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Transaction Intelligence API

Turn raw transactions into categories your users understand

Openaggr classifies every bank transaction and surfaces cashflow insight in milliseconds, the intelligence layer a finance app needs but should not build itself.

The intelligence layer behind apps built for real-money decisions
Verdant Bank
Finterly
Klarity
Norva
How it works

From raw string to structured insight

Every bank transaction arrives as a messy string. Openaggr normalizes, classifies, and enriches it in a single API call.

Input
Raw bank string
ORIGINAL TRANSACTION DESC
"WHOLEFDS MKT #12345 0612 AUSTIN TX"
"UBER * TRIP HELP.UBER.COM CA"
"AMZN MKTP US*2A93B1F2 AMZN.COM/BILL WA"
Output
Structured enriched object
Whole Foods Market Groceries
Uber Transport
Amazon Shopping
Capabilities

The numbers behind the enrichment pipeline

1,200+
Merchant categories
Hierarchical taxonomy. Top-level categories expand into subcategories with color tokens your UI layer can use directly, no mapping table required.
<80ms
Real-time enrichment latency
95th percentile response time. Enrichment runs synchronously inside your transaction ingestion pipeline, not as an async batch job.
14
Recurring bill pattern types
Subscriptions, utilities, rent, irregular recurring charges. Detected and labeled automatically per transaction.
30-day
Cashflow forecast
Per-category spending projection built from enriched transaction history. Income vs. expense split included. Surfaced via the /cashflow endpoint.
Category taxonomy

1,200 categories, organized for real users, not accountants.

The taxonomy is designed for the spending breakdowns users actually read, not for reconciliation ledgers. Every category includes a color token, an icon identifier, and subcategory depth ready for your UI layer.

Top-level categories with sub-category depth
Color token per category for instant UI mapping
Custom taxonomy available on Scale plan
Food and Drink
Restaurants Coffee Shops Groceries Fast Food Delivery
Transport
Rideshare Fuel Parking Public Transit
Entertainment
Streaming Gaming Events
Health
Pharmacy Fitness Medical
6-Week Spending Trend
Food and Drink
Transport
Groceries
$600 $300 $0 W1 W2 W3 W4 W5 W6

30-day cashflow forecast, per category

The /cashflow endpoint builds a 30-day forward projection from enriched transaction history. Each category gets its own spending curve. Recurring charges are separated from discretionary spend so your projected balance feature stays accurate when a subscription renews mid-month.

Category-level weekly and monthly trend lines
Recurring charge separation from discretionary spend
Income vs. expense net position per 30-day window
See how it works
What developers say

From the engineers who integrated it

"We had burned three sprints building and re-training a category model that still mislabeled half the gig economy merchants. Openaggr was integrated in a day. The color token system mapped straight into our spending breakdown UI with no intermediate layer."

T
Tariq W.
Head of Product, a fintech app serving gig workers

"We maintained a regex ruleset for recurring charge detection that needed manual updates every quarter. Openaggr's API handles 14 pattern types automatically, including the irregular utility and insurance charges our regex never caught. Latency is well inside our ingestion SLA."

E
Elena D.
Lead Backend Engineer, a neobank focused on immigrant communities
Pay per enrichment. No minimums.
Start free with 10,000 enrichments/month. Scale to production when you are ready.
See pricing

Start enriching transactions in under an hour

Free tier. No credit card. Production keys in 5 minutes.