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I'm working on Teller (https://teller.io https://teller.io), which is a universal banking API. We don't support any US banks yet (but we certainly plan to), but

I'm working on Teller (https://teller.io https://teller.io), which is a universal banking API. We don't support any US banks yet (but we certainly plan to), but we will be publishing a sandbox API in the near future along with the GA release of our production APIs. In the US I recommend you check out Plaid (https://plaid.com https://plaid.com), although I believe they offer read only APIs. There is also the Open Bank Project (https://openbankproject.com https://openbankproject.com) which is also intended as a universal API but I don't believe has any production integrations, although they do have sandbox APIs. Email address in profile if anyone wants to chat more about this topic.

alistproducer2 10y ago
Thanks for sharing the open bank project. I'd never heard of it. I'm actually working on something similar to you. It's called POSADA (personal open source automated digital assistant). It's a open source digital assistant. The primary use cases are financial (paying bills, transferring money, etc). It will open source and user hosted. People host their assistant on pre-loaded, plug and play raspberry pi 3s. Hopefully there will be a community of developers that will share integrations (ie, scraping scripts). So if I want my assistant to work with my local bank, I build an intergration and now anyone else that has the same bank can connect to it. POSADA's logic will be programmable as well. So you can customize when it alerts you, requests confirmation, or automatically transfers money from one account to another to pay a bill. One of the use cases I'm most excited about is the ability of POSADA to make donations to organization and charities you care about. So rather than setting up an auto-pay thing with a 3rd party, you tell POSADA how much you want to give, how frequently, and can even adjust the amount based on an assessment of your current financial position. The user would be in total control and I hope that will encourage more people to financial support media outlets, open source projects, and other worthy causes on a regular, sustaining basis. I've got a mobile app prototype that handles two factor authentication and will eventually grow to become the front end of the assistant. I'm currently leveraging the built in speech-to-text capabilities of android phone to allow the user to communicate with their assistant via voice.
- nicholasjarnold 10y ago
  This is great! I too am working behind the scenes (nothing on Github yet) on a set of scrapers that pull in data from various financial institutions (my bank, a credit union, a CC account, ect.) along with a 'manager' application that recieves results from these scrapers and displays the data to me. That's step 1. Next I'd like to fully automate the paying of my bills and setting up arbitrary actions based on certain conditions. For instance, send money to some investment account when primary checking scraper sees a new ACH deposit from my employer, ect. Have you opened this up anywhere yet? I'm interested in using some of your ideas and/or contributing to them. :)
  - xavi 10y ago
    You may want to check out https://github.com/bankbotsbank/bankbotsbank https://github.com/bankbotsbank/bankbotsbank
    - alistproducer2 10y ago
      I learned about Nightmare, which apparently runs headless chromium. this is exactly what I needed. Thanks.
    - alistproducer2 10y ago
      I just noticed you're the creator of bankbotsbank. We essentially have the same idea. We should collaborate. I'm currently using protractor (webdriver) for my crawler but I would open to switching to nightmare to be compatible with you as long as I am able to get that stack running on a pi.
  - alistproducer2 10y ago
    I just created a repo. Please follow it , as I will have the code I'm working on up there very soon. I would very much welcome any contributions you may have! https://github.com/ShamariFeaster/posada https://github.com/ShamariFeaster/posada We are basically on the same page. POSADA's logic interface has a concept of a plan which is composed of plan actions. Users will be able to build plans that get executed everyday. for example, you could tell POSADA check you bank account daily and make sure any outstanding checks or withdrawals are adequately funded. If not, you're plan could tell POSADA to try transferring from you savings or alerting you on mobile if it is unable to fund the withdrawal.
oellegaard 10y ago
How about Denmark? :-)

alistproducer2 10y ago

Thanks for sharing the open bank project. I'd never heard of it. I'm actually working on something similar to you. It's called POSADA (personal open source automated digital assistant). It's a open source digital assistant. The primary use cases are financial (paying bills, transferring money, etc). It will open source and user hosted. People host their assistant on pre-loaded, plug and play raspberry pi 3s. Hopefully there will be a community of developers that will share integrations (ie, scraping scripts). So if I want my assistant to work with my local bank, I build an intergration and now anyone else that has the same bank can connect to it. POSADA's logic will be programmable as well. So you can customize when it alerts you, requests confirmation, or automatically transfers money from one account to another to pay a bill. One of the use cases I'm most excited about is the ability of POSADA to make donations to organization and charities you care about. So rather than setting up an auto-pay thing with a 3rd party, you tell POSADA how much you want to give, how frequently, and can even adjust the amount based on an assessment of your current financial position. The user would be in total control and I hope that will encourage more people to financial support media outlets, open source projects, and other worthy causes on a regular, sustaining basis. I've got a mobile app prototype that handles two factor authentication and will eventually grow to become the front end of the assistant. I'm currently leveraging the built in speech-to-text capabilities of android phone to allow the user to communicate with their assistant via voice.

nicholasjarnold 10y ago
This is great! I too am working behind the scenes (nothing on Github yet) on a set of scrapers that pull in data from various financial institutions (my bank, a credit union, a CC account, ect.) along with a 'manager' application that recieves results from these scrapers and displays the data to me. That's step 1. Next I'd like to fully automate the paying of my bills and setting up arbitrary actions based on certain conditions. For instance, send money to some investment account when primary checking scraper sees a new ACH deposit from my employer, ect. Have you opened this up anywhere yet? I'm interested in using some of your ideas and/or contributing to them. :)
- xavi 10y ago
  You may want to check out https://github.com/bankbotsbank/bankbotsbank https://github.com/bankbotsbank/bankbotsbank
  - alistproducer2 10y ago
    I learned about Nightmare, which apparently runs headless chromium. this is exactly what I needed. Thanks.
  - alistproducer2 10y ago
    I just noticed you're the creator of bankbotsbank. We essentially have the same idea. We should collaborate. I'm currently using protractor (webdriver) for my crawler but I would open to switching to nightmare to be compatible with you as long as I am able to get that stack running on a pi.
- alistproducer2 10y ago
  I just created a repo. Please follow it , as I will have the code I'm working on up there very soon. I would very much welcome any contributions you may have! https://github.com/ShamariFeaster/posada https://github.com/ShamariFeaster/posada We are basically on the same page. POSADA's logic interface has a concept of a plan which is composed of plan actions. Users will be able to build plans that get executed everyday. for example, you could tell POSADA check you bank account daily and make sure any outstanding checks or withdrawals are adequately funded. If not, you're plan could tell POSADA to try transferring from you savings or alerting you on mobile if it is unable to fund the withdrawal.

oellegaard 10y ago

How about Denmark? :-)