Product Overview

Product Overview 
 What is Tok? 
 Tok is an Open Banking aggregator for Balkan markets (Croatia, Serbia, BiH). 
 
 Tagline: "Tok podataka iz banke u vaš softver"
 English: "Bank data flows into your software" 
 
 Tok = Serbian/Bosnian/Croatian for "flow", "current", "stream". Represents: 
 
 Data flow (bank data → your software) 
 Money flow (payment initiation, remittance) 
 Current (electricity metaphor — infrastructure that powers things) 
 
 
 Domains 
 
 
 
 Domain 
 Purpose 
 
 
 
 
 tokapi.io 
 Primary domain (registered) 
 
 
 tokapi.one 
 Backup domain (registered) 
 
 
 api.tokapi.io 
 API endpoint 
 
 
 developer.tokapi.io 
 Developer portal 
 
 
 
 
 Business Model — B2B2B 
 Tok is infrastructure, not a consumer product. It connects three layers: 
 Banks (PSD2/bilateral APIs)
 ↓
Tok Platform (AISP/PISP aggregation layer)
 ↓
B2B Clients (fintechs, accounting software, developers)
 ↓
End Users (SMBs, accountants)
 
 Tok targets developers and businesses — not end consumers directly. 
 
 Ecosystem Relationships 
 
 
 
 Product 
 Role 
 Tok Scope 
 
 
 
 
 Bilko (Accounting SaaS) 
 Consumer of Tok AISP API 
 Automatic bank feed for Bilko users 
 
 
 Drop (Payment App) 
 Consumer of Tok PISP + AISP 
 Payments + balance display for Drop users 
 
 
 Third Parties 
 External API consumers 
 B2B2B — fintechs, accounting software, developers 
 
 
 
 One Platform, Three Revenue Streams 
 AISP/PISP Licence (Finanstilsynet, ALAI Holding AS)
 │
 ├── AISP scope ──► Tok Platform (central Open Banking layer)
 │ ├── Bilko bank feed (automatic transaction sync)
 │ └── Tok API (B2B bank data for third parties)
 │
 └── PISP scope ──► Drop Balkan (payment initiation)
 Bilko pay-from-app (invoice payment from accounting)
 
 Key insight: The PI licence required for Drop Norway covers Tok and Bilko at marginal cost — regulatory overhead shared across three revenue streams. 
 
 Market Position 
 There is no Open Banking aggregator for the Balkans. 
 
 
 
 Provider 
 Balkan coverage 
 
 
 
 
 Plaid 
 No coverage 
 
 
 TrueLayer 
 No coverage 
 
 
 Tink (Visa) 
 No confirmed coverage 
 
 
 Yapily 
 "No connections in Eastern Europe" 
 
 
 GoCardless/Nordigen 
 Possibly HR only 
 
 
 Salt Edge 
 Bank-side compliance in RS, not aggregation 
 
 
 Local providers 
 None exist 
 
 
 
 Tok is building the first Open Banking aggregator for the Balkan region — full first-mover advantage. 
 
 Countries 
 
 
 
 Country 
 Standard 
 Status 
 
 
 
 
 🇭🇷 Croatia 
 PSD2 / Berlin Group NextGenPSD2 
 Architecture ready — Q3 2026 
 
 
 🇷🇸 Serbia 
 NBS bilateral (PSD2-equivalent law Aug 2024) 
 Architecture ready — Q4 2026 
 
 
 🇧🇦 BiH 
 Bilateral agreements (no PSD2 mandate) 
 Planned — Q1 2027 
 
 
 
 
 Brand 
 
 Feel: Minimal, tech-forward, trustworthy — think Stripe, Plaid, Twilio 
 Font: Inter (headings/body) + JetBrains Mono (code/API) 
 Voice: Technical, direct, honest, developer-first 
 Parent: ALAI Holding AS — small "An ALAI product" footer 
 
 
 Related Documents 
 
 Implementation Status — current build state and timeline 
 Architecture — Tech Stack 
 Regulatory — Licensing Strategy