Canonical Registry
Build common financial models that remove point-to-point schema fragmentation.
Enterprise Data SharingTransform
Transform
Financial Data
Enable secure, consent-driven, compliant financial ecosystems for banks, fintechs, and partners globally.
Bank Core
TPP Network
Consent DB
Canonical
Analytics
360°Financial-data governance across every sharing journey.
1 Control PlaneFor consent, registries, TPPs, APIs, evidence and operations.
Field LevelMasking, encryption and sharing controls at attribute precision.
LifecycleDesign, onboard, approve, operate, renew, suspend and retire.
Unified platform architecture
One fabric for trusted financial exchange.
Panofi connects ecosystem participants, financial products, consent decisions, data definitions, policies and commercial agreements without creating fragmented control points.
Consumers & BusinessesPermissions, preferences, journeys and transparency.
Banks & Data HoldersAccounts, payments, loans, investments, insurance and more.
TPPs & FintechsApps, aggregators, lenders, advisors and embedded-finance partners.
Unified intelligence and governancePanofi Control Plane
Trust ServicesConsent, identity, certificates, approvals and audit.
Data ServicesCanonical registry, field registry, mapping and quality rules.
Ecosystem ServicesTPP, contract, cookie, API and operational registries.
Open Banking
Open BankingA dedicated platform for regulated banking access.
Panofi enables banks to expose regulated account information, payment initiation and customer-permissioned services through governed APIs. It combines trust, consent, TPP validation, policy enforcement and evidence into one operational model.
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Account Information ServicesSecure balances, transactions, beneficiaries, standing orders and account metadata.
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Payment Initiation ServicesControlled payment journeys, strong authentication, status tracking and exception handling.
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Customer Experience LayerConsent dashboards, revocation, permission history and transparent data-use explanations.
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Bank OperationsTPP oversight, certificate lifecycle, incidents, SLA monitoring, audit and regulatory reporting.
AISP EnablementPermissioned access to balances, accounts and transactions.
PISP EnablementSecure payment initiation, status and exception journeys.
Confirmation ServicesAccount, beneficiary and funds-confirmation controls.
Strong AuthenticationSCA orchestra, exemptions and decoupled journeys.
Regulatory APIsStandards, versions, conformance and publication governance.
Operational OversightTPP health, API SLA, fraud signals and regulatory evidence.
Open Banking request journeyReal-time trust flow
1
TPP initiates requestApp, aggregator or regulated partner invokes a banking API.
2
Identity and certificate validationRegistration, role, status and trust material are checked.
3
Consent and purpose verificationScope, duration, data purpose and customer permissions are evaluated.
4
Policy and field controlsApproved attributes are masked, encrypted, filtered or transformed.
5
Response, evidence and analyticsOutcome, latency, policy decisions and audit evidence are recorded.
Platform Pillar 02 · Open Finance
Open FinanceA separate ecosystem for the complete financial life.
Panofi broadens permissioned data exchange across lending, cards, investments, pensions, insurance, wealth, payments, utilities and other regulated or adjacent ecosystems. The same consent, registry and governance foundation can be reused across every domain.
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Multi-Domain Data ProductsPackage banking, wealth, insurance, lending, pension and payment data as governed products.
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Financial Profile AggregationCreate consented, normalized views for affordability, advice, risk and personalization.
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Embedded Finance EnablementAllow trusted partners to embed regulated financial capabilities in non-bank journeys.
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Commercial Ecosystem ModelsDefine entitlement, usage, subscription, transaction and revenue-sharing rules.
Wealth & InvestmentHoldings, portfolios, trades, goals and advice journeys.
InsurancePolicies, premiums, coverage, claims and renewal information.
Lending & CreditLoans, affordability, repayment and credit-decision inputs.
PensionsContributions, balances, projections and retirement planning.
Payments & WalletsMulti-rail transactions, balances and digital-value services.
Non-Financial DataUtility, commerce and consented alternative-data ecosystems.
Open Finance ecosystem meshCross-domain connectivity
Consent + Data + TrustPanofi
BankingAccounts & payments
InsurancePolicies & claims
LendingCredit & affordability
WealthInvestments & advice
PensionsLong-term savings
Fintech & CommerceEmbedded journeys
Registry-driven foundation
Define once. Govern everywhere. Reuse continuously.
Panofi uses enterprise registries to create a durable source of truth for data, controls, partners, cookies, agreements, APIs and evidence.
Field Registry
Control precisely which attributes can be shared, transformed, masked or encrypted.
Consent Registry
Operationalize transparent, granular, revocable and auditable permissions.
TPP Registry
Understand every third party, its rights, risks, obligations and operating status.
Cookie Registry
Design, place, classify and govern cookies across every digital property.
Contract Registry
Connect every commercial and legal obligation to the ecosystem it governs.
Canonical Registry
A common language for every financial data product.
The Canonical Registry provides the structural foundation for Open Banking and Open Finance. Business objects, fields, relationships, semantics and validation rules are centrally designed, versioned and reused across APIs, events, analytics and partner integrations.
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Domain ModelsAccounts, customers, transactions, payments, loans, cards, investments, insurance and more.
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Mapping WorkbenchMap multiple source formats into one stable canonical representation.
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Version and Impact GovernanceUnderstand downstream consumers before changing fields or relationships.
Canonical business objectCustomerFinancialProfile v3
Field
Type
Class
Rule
customerId
UUID
Internal
Required
fullName
String
PII
Mask
monthlyIncome
Decimal
Financial
Consent
riskBand
Enum
Derived
Purpose
accounts[]
Object
Banking
Scoped
Model completeness96%
Source mappings88%
Policy coverage100%
Consumer adoption81%
Field Registry
Make every attribute policy-aware.
The Field Registry stores the security, privacy, consent and usage behavior of every business attribute. Panofi can use this metadata to dynamically decide whether a field should be shared, hidden, tokenized, encrypted, masked, transformed or blocked.
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Data ClassificationPII, confidential, payment, financial, health, derived, public or custom classifications.
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Protection ControlsStatic masking, dynamic masking, encryption, tokenization, hashing and redaction.
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Sharing DecisionsAllowed purpose, TPP category, jurisdiction, customer segment and consent scope.
Field-level policy pipelineAttribute decision engine
A
Identify the requested fieldExample: transaction.counterpartyName
B
Read field classificationPII + confidential + cross-border restricted
C
Evaluate consent and purposePersonal finance management, valid for 30 days
D
Apply protection policyPartial mask or encrypt based on recipient and location
E
Record decision evidencePolicy version, result, actor, timestamp and response scope
PII & Data Protection
Protect personal data by design, from discovery to deletion.
Panofi provides a policy-driven protection layer for personally identifiable information and digital personal data. It connects data classification, notice, consent, purpose limitation, access control, minimization, retention, breach evidence and data-principal requests to the same fields, APIs, partners and processing journeys they govern.
Privacy control stackPII-aware by design
Discover & ClassifyIdentify PII, financial, sensitive, derived and regulated attributes.
MappedNotice & PurposeConnect clear notices, lawful processing purposes and data usage.
LinkedMinimize & ProtectShare only required fields with masking, tokenization and encryption.
EnforcedRetain & EraseApply policy-based retention, expiry, archival and deletion workflows.
AutomatedRespond & EvidenceManage requests, grievances, incidents and auditable proof.
AuditedProtected personal dataPII Vault
EncryptionAt rest and transit
TokenizationReplace sensitive values
Dynamic MaskingContext-aware visibility
Access PolicyRole, purpose and consent
DPDP-Aligned CapabilityNotice & Consent
Versioned privacy notices, clear purposes, consent capture, withdrawal and evidence.
DPDP-Aligned CapabilityData Principal Requests
Operational workflows for access information, correction, erasure and grievance handling.
DPDP-Aligned CapabilitySecurity Safeguards
Configurable technical and organizational controls, incident evidence and breach workflows.
DPDP-Aligned CapabilityProcessor Governance
Connect processors, sub-processors, contracts, purposes and processing instructions.
DPDP-Aligned CapabilityRetention & Erasure
Purpose-aware retention schedules, legal holds, expiry and controlled deletion.
DPDP-Aligned CapabilityChildren & Special Journeys
Configurable age checks, guardian authorization and restricted processing controls.
Panofi provides configurable capabilities to support privacy programs, including India's Digital Personal Data Protection framework. Final legal applicability and compliance decisions remain organization- and jurisdiction-specific.
Consent Management
Turn consent into a living digital contract.
Panofi manages the entire consent lifecycle from customer authorization to runtime enforcement, renewal, revocation and regulatory evidence. Consent is linked to the exact data, purpose, TPP, channel, duration and authentication event involved.
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Granular PermissionsControl products, accounts, fields, actions, frequency, duration and purpose.
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Omnichannel ConsentWeb, mobile, branch, assisted, delegated and embedded journeys.
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Customer TransparencyView, modify, pause, revoke, download and understand consent history.
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Runtime EnforcementUse consent as an active decision input during every API and data request.
Consent lifecycleContinuous control
TPP Registration & Onboarding
Onboard ecosystem partners with confidence and speed.
Panofi provides a complete digital journey for third-party registration, validation, due diligence, approvals, certificates, product access, testing, contracting and production activation.
Digital TPP onboarding journeyAutomated + governed
1RegisterOrganization, contacts and use cases
2ValidateLicense, roles and jurisdiction
3AssessRisk, security and due diligence
4ContractTerms, SLA and data obligations
5CertifyKeys, certificates and sandbox
6ActivateProducts, APIs and monitoring
Partner Self-Service
Reduce manual communication through guided, transparent onboarding.
Due Diligence & Risk
Apply differentiated controls based on partner role, use case and risk.
Certificate Lifecycle
Keep every technical identity current, trusted and traceable.
Dedicated Cookie Registry
Discover, design, deploy and govern every tracking technology.
A standalone Panofi capability for cookie inventory, automated scanning, categorization, vendor governance, banner design, regional consent, preference management, deployment and immutable evidence.
Cookie Experience & Governance
Design and govern every digital consent touchpoint.
Panofi's Cookie Registry controls how cookies and tracking technologies are created, classified, linked to sites, presented to users and governed across jurisdictions. It connects consent UX with the underlying vendor, purpose, policy and evidence model.
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Cookie DefinitionName, domain, duration, provider, purpose, category, data captured and transfer location.
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Banner & Preference DesignLayouts, languages, themes, positions, buttons, categories and accessibility.
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Website & App LinkingConnect approved cookies to specific sites, pages, apps, environments and regions.
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Scanning & Drift DetectionDetect undeclared technologies, policy drift and unauthorized vendor changes.
Cookie experience builderPreview + governance
Contract Registry
Connect legal commitments to live ecosystem operations.
Contracts in Panofi are not static documents. They are linked to TPPs, APIs, products, jurisdictions, data purposes, SLAs, liabilities and renewal milestones so operational teams can understand and enforce what was agreed.
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Template and Clause LibraryStandardize data-sharing, API, SLA, privacy, security and commercial terms.
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Approval and ExecutionRoute legal, security, privacy, business and risk approvals with complete evidence.
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Obligation ManagementTrack deliverables, audit rights, usage limits, breach conditions and reporting commitments.
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Renewal IntelligenceAutomated reminders, renewal tasks, termination workflows and impact analysis.
Active agreement portfolioLinked obligations
Data Sharing AgreementTPP: Fintech Alpha · 12 APIs · 4 purposes
ActiveService Level Agreement99.95% availability · P1 response 15 min
ActivePrivacy AddendumCross-border data controls · 3 jurisdictions
ReviewedCommercial ScheduleUsage-based pricing · Monthly settlement
ActiveSecurity, Privacy & Governance
Govern the ecosystem without slowing innovation.
Panofi embeds enterprise control into the lifecycle of data, APIs, consent, partners, cookies and agreements.
01
Policy Engine
Centralize reusable policies for access, purpose, field controls, retention, location and obligations.
02
Identity & Trust
Manage customer authentication, partner identities, certificates, roles and delegated authority.
03
Audit & Evidence
Maintain tamper-evident records of approvals, consents, requests, policy decisions and changes.
04
Data Protection
Apply masking, encryption, tokenization, minimization, residency and controlled deletion.
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Lifecycle Governance
Control design, review, approval, publication, renewal, suspension, versioning and retirement.
06
Risk Intelligence
Score partners, agreements, APIs, purposes and operational behavior using configurable signals.
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Regulatory Reporting
Generate evidence packs, consent reports, TPP inventories, incidents and compliance dashboards.
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Approval Automation
Orchestrate business, legal, privacy, security and compliance decisions with SLA controls.
Operational Intelligence
See the health of the entire financial ecosystem.
Monitor adoption, consent, TPP activity, API quality, policy decisions, contract obligations, privacy signals and operational risk in real time.
Consented data journeysLast 8 periods
Ecosystem trust score
94.6
TPP complianceAll critical certificates valid
Consent integrity99.8% policy-aligned requests
Contract obligations3 renewals due this month
Cookie governanceNo unclassified trackers detected
Extended Panofi capabilities
Everything required to operate at ecosystem scale.
API & Product Hub
Package capabilities for banks, fintechs, partners and internal channels.
Approval Workflow Studio
Automate reviews across business, legal, privacy, security and risk.
Notification & Alert Engine
Trigger context-aware communications across the ecosystem.
Data Quality & Mapping
Improve interoperability before information reaches a consuming partner.
Commercialization
Move from mandated access to sustainable ecosystem economics.
Evidence Center
Answer audits and regulatory requests with complete, connected context.
Build the next financial ecosystem with Panofi.
Launch Open Banking, expand into Open Finance, govern data at field level and operate every participant, permission, agreement and digital touchpoint through one platform.
Move to steer · Hold to accelerate