Integration of Banking APIs (any) with the ASI Biont AI Agent: Automate Your Finances Without Code

Integration of Banking APIs (any) with the ASI Biont AI Agent: Automate Your Finances Without Code

Accounting routine eats up hours. Statements, reconciliations, transfers, forecasts — every month the same. The banking app shows the balance, but to get analytics, you have to manually download data and arrange it in Excel. And if you have multiple accounts in different banks, this task turns into a full day of work.

The ASI Biont AI agent solves the problem differently. It connects to banking APIs through a natural language dialogue, writes the integration code itself, and performs any operations — from collecting transactions to automatic payments. No control panels, dozens of buttons, or waiting for developers to add support for your bank. Everything happens in chat.

In this article, we'll look at how the Banking APIs (any) integration with ASI Biont works, what scenarios it covers, and how to connect it in a couple of minutes.

What is Banking APIs (any) and why connect it to AI

Banking APIs (any) is not a specific service but a whole category of APIs for working with banking data. They emerged thanks to Open Banking and the European PSD2 directive (Directive (EU) 2015/2366), which required banks to give third-party developers access to accounts and payments with the client's consent. Today, almost every major bank has an API, as do aggregators like Plaid, TrueLayer, Tink, and Nordigen.

API (Application Programming Interface) is a set of rules by which one program communicates with another. In the case of banks, the API can provide balances, account lists, transaction history, and initiate transfers. This programmatic contact is exactly what an AI agent needs to work with your money automatically.

To work with a banking API, you need a special access key — a long string of characters that confirms your identity. You get it in the developer dashboard and give it to the AI agent. The key is something like an electronic signature, so it should be kept secret.

Why connect AI if there's a personal account? The personal account contains only part of the data, while the API gives full programmatic access. With it, you can receive every transaction in real time, combine accounts from different banks, and build forecasts. It's hard for a human to manually deal with JSON and HTTP requests. ASI Biont takes over the technical part and turns requests into ready-made API commands. There's no need to know which REST method to call, how to compose JSON, or how to handle the response — the agent does it all and explains the result in plain language.

How the Banking APIs (any) integration works

The connection works through a universal abstraction layer. ASI Biont doesn't tie itself to a specific bank: it analyzes the API structure, endpoint descriptions, and automatically builds a sequence of calls for your task.

The process looks like this:

1. You give the agent an API key from a bank or aggregator — for example, Plaid, Tink, or Nordigen.
2. You formulate a request in natural language: "Show all transactions for the last week on the business account."
3. ASI Biont identifies the required API methods, forms HTTP requests, and processes responses.
4. The agent returns the result in a convenient form — as a table, chart, or text summary.

At each step, the agent explains: which method was called, what data was received, and what it's going to do next. If an operation requires confirmation — for example, a money transfer — the agent will stop and ask for permission.

What scenarios can be covered

A unified view of all accounts

If you have multiple accounts with different banks, reconciling them manually is difficult. ASI Biont connects to each API and collects balances, turnovers, and transactions into a single report. Just ask: "How much money is in total on the accounts and what's the forecast for the end of the month?" — and the agent will handle all the requests itself.

Automatic payments

You can set up recurring transfers: employee salaries, subscription payments, reserve top-ups. The agent will execute them on schedule, and if the balance deviates, it will adjust the amount or warn you about the problem.

Monitoring suspicious transactions

The AI agent can monitor incoming transactions in real time and immediately report unusual debits. For example, if someone tries to use your card in another country, you'll find out in the chat before the bank notification arrives.

Reconciliation and reporting

An accountant doesn't need to manually reconcile statements across multiple accounts. The agent matches transactions, finds discrepancies, and creates a ready-made report for internal accounting — you just need to save it.

How to connect Banking APIs (any) in a couple of minutes

Connecting takes just a few steps:

1. Go to the developer dashboard of your bank or aggregator.
2. Create an app and get an API key. For most services, clicking a couple of buttons is enough.
3. In ASI Biont, open the integrations section and select Banking APIs (any).
4. Paste the key and give the agent instructions: which operations are allowed and which require confirmation.
5. Test the connection with a test request — for example, "Show balance."

After that, the agent is ready to work. To switch banks, you just add another key — all data will be combined automatically.

How secure is this

An API key is access to your financial data, so it's worth following a few rules:

• Don't share the key with third parties or store it in plain text.
• Use read-only keys where you only need analytics.
• For payments, set up mandatory confirmation for each transfer.
• Periodically rotate keys in the developer dashboard.

ASI Biont processes credentials in encrypted form and doesn't send them externally. All communication with the banking API goes directly between the agent and the bank.

Conclusion

Banking APIs (any) removes the main barrier between you and your finances — technical complexity. Instead of control panels, JSON responses, and reading documentation, you get a simple dialogue with an agent that figures out the API itself, performs operations, and helps you make decisions. Connection takes minutes, and use cases are limited only by your tasks.

Try starting small: connect one bank's API and ask the agent to gather analytics on your expenses for the month. Then go bigger. You'll be able to set up automatic weekly summaries, link budgets to projects, and receive limit-exceeded notifications right in the chat. The agent will remember your preferences and offer optimizations: for example, it might notice you're paying for a subscription you don't use, or that it's time to move some funds to a deposit with a higher rate.

The main thing is not to be afraid to start. Banking APIs (any) is designed to be as beginner-friendly as possible. We've seen accountants with no programming experience connect their banks and discuss transactions with the agent five minutes later. Technology should work for you, not the other way around.

If you need help, check the ASI Biont documentation or contact support — we'll help you build the scenario you need. And once you get the hang of it, you'll wonder how you ever managed without it. Connect, try it out, and may your finances always be under control.