Teller

🚨📢 In a head-to-head aggregator test performed by a large consumer fintech, Teller had the most stable connections. Number #2 disconnected 63% more often than Teller.

Ok, enough talking. Introducing Wiretrap: Agentic Mobile App Reverse Engineering. @teller connects to over 7000 financial institutions, providing developers with a single API to integrate against. We connect using private APIs discovered by reverse engineering their mobile apps. This is a huge engineering cost (we have to analyze every app update to check for API changes), and obtaining accounts at those banks to be able to use their apps and map out the API interactions we need for our own API clients is an operational nightmare. Both are major blockers to supporting more institutions, countries, and product types, especially ones that are not practical to obtain at every bank, e.g. student loans and mortgages. Wiretrap solves for both problems. Wiretrap intercepts network requests a mobile app makes and injects symbolic responses that allow an agent to discover the underlying API contract by simply observing what the app does with them. It can override individual values to trigger different flows, allowing agents to completely map out an entire API without a single request hitting the bank. Check out this brief video of an agent using phony credentials to log into Chase (the request is intercepted by Wiretrap and never hits Chase's API) to get to the account dashboard. Note the symbolic value "req_058.response.body.bankingAccountOverviews[0]. businessName" displayed in the app UI, representing the request and key path the value originated from allowing the agent to join what is displayed on screen with what "went over the wire". Everything you see is inferred by observing how the app interacts with Wiretrap's symbolic responses. Another @teller world first :)

.@teller has a tool that can extract an API from any app AND build the SDK for it.

So far this new tool has worked on every app we’ve tested it with. Chase, Wells Fargo, BofA, Truist, a bunch of small provincial banks. After 5 months of smashing my head against the wall, to be honest I can’t quite believe it finally works. It works with everything, even stuff aggressively inlined by the compiler (standard on release swift apps). This is probably one the most important things I’ve built in my career.

Nobody will care but I’m reasonably confident that a tool I’ve been building is able to maintain all of the integrations we have at @teller. When a new app hits the AppStore, it reverses it in minutes. We’ve literally spent millions and millions of dollars on humans doing this over the years. Now we can do it faster and for orders of magnitude less cost. Also, for the first time ever we no longer need accounts at the financial institution. The whole analysis process happens offline. Two massive bottlenecks on our ability to scale have been obliterated. The really exciting question is: can it reverse all the other banks we haven’t done yet? Every bank in the world? Where is the limit?

Had fun with this & made an @openclaw skill that buys $1 of stock in every company you shop at @teller to hook into the bank account @public for market data & buy orders @CloudflareDev to host the connection flow & a daily summary Public is doing some awesome stuff github.com/DeanMauro/shop…

@ryanvogel @kyleshirlz What looks sketch?

@kyleshirlz that kinda looks sketch ngl

so the current issue is that I want a "webhook" like experience for whever there are new transactions (like I buy something somewhere this looks like with 30 minutes spaced SYNC requests from plaid to cost around $85/month for 1 source (my amex) I don't know if there is a better way to essentially see if there is a new transcation since I would like it to be as close to real time as possible cc @jamesperkins

Imagine this was all you needed to fetch and display bank accounts from any bank in an iOS app. (Working code btw)

What's all this about then?

Something new is coming…

We (@teller) are shipping some incredible stuff this month. Stay tuned!

The @teller team has been working on some really cool stuff these past few months and it’s going to fundamentally change how bank data aggregation is done. An unbelievable step change in user privacy is coming.

@karlclement @mikehostetler We do!

Who’s using Elixir in production? What’s the project? What feature made you take this route? You’ve inspired me @mikehostetler

Experiment with @teller in Python, Ruby, Elixir, Go, Java, Node, or PHP with one command that bootstraps runtime env, installs dependencies and starts server github.com/tellerhq/examp…

Testing something new…

We’ve tried to collaborate with Mercury on this, so far unsuccessfully. In the meantime you can ask Ramp to route your Mercury connection via Finicity. That being said, customers use us because our API connections are more durable and have fewer bugs. Teller disconnects a lot less than other aggregators. You should choose the option that best meets your needs.

@tryramp @teller are you guys out of your mind? There is NO WAY I am forwarding you an email that literally says not to forward👀 Maybe you should chat with @mercury before disconnecting your customers account and asking them to reconnect them?

@immad @Joris_DLN @tryramp @mercury Immad, are you lying or simply unaware of what is going on in your business? We can work together to improve the Mercury UX or you can make inaccurate and libellous tweets.

@Joris_DLN @tryramp @teller @mercury We have asked @teller to move to our API like Plaid/Finicity use, which would be more secure, less brittle and still free. @teller insists on scraping instead and is philosophically opposed to APIs, so they insist on using this phishing method for connections.

Since @tryramp uses @teller , verifying your bank accounts @mercury sounds like a nightmare... Ramp asks to forward the sign in message to Teller while Mercury shares a warning message: 📷Don't put your account at risk DO NOT copy-paste this link or forward this email to anyone else, as it could expose you to a phishing attack. Mercury will never ask for any content from this email. If you suspect an attempted phishing attack, report it to us immediately.

@taylorfox__ @ViralManager Good luck. See you in the arena.

@ViralManager about to create another competitor to teller and plaid and vertically integrate the mother of all consumer fintech

ok havent talked strategy on here in a bit i am starting a new b2b saas ai company sounds boring as shit right? sorta. its an idea i'm actually really stoked about. my current goal is to make myself noticed in the scene that has the problem i'm solving for.

The industry continues to coalesce around the legal arguments we created at @teller in 2023.

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