Implementation Status
Implementation Status
Current build state as of Q1 2026.
Component Status Table
| Component |
Status |
Target |
| API server (Kotlin/Ktor) |
Foundation built |
Q2 2026 |
| Croatian bank integration (Berlin Group) |
Architecture ready, sandbox pending |
Q3 2026 |
| Serbian bank integration — EU groups (UniCredit, Raiffeisen, NLB) |
Architecture ready |
Q4 2026 |
| Serbian domestic banks (NBS bilateral) |
Stub — awaiting NBS registration |
Q4 2026 |
| BiH bilateral banks |
Planned |
Q1 2027 |
Node.js SDK (@tokapi/sdk) |
Built |
Q2 2026 |
Python SDK (tokapi-sdk) |
Built |
Q2 2026 |
Kotlin SDK (io.tokapi:sdk-kotlin) |
Built |
Q2 2026 |
| Webhooks |
Designed |
Q3 2026 |
| Payment initiation (PISP) |
Planned |
Q3 2026 |
Phase Timeline
Phase 1 — Foundation (Q2 2026)
- Ktor API server with core endpoints (
/accounts, /transactions, /consents)
- Bank adapter interface (
BankAdapter)
BerlinGroupAdapter skeleton- Node.js + Python + Kotlin SDKs (built)
- AISP registration at Finanstilsynet (Norway) — target: approved by Q2 2026
Phase 2 — Croatia Live (Q3 2026)
BerlinGroupAdapter production-ready for Croatian banks- QWAC certificate (DigiCert or GlobalSign) for PSD2 mTLS
- 3+ Croatian banks connected (Erste, OTP, Raiffeisen)
- 90-day consent expiry flow + email notifications
- Webhooks for transaction notifications
- PISP planning begins
- EEA passporting: Norway → Croatia (HNB)
Phase 3 — Serbia Live (Q4 2026)
- NBS AISP registration complete
BilateralAdapter for domestic Serbian banks- EU bank groups in Serbia via
BerlinGroupAdapter (UniCredit, Raiffeisen, NLB)
- 3+ Serbian banks connected
Phase 4 — BiH (Q1 2027)
- Bilateral agreements with EU bank groups in BiH (UniCredit, Raiffeisen, NLB)
- First BiH bank connected
Regulatory Timeline
| Milestone |
Target |
Status |
| Email to Finanstilsynet (NO) |
Feb 2026 |
Done ✓ |
| AISP application submitted (NO) |
Apr 2026 |
Pending |
| AISP approved (NO) |
Jun 2026 |
Pending |
| Passport notification to HNB (HR) |
Jun 2026 |
Pending |
| NBS pre-application inquiry (RS) |
Q2 2026 |
Pending |
| ALAI Tech d.o.o. APR registration (RS) |
Mar 2026 |
Pending |
| NBS AISP registration submitted (RS) |
Jul 2026 |
Pending |
| NBS AISP approved (RS) |
Q4 2026 |
Pending |
SDK Status
| SDK |
Package |
Status |
| Node.js / TypeScript |
@tokapi/sdk |
Built — Q2 2026 |
| Python 3.10+ |
tokapi-sdk |
Built — Q2 2026 |
| Kotlin |
io.tokapi:sdk-kotlin |
Built — Q2 2026 |
MC Tasks (Open Banking)
Tasks #1934–#1943 track all Open Banking / Tok regulatory and development work.
| Task |
Description |
Priority |
| #1934 |
AISP registration HR (HNB passporting) |
High |
| #1935 |
AISP registration RS (NBS) |
High |
| #1936 |
Research HNB AISP process |
High |
| #1937 |
Research NBS AISP process |
High |
| #1938 |
Croatian bank API sandbox testing |
Medium |
| #1939 |
Serbian bank API mapping (bilateral) |
Medium |
| #1940 |
BiH bilateral approach |
Medium |
| #1941 |
PISP authorisation RS |
Low |
| #1942 |
Bank feed architecture |
Medium |
| #1943 |
Professional Indemnity Insurance |
High |