Self-Hosted Bank Sync for EU

A self-hosted solution for syncing bank account data from EU banks into personal finance apps and dashboards. Users maintain full data control while getting real-time transaction data and account insights. Target users are privacy-conscious Europeans and fintech developers wanting banking integration.

PSD2 mandated open banking across the EU in 2019, but adoption has been fragmented and the developer tooling remains genuinely poor — most aggregators like Nordigen (now GoCardless) are SaaS-only and require sending transaction data through their servers, which is the exact friction point a self-hosted alternative resolves. The closest substitute is Nordigen/GoCardless's free tier or Salt Edge, both of which are cloud-dependent and increasingly commercial. The $2k–8k/mo revenue band is plausible only as a one-time license or support contract model, since self-hosted software structurally resists recurring SaaS pricing — that tension is real and worth thinking through before building. The biggest risk is that PSD2 bank connectivity itself is the hard part: each bank's API behaves differently, consent flows break, and maintaining compatibility across dozens of EU banks is an ongoing engineering tax that makes the maintenance burden quietly brutal for a solo founder.