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Introduction

Connect is a Financial API Gateway and Service Orchestration Platform built to securely expose, manage, and orchestrate services across banking, NBFC, and financial services ecosystems.

It enables organizations to configure services without writing code, while applying enterprise-grade gateway controls such as routing, rate limiting, encryption, logging, and quality-of-service policies.

Deployment Scenarios​

Connect is designed to support multiple architectural patterns commonly found in financial ecosystems.

Open Banking​

Expose regulated APIs securely to partners and third-party providers.

Connect enables:

  • Controlled partner onboarding
  • Strong authentication and message security
  • Rate limiting per partner
  • Detailed audit logging
  • Payload encryption and masking

API Gateway​

Securely expose internal services to external or internal consumers.

Typical scenarios:

  • Core banking API exposure
  • Loan origination integrations
  • Payment service exposure
  • Partner and fintech integrations

Orchestration​

Use Connect as a lightweight service bus to orchestrate multiple systems.

With Blend Services, Connect can:

  • Chain multiple services
  • Transform and aggregate responses
  • Apply conditional routing
  • Handle retries and fallback logic

External Integrations​

Connect enables secure and standardized integration with external financial systems and service providers.

Organizations commonly integrate with:

  • Credit bureaus
  • Payment gateways
  • Core banking systems
  • Loan Origination Systems (LOS)
  • KYC and verification vendors
  • Fintech platforms and aggregators

Using Service Providers, Provider Accounts, and Message Profiles, Connect standardizes authentication, encryption, signing, and message transformation across all external systems while providing unified monitoring and logging.

Service Types​

Connect supports multiple service types:

REST Services​

Standard REST endpoints routed to downstream services.

Blend Services​

Orchestration services that combine multiple services into one unified endpoint.

Data Services​

Database-backed services that expose controlled Select or Update operations as APIs.

Relay Services​

REST endpoints that relay to non-REST systems such as SOAP/XML web services.

Built-In Integrations​

Connect includes pre-configured integrations for commonly used financial infrastructure and service providers.

These integrations accelerate onboarding while ensuring consistent authentication, encryption, and observability controls.

Identity Verification​

  • Aadhaar, Driving License, PAN (UIDAI & DigiLocker)
  • Protean (Voter Id, Driving License, PAN)
  • Central KYC (CERSAI)

Risk & Credit​

  • Credit Bureaus (CIBIL, Highmark)
  • AML Checks (Screenza, Ziagram)
  • Negative List Screening

Banking Details​

  • Penny Drop / Pull (Razorpay)
  • Cheque OCR (Karza)
  • Account Aggregator & Bank Statement Analysers (Perfios)

Business Verification​

  • GST Verification & Tax Credits
  • PAN (NSDL)
  • MSME Registration & Company Registration (MCA)

Asset Verification​

  • Property (CERSAI)
  • Vehicle (Vahan)

Digital Signature​

  • E-Signing (NSDL, Digio, Leegality)
  • E-Stamping (Digio, Leegality)

Additional integrations can be configured using the Provider and Message Profile framework.

Integration Architecture​

Connect introduces a structured integration model built around:

  • Service Providers
  • Provider Accounts
  • Message Profiles

This model separates integration concerns from service logic and enables:

  • Flexible authentication mechanisms
  • Request and response encryption
  • Digital signing and verification
  • Message transformation
  • Standardized integration governance

By centralizing integration configuration, Connect ensures consistent security controls and observability across all external systems.

Observability​

Connect provides:

  • Detailed logs with masking and encryption
  • Monitoring dashboards
  • Custom alarm configuration
  • Mock services for testing
  • API documentation generation

Where Connect Sits​

Connect typically sits between:

  • External consumers (partners, fintechs, mobile apps)
  • Internal systems (core banking, payment engines, third-party services)

It ensures secure exposure, controlled access, observability, and orchestration across systems.

Continue to Architecture to understand the architecture and core building blocks of Connect.