Interoperability among NBFC Account Aggregators (AAs) lets customers access and share their financial information from different Financial Information Providers (FIPs) through the NBFC-AA of their choice, so the choice of AA no longer limits which FIPs a customer can reach.
For the Account Aggregator ecosystem, this makes the framework more open and easier to use for customers, and it helps AAs, FIPs and Financial Information Users (FIUs) work together on common, standard ways of exchanging data.
Following the RBI’s announcement on 7 October 2026 and ReBIT’s publication of the interoperability API specifications (refer to items 4,5 and 6), all ecosystem participants are expected to adopt interoperability by 1 December 2026.
This page brings together Sahamati’s circulars, technical specifications, presentations and other interoperability resources in one place, to help AAs, FIPs and FIUs understand what is changing and prepare for it.
| Sr. No. | Name | Details |
|---|---|---|
| Interoperability Design Document | Interoperability design document for the ecosystem. | |
| Official Circular | Circular published by Sahamati to the ecosystem on Interoperability on Oct 31, 2026 | |
| AA Interoperability - PRDs, Specifications & IOP Gw software | A consolidated reference providing links to relevant PRDs, integration guides, technical specifications, and IOP Gateway setup and deployment resources. | |
| AA Interoperability Webinar for Account Aggregators (26 Oct 2026) | Video recording of the webinar conducted by Sahamati for the AAs | |
| AA Interoperability Webinar for FIUs & FIPs (28 Oct 2026) | Video recording of the webinar conducted by Sahamati for the TSPs | |
| AA Interoperability for TSPs (29 Oct 2026) | Video recording of the webinar conducted by Sahamati for the AAs | |
| AA Interoperability - Q&A Session 1 (3 Nov 2026) | Recording of the Q&A session addressing questions and clarifications on AA Interoperability. | |
| AA Interoperability - Q&A Session 2 (4 Nov 2026) | Recording of the Q&A session addressing questions and clarifications on AA Interoperability. | |
| AA Interoperability - Q&A Session 3 (5 Nov 2026) | Recording of the Q&A session addressing questions and clarifications on AA Interoperability. | |
| AA Interoperability - Q&A Session 4 (6 Nov 2026) | Recording of the Q&A session addressing questions and clarifications on AA Interoperability. |