Yapily and TrueLayer both provide open banking solutions for lenders. Yapily places a strong focus on connectivity to business accounts and white-labelled, API-first integrations, which makes it a natural fit for lenders building affordability, underwriting, and cashflow journeys for UK and European SMEs.
Why lenders use Yapily
Access to consumer and business account data: Lenders often need visibility across multiple account types. Yapily’s AIS endpoints support both consumer and business accounts, which is relevant for lenders assessing SMEs or directors with complex account structures.
One integration for data and payments: Yapily’s single API surface includes AIS (data), PIS (payments), and VRP (Variable Recurring Payments). For lenders who want to handle affordability checks, account verification, repayments, and payouts in a unified flow, this can reduce engineering and vendor overhead.
Transparency and control: Yapily provides structured transaction data that lenders can use within their own affordability models. This gives lenders full visibility into the inputs behind a credit decision and flexibility to adapt models over time.
White-labelled customer journeys: Because Yapily is API-first and infrastructure-focused, lenders can embed open banking flows directly into their own applications and brand experiences. That means you keep full control over how consent, connectivity, and payment journeys look and feel to customers, rather than sending them through a third-party branded flow.
Designed for regulated credit workflows: Because lenders must evidence their decisions and maintain transparent audit trails, Yapily’s approach to data access, documentation, and model ownership can be well-suited to regulated lending environments.
TrueLayer also supports lending use cases with AIS and PIS. Its publicly available documentation* highlights a broad set of fintech applications, including payments, account funding, and financial apps. Sourced from the TrueLayer website on X/X/2026. Information is subject to change.
FAQs: Yapily vs Truelayer for lenders
1. Do Yapily and TrueLayer both support lending use cases?
Yes. Both offer AIS and PIS for lending flows. Their documentation and positioning differ, which is why lenders review them against their specific needs.
2. Why might a lender look at Yapily first?
Because Yapily provides lending-specific guidance, business-account coverage, and a single integration for AIS, PIS, and VRP: features that map cleanly to affordability, underwriting, and repayment flows.
3. What if a lender needs both strong data access and specific payment flows?
Some lenders evaluate both providers for different parts of their journey or choose the one whose AIS and PIS capabilities most closely match their flow, bank coverage, and geography.