# Connecting bank accounts, everywhere
source: https://developer.mastercard.com/open-finance/product/open-finance/index.md

### Open Finance

![Designed background](https://static.developer.mastercard.com/content/open-finance/uploads/header-bg-2.svg) Access Open Finance APIs across markets ![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/flag-us.svg)

### United States {#united-states}

![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/flag-au.svg)

### Australia {#australia}

![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/flag-eu.svg)

### Europe {#europe}

<br />

If you are interested in Open Finance solutions for Europe, click the Europe link above. Open Finance solutions for the US and Australia are described in more detail below.

## Build with confidence {#build-with-confidence}

Work with Mastercard developers to easily implement our APIs for your next-gen money experience. ![Partner Connections](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-icon-partners.svg)

### The trusted partner in innovation {#the-trusted-partner-in-innovation}

Our technology, combined with one of the most trusted brands, allows you to deliver solutions at pace and instill confidence for your customers
![Connectivity](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-icon-connectivity.svg)

### Broad coverage {#broad-coverage}

Whether your customer's data sits with one of the largest financial institutions or the smallest credit union, Mastercard provides connectivity to 95% of deposit accounts in the U.S.
![Data](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-icon-data.svg)

### Data the right way {#data-the-right-way}

With our privacy by design principles at the core, our APIs deliver rich insight into consumers' transaction history, balances, investments, and more

![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-partner-brex.svg)

![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-partner-dwolla.svg)

![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-partner-experian.svg)

![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-partner-synctera.svg)

![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-partner-ncino.svg)

![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-partner-loandepot.svg)

QUICK START

### Build in minutes {#build-in-minutes}

Our sandbox allows developers to quickly see how our APIs work and discover what's possible
Quick start guide (US) Quick start guide (Australia)

```bash
git clone https://github.com/Mastercard/finicity-openapi
cd ./finicity-openapi
./bin/setup.sh {{partnerId}} {{partnerSecret}} {{appKey}}
cd ./tests
mvn clean test -DpartnerId={{partnerId}} -DpartnerSecret=={{partnerSecret}} -DappKey={{appKey}} -DcustomerId={{customerId}}
```

NEW

### Create a best-in-class Open Finance experience with Experience Design Guide {#create-a-best-in-class-open-finance-experience-with-experience-design-guide}

Introducing Experience Design Guide. This guide provides you with the cutting edge resources to implement an Open Finance US experience. Find Figma based white label flows that you can replicate and use in your own environment. This guide covers primary use cases in the end-to-end experience including API callouts and much more.
View Experience Design Guide (US) ![Smartphone interface displaying financial data integration, representing a Mastercard Open Finance API product that enables consent base secure access to user's bank account information.](https://static.developer.mastercard.com/content/open-finance/uploads/mobile_img_3.png)

## Use Cases {#use-cases}

Check out some of the most popular ways to build with Open Finance in the US and Australia ![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-icon-usecase-account-opening.svg)

## Account Opening {#account-opening}

Instantly verify account ownership and details for better onboarding experiences


[United States](https://developer.mastercard.com/open-finance/open-finance-us/documentation/usecases/ob-account-opening/index.md)
![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-icon-usecase-payment.svg)

## Payment Enablement {#payment-enablement}

Real-time account data, analytics and insights to help mitigate fraud risk, reduce payment failures and fees, maintain compliance and help you move money with confidence


[United States](https://developer.mastercard.com/open-finance/open-finance-us/documentation/usecases/payment-enablement/index.md) \|
[Australia](https://developer.mastercard.com/open-finance/open-finance-au/documentation/usecases/payment-enablement/index.md)
![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-icon-usecase-mortgage.svg)

### Lending {#lending}

Account data, analytics, and insights in real-time for better risk management and smarter decisioning---personal, cards, mortgage, auto, BNPL, tenant screening and more


[United States](https://developer.mastercard.com/open-finance/open-finance-us/documentation/usecases/mortgage-lending/index.md) \|
[Australia](https://developer.mastercard.com/open-finance/open-finance-au/documentation/usecases/lending/index.md)
![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-icon-usecase-pfm.svg)

### Personal Financial Management {#personal-financial-management}

Help consumers improve their finances through monitoring, budgeting, analytics and more


[United States](https://developer.mastercard.com/open-finance/open-finance-us/documentation/usecases/personal-finance-management/index.md) \|
[Australia](https://developer.mastercard.com/open-finance/open-finance-au/documentation/usecases/personal-finance-management/index.md)
![alt text](https://static.developer.mastercard.com/content/open-finance/uploads/plp-ob-icon-usecase-smb.svg)

### Open Finance for Business (SMB) {#open-finance-for-business-smb}

Next-gen business account data, analytics and predictive insights for small and medium business (SMB) services---lending, business financial management, account opening, and B2B ACH payments


[United States](https://developer.mastercard.com/open-finance/open-finance-us/documentation/usecases/small-medium-business/index.md)

## Build and support tools {#build-and-support-tools}

Find our documentation and quick start guide on how to start developing a new project on Mastercard Developers View the documentation

Create an account and start building. Accessing our API only takes a few minutes


[United States](https://developer.mastercard.com/open-finance/open-finance-us/documentation/index.md) \|
[Australia](https://developer.mastercard.com/open-finance/open-finance-au/documentation/index.md)
Quick start guide

Explore our ready-to-go guide and get up and running in less than 30 minutes


[United States](https://developer.mastercard.com/open-finance/open-finance-us/documentation/quick-start-guide/index.md) \|
[Australia](https://developer.mastercard.com/open-finance/open-finance-au/documentation/quick-start-guide/index.md)
Explore the Connect experience Our Connect experience makes it easy for consumers to find their financial institutions and permission access to their data


[United States](https://developer.mastercard.com/open-finance/open-finance-us/documentation/connect/index.md) \|
[Australia](https://developer.mastercard.com/open-finance/open-finance-au/documentation/connect/index.md)
Certain open finance solutions are provided by Finicity, a Mastercard company