The Open Banking Product consists of three main components.

One is the server-side XS2A API which offers the endpoints for the TPP/merchant to initiate and control transfer and data access procedures. The other one is the XS2A App that handles the interaction with the consumer.


The XS2A-API exposes endpoints for the session and flow management. The following flows can be executed:

The API should be exclusively called by other services and the content of those exchanges should not be exposed to the consumer.

In addition to the XS2A API a Consent Token based API provides access to consumer data. The consent token has to be retrieved during a XS2A session.

XS2A App

In order to retrieve information or execute a transfer, the consumer needs to choose her or his bank and provide authorization to her or his bank account. This is often done by providing login credentials and one-time passwords.

To handle this consumer interaction Open banking. by Klarna offers the XS2A App, a web-based application that provides the UI and guides the consumer through the process. The XS2A App is HTML-iframe-based and can be used by integrating a JavaScript file and calling a specified method with a token that is obtained from the XS2A-API as a parameter.

As an alternative to the XS2A App it is also possible to implement the consumer facing part of the application as a white label solution.

Bank Universe

The Bank Universe service allows customers to retrieve information about supported banks and their capabilities.

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