment gateway & UPI
  • Document repository

Four ways partners integrate.

Partners have diverse needs. Stitch supports four integration options, each asking a different amount of the partner across the four key steps of a journey.

1

Build-your-own journey

High integration and compliance effort

Front endPartnerData securityPartnerOrchestrationPartnerIntegrationPartner
2

Build-your-own experience

Some integration, limited compliance effort

Front endPartnerData securityStitchOrchestrationPartnerIntegrationPartner
3

Pre-built experience & journeys

Minimal integration

Front endPartnerData securityStitchOrchestrationStitchIntegrationPartner
4

Shareable, personalised links for handoff

No integration required

Front endStitchData securityStitchOrchestrationStitchIntegrationStitch

Every journey has three facets: experience, integration and compliance. The less a partner builds, the more of each Stitch carries for them.

Two ways to build on Stitch.

MCP server

Using MCP

For partners who want the fastest path

Stitch offers
A hosted MCP server that coding agents read and build against directly
You do
Describe the journey, or hand the agent a design, screenshot or prototype
APIs

Build your own

For partners who want control over their interface

Stitch offers
Direct API access, plus a published UI component library
You do
Build the interface and flow, optionally dropping in Stitch UI components

The APIs behind every journey.

From first field to funded account, grouped by phase. Stitch handles the rules, verifications and downstream steps behind each call.

stitch / access & identity

// Authenticate the customer, and verify who they are and what they are linked to.

  • POST/login
    Login / obtain tokenValidates credentials, consent and OTP attempt limitsReturns a JWE token carrying customerId, isETB and clientId
  • POST/kyc/ekyc
    User activity (EKYC)Integrates with the KYC engine and auto-populates KYC fieldsArchives documents received via callback
  • POST/kyc/vkyc
    User activity (VKYC)Connects to the video KYC providerUpdates KYC status once verification completes
  • GET/auth/idcom
    User activity (IDCOM)Hands authentication off to the bank’s own hosted pages
  • POST/verifications/*
    Bank account, UPI ID, emailVerifies with the external bank, PSP or inboxUpdates the verification store

Journeys you can assemble.

Savings, salary, fixed and recurring deposits, for solo, joint, minor and NRI customers, new to bank or existing, across every channel.

15 journeys
  • Live demo

    Fixed deposit booking for an existing customer

    Book a fresh FD against an existing profile, start to finish, including funding from an external bank account.

    ETBFDAppOpen the live journey
  • Example

    Salary account onboarding

    Open a salary account for a new employee and activate banking access in one continuous flow.

    NTBSalary accountApp
  • Example

    First fixed deposit for a new customer

    Onboard a new-to-bank customer and book their first FD in the same journey.

    NTBSingleFDApp
  • Example

    Savings account with a solo or joint FD

    Open a savings account alongside a fixed deposit, held solo or jointly.

    ETBSingleJointSavingsFDApp
  • Example

    FD-backed credit card

    Issue a credit card secured against a fixed deposit, for customers building or rebuilding credit.

    ETBCredit cardFDApp
  • Example

    WhatsApp-led savings account origination

    Open a savings account entirely inside a WhatsApp conversation, from first message to activation.

    NTBSavingsWhatsApp
  • Example

    Savings account for minors

    Open a savings account for a minor, with guardian details captured alongside.

    NTBMinorSavingsApp
  • Example

    Mandate registration for balance checks

    Register a standing mandate so a partner app can check balances without repeated logins.

    ETBMandateApp
  • Example

    IVR for FD booking

    Book a fixed deposit for an existing customer entirely over an automated phone call.

    ETBFDIVR
  • Example

    IVR for savings account opening

    Open a savings account for a new customer over an automated phone call.

    NTBSavingsIVR
  • Example

    Call-center FD booking

    An agent-assisted flow for booking an FD on an existing customer’s behalf.

    ETBFDCall center
  • Example

    Call-center savings account opening

    An agent-assisted flow for opening a savings account for a new customer.

    NTBSavingsCall center
  • Example

    Call-center current account opening

    An agent-assisted flow for opening a current account for a new-to-bank business.

    NTBCurrent accountCall center
  • Example

    Video KYC-led savings account opening

    Open a savings account with identity verified live over video.

    NTBSavingsVKYCApp
  • Example

    NRI fixed deposit, joint holder

    Book an FD for an NRI customer with a resident joint holder, as one flow.

    NRIJointFDApp

Put your products inside every partner app.