Transaction Intelligence API
Your transaction feed is 30% wrong. We fix it in 200ms.
Spendaq is a real-time reclassification and cash-flow forecasting API for SMB banking apps. Drop it into your open banking pipeline — accurate categories and forecasts ship in days, not months.
The Problem
Open banking APIs deliver data. Not accuracy.
Plaid, Tink, Truelayer — they connect bank accounts and deliver transaction streams. But miscategorization rates of 20–35% are industry-normal. That garbage goes straight into your cash-flow dashboards.
The Solution
One API call. Accurate categories. Forecast-ready.
Spendaq sits between your open banking data feed and your SMB dashboard. POST a transaction batch, receive corrected categories + a 90-day cash-flow forecast signal in under 200ms.
See how it works
Capabilities
Built for banking product teams
Real-time reclassification
Batch or streaming. Corrects miscategorized transactions from any open banking feed in under 200ms.
Cash-flow forecast API
90-day rolling forecast signal derived from corrected transaction history. Embed directly in your SMB dashboard.
Feed-agnostic integration
Works with Plaid, Tink, MX, Truelayer, and raw bank CSV exports. No re-engineering your data pipeline.
Bank-grade data handling
All transaction data processed in isolated compute. Zero retention after classification. SOC 2 controls in progress.
Early customers
What banking teams are saying
"We dropped Spendaq into our Plaid pipeline in under a week. Cash-flow accuracy went from embarrassing to something we can actually show enterprise SMBs."
"The <200ms latency is real. Our customers get live category corrections in the feed — no nightly batch, no data lag."