YAP (Italy) API Access & Open Banking Integration

Reaching your YAP (Italy) account data no longer means wrestling with PSD2 certificates or bespoke bank integrations. open-banking.io gives you standardised open-banking access to YAP alongside 2,600+ EU and UK institutions, with one crucial difference: your financial data is decrypted on your own device, using a key that never leaves your hands. open-banking.io's servers only ever hold your public key, so they can store ciphertext but can never read a single transaction.

YAP (BIC NEPYITMM) is supported for both business and personal accounts, and a single consent stays valid for up to 180 days before you need to re-approve — so you set it up once and get months of uninterrupted syncing.

How to connect YAP

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in this step.

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated locally on your device from this passphrase.
  2. In the dashboard, search for and select YAP (Italy), then choose your account type — business or personal.
  3. You're redirected to YAP's own secure login, where you approve access directly on the bank's PSD2 consent screen. open-banking.io never sees your bank credentials.
  4. Your YAP accounts and transactions sync straight into your dashboard, already encrypted to your key.

Access your data

Once YAP is connected, reading the data programmatically is an optional developer step. From the Developers page, create an API key and export a credentials.json — this bundles the API key and your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request carries the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key, the data stays unreadable, which is exactly what "zero-knowledge" means in practice.

Do I need a PSD2 certificate for YAP?

No. open-banking.io is certificate-free. You approve access on YAP's consent screen and open-banking.io handles the regulated plumbing.

Can open-banking.io read my YAP transactions?

No. Data is encrypted to your key and decrypted only on your device. The servers hold your public key and encrypted blobs — nothing readable.

How much does it cost?

Around EUR 3/month for access to YAP and every other supported institution.

Ready to start? Visit open-banking.io.