Distyra turns European bank data into clean, structured and decision-ready financial data. Bring in statement files or connect directly to banks through PSD2, and run everything through a single pipeline. Choose the output you need, or combine them all.
Three capabilities, one pipeline.
Connect gives you a direct PSD2 connection to 2,600+ banks across 29 European countries and a clean, normalized transaction feed. Distyra handles the complexity of bank connections and standardizes transaction data so it can flow straight into your applications and data pipelines. Connect your organization's own accounts, an underwriting applicant's, or the accounts of your own end users, who each authorise access inside your product.
Enrichment turns raw transactions into structured financial intelligence. Distyra categorizes transactions and resolves counterparties to the entities behind them, so you understand who money is actually moving to and from. It is particularly useful for financial analysis, accounting automation, risk assessment, lending and cash-flow analysis, wherever accurate counterparty identification matters.
Underwriting transforms bank transaction data into cash-flow features designed for credit decisioning. Distyra turns observed financial behaviour into features your credit and underwriting models can score, including what you need to understand recurring income, expenses, debt service and business cash flow.
Use any capability independently, or stack Connect, Enrichment and Underwriting into a complete bank-data workflow.
Built for European banking. European financial data has nuances that generic transaction-data engines miss. A transaction that looks straightforward in raw form can mean something very different in a European context: a Dutch bank read as a Latvian regulator, or a development-bank loan treated as an ordinary vendor payment that distorts a company's debt-service coverage ratio.
Distyra is built around the way European banking and payments actually work, focused on correctly identifying the entities, institutions and financial flows that matter when bank data drives financial analysis and credit decisions. It runs on EU-owned infrastructure and uses no US-based subprocessors.
Simple, transparent pricing. Enrichment is free for up to 10,000 transactions per month, then €0.003 per transaction, or €99 per month including 100,000 transactions. Connect is €5 per bank connection per month, with the first bank connection free. Underwriting is sales-led. Start with the capability you need and add products as your use case grows.
Designed for financial workflows: credit and loan underwriting, SME lending, cash-flow analysis, financial risk assessment, accounting and financial automation, transaction categorization, counterparty identification, bank-data aggregation, and credit scoring and decisioning.
