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Normalized Bank Connectivity

Legacy banking APIs leak internal state. We normalize disparate EBICS, Swift, and REST channels into a single coherent interface. You write to one standard.

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Reconciliation is an operational bottleneck. Fernel parses MT940 and camt.053 intraday files, mapping external bank statement lines directly to internal ledger entries.

The engine handles protocol negotiation, signature generation, and file decryption autonomously.

Add a new banking partner by implementing a standardized provider interface, not by rebuilding your payment flow. Import bank statements and reconcile automatically with configurable matching rules. Expand to new clearing systems (TARGET2, STEP2, TIPS) through the same integration layer.

Connectivity Capabilities

ISO 20022 Native

pacs.008 (Credit Transfer), pacs.004 (Return), camt.056 (Cancellation), pain.001 (Initiation), camt.053 (Statement). Semantic classification, not XML parsing.

Bank Statement Import

Automated camt.053 import with structured parsing. Transaction classification by ISO BankTransactionCode (Domain/Family/SubFamily).

Reconciliation Engine

Confidence-scored matching between internal ledger entries and external bank transactions. Configurable rules. Automated T+1 scheduling.

Provider Abstraction

Standardized interface for banking partners, card networks, and compliance providers. Switch providers without changing your business logic.

Try It

import-statement.sh
# Import a bank statement (camt.053)
curl -X POST https://connect.fernel.io/v1/statements/import \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/xml" \
  --data-binary @statement_2026-02-21.xml

# Response
{
  "statement_id": "stmt_p4q5r6",
  "entries_imported": 142,
  "auto_matched": 138,
  "pending_review": 4,
  "confidence_threshold": 0.95
}

Technical Specifications

Message standardISO 20022 (native data models, not format conversion)
Statement formatcamt.053 (bank-to-customer statement)
Transaction classificationISO BankTransactionCode (Domain/Family/SubFamily)
ReconciliationConfidence-scored matching, configurable thresholds
Clearing systemsTARGET2, STEP2 (EBA Clearing), TIPS (instant)
Provider modelStandardized abstraction layer. Multi-bank support.

Related Modules

One Integration Layer. Every Rail.

Talk to our team about your connectivity and reconciliation requirements.

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