Tok — Open Banking Platform
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Open Banking aggregator for Balkan markets.
Overview & Strategy
Tok product vision, Balkan Open Banking strategy, B2B2B model, relationship to Bilko and Drop
Architecture
Tok technical architecture, Kotlin/Ktor, bank adapter pattern, GCP infrastructure
API & SDKs
Tok REST API spec, authentication, rate limits, webhooks, Node.js/Python/Kotlin SDKs
Regulatory
PSD2 compliance, AISP/PISP licensing, Croatia HNB, Serbia NBS, BiH bilateral agreements