Salt Edge is the open banking aggregator that sells to both sides of the same regulation. Its Open Banking Gateway is the familiar product: one API giving lenders, accounting software, personal finance apps and banks access to customer account data and — in the EU — payment initiation, with enrichment tools for transaction categorisation and merchant identification layered on top. Its second product is the mirror image: a PSD2 and open banking compliance solution sold to banks and EMIs that need to expose compliant APIs, including TPP verification, mobile SCA and consent management.
That dual position is genuinely unusual and commercially clever. Every regulation that forces banks to open up creates two customers — the institution that must comply and the fintech that wants access — and Salt Edge sells to both. It also explains the distribution strategy: partnerships with core banking and engagement platforms including Finastra and Backbase, which put the compliance product inside the stack banks already run.
On coverage, Salt Edge is at the broad end of the market — connections to over 5,000 financial institutions across 50-plus countries spanning Europe, APAC and the Americas, though payment initiation is EU-only. It was named a Strong Performer in Forrester's Open Banking Intermediaries Wave. The comparison worth drawing for this directory is with Enable Banking: both are aggregators, but Enable Banking is a fifteen-person Finnish company competing on a privacy-first, no-data-retention architecture with its own FIN-FSA registration, while Salt Edge competes on global breadth and the bank-side compliance product. One verification note before publishing: Salt Edge's corporate structure spans a Latvian presence and a registered entity in Ottawa, Canada, and different sources give different primary locations — worth confirming which entity you want in the country field.