Direct Banking is a provider-agnostic open-banking connector for Business Central. Six aggregators ship at launch — Ponto, TrueLayer, Lean, Plaid, Setu, Basiq — so customers pick the aggregator per bank account and can switch anytime, without vendor lock-in.
Reconciliation runs deterministic rules first; only the residual passes to a direct-to-Claude AI matcher, and every AI suggestion is validated against the BC ledger schema before surfacing. Nothing auto-books — a planner clicks Accept on every match, whether it came from a rule, AI, or human.
Payments go through a three-layer server-side guard (license, country capability, provider capability) plus Confirmation of Payee, which hard-gates any payment on a name-mismatch — override requires a written reason logged in an insert-only history table. Regions without a PIS framework yet (US, India, Australia) fall back to NACHA / ABA / CSV file exports from the same Send button.
Standalone by architecture — app.json declares no required dependencies. NL and BE localisation companions ship as sibling apps via the SFD ISiblingIntegration pattern. AppSource submission is in progress; PTE delivery is available today.