Fully Secured & Compliant
Bank-grade encryption, multi-factor authentication, and RBI-mandated consent protocols keep user data safe at every step of the data-sharing journey.
RBI-Licensed · Certificate of Registration NBFC-AA
India's Consent-First
Financial Data Layer
INK by Unacores AA gives you secure, regulated access to your users' financial data — across banks, investments, insurers, and more. Built on the Account Aggregator framework. Trusted by individuals and enterprises.
18K+
App Downloads
98%
Positive Ratings
RBI
Licensed & Compliant
#1
AA App on Play Store
Why INK AA
Built for trust, designed for scale
INK AA is the infrastructure layer that lets businesses securely understand users' finances — without friction, without compromise.
Real-Time Data Insights
Access live financial data across banks, depositories, insurers, and RTAs — enabling faster lending decisions, smarter underwriting, and richer user experiences.
User-Controlled Consent
Users decide exactly which institutions access their data, for how long, and for what purpose. Complete transparency puts financial control back in the hands of individuals.
Plug-and-Play Integration
Simple RESTful APIs with comprehensive SDKs let your development team integrate the AA framework in days, not months. Full sandbox available from day one.
Transparent Pricing
Pay only for what you use. Per-fetch pricing plans are purpose-built for every financial use case — from basic verification to full wealth management data.
Multi-Institution Coverage
Access financial data from banks, depositories, RTAs, and insurance companies — all through a single API connection to the AA network.
The Process
How INK AA works
A four-step, fully consented data flow — from user authentication to enriched financial insights delivered to your systems.
Step 01
User Authentication
The user is identified via their mobile number linked to financial accounts on the AA network.
Step 02
Consent Approval
A clear, plain-language consent request is sent to the user specifying purpose, duration, and data types. The user approves or rejects.
Step 03
Encrypted Data Fetch
INK AA retrieves data from the relevant Financial Information Providers (FIPs) using the user's signed consent artefact.
Step 04
Data Delivered to FIU
Structured, standardised financial data is delivered securely to your platform (as the Financial Information User) for analysis and decision-making.
Use Cases
Built for every financial need
From digital lenders to wealth platforms, INK AA powers the financial data layer across India's fintech ecosystem.
Digital Lending
Speed up loan underwriting by accessing verified bank statements, salary accounts, and credit history — reducing turnaround from days to minutes.
Wealth Management
Give advisors a complete picture of client portfolios — equities, mutual funds, fixed deposits, insurance, and more — all with user consent.
Insurance Underwriting
Assess financial stability and income patterns accurately with consented access to transaction histories across multiple accounts.
Auto-Repayment Monitoring
Trigger intelligent loan repayment workflows based on real-time account balance visibility — reducing defaults and improving collections.
Pricing
Transparent, use-case-based pricing
No hidden fees. No surprises. Pay per fetch or per month — plans designed for every financial use case.
Basic Verification
₹
0.5
per fetch
- Profile & Account Summary
- 1 Account Only
- No Transaction History
Loan & Insurance
₹
3
per fetch
- Up to 14 Months Transaction History
- Salary or Business Account
- Fixed Deposits & Securities
Risk Profiling
₹
1
per fetch
- Up to 6 Months History
- 5 Fetches / Month
- Salary or Business Account
Auto-Repayment Trigger
₹
0.60
per fetch
- Max Once a Day
- Salary or Business Account
- Loan Repayment Trigger
Personal Finance
₹
6
/ month
- 13 Months Transaction History
- Consolidated Asset Position
- Salary & Investment Accounts
Wealth Management
₹
6
/ month
- 20 Years Holdings Data
- All Account Classes
- Banks, Depositories, RTAs, Insurers
Testimonials
Trusted by users across India
From small business owners to marketing professionals — real stories from real users of the INK AA platform.
"The Account Aggregator app made loan applications so much easier. Sharing verified data securely saved me hours of paperwork. It's a must-have for anyone looking to simplify their financial life."
"What I love most is the control it gives me over my data. I decide who gets access to my financial information and for how long. It's secure, transparent, and puts me in charge — a truly empowering experience."
Insights
Latest from the INK blog
Stay ahead of the curve with updates and analysis on India's Account Aggregator ecosystem.
August 15, 2024
From Digital Freedom to Data Freedom: UPI Lessons for AA
UPI transformed India's payments in five years. What will it take to make Account Aggregation the next big fintech leap?
August 25, 2024
Simplifying Credit Access: The Role of Account Aggregators
Discover how AAs are cutting loan approval times by giving lenders real-time, consented access to verified financial data.
July 05, 2024
Data Privacy in the Age of Account Aggregators
How consent-based data sharing works — and why it's a game-changer for both consumers and financial institutions.
Ready to power your platform with consented financial data?
Join India's growing network of FIUs and FIPs on the Account Aggregator framework. Get started in minutes with our developer-friendly API.
Regulatory Disclosure: Unacores AA Solutions Private Limited holds a Certificate of Registration granted by the Reserve Bank of India (RBI) to operate as an Account Aggregator, dated 07.06.2023, under Section 45-IA of the Reserve Bank of India Act, 1934. The RBI does not accept any responsibility or guarantee about the present financial soundness of the company or for the correctness of any statements or representations made by the company.