Opey: Agentic Payments via Consent | Milan .

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February 24, 2026 · Milan

Opey: Agentic Payments via Consent

See a live demo of Opey, an AI agent for banking APIs, executing financial tasks like payments and account creation using OpenAPI and consent.

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Tech stack
  • Open Bank Project API
    The Open Bank Project (OBP) is the leading open-source API platform: it delivers a RESTful interface for banks to securely launch financial-grade APIs and power a global FinTech ecosystem.
    The Open Bank Project (OBP) is the global standard and API solution for the financial services industry, pioneering open banking concepts since 2010. It provides a RESTful interface, allowing developers to build customer-facing applications—like PFM solutions and online accounting integrations—without coding for disparate bank systems. OBP enables financial institutions to create, test, and manage APIs that ensure compliance with major standards (e.g., UK Open Banking, Berlin Group). The platform unlocks a wide range of use cases: this includes secure access to account information, initiating payments, and enriching transactions with metadata (tags, geolocation). OBP has advised over 100 banks and regulators globally, proving its robust, production-ready capability.
  • OBP Opey II
    OBP Opey II is the Open Bank Project's AI-powered API agent, leveraging GPT-4o to streamline API discovery, troubleshooting, and execution for banks and developers via natural language.
    Opey II (Open Bank Project Opey II) is an intelligent, model-agnostic API assistant: it transforms complex banking API interactions into simple, natural language conversations. Built by TESOBE, Opey is modeled on advanced Large Language Models (like GPT-4o) and acts as a plugin to the OBP API Explorer II, providing instant guidance on endpoint usage, authentication, and technical operations. This agent accelerates API discovery and integration, offering a non-user interface that dynamically synthesizes data and suggests API call combinations to satisfy specific business or technical use cases for both newcomers and seasoned developers.
  • Langraph
    LangGraph is the low-level, open-source orchestration framework from LangChain: it builds, manages, and deploys complex, stateful AI agent workflows using a graph-based architecture.
    LangGraph, an open-source framework from the LangChain team, delivers the robust, low-level orchestration required for production-ready AI agents. It leverages a graph-based architecture (nodes and edges) to model and manage intricate, stateful workflows, ensuring reliable, multi-step reasoning. This design supports critical features: durable execution, comprehensive memory, and human-in-the-loop oversight. Companies like Klarna, Replit, and Elastic rely on LangGraph to deploy sophisticated agent systems, such as multi-agent chatbots or complex decision-making engines, with complete control over the cognitive architecture.
  • OpenAPI
    OpenAPI Specification (OAS) provides a vendor-neutral, language-agnostic interface description format for modern REST APIs, using JSON or YAML.
    OpenAPI defines a standard, machine-readable format for describing HTTP APIs: this is the core value proposition. The specification, currently at version 3.1.0, allows both humans and computers to understand a service's capabilities without source code access. An OpenAPI Description (OAD) drives critical tooling: it enables automated documentation generation, facilitates client and server code creation (SDKs), and streamlines testing workflows. Governed by the OpenAPI Initiative (OAI) under the Linux Foundation, it ensures a robust, open standard, maximizing interoperability and minimizing guesswork in API consumption.
  • Swagger
    Swagger is the definitive open-source toolset for designing, documenting, and consuming REST APIs (OpenAPI Specification).
    Swagger is a robust collection of open-source tools centered on the OpenAPI Specification (OAS), formerly the Swagger Specification. It streamlines the API lifecycle: use the Swagger Editor to define your API in YAML or JSON; leverage Swagger UI to generate interactive, web-based documentation for testing endpoints; and utilize Swagger Codegen to automatically generate client libraries and server stubs in various languages (e.g., Java, Python). This toolchain ensures precision, accelerates development, and drastically improves API discoverability for both internal teams and external consumers.

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