Data Exchange Layer by Suma Soft:From PDFs to Tokenized, AuditableAPIs—Built for DPI and SeamlessAdoption
Enable fast, secure, and consented data sharing across ecosystems.
Suma Soft leverages deep expertise in consulting and implementing data exchangestandards and solutions, partnering with regulators, national switches, banks,fintechs, and industry schemes to create DPI-grade Data Exchange Layers. Thisneutral, audited API gateway allows customers—retail or SME—to authorizeregulated Data Providers (e.g., banks, registries) to share specific data with DataUsers (e.g., lenders, insurers) via a Consent Manager that governs rights andrevocations. A Global ID index ensures identity synchronization across participants,supporting use cases beyond finance, such as credit underwriting, insurance, wealthmanagement, merchant onboarding, healthcare record access, government serviceverification, and compliance checks. The result is instant, permissioned, and securedata flows that are interoperable, vendor-neutral, and scalable.
What the Data Exchange Layer Solves
- Eliminates Manual Processes: Replaces PDFs, CSV exports, and emailexchanges with structured, real-time data pulls upon customer consent.
- Ends Screen Scraping: Secure, tokenized APIs with granular scopes offersafer, auditable alternatives.
- Speeds Up Decisions: Enables underwriting, KYC updates, and onboardingin minutes, not days.
- Enhances Trust and Compliance: Consent-driven, time-bound, revocableaccess with full audit trails reduces regulatory risks.
- Future-Proofs Ecosystems: Open standards, certifications, and schemassupport cross-sector services, data portability, and new use cases withoutconstant reworks.
Neutral Consent Manager
Informs and captures user consent through clear, purpose-based requests;issues scoped tokens; generates receipts; and enforces instant revocationswith no unauthorized access.
Global ID Index
Maintains privacy-preserving mappings (e.g., hashed IDs) to resolve identitiesacross providers, minimizing redundant onboarding while avoiding centralizeddata storage.
Standardized Schemas
Defines versioned, canonical formats for accounts, transactions, balances,profiles, and proofs, with provider-side adapters to ensure uniform datadelivery.
Tokenized, Auditable Delivery
Short-lived, scope-specific tokens enable secure data transfers overauthenticated channels, with every action logged for compliance andtransparency.
Credit Underwriting
Access consented income, cash flow, or liability datafrom multiple sources; refresh periodically with recurring consents.
SME and Merchant Services
Pull account histories, settlements, orreceivables for lending or marketplace integrations.
Insurance
Retrieve transaction summaries or policy proofs for risk assessment and claims processing.
Wealth and Personal Finance
Aggregate accounts and assets for portfolioinsights, all under user-controlled scopes.
Compliance and Verification
Verification: Refresh attributes (e.g., address, income) orverify government benefits and licenses without manual submissions.
Healthcare and Public Services
Share consented records or eligibilityproofs securely across providers or agencies.
Presentation and Consent Layer
- Dashboards for users to manage consents, approvals, and revocations.
- Strong authentication, step-up for sensitive data, clear purpose displays.
- Receipts detailing purpose, scope, duration, and policies.
Exchange Core
- Authorization and Token Service: Issues constrained tokens; enforces scopes and bindings.
- Global ID Index: Maps identities privately across providers.
- Schema Registry: Maintains versioned API contracts and change logs.
- Routing and Delivery: Handles connectors, throttling, retries, and webhooks.
- Observability and Audit: Tracks metrics, logs, and consent correlations.
Provider and Consumer Adapters
- Provider Connectors: Normalize data to schemas; sign responses; manage limits.
- Consumer SDKs: Offer typed clients, pagination, and retry policies for integration.
Security and Privacy Controls
- Mutual TLS, signed requests, constrained tokens, anti-replay measures.
- Minimized data with field redactions; encryption in transit/rest.
- Residency options and consent-tied deletion schedules.
Rulebook and Roles
Outlines responsibilities for providers, users, consent operators, and certifiers.
Scope Catalogs
Defines data categories (e.g., balances, transactions) with modifiers like time or frequency.
Certification
Tests validate token handling, schema compliance, and revocation SLAs.
Dispute Handling
Playbooks for misuse, breaches, and escalations.
Change Management
Versioned schemas with compatibility timelines.
End-to-End Flow
- Request: Data User specifies purpose, scope, duration, and frequency.
- Consent: Customer authenticates, reviews, and approves/denies via ConsentManager.
- Tokenization: Exchange issues scoped tokens; Global ID index mapsidentities; receipt logged.
- Data Fetch: Exchange retrieves normalized data from Provider and deliversto User.
- Revocation/Expiry: User revokes or consent expires; tokens invalidate; flowsstop.
- Audit: Events (requests, approvals, pulls) are logged for compliance.
Why Choose Suma Soft
DPI-Aligned Expertise
Integrated Backbone
Robust Security
Developer Efficiency
Adoption-Driven
DPI-Aligned Expertise
Interoperable, open designs for shared ecosystem
rails.
Integrated Backbone
Consent Manager and Global ID index streamline
rights and identity.
Robust Security
Financial-grade protections with zero-trust principles.
Developer Efficiency
Schemas, SDKs, and tests accelerate integration.
Adoption-Driven
Guides, UX assets, and toolkits ensure active data flows.
Implementation Roadmap
Phase 1
Strategy and Blueprint
- Define scopes, purposes, SLAs, and schemas.
- Minimized data witavh field redactions; encryption in transit/rest.
- Establish security baselines (mTLS, signing, logging).
Phase 2
Build and Integrate
- Deploy token services, consent ledgers, ID index, registries.
- Build connectors, SDKs, sandboxes, and dashboards.
- Harden security protocols.
Phase 3
Pilot and Certify
- Test with select providers/users; validate UX, tokens, webhooks.
- Run conformance tests for schemas and revocations.
- Adjust limits and policies based on results.
Phase 4
Scale and Govern
- Onboard more participants; expand data categories.
- Enable recurring consents; schedule schema and security reviews.
- Publish ecosystem metrics.
Data Products and Schemas
Accounts
Transactions
Statements
SME Profiles
Proofs
Accounts
Interoperable, open designs for shared ecosystem
rails.
Transactions
Amounts, merchants, categories, IDs.
Statements
Periods, summaries, fees, artifacts.
SME Profiles
Business IDs, turnover, contacts.
Proofs
Income, balances, receivables with provenance.
Schemas are versioned with constraints and error models for reliable
integration.
Security, Privacy, and Reliability
- Authentication: Strong customer authentication; token constraints.
- Integrity: mTLS, signed responses, nonce checks.
- Minimization: Scoped fields; redacted sensitive data.
- Lifecycle: Consent-tied expiries and deletions; residency compliance.
- Resilience: Breakers, retries, idempotency for stability.
- Auditability: Logs, receipts, versioning for regulatory needs.
Success Metrics to Track
Activation
Usage
Control
Impact
Compliance
Activation
Interoperable, open designs for shared ecosystem
rails.
Usage
Active consents, delivery times, error rates.
Control
Revocation speed, off-scope rejections.
Impact
Reduced manual requests, faster decisions, approval lifts.
Compliance
Receipt completeness, audit passes, incident resolution.
FAQs
Is this just an API gateway?
Can we start small?
What happens on revocation?
How to align data models?
Does it replace existing systems?
Ready to Transform Data Sharing
Planning a DPI-grade Data Exchange Layer?Engage Suma Soft for expert consulting on implementation—from consent andidentity frameworks to tokenized APIs, certifications, and versatile use cases. Let’sbuild secure, scalable data flows that are globally aligned and locally impactful.