Unacores AA Solutions Pvt. Ltd., operating under the brand name INK Account Aggregator (INK AA), is an RBI-licensed Account Aggregator based in Chennai, Tamil Nadu. Incorporated in November 2021, it received its AA licence from the RBI in September 2022. The company was established solely to provide AA services, with a clear focus on compliance, secure technology, and financial data privacy.
An Account Aggregator is a framework introduced by the Reserve Bank of India (RBI) that allows users to share their financial data digitally and securely, with consent. Instead of manually providing physical statements, users can grant approval online, making the process faster and safer.
INK provides a mobile app and web portal where users can register, link their bank and financial accounts, and approve or revoke consent requests. The app also allows users to track both active and past consents in one place.
It also enables Financial Information Providers (FIPs) such as banks, insurers, pension funds, and mutual funds to connect to the AA ecosystem. Through secure APIs and infrastructure, these institutions can share data with requesting entities strictly on the basis of user consent.
On the other side, Financial Information Users (FIUs) including lenders, insurers, and wealth managers can integrate with INK to receive consented financial data directly from FIPs. This helps them access verified information for credit processing, underwriting, or financial planning without needing to build the AA infrastructure themselves.
By offering these services across consumers, FIPs, and FIUs, INK fulfills its role as a regulated Account Aggregator under the RBI framework.
This consent-driven process ensures data is always shared securely, with full transparency and control in the hands of the user.
INK can be used by lenders and insurers for underwriting. By receiving verified financial information directly from user-linked accounts, these institutions can assess eligibility and risks more accurately. This reduces the need for physical documents and speeds up the approval process.
Fintechs offering personal finance management tools can integrate with INK to provide users with a consolidated view of their accounts. With user consent, apps can fetch account balances and transactions from multiple financial institutions, helping individuals track their finances in one place.
Through these applications, INK enables both institutions and fintechs to improve decision-making and deliver smoother digital experiences to their customers.
INK becomes useful whenever you need to share your financial data quickly and securely.
When applying for a loan or credit card, you can approve a consent request through the INK app or web portal instead of submitting multiple physical statements. The lender then receives your verified information instantly, which helps speed up the approval process.
If you use a personal finance app that is integrated with INK, you can link your bank accounts and view balances and transactions in one place. This makes it easier to track your spending, savings, and overall financial health without juggling different statements.
By turning slow document-heavy steps into a few digital approvals, INK makes everyday financial activities simpler and more transparent.
One of INK’s distinctive features is its self-consent option, which allows users to fetch and view their own consolidated account data directly through the INK app. This turns the AA utility into a personal tool for checking balances and transactions across banks without needing an external financial institution to request the data.
Another unique aspect is INK’s flexible pricing structure. Unlike most Account Aggregators that only operate through institutional integrations, INK openly publishes plans for different use cases such as personal finance, wealth aggregation, and lending support. This transparency helps fintechs and enterprises adopt AA services in a way that fits their scale and requirements.
INK was also among the newer wave of AAs built specifically for the RBI framework rather than evolving from an older business. This purpose-built approach means its entire platform, from APIs to mobile apps, has been designed with compliance, security, and ease of use in mind right from the start.
Compared to older players like OneMoney and CAMSFinServ, INK is one of the newer entrants in the Account Aggregator ecosystem. While it may not yet have the same institutional footprint, its design as a purpose-built AA gives it the advantage of being lean, modern, and aligned with the latest regulatory and technological standards.
When placed alongside government-backed NADL, INK differs in its positioning as a private-sector platform. It focuses on usability and flexibility, offering features such as self-consent for users and transparent pricing models for enterprises. This contrasts with NADL’s public-sector foundation, which emphasizes stability and trust.
In comparison with multi-feature players like Anumati or Finvu that also provide PFMs or analytics, INK keeps its scope tightly within the AA framework while still innovating with unique elements like published pricing plans and consumer-facing data access. This positions INK as a focused yet user-aware option in the growing AA landscape.
INK Account Aggregator (INK AA) is an RBI-licensed Account Aggregator operated by Unacores AA Solutions Pvt. Ltd., headquartered in Chennai. It enables users to share their financial data digitally and securely with consent.
INK AA received its NBFC-AA licence from the Reserve Bank of India in September 2022.
INK provides core Account Aggregator services for consumers, FIPs, and FIUs. It helps users manage consents, financial institutions share data securely, and fintechs or lenders receive verified information for credit and financial services.
Yes. INK offers a unique self-consent option that lets users fetch and view their own consolidated account data directly in the INK app.
Yes. SMEs can share their bank and transaction data through INK with lenders to simplify loan underwriting and credit access.
Users can register on the INK mobile app or web portal, link accounts, and manage consents. The app provides full visibility into active and past data-sharing requests.
INK is one of the newer AAs built specifically for the RBI framework. It offers a self-consent feature, transparent pricing plans for enterprises, and a modern interface designed for compliance and ease of use.
INK’s roadmap includes expanding financial institution coverage, building fintech partnerships, improving the user experience, and scaling infrastructure as the AA network grows.
Yes. NRIs with Indian bank accounts can use INK to link and share their financial data, subject to support from the participating institutions.
INK AA, operated by Unacores AA Solutions Pvt. Ltd., has emerged as one of the newer players in India’s AA ecosystem. Built specifically for the RBI framework, it combines compliance, secure technology, and a consumer-friendly interface to deliver core AA services. Features like self-consent and transparent pricing highlight its approach of making data-sharing both accessible and practical for individuals, lenders, and fintechs.
Looking ahead, INK is positioned to grow its presence by expanding financial coverage, strengthening partnerships, and improving user experience. With its modern, purpose-built platform, it can play a significant role in helping consumers access financial services faster while enabling institutions to adopt consent-driven data flows with greater ease.
Unacores AA Solutions Pvt. Ltd., operating under the brand name INK Account Aggregator (INK AA), is an RBI-licensed Account Aggregator based in Chennai, Tamil Nadu. Incorporated in November 2021, it received its AA licence from the RBI in September 2022. The company was established solely to provide AA services, with a clear focus on compliance, secure technology, and financial data privacy.
An Account Aggregator is a framework introduced by the Reserve Bank of India (RBI) that allows users to share their financial data digitally and securely, with consent. Instead of manually providing physical statements, users can grant approval online, making the process faster and safer.
INK provides a mobile app and web portal where users can register, link their bank and financial accounts, and approve or revoke consent requests. The app also allows users to track both active and past consents in one place.
It also enables Financial Information Providers (FIPs) such as banks, insurers, pension funds, and mutual funds to connect to the AA ecosystem. Through secure APIs and infrastructure, these institutions can share data with requesting entities strictly on the basis of user consent.
On the other side, Financial Information Users (FIUs) including lenders, insurers, and wealth managers can integrate with INK to receive consented financial data directly from FIPs. This helps them access verified information for credit processing, underwriting, or financial planning without needing to build the AA infrastructure themselves.
By offering these services across consumers, FIPs, and FIUs, INK fulfills its role as a regulated Account Aggregator under the RBI framework.
This consent-driven process ensures data is always shared securely, with full transparency and control in the hands of the user.
INK can be used by lenders and insurers for underwriting. By receiving verified financial information directly from user-linked accounts, these institutions can assess eligibility and risks more accurately. This reduces the need for physical documents and speeds up the approval process.
Fintechs offering personal finance management tools can integrate with INK to provide users with a consolidated view of their accounts. With user consent, apps can fetch account balances and transactions from multiple financial institutions, helping individuals track their finances in one place.
Through these applications, INK enables both institutions and fintechs to improve decision-making and deliver smoother digital experiences to their customers.
INK becomes useful whenever you need to share your financial data quickly and securely.
When applying for a loan or credit card, you can approve a consent request through the INK app or web portal instead of submitting multiple physical statements. The lender then receives your verified information instantly, which helps speed up the approval process.
If you use a personal finance app that is integrated with INK, you can link your bank accounts and view balances and transactions in one place. This makes it easier to track your spending, savings, and overall financial health without juggling different statements.
By turning slow document-heavy steps into a few digital approvals, INK makes everyday financial activities simpler and more transparent.
One of INK’s distinctive features is its self-consent option, which allows users to fetch and view their own consolidated account data directly through the INK app. This turns the AA utility into a personal tool for checking balances and transactions across banks without needing an external financial institution to request the data.
Another unique aspect is INK’s flexible pricing structure. Unlike most Account Aggregators that only operate through institutional integrations, INK openly publishes plans for different use cases such as personal finance, wealth aggregation, and lending support. This transparency helps fintechs and enterprises adopt AA services in a way that fits their scale and requirements.
INK was also among the newer wave of AAs built specifically for the RBI framework rather than evolving from an older business. This purpose-built approach means its entire platform, from APIs to mobile apps, has been designed with compliance, security, and ease of use in mind right from the start.
Compared to older players like OneMoney and CAMSFinServ, INK is one of the newer entrants in the Account Aggregator ecosystem. While it may not yet have the same institutional footprint, its design as a purpose-built AA gives it the advantage of being lean, modern, and aligned with the latest regulatory and technological standards.
When placed alongside government-backed NADL, INK differs in its positioning as a private-sector platform. It focuses on usability and flexibility, offering features such as self-consent for users and transparent pricing models for enterprises. This contrasts with NADL’s public-sector foundation, which emphasizes stability and trust.
In comparison with multi-feature players like Anumati or Finvu that also provide PFMs or analytics, INK keeps its scope tightly within the AA framework while still innovating with unique elements like published pricing plans and consumer-facing data access. This positions INK as a focused yet user-aware option in the growing AA landscape.
INK Account Aggregator (INK AA) is an RBI-licensed Account Aggregator operated by Unacores AA Solutions Pvt. Ltd., headquartered in Chennai. It enables users to share their financial data digitally and securely with consent.
INK AA received its NBFC-AA licence from the Reserve Bank of India in September 2022.
INK provides core Account Aggregator services for consumers, FIPs, and FIUs. It helps users manage consents, financial institutions share data securely, and fintechs or lenders receive verified information for credit and financial services.
Yes. INK offers a unique self-consent option that lets users fetch and view their own consolidated account data directly in the INK app.
Yes. SMEs can share their bank and transaction data through INK with lenders to simplify loan underwriting and credit access.
Users can register on the INK mobile app or web portal, link accounts, and manage consents. The app provides full visibility into active and past data-sharing requests.
INK is one of the newer AAs built specifically for the RBI framework. It offers a self-consent feature, transparent pricing plans for enterprises, and a modern interface designed for compliance and ease of use.
INK’s roadmap includes expanding financial institution coverage, building fintech partnerships, improving the user experience, and scaling infrastructure as the AA network grows.
Yes. NRIs with Indian bank accounts can use INK to link and share their financial data, subject to support from the participating institutions.
INK AA, operated by Unacores AA Solutions Pvt. Ltd., has emerged as one of the newer players in India’s AA ecosystem. Built specifically for the RBI framework, it combines compliance, secure technology, and a consumer-friendly interface to deliver core AA services. Features like self-consent and transparent pricing highlight its approach of making data-sharing both accessible and practical for individuals, lenders, and fintechs.
Looking ahead, INK is positioned to grow its presence by expanding financial coverage, strengthening partnerships, and improving user experience. With its modern, purpose-built platform, it can play a significant role in helping consumers access financial services faster while enabling institutions to adopt consent-driven data flows with greater ease.
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