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[GH-ISSUE #7880] [Feature] Add YAXI as a bank sync provider (European banks) #80650

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opened 2026-05-19 04:29:26 -05:00 by GiteaMirror · 2 comments
GiteaMirror commented 2026-05-19 04:29:26 -05:00
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Originally created by @mirkobecker on GitHub (May 17, 2026).
Original GitHub issue: https://github.com/actualbudget/actual/issues/7880

Summary

Add YAXI as a bank sync provider for Actual Budget, enabling seamless transaction import for 1,000+ European banks.

Motivation

Actual Budget currently supports three bank sync providers:

  • GoCardless BankAccountData – European banks (currently not accepting new accounts)
  • SimpleFIN Bridge – North American banks
  • Pluggy.ai – Brazilian banks

With GoCardless no longer accepting new users, European users are left without a functioning bank sync option. YAXI fills this gap perfectly as a modern, privacy-focused open banking infrastructure provider covering 1,000+ European banks.

About YAXI

YAXI is a German open banking infrastructure provider (based in Nuremberg) with the following key characteristics:

  • 1,000+ European banks supported, with live real-time connections (not cached refreshes)
  • Privacy-first architecture: Uses confidential computing / hardware-encrypted tunnels — YAXI never sees or stores user credentials or transaction data
  • No forced third-party UI: No consent screens or provider branding shown to users
  • Free tier available: 1,000 API calls/month at no cost — ideal for self-hosters and open source projects
  • Self-service onboarding: API key available in under 60 seconds, no sales calls required
  • Stateless by design: No stored connections, no persisted credentials — fully ephemeral
  • Regulatory clarity: Operates as infrastructure via confidential computing, not as a licensed payment institution
  • Multiple services: Account balance retrieval, transaction history, SEPA instant payments, identity verification

YAXI explicitly states on their FAQ: "Can I use YAXI for open source or personal projects? Absolutely. The free tier includes 1,000 API calls per month with real bank connections — no credit card required."

Proposed Solution

Add YAXI as a fourth bank sync provider in Actual Budget, similar to how SimpleFIN and Pluggy were integrated. Users would:

  1. Sign up at yaxi.tech and obtain a free API key (self-service, ~60 seconds)
  2. Add the API key to their config.json / server configuration
  3. Link their bank accounts through the existing bank sync UI in Actual

Why This Matters

  • Restores European bank sync capability now that GoCardless is not accepting new accounts
  • Aligns with Actual's self-hosting ethos — YAXI never has access to user data
  • Free tier makes it accessible to the Actual community without upfront cost
  • Real-time bank connections (not delayed/cached like some providers)
  • Strong privacy guarantees that match Actual Budget's end-to-end encryption philosophy

References

Related Issues

  • Original GoCardless integration
  • SimpleFIN integration
  • Pluggy.ai integration

I am not affiliated with YAXI. This request is motivated by the need for a working European bank sync option for self-hosted Actual Budget instances.

Originally created by @mirkobecker on GitHub (May 17, 2026). Original GitHub issue: https://github.com/actualbudget/actual/issues/7880 ## Summary Add [YAXI](https://yaxi.tech/) as a bank sync provider for Actual Budget, enabling seamless transaction import for **1,000+ European banks**. ## Motivation Actual Budget currently supports three bank sync providers: - **GoCardless BankAccountData** – European banks (currently not accepting new accounts) - **SimpleFIN Bridge** – North American banks - **Pluggy.ai** – Brazilian banks With GoCardless no longer accepting new users, European users are left without a functioning bank sync option. YAXI fills this gap perfectly as a modern, privacy-focused open banking infrastructure provider covering 1,000+ European banks. ## About YAXI [YAXI](https://yaxi.tech/) is a German open banking infrastructure provider (based in Nuremberg) with the following key characteristics: - **1,000+ European banks** supported, with live real-time connections (not cached refreshes) - **Privacy-first architecture**: Uses confidential computing / hardware-encrypted tunnels — YAXI never sees or stores user credentials or transaction data - **No forced third-party UI**: No consent screens or provider branding shown to users - **Free tier available**: 1,000 API calls/month at no cost — ideal for self-hosters and open source projects - **Self-service onboarding**: API key available in under 60 seconds, no sales calls required - **Stateless by design**: No stored connections, no persisted credentials — fully ephemeral - **Regulatory clarity**: Operates as infrastructure via confidential computing, not as a licensed payment institution - **Multiple services**: Account balance retrieval, transaction history, SEPA instant payments, identity verification YAXI explicitly states on their FAQ: *"Can I use YAXI for open source or personal projects? Absolutely. The free tier includes 1,000 API calls per month with real bank connections — no credit card required."* ## Proposed Solution Add YAXI as a fourth bank sync provider in Actual Budget, similar to how SimpleFIN and Pluggy were integrated. Users would: 1. Sign up at [yaxi.tech](https://yaxi.tech/) and obtain a free API key (self-service, ~60 seconds) 2. Add the API key to their `config.json` / server configuration 3. Link their bank accounts through the existing bank sync UI in Actual ## Why This Matters - Restores European bank sync capability now that GoCardless is not accepting new accounts - Aligns with Actual's self-hosting ethos — YAXI never has access to user data - Free tier makes it accessible to the Actual community without upfront cost - Real-time bank connections (not delayed/cached like some providers) - Strong privacy guarantees that match Actual Budget's end-to-end encryption philosophy ## References - YAXI Website: https://yaxi.tech/ - YAXI Documentation: https://yaxi.tech/ ("Read the docs" link) - Actual Bank Sync Docs: https://actualbudget.org/docs/advanced/bank-sync - GoCardless deprecation discussion (context for why a new European provider is needed) ## Related Issues - Original GoCardless integration - SimpleFIN integration - Pluggy.ai integration --- *I am not affiliated with YAXI. This request is motivated by the need for a working European bank sync option for self-hosted Actual Budget instances.*
GiteaMirror added the featureneeds votes labels 2026-05-19 04:29:26 -05:00
GiteaMirror commented 2026-05-19 04:29:29 -05:00
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@github-actions[bot] commented on GitHub (May 17, 2026):

✨ Thanks for sharing your idea! ✨

This repository uses a voting-based system for feature requests. While enhancement issues are automatically closed, we still welcome feature requests! The voting system helps us gauge community interest in potential features. We also encourage community contributions for any feature requests marked as needing votes (just post a comment first so we can help guide you toward a successful contribution).

The enhancement backlog can be found here: https://github.com/actualbudget/actual/issues?q=label%3A%22needs+votes%22+sort%3Areactions-%2B1-desc+

Don't forget to upvote the top comment with 👍!

<!-- gh-comment-id:4472055965 --> @github-actions[bot] commented on GitHub (May 17, 2026): :sparkles: Thanks for sharing your idea! :sparkles: This repository uses a voting-based system for feature requests. While enhancement issues are automatically closed, we still welcome feature requests! The voting system helps us gauge community interest in potential features. We also encourage community contributions for any feature requests marked as needing votes (just post a comment first so we can help guide you toward a successful contribution). The enhancement backlog can be found here: https://github.com/actualbudget/actual/issues?q=label%3A%22needs+votes%22+sort%3Areactions-%2B1-desc+ Don't forget to upvote the top comment with 👍! <!-- feature-auto-close-comment -->
GiteaMirror commented 2026-05-19 04:29:30 -05:00
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@mnil commented on GitHub (May 17, 2026):

Note that there is now Enablebanking available for EU banks, https://github.com/actualbudget/actual/pull/7345, it exists in edge and is coming in the June release.

<!-- gh-comment-id:4472103123 --> @mnil commented on GitHub (May 17, 2026): Note that there is now Enablebanking available for EU banks, https://github.com/actualbudget/actual/pull/7345, it exists in edge and is coming in the June release.
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