Quiltt gives fintechs one integration for bank connectivity. A single connector and API route to the major aggregators behind the scenes, so a product team links a customer’s accounts once and gets balances, transactions and holdings back in one consistent shape.
Teams building on Quiltt now have one more thing they can add in a single step: Kiro Money.
The Challenge
Connected data is the starting point, not the product. Once a fintech has a customer’s accounts linked, the questions begin — why is my spending up, can I afford this, what should I do with the extra cash — and answering them well means building an AI layer of its own: models, prompting, guardrails, and the tooling that keeps every answer grounded in the customer’s real numbers.
For most teams that is a second project as large as the first, and it is not the product they set out to build.
The Solution
The partnership puts Kiro’s white-label assistant directly on top of Quiltt-connected data. A team already using Quiltt for account linking adds Kiro through the self-service API or iFrame, passes the balances and transactions it already has, and gets an assistant that answers from the customer’s actual position — carrying the fintech’s own branding, configured from Kiro’s dashboard, with the actions and data sources the team approves.
There is no second aggregation integration to build and no AI team to hire. Quiltt handles the connection; Kiro handles the conversation.
What This Means
The partnership shows where Kiro fits: as the intelligence layer on top of the connectivity fintechs already run, not another integration to maintain. A fintech gets a full stack for personalized guidance from two vendors, each a single integration, and its customers get answers that reflect their real accounts from day one.