OFD
Open Finance Data
Use-case console
service online

Capability Landscape — Europe

What gets built on open-banking transaction data, grouped by Mastercard priority — who already ships it in Europe, and where Mastercard has a moat (and why).

Differentiate (moat) Comply (regulatory) Match (parity) ● Demo ready = running in this prototype — click to open

Account Holder Verification EU · EPC scheme codes

Confirm the claimed name matches the holder of the IBAN before a credit transfer. Headless API: POST /verify-account-holder — this console is a lens on it.

Verify an account holder

Quick demos — pick an account, then tweak the name:
Match codes: MTCH match · CMTC close match (returns the real name) · NMTC no match · NOAP not applicable.

Result

verifications
verified rate

Match-code distribution

No data yet.

Recent verifications

No verifications yet.

Balance Check OFD balances · FDX-aligned

Retrieve an account's available & current balance — the OFD balances data product. Headless API: POST /balance-check — this console is a lens on it.

Check a balance

Quick demos — pick an account:
Note: OFD ships balances (availableBalance / currentBalance) and the caller decides. The sufficientForAmount helper here is a caller-side convenience, not a PSD2 confirmation-of-funds (that boolean is a bank-side scheme function).

Result

balance checks
sufficient rate (of w/ amount)

Recent balance checks

No balance checks yet.

Cash Flow OFD Decisioning · cashFlowPersonal

Monthly inflow, outflow & net for an account — the analytics layer behind Lending & PFM. Headless API: POST /cash-flow — this console is a lens on it.

Generate report

Quick demos — pick an account:
OFD's cashFlowPersonal report. Net = credits − debits; less transfers excludes money moved between own accounts. The same report feeds both Lending decisioning and PFM money-management.

Monthly cash flow

reports generated
avg monthly net (all reports)

Recent reports

No reports yet.

Verification of Income Lending · OFD VOI

Detect recurring income streams with cadence, net/gross annual & confidence — the core lending artefact. Headless API: POST /verify-income.

Verify income

Quick demos:

Income streams

income reports
avg est. gross annual

Recent reports

No reports yet.

Verification of Assets Lending · OFD VOA

Consolidate the customer's accounts into assets — balances, average monthly balance, NSF signals. Headless API: POST /verify-assets (spans all the customer's accounts).

Verify assets

Quick demos:

Assets

asset reports
avg consolidated balance

Recent reports

No reports yet.

Spending Insights PFM · enrichment composition

Categorised spend, top merchants & subscriptions — the PFM view assembled over transaction enrichment. Headless API: POST /spending-insights.

Analyse spending

Quick demos:

Where the money goes

Top merchants

—

Subscriptions

None detected.

MCC Normalisation Network · ISO 18245

Normalise inconsistent acquirer MCCs to the canonical ISO-18245 code per merchant — a scheme-side fix only Mastercard can ship. Headless API: POST /normalize-mcc.

Normalise MCCs

Quick demos:
The same merchant gets coded differently by acquirers (e.g. a supermarket as 5499 instead of 5411). Mastercard owns ISO 18245 + the scheme merchant DB, so it can normalise to the canonical code.

Normalisations made

reports run
of txns normalised

Recent reports

No reports yet.

Carbon Footprint PFM · ESG · spend-based

Estimate CO₂ per transaction from category × amount. Illustrative emission factors — POST /carbon-footprint.

Estimate footprint

Quick demos:

Footprint by category

avg monthly CO₂ (all reports)

Top emitters

—

Subscriptions PFM · recurring + price-creep

Detect recurring commitments and catch price-creep. Headless: POST /subscriptions.

Find subscriptions

Quick demos:

Recurring payments

price rises caught (all reports)
Price-creep = a recurring charge that rose between its earliest and latest occurrence. The dataset bumps some streaming subs +15% after month 6.

Affordability Lending · income vs obligations

Income vs committed outgoings → disposable income, DTI & a lending band. Composed over Cash Flow + Income — POST /affordability.

Assess affordability

Quick demos:

Affordability assessment

avg disposable income (all reports)
Band: STRONG (DTI<30%, positive cashflow) · MODERATE (DTI<50%) · STRETCHED (DTI≥50% or negative). Composed from income + recurring obligations.