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Your bank: the specification.

Today, the assistant reads your bank's CSV export. API access is set up only if your bank meets the conditions below. sme luxembourg decides, bank by bank. And you decide what it sees and what it can do.

The seven conditions

  1. Read-only, through an official interface

    The bank's API, or a provider licensed for account-information access (PSD2). Never your login credentials, never a robot logging in as you.

  2. A scope chosen by you

    The accounts, and the period. Nothing else.

  3. Revocable without going through us

    Consent is withdrawn from your bank's interface, at any time.

  4. An access log

    Every read is dated and viewable, on your premises.

  5. No credentials stored

    Neither at the assistant nor at the publisher. The access token stays on your machine.

  6. Never a payment

    The access cannot initiate a transfer. If the bank does not separate reading from paying, we stay with CSV.

  7. An intermediary licensed in the European Union, if any

    Licensed by an EU authority, servers in the EU, written contract.

What you decide

  • What it sees: which accounts, which period.
  • What it can do: read. Never pay.
  • When it stops: you revoke, from your bank, without asking us.

How we review a bank

  • We read its access documentation.
  • We test with a read-only account.
  • We check revocation and the log.
  • We decide: API access, or CSV for now. The answer is written in your file.

Status on 21/10/2026

BankCSV exportRead-only API access
Revolut BusinessExport verifiedThe bank's own API, documented read-only scope. Demonstration in progress.
BGL BNP Paribas, BIL, Banque RaiffeisenExport verified at setupPSD2 API published on each bank's site, reserved for licensed providers: goes through a licensed intermediary. Review in progress.
Other banksCSV or Excel export, verified at setupReviewed at a client's request

Questions

Is CSV reliable?
Yes. It is the same statement as in your e-banking. The assistant reads it, matches each transaction with its document, and tells you what is missing.
Are you permanently connected to my bank?
No. With CSV, nothing is connected. With the API, reads happen at agreed hours, and each one is in the log.
My bank is not on the list.
We stay with CSV, which works. A bank is reviewed when a client asks.
A partnership with my bank?
No. No agreement with any bank. A specification, and a review bank by bank.

What it never does without you

It doesn't pay. It doesn't send. It doesn't sign. It doesn't commit your company.

  • Draft mode

    Every e-mail, every request waits for your approval.

  • Log

    Every action is traced, dated, readable.

  • Kill switch

    One gesture, and all sending stops.

  • Sending cap

    A maximum number of sends per day, and a copy to you every time.

5-minute check

Six questions about your business. You see right away the volume of documents to track over a year, what the assistant would take over, and a setup range.

No commitment. No newsletter.

Start the check