aid: distyra

name: Brightfield Software

image: https://www.distyra.eu/assets/og/distyra-og.png

description: Brightfield Software, operating under the Distyra brand, provides European bank data APIs that deliver raw transaction information
  distilled into actionable signals. Their platform offers products for data enrichment, underwriting, and compliance, tailored to European payment
  formats and regulations. Built in the EU, Distyra ensures data residency and privacy, supporting developers with comprehensive documentation,
  pricing plans, and a status page. The service aims to simplify access to bank data for fintech applications, offering a free tier and enterprise
  options.

url: https://raw.githubusercontent.com/api-evangelist/distyra/refs/heads/main/apis.yml

x-type: company

x-source: harvest:g2-catalog

x-tier: profiled
x-tier-reason: enrichment pass 2026-10-16 (modular-v1; was harvest)

specificationVersion: '0.20'

created: '2026-10-16'

modified: '2026-10-16'

tags:
- Company
- Banking
- Fintech
- European
tags_raw:
- Company
- Banking
- API
- Fintech
- European

maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io

common:
- type: CapabilityMap
  url: capabilities/distyra-capability-edges.yml
  name: Brightfield Software Business Capability Map
- type: AgenticAccess
  url: agentic-access/distyra-agentic-access.yml
- type: Plans
  url: plans/distyra-plans-pricing.yml
- type: Spectral
  url: rules/distyra-rules.yml
- type: JSONLD
  url: json-ld/distyra-context.jsonld
- type: Vocabulary
  url: vocabulary/distyra-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/distyra-data-model.yml
- type: ChangeLog
  url: changelog/distyra-changelog.yml
- type: Deprecation
  url: lifecycle/distyra-lifecycle.yml
- type: Lifecycle
  url: lifecycle/distyra-lifecycle.yml
- type: ErrorCatalog
  url: errors/distyra-problem-types.yml
- type: Conformance
  url: conformance/distyra-conformance.yml
- type: SecurityTxt
  url: well-known/distyra-security.txt
- type: SecurityTxt
  url: well-known/distyra-distyra-security.txt
- type: WellKnown
  url: well-known/distyra-well-known.yml
- type: Hosts
  url: hosts/distyra-hosts.yml
- type: SDKs
  url: packages/distyra-packages.yml
- type: Packages
  url: packages/distyra-packages.yml
- type: Security
  url: https://www.distyra.eu/security
- type: ChangeLog
  url: https://www.distyra.eu/changelog
- type: Authentication
  url: authentication/distyra-authentication.yml
- type: VulnerabilityDisclosure
  url: security/distyra-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/distyra-domain-security.yml
- type: Website
  url: https://distyra.eu/
- type: Documentation
  url: https://www.distyra.eu/developers
- type: APIReference
  url: https://www.distyra.eu/reference
- type: GettingStarted
  url: https://www.distyra.eu/get-started
- type: Pricing
  url: https://www.distyra.eu/pricing
- type: StatusPage
  url: https://www.distyra.eu/status
- type: PrivacyPolicy
  url: https://www.distyra.eu/privacy-policy
- type: TermsOfService
  url: https://www.distyra.eu/tos
- type: Support
  url: https://www.distyra.eu/contact

apis:
- aid: distyra:distyra-authentication-api
  name: Brightfield Software Authentication API
  description: The authentication API from Brightfield Software — 1 operation(s) for authentication.
  humanURL: https://www.distyra.eu/reference
  baseURL: https://api.distyra.com
  tags:
  - Authentication
  tags_raw:
  - authentication
  properties:
  - type: OpenAPI
    url: openapi/distyra-authentication-api-openapi.yml
- aid: distyra:distyra-billing-api
  name: Brightfield Software Billing API
  description: The billing API from Brightfield Software — 2 operation(s) for billing.
  humanURL: https://www.distyra.eu/reference
  baseURL: https://api.distyra.com
  tags:
  - Billing
  tags_raw:
  - billing
  properties:
  - type: OpenAPI
    url: openapi/distyra-billing-api-openapi.yml
- aid: distyra:distyra-catalog-api
  name: Brightfield Software Catalog API
  description: Read access to merchant catalog + taxonomy
  humanURL: https://www.distyra.eu/reference
  baseURL: https://api.distyra.com
  tags:
  - Catalog
  tags_raw:
  - catalog
  properties:
  - type: OpenAPI
    url: openapi/distyra-catalog-api-openapi.yml
- aid: distyra:distyra-connect-api
  name: Brightfield Software Connect API
  description: >-
    Live PSD2/AIS bank connections (Distyra Connect). Fetch normalized transactions from a bank account
    on demand. Nothing is stored.


    `mode` says whose account it is: `own` (your organization’s), `end_user` (a customer of your product,
    for anyone embedding Connect in something they sell), or `applicant` (an underwriting applicant).
    Only `applicant` needs an Underwriting subscription. Billed per active connection per month.


    ### Connecting a bank account, start to finish


    **1. Ask for a link.** `POST /v1/connect/hosted-link` with the bank’s two-letter country code, e.g.
    `{ "country": "NL" }`. For a customer’s account also send `mode: "end_user"`, your own `external_ref`
    to identify them, and a `return_url`. Returns `{ url, token, expires_at }`.


    **2. Send the account holder to that `url`.** They pick their bank and log in on the bank’s own site.
    Neither you nor we see their credentials. The bank returns them to your `return_url`.


    **3. Wait to be told it worked.** Listen for `connect.connection.activated`, or poll `GET /v1/connect/connections`
    for one with `status` `active`. Do not treat the `return_url` redirect as success: they may have cancelled.


    **4. See what you got.** `GET /v1/connect/connections/{id}/accounts`. One consent often covers several
    accounts.


    **5. Fetch transactions.** `GET /v1/connect/connections/{id}/transactions`. First call: no dates,
    and you get all the history the bank will give, which can be years; make it soon after the connection
    activates, because many banks give long history only then. Every later call without dates gives 90
    days. After the first call pass `since=` the previous response’s `next_cursor`, and de-duplicate on
    transaction `id` because the boundary day can overlap. `history=recent` limits any call, the first
    included, to 90 days. `?enrich=true` adds merchant names, logos and categories. Every call fetches
    from the bank, so poll on the schedule your product needs rather than in a loop.


    **6. Let them disconnect.** `POST /v1/connect/connections/{id}/revoke-link` returns a short-lived,
    keyless URL to put behind a Disconnect button. `DELETE /v1/connect/connections/{id}` does the same
    from your backend.


    **Consent expires** on a date set by the account holder’s bank, and banks differ. Each connection’s
    `consent_expires_at` gives the exact date, and `max_consent_days` on `GET /v1/connect/aspsps` gives
    a bank’s limit before anyone connects. If you need one number to plan around, use 90 days: no bank
    we connect to allows less. An `applicant` connection closes after 7 days. For `own` and `end_user`
    you get `connect.connection.reconsent_required` before it lapses, and every connection sends `connect.connection.expired`
    after. Reconnect by repeating step 1 with the same `external_ref`, which is what keeps your records
    pointing at the right customer.
  humanURL: https://www.distyra.eu/reference
  baseURL: https://api.distyra.com
  tags:
  - Connect
  tags_raw:
  - connect
  properties:
  - type: OpenAPI
    url: openapi/distyra-connect-api-openapi.yml
- aid: distyra:distyra-enrichment-api
  name: Brightfield Software Enrichment API
  description: Single + batch enrichment
  humanURL: https://www.distyra.eu/reference
  baseURL: https://api.distyra.com
  tags:
  - Data Enrichment
  tags_raw:
  - enrichment
  properties:
  - type: OpenAPI
    url: openapi/distyra-enrichment-api-openapi.yml
- aid: distyra:distyra-feedback-api
  name: Brightfield Software Feedback API
  description: Customer corrections + confirmations
  humanURL: https://www.distyra.eu/reference
  baseURL: https://api.distyra.com
  tags:
  - Feedback
  tags_raw:
  - feedback
  properties:
  - type: OpenAPI
    url: openapi/distyra-feedback-api-openapi.yml
- aid: distyra:distyra-system-api
  name: Brightfield Software System API
  description: Health, version, status
  humanURL: https://www.distyra.eu/reference
  baseURL: https://api.distyra.com
  tags:
  - System
  tags_raw:
  - system
  properties:
  - type: OpenAPI
    url: openapi/distyra-system-api-openapi.yml
- aid: distyra:distyra-underwriting-api
  name: Brightfield Software Underwriting API
  description: >-
    Applicant-level underwriting feature layer: turnover, recurring revenue, debt service, customer concentration,
    tax payments, statutory contributions. Lender-side persistence only (7-day re-fetch window); transaction
    content is never retained beyond purge. See `POST /v1/underwrite/analyze` for the main entry point.
  humanURL: https://www.distyra.eu/reference
  baseURL: https://api.distyra.com
  tags:
  - Underwriting
  tags_raw:
  - underwriting
  properties:
  - type: OpenAPI
    url: openapi/distyra-underwriting-api-openapi.yml
- aid: distyra:distyra-webhooks-api
  name: Brightfield Software Webhooks API
  description: >-
    Webhook endpoint management (register, list, rotate signing secret). What arrives at your URL is the
    `WebhookDelivery` schema: the envelope, the fields on each event, the retry schedule, and how to verify
    the signature.
  humanURL: https://www.distyra.eu/reference
  baseURL: https://api.distyra.com
  tags:
  - Webhook
  tags_raw:
  - webhooks
  properties:
  - type: OpenAPI
    url: openapi/distyra-webhooks-api-openapi.yml
x-enrichment:
  date: '2026-10-16'
  status: enriched
  artifacts_added: 26
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local