Klavi
Central Bank-licensed ITP. Open Finance data sharing and payment initiation.
Klavi operates as an Open Finance aggregator: statements, balances, investments and payment initiation. VAAS consumes the data as typed variables (verified income, cash flow, recurring spend) used directly in credit decisions.
The main datasets that Klavi delivers via VAAS are Data sharing (Open Finance), Payment initiation (ITP), Automatic income calculation, Klavi Score (proprietary model).
In practice, Klavi most often appears in Income validation, Credit, Onboarding flows, always orchestrated by the VAAS decision engine, with configurable cache, automatic fallback and a per-query auditable trail.
What Klavi delivers.
Klavi operates as an Open Finance aggregator: statements, balances, investments and payment initiation. VAAS consumes the data as typed variables (verified income, cash flow, recurring spend) used directly in credit decisions.
Data categories.
- Data sharing (Open Finance)
- Payment initiation (ITP)
- Automatic income calculation
- Klavi Score (proprietary model)
