ACCOUNT AGGREGATOR

India’s most reliable multi-AA gateway with intelligent AA-FIP routing

Secure, authentic, user-consented financial data sharing built for higher consent conversion and data fetch success.

Access multi-AA gateway

TRUSTED FOR CONSENTED FINANCIAL DATA

ICICI Bank

DMI Finance

HDFC Securities

Dhan

MULTI-AA NETWORK

One platform with 100+ FIPs and 5+ Account Aggregators integrated

INTELLIGENT AA ROUTING

An orchestration brain built to maximize consent conversion and data fetch

Route customers using live AA-FIP health, deliver a native multi-AA journey, and see the full funnel in one place.

Account Aggregator routing between Finvu, saafe and Onemoney by conversion rate

LIVE AA-FIP HEALTH ROUTING

Route every customer to the highest-converting AA

Read live AA-FIP health and automatically route around provider and FIP performance issues.

Access multi-AA gateway

LIVE AA-FIP HEALTH ROUTING

Route every customer to the highest-converting AA

Read live AA-FIP health and automatically route around provider and FIP performance issues.

Access multi-AA gateway

LIVE AA-FIP HEALTH ROUTING

Route every customer to the highest-converting AA

Read live AA-FIP health and automatically route around provider and FIP performance issues.

Access multi-AA gateway

FIP performance chart showing 99.8% uptime across a bar series

ENHANCED FIP HEALTH API

See DFSR and downtime for every FIP in real time

Monitor availability and data fetch performance, then route around underperforming FIPs instantly.

View developer docs

ENHANCED FIP HEALTH API

See DFSR and downtime for every FIP in real time

Monitor availability and data fetch performance, then route around underperforming FIPs instantly.

View developer docs

ENHANCED FIP HEALTH API

See DFSR and downtime for every FIP in real time

Monitor availability and data fetch performance, then route around underperforming FIPs instantly.

View developer docs

NATIVE MULTI-AA MOBILE SDK

Own the consent journey with zero redirection

Deliver one unified branded flow and improve consent conversion by 8–10% without fragmented AA redirects.

See the SDK

NATIVE MULTI-AA MOBILE SDK

Own the consent journey with zero redirection

Deliver one unified branded flow and improve consent conversion by 8–10% without fragmented AA redirects.

See the SDK

NATIVE MULTI-AA MOBILE SDK

Own the consent journey with zero redirection

Deliver one unified branded flow and improve consent conversion by 8–10% without fragmented AA redirects.

See the SDK

Consent conversion funnel from FIP selected to at least one account discovered

FULL FUNNEL ANALYTICS

Track consent conversion stage by stage

See every step from opened consent to verified accounts, with operational dashboards and funnel visibility.

Explore analytics

FULL FUNNEL ANALYTICS

Track consent conversion stage by stage

See every step from opened consent to verified accounts, with operational dashboards and funnel visibility.

Explore analytics

FULL FUNNEL ANALYTICS

Track consent conversion stage by stage

See every step from opened consent to verified accounts, with operational dashboards and funnel visibility.

Explore analytics

RELIABLE AT SCALE

Higher consent conversion and stronger data fetch success

Use one flow to operate across multiple Account Aggregators and more than 100 Financial Information Providers.

90% better data fetch success

Route using live AA-FIP performance instead of relying on a single static path.

90% better data fetch success

Route using live AA-FIP performance instead of relying on a single static path.

5+ AAs integrated

Manage multiple Account Aggregators through one orchestration and consent layer.

5+ AAs integrated

Manage multiple Account Aggregators through one orchestration and consent layer.

100+ FIPs connected

Access broad financial-data coverage across the institutions customers already use.

100+ FIPs connected

Access broad financial-data coverage across the institutions customers already use.

Access multi-AA gateway

FIU-CENTRIC GROWTH

Transform cost centres into financial-data profit drivers

Use accurate, consented FIP data to improve lending, investment experiences, and personal financial management.

Lenders

Classify income in real time, verify salary or gig earnings, and accelerate loan processing.

Lenders

Classify income in real time, verify salary or gig earnings, and accelerate loan processing.

Brokers

Access investment and asset data for real-time net worth and portfolio composition.

Brokers

Access investment and asset data for real-time net worth and portfolio composition.

Personal financial management

Build cash-flow views, wealth profiles, insurance cross-sell, HNI segmentation, and advisory experiences.

Personal financial management

Build cash-flow views, wealth profiles, insurance cross-sell, HNI segmentation, and advisory experiences.

Dhan’s success story

50%

of onboarding automated with AA

75%

lower verification cost

AA didn’t just save us money—it allowed us to scale, verify faster, and meet the user experience our traders expect. It’s a win in every way.

Anirudha, Senior Product Manager, Dhan

Read Dhan’s success story

50%

of onboarding automated with AA

75%

lower verification cost

AA didn’t just save us money—it allowed us to scale, verify faster, and meet the user experience our traders expect. It’s a win in every way.

Anirudha, Senior Product Manager, Dhan

Read Dhan’s success story

50%

of onboarding automated with AA

75%

lower verification cost

AA didn’t just save us money—it allowed us to scale, verify faster, and meet the user experience our traders expect. It’s a win in every way.

Anirudha, Senior Product Manager, Dhan

Read Dhan’s success story

Olyv’s success story

16%

improvement in consent conversion

92%

peak data fetch success rate

The Account Aggregator framework implemented through Setu transformed our lending process. Verification that took a dedicated team 45–60 minutes now happens automatically in under five minutes.

Vinay Kumar Singh, Co-Founder & Chief Product Officer, Olyv

Read Olyv’s success story

16%

improvement in consent conversion

92%

peak data fetch success rate

The Account Aggregator framework implemented through Setu transformed our lending process. Verification that took a dedicated team 45–60 minutes now happens automatically in under five minutes.

Vinay Kumar Singh, Co-Founder & Chief Product Officer, Olyv

Read Olyv’s success story

16%

improvement in consent conversion

92%

peak data fetch success rate

The Account Aggregator framework implemented through Setu transformed our lending process. Verification that took a dedicated team 45–60 minutes now happens automatically in under five minutes.

Vinay Kumar Singh, Co-Founder & Chief Product Officer, Olyv

Read Olyv’s success story

Intelligent AA gateway infrastructure for regulated growth

Improve consent conversion, data fetch success, and operational control with one multi-AA integration.

Contact sales

COMMON QUESTIONS

FAQs

What is Setu’s Account Aggregator gateway?

It is a multi-AA orchestration layer that connects multiple Account Aggregators and Financial Information Providers behind one consent and data-fetch integration.

How does live AA-FIP routing work?

Setu reads live AA and FIP performance signals and routes customers toward the strongest available consent and data-fetch path.

How many AAs and FIPs are connected?

The platform integrates with more than five Account Aggregators and over 100 Financial Information Providers.

Can we use a branded mobile journey?

Yes. The native multi-AA SDK supports a unified branded flow without sending customers through fragmented redirects.

What analytics are available?

Teams can track the consent funnel from opened consent through account verification and monitor operational performance in dashboards.