No-code PSD2 open banking wrapper for EU devs
EU GDPR and open banking regulations make solo fintech builds 10x harder and costlier than standard SaaS development.
PSD2Kit offers pre-built, compliant API wrappers to major EU banks via AISPs like Tink, handling SCA, consent flows, and data sanitization. Indie hackers connect accounts with one SDK, avoiding 6-month compliance builds. Includes mock data for testing and production switching.
Solo indie hackers and bootstrapped developers building fintech apps for EU customers
Solo-dev focused SDK with built-in GDPR data mapping for fintech apps
friendly
JS SDK for account linking and balance/transaction fetch
Hosted consent screens compliant with PSD2
Auto-anonymize PII per GDPR rules
Test without real bank APIs
Push account updates to your app
Add more banks via dashboard
Track API calls and errors
User-defined GDPR field mappings
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| api_key | text | No |
| created_at | timestamp | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| bank_id | text | No |
| consent_status | text | No |
| last_sync | timestamp | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| endpoint | text | No |
| success | bool | No |
| timestamp | timestamp | No |
Relationships:
/api/connect-accountInitiate bank link
/api/accountsList linked accounts
/api/transactionsFetch sanitized data
/api/webhookReceive bank updates
No production
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 80 | 3% | $135 | $1,620 |
| Month 6 | 400 | 6% | $1,080 | $12,960 |
Connect EU banks in code without compliance nightmares.
Target recent open banking tweets and LinkedIn EU fintech groups with free Pro beta; Offer to 3 PH fintech apps in beta; Join indie finance Discords for feedback swaps.
Wide bank coverage
Complex setup for solos
No-code SDK + GDPR built-in
Compliant
Not dev-friendly
$45/mo micro pricing
Network of bank consent data improving matching accuracy
PSD3 delays + 2024 enforcement wave forces quick integrations
Bank API changes break wrapper
AISP proxy + auto-updates
License issues with AISP
Partner with certified AISP
Few solo open banking apps
Free tier for adoption
Success: Pain score >7/10
Success: 3 production uses
Success: 150 signups
Other validated startup ideas you might find interesting
Instant access to affordable agritech hardware suppliers for student crop monitoring prototypes
Validate crop monitoring app demand from small farmers before building – zero cost surveys
Drop-ship agritech hardware prototypes to farmers for real-world app testing
Generate client proposals that justify premium pricing for custom AI over free LLMs
Benchmark free LLMs vs your custom AI to win higher-paying clients
Smart pricing calculator & scripts to defend custom AI rates against free LLM demands