What is Moneyone?
Moneyone is the infrastructure technology stack developed by Fintech Products and Solutions India Pvt. Ltd., engineered to enable secure, scalable, and regulation-compliant access to the Account Aggregator (AA) ecosystem. The platform comprises modular backend systems for Financial Information Users (FIUs) and Financial Information Providers (FIPs), fully aligned with the RBI’s AA framework and the technical standards defined by ReBIT.Platform Components
FinPro for FIUs
Complete toolkit for Financial Information Users to consume customer-permissioned financial data through the AA ecosystem
FinShare for FIPs
Infrastructure for Financial Information Providers to securely share encrypted financial data in response to consented requests
Why Moneyone?
For Financial Information Users (FIUs)
Moneyone’s FinPro enables lenders, insurers, wealth managers, and fintech platforms to quickly integrate with the Account Aggregator ecosystem without building individual connections to each AA. The platform handles:- Consent request creation and management across multiple AAs
- Smart routing logic to optimize coverage and success rates
- Automated data fetching and webhook notifications
- Built-in analytics and transaction categorization
- Compliance with RBI, ReBIT, and IT Act standards
For Financial Information Providers (FIPs)
FinShare helps banks, mutual funds, insurance providers, and other regulated entities participate in the AA network by:- Managing consent verification and validation
- Encrypting and delivering financial data securely
- Handling account discovery and linkage workflows
- Ensuring zero data retention compliance
- Supporting all AA-compliant data formats
Core Capabilities
Multi-AA Integration
Moneyone is interoperable across all RBI-licensed Account Aggregators, including Onemoney, CAMS Finserv, NESL, FinVu, and others. This enables dynamic routing, improved coverage, and resilience against single-AA dependencies.Smart AA Router
Intelligent traffic distribution logic balances coverage, health metrics, and performance across multiple Account Aggregators. The router automatically re-routes in case of downtime and optimizes based on FIP availability.Zero Data Retention
Following RBI’s data minimization principles, Moneyone does not store financial data. All information flows through encrypted channels with end-to-end security, ensuring data is only accessible to the consented parties.Compliance Framework
Built-in adherence to:- RBI Account Aggregator guidelines
- ReBIT technical specifications
- Personal Data Protection norms
- IT Act 2000 requirements
- Audit trail and consent artifact management
Enterprise-Grade Infrastructure
- Linux-based containerized deployment
- NGINX load balancing and reverse proxy
- Node.js runtime for scalable data processing
- MySQL-backed schema store with well-defined AA data models
- TCP/IP-secured communication between layers