Open APIs (Fintech Association Service)

2025

Bank of Russia published Open API standards

The Bank of Russia approved and published 10 standards that were developed by specialists of the FinTech Association (AFT) together with AFT participants with the participation of the Bank of Russia. The standards are approved by the AFL Expert Council for the Development of Open APIs. The FinTech Association announced this on December 24, 2025.

The published standards cover areas of interaction important to market participants through the Open API:

Basic principles of interaction: general provisions, glossary, API safety profiles ensuring compliance with the FAPI.CEC standard, and requirements for application standards. API Specifications and Interoperability Rules: to obtain account information and consent to access it - for both individuals and legal entities.

The standards are propilated by AFL participants: real services for bank customers are already working on their basis. The transition of pilot participants to new approved versions of API specifications for accounts of individuals and legal entities is scheduled for October 1, 2026.

Open API standards are the result of a deep study of business and customer needs together with financial market leaders. As the living market environment requires flexibility, standards will continue to improve to be always relevant and in demand.

All API specifications approved by the Bank of Russia, as well as projected versions of API specifications piloted by API participants, are published in the API Open API knowledge base and are available for recommended use by API developers.

The application of the Common Recommendation Standards of the Open API will allow the financial market to move from point integrations to scalable interaction according to single rules. This reduces the technological barriers between participants, increases the level of security of services for customers and gives impetus to the creation of innovative services where the client can seamlessly manage his financial products, said Anastasia Kayuchkina, Director of Open Data and Ecosystem Development, FinTech Association.

The introduction of uniform Open API standards is one of the key stages in the process of creating a more innovative and adaptive banking ecosystem. The Bank's ongoing participation in the development of applied standards and pilot projects will help ensure a smooth transition to the mandatory use of the Open API. For December 2025, we already had the opportunity, as part of the first integrations, to collect feedback, so the approved standards are tested by practical experience, noted Salugin Pavel Sergeevich, Executive Vice President, GPB (JSC).

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Open API standards greatly simplify the development and launch of new products into the banking market, and all participants receive a predictable and scalable area for cooperation. Thanks to this, the business can focus on the main thing - creating convenient and valuable solutions for customers, and not coordinating technical details, told Kira Donskikh, Head of the Department of Open Data and Services , T-Bank.

The approval of Open API standards is an important step for the transition of the market from experiments to industrial implementation of open banking. The time has come to scale and pilot solutions by testing them in real-world client scenarios. For banks, this means not only new opportunities for partnerships, but also the need to multiply increase the stability and reliability of the API infrastructure. VTB is actively developing the API Platform as the basis for the safe and scalable interaction of the bank with other market participants, said Igor Besschastny, leader of the VTB API Platform.

Completion of the first stage for creating a "boxed" solution

The FinTech Association completed the first stage of work on the creation of a "boxed" solution for information exchange using the Open API. The AFL announced this on December 3, 2025.

The initiative of the FinTech Association participants with the support of the Bank of Russia is aimed at creating a standard solution that meets the architectural style, principles and standards of the Open API.

The project is being commissioned by the AFT company eCashier and is aimed at simplifying and speeding up integrations between participants in the Open API information exchange through the implementation of ready-made modules (meeting the requirements of the Bank of Russia Open API standards, including in terms of information security).

The solution is placed for preliminary testing in the AFL Repository, which provides the Association members with the opportunity to familiarize themselves with the solution itself, as well as with the package of technical and user documentation.

In the second stage, it is planned to expand the list of crypto providers used, provide support for the security standard for authentication via a separate channel (FAPI.PAOK), issue an SDK for the use of a "boxed solution" in the development of mobile applications and conduct comprehensive commissioning tests. In 2026, the "boxed solution" will be piloted by financial institutions participating in the AFL in their own IT landscapes.

The creation of a typical "boxed" solution is an important step in the development of Open APIs in Russia. It will allow market participants to significantly reduce the cost of building integrations and exchanging data using the Open API and will help scale the implementation of the Open API. In addition, the solution is being developed taking into account the current information security requirements, "said Anastasia Kayuchkina, Director for the Development of Open Data and Ecosystems of the FinTech Association.

For financial institutions, there are two scenarios for connecting to the Open API. The first is its own development, which requires significant resources. The second is the introduction of a standard solution that supports information security and data exchange requirements out of the box. In their own development, the companies are obliged to ensure compliance with the Bank of Russia requirements for the safety of transmission and exchange, support of standards and assessment of the impact ON on. CIPF The typical solution provided by the vendor takes on these tasks, making connecting to the Open API environment preferable for some companies, "said the CEO of eKassir. Alexey Zotov

2024: Completion of the second phase of the pilot project on corporate multi-banking

The second phase of the pilot project on corporate multi-banking has begun at the FinTech Association (AFL) site. The result of the first stage, in which PSB and Tochka Bank took part, was the creation of a service for the exchange of data on statements of clients - legal organizations. At the second stage of the pilot project, in which five banks participate, a service will be created to manage company accounts in one window in different financial institutions. The FinTech Association announced this on July 3, 2024.

At the first stage of the pilot project, PSB and Tochka Bank developed and tested a solution for exchanging corporate customer statements for use in a loan application and passed technical checks for compliance of their software with Open API standards. More than 3,500 customers agreed to provide data and use the service.

The development and piloting of Open API standards at the AFT site is carried out at the initiative of the Bank of Russia. In July 2024, the second stage of the pilot project is underway, five credit institutions are taking part in it, which plan to test the standard and service in 2024 on a dedicated group of 30 SMEs and 30 large companies, and in 2025 to offer this opportunity to a wide range of corporate clients. As a result of the second stage, the Open API standard will be developed for the exchange of data on corporate customer statements and a service for informing about company accounts in different financial organizations will be created in one window. The standard will be agreed not only by the pilot participants, but also by other banks from the AFL Expert Council for the Development of Open APIs.

{{quote "Open API standards allow market participants to launch new convenient services and services for their customers faster and at a lower cost, since each next integration between participants is done according to a single standard. With the help of such services, users will be able to receive all the necessary information about their accounts through one interface. This will make working with accounts of legal entities more comfortable and have a positive effect on customer satisfaction and the market as a whole, "said Anastasia Kayuchkina, Director for the Development of Open Data and Ecosystems of the FinTech Association. }}

The creation of a trusted Open API environment, which is being developed at the AFL site, will allow banks to securely exchange information among themselves and jointly develop products and services in demand on the market. We were among the first to implement corporate multi-banking, which made it possible to reduce the time for filling out a loan application. The Open API standard allows us to bring data exchange between financial organizations to a single mechanism, which is one of the main needs of the SME market, "said Ivan Patkin, director of the e-business department of medium and small businesses at PSB.

We at the Point strive to make the entrepreneur's life more convenient and simple with the help of our technologies and interface solutions. It is important for us that customers can focus on their business without being distracted by technical details. Participation in the pilot of the project to exchange statements between banks is the first step in creating new standards in the business market. The banking industry is on the verge of big changes. Interbank integrations save customers time by allowing them to use services from a partner bank in the interface of their bank, "said Kirill Mozgolin, leader of the Medium and Large Business product area of ​ ​ Tochka Bank.

2021

Joining Finservug and Сравни.ру

FinTech Associations API Marketplaces - and will take part in pilot projects to create services using Open financial Ones. Financial services of the Moscow Exchange The Сравни.ру Fintech Association announced this on December 27, 2021.

On the site of the FinTech Association, together with key participants in the financial industry, Open API standards are being developed, pilot projects are being carried out for their testing, and an infrastructure basis for a trusted Open Banking environment is being created.

Fintech companies involved in piloting the Open API receive competitive advantages, such as the ability to exchange data with the largest players in the financial market, and reduce costs when launching new products and services. Thanks to standardized APIs, new partnerships can be created without unnecessary customization costs for each case. We are glad that fintech companies focused on increasing the availability of financial services for citizens have joined our projects, - commented Tatyana Zharkova, General Director of the FinTech Association.

At the FinTech Association site, there is a stand where participants are tested for compliance with Open API standards, as well as an information portal that combines current information and international experience in the field of Open Banking. In the environment, technical checks are carried out not only by participants setting APIs, but also by services using these APIs (fintech companies).

Running the service for testing bank open APIs

On July 8, 2021, the Fintech Association, created under the auspices of the Central Bank for the development of financial technologies, announced the creation of a service for testing banking open source APIs and fintech software.

The new solution is positioned as a certification stand that allows you to check whether the IT product meets the standards of the Central Bank of the Russian Federation. One of the main components of the open API certification stand was the eKassir Access Manager solution. The system supports the Bank of Russia standard for the security of banking operations (STO BR FAPI. SEC-1.6-2020).

Fintech Association launches service for testing banking open APIs

Fintech developers and financial institutions will be able to go through the procedure for checking software on the stand. Open APIs or open program interfaces help banks interact with each other and fintech service providers, the association emphasized.

Having successfully passed testing at the booth, the fintech company or bank must contact the Certification Center to obtain cryptographic certificates for industrial operation of the software.

Standardization of open banking APIs in Russia will solve the problems of security and compatibility of participants with each other, which in turn will simplify their path to the market and protect the client, - said Dmitry Golovan, director of eKassir.

The first to be certified were Tochka and Promsvyazbank. A number of financial organizations are at the connection stage by July 8, 2021. To improve the processes of open APIs, pilot projects are being held at the Fintech Association site, to which organizations can join until the end of 2021.

Earlier, the Central Bank approved the first recommendation standards for open APIs: the information security standard, obtaining information about the client's account by a third party, initiating the transfer of client's funds by a third party.