Reach any user account.
Read the data. Take action.
One API to securely connect, unblock and act on 50,000+ institutions — banks, cards, utilities, telecom, insurance, payroll, healthcare and more — always with the user's consent.
Everything it takes to reach an account — in one API.
Sophtron's AI engine connects where others can't, keeps working when sites change, and never touches an account without the user's consent.
Unmatched coverage
Every category your users hold accounts with, financial and non-financial.
- 14,000 banks & cards, 37,000+ non-financial
- New institutions supported instantly, zero code
- US & Canada, expanding globally
Reliable unblocking
An engine that reaches accounts other tools get blocked from, and stays connected.
- Handles fingerprinting, CAPTCHAs & MFA flows
- Adapts to website changes automatically
- Not a single line of hard code per institution
Bank-grade security
Every session is explicitly authorized by the account holder and fully encrypted.
- User-consented, scoped & revocable access
- Encrypted in transit & at rest
- Independently audited controls
Read everything. Act on anything.
Two sides of one API — retrieve clean, structured data, then take the actions your users authorize.
Structured data from any account
Normalized across institutions, refreshed on demand.
- Balances & transactions
- Statements & documents
- Bills & due dates
- Identity & account details
- Holdings & positions
- Payroll & income
Take action on the user's behalf
Every action scoped to what the user explicitly approved.
- Pay a bill
- Download a statement
- Update contact details
- Dispute a charge
- Transfer between accounts
- Set alerts & autopay
Integrate in an afternoon.
Embed the open-source widget or call the API directly. One consistent schema across all 50,000+ sources.
- 1 Widget or API — drop-in connect flow, or build your own experience.
- 2 Universal Connect — a leading contributor to the open-source connectivity protocol.
- 3 24-hour turnaround — a self-learning engine resolves connectivity issues within a day.
# Link an account with user consent, then read & act curl https://api.sophtron.com/v1/accounts/link \ -H "Authorization: Bearer $SOPHTRON_KEY" \ -d '{ "institution": "duke-energy", "consent": "usr_2f9a" }' # → 200 OK { "account_id": "acct_8f2a", "status": "linked", "unblocked": true, "balance": 142.18, "actions": ["pay_bill", "download_statement"] }
Connect, unblock, act — in three steps.
Connect with consent
Drop in the open-source widget or call the API. The user authorizes access to their own account.
Sophtron unblocks & authenticates
Our AI engine signs in, clears fingerprinting and CAPTCHAs, and keeps working when the site changes.
Read data & take action
Retrieve clean, structured data, or act on the account, through one consistent API.
Access that users authorize, secured end to end.
Explicit user consent
No account is touched without the holder's authorization, scoped and revocable at any time.
SOC 2 Type II
Independently audited security controls, with encryption in transit and at rest.
Data minimization
Retrieve only the fields your use case needs; nothing more is stored.
Audited controls for security, availability & confidentiality.
A leading contributor to the open-source connectivity protocol.
Self-learning engine; any connectivity issue resolved within a day.
Trusted by leading fintechs, lenders and platforms
Reach any account your users authorize.
Start building with the Sophtron Access & Action API today.