Quiltt API - Fintech API for Seamless Financial Data Integration | Fintegration

Quiltt API: The Unified Open Banking API for US Fintech Builders

If you're building a financial product in the US and need to connect to bank accounts, pull transaction data, or verify income — you've probably hit a wall. Every data provider has its own API format, its own contract, its own SDK. The Quiltt API was built specifically to eliminate that friction.

Quiltt is a unified open banking API that lets US fintech developers access multiple financial data aggregators — including MX, Finicity, and Akoya — through a single integration and a single contract. Instead of maintaining separate connections to each provider, you build once with Quiltt and get coverage across thousands of US financial institutions.

What Is the Quiltt API?

The Quiltt API enables financial innovators to access the best account aggregation and transaction enrichment providers through one lightweight integration and one simple contract. Lendapi Think of it as the coordination layer that sits between your fintech application and the underlying data networks — so your engineering team spends time building your product, not managing provider quirks.

GraphQL powers Quiltt's platform, simplifying open banking integrations by allowing developers to query exactly the data they need from multiple providers through a single, unified API — eliminating the complexity of juggling different APIs, normalizing messy data formats, and making multiple requests.

How the Quiltt API Works

At its core, the Quiltt API operates in three layers:

1. Connect — Embed the Quiltt Connector into your app. With pre-built integrations and a user-friendly interface, the Connector enables secure authentication, account linking, and data access — all without writing a single line of integration code.

2. Query — Once connected, use Quiltt's GraphQL API to pull exactly the data fields you need: balances, transactions, account metadata, income signals, and more.

3. Enrich — Go beyond raw transaction data. Leverage Quiltt's enrichment providers to categorize transactions, identify spending patterns, and derive valuable insights to fuel your product features.

Quiltt API vs. Building Direct Integrations

Quiltt significantly reduces the complexity and resource investment required to leverage open banking data — with one contract, one integration, one support team, and one bill. 

Quiltt API: Supported SDKs & Platforms

Quiltt provides SDKs for web (HTML/JavaScript, React), mobile (React Native, Flutter, iOS, Android), and server-side integration. QUITT This means whether your team is building a neobank app, a lending dashboard, or a budgeting tool, you're covered on every platform without stitching together separate packages.

Technical Code Example: Querying Account Data with Quiltt's GraphQL API

Below is a sample GraphQL query to fetch a connected user's account balances and recent transactions using the Quiltt API:

query GetAccountData($profileId: ID!) {
  profile(id: $profileId) {
    accounts {
      nodes {
        id
        name
        type
        balance {
          available
          current
          currency
        }
        transactions(first: 10) {
          nodes {
            id
            date
            amount
            description
            category
          }
        }
      }
    }
  }
}

Sample API Call (Node.js / JavaScript)

const response = await fetch("https://api.quiltt.io/v1/graphql", {
  method: "POST",
  headers: {
    "Content-Type": "application/json",
    "Authorization": `Bearer ${QUILTT_API_TOKEN}`
  },
  body: JSON.stringify({
    query: `
      query {
        profile(id: "PROFILE_ID") {
          accounts {
            nodes {
              name
              balance {
                available
                current
              }
            }
          }
        }
      }
    `
  })
});

const data = await response.json();
console.log(data.data.profile.accounts.nodes);

Key Use Cases for the Quiltt API in the US

Account Funding & Verification — Link bank accounts during onboarding and verify ownership before initiating ACH transfers. Quiltt's smart routing ensures you get the best connection success rate for each user's specific bank.

Transaction Monitoring — Power personal finance apps, expense trackers, and spending dashboards using enriched, categorized transaction data — not just raw feeds.

Underwriting & Lending — Smart routing enables broader coverage, higher conversion rates, and more reliable data for use cases like account funding, transaction monitoring, and underwriting. Quiltt

Income & Asset Verification — Pull account history and balance trends to verify income for lending decisions without requiring document uploads.

Real-Time Balance Checks — Prevent overdrafts, reduce failed payments, and improve user trust with live balance data before initiating transactions.

Quiltt API Features at a Glance

Why US Fintech Teams Choose the Quiltt API

Building in the US open banking space means dealing with fragmented coverage — no single aggregator reaches every bank and credit union. Quiltt solves this with a multi-provider approach that routes each user connection to the aggregator most likely to succeed for their specific institution.

Quiltt automatically connects to the best data aggregator for each user's specific financial institution, ensuring optimal data quality and coverage — and you can mix and match data providers to create the perfect stack for your needs, adapting your data sources as your requirements evolve without ever changing your core integration. QUITT

For US startups and growth-stage companies, this also means avoiding the large minimum commitments that come with signing directly with major aggregators.

You benefit from Quiltt's aggregated buying power and avoid minimum monthly commitments with individual providers. QUITT

How FintegrationFS Helps You Integrate the Quiltt API

At FintegrationFS, we work with US fintechs, credit unions, and neobanks to integrate the Quiltt API into production-grade financial applications. Our team handles the full integration lifecycle — from embedding the Quiltt Connector into your onboarding flow, to building the GraphQL query layer, to connecting enriched data to your lending or analytics engine.

We've shipped 100+ fintech products and hold official partner status with leading open banking platforms. When you work with us, you're not getting a generic dev shop — you're getting engineers who know financial data infrastructure inside and out.

FAQ

Q1. What is the Quiltt API used for? 

The Quiltt API is used to connect financial applications to bank account data, transaction history, balances, and enriched insights — all through a single GraphQL-based integration. It's widely used in the US for account verification, lending underwriting, personal finance apps, and neobank products.

Q2. How is the Quiltt API different from Plaid? 

Plaid is a single data aggregator, while Quiltt is a unified API layer that sits on top of multiple aggregators including MX, Finicity, and Akoya. With Quiltt, you integrate once and get broader US bank coverage through smart provider routing — rather than locking into one provider's ecosystem.

Q3. Does the Quiltt API support GraphQL? 

Yes. The Quiltt API is built on GraphQL, which means developers can request exactly the fields they need in a single query — reducing over-fetching, simplifying data normalization, and speeding up development.

Q4. What SDKs does Quiltt support? 

Quiltt provides official SDKs for React, React Native, Flutter, iOS (Swift), Android, and plain HTML/JavaScript — covering virtually every modern web and mobile tech stack.

Q5. Do I need separate API keys from each data provider?

No. Quiltt manages the underlying provider credentials on your behalf. You integrate with Quiltt using a single API token. If you already have your own Plaid or MX keys, you can configure Quiltt to use those instead.

Q6. Is the Quiltt API compliant with US open banking regulations? 

Quiltt is built with awareness of CFPB's Reg 1033 (the open banking data-sharing rule for US financial institutions). It is a suitable infrastructure choice for US fintechs building consumer-permissioned data products.

Q7. What is Quiltt's pricing model? 

Quiltt uses a usage-based pricing model tied to the number of connected accounts and the specific providers and features you use. There are no large minimum monthly commitments per individual provider — a significant cost advantage for early-stage and growth-stage US fintechs.

Q8. Can FintegrationFS integrate the Quiltt API into my existing app? 

Yes. FintegrationFS specializes in Quiltt API integration for US fintech products. Whether you need account linking, transaction enrichment, or a full open banking data layer, our team can scope and deliver the integration. Contact us to discuss your requirements.