The data layer for autonomous finance

Finance platforms in the age of AI need real-time clean, structured data from every card and every bank account. Astrada connects directly to card networks and integrates bank data — enabling your platform to fully categorize, reconcile, and close the books.

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VISA_AUTH_REQ STAN:847291 RRN:240115084729 TERMINAL:POS-SF-2847 MERCHANT_ID:4521884700012 ACQUIRER_BIN:409384 RESP:00   MC_AUTH_REQ STAN:293847 RRN:240115293847 TERMINAL:POS-CHI-1129 MERCHANT_ID:5412220900034 DE48:000048700   VISA_AUTH_REQ STAN:847291 RRN:240115084729 TERMINAL:POS-SF-2847 MERCHANT_ID:4521884700012 ACQUIRER_BIN:409384 RESP:00   MC_AUTH_REQ STAN:293847 RRN:240115293847 TERMINAL:POS-CHI-1129 MERCHANT_ID:5412220900034 DE48:000048700  
*STARBUCKS*ALEXANDERPLATZ*BERLIN*DE MCC:5814 PAN:4521****5540 AUTH:492847 AMT:000000000480 CCY:978 DE039:00 APPROVED   *UBER*RIDE*NEW YORK*NY MCC:4121 PAN:5412****7753 AUTH:384729 AMT:000000002450 CCY:840   *MARRIOTT HOTELS*AUSTIN*TX MCC:7011 PAN:4521****8812 AMT:000000018900 CCY:840   *STARBUCKS*ALEXANDERPLATZ*BERLIN*DE MCC:5814 PAN:4521****5540 AUTH:492847 AMT:000000000480 CCY:978 DE039:00 APPROVED   *UBER*RIDE*NEW YORK*NY MCC:4121 PAN:5412****7753 AUTH:384729 AMT:000000002450 CCY:840   *MARRIOTT HOTELS*AUSTIN*TX MCC:7011 PAN:4521****8812 AMT:000000018900 CCY:840  
*BLUE BOTTLE COFFEE*33 MARKET ST*SAN FRANCISCO*CA MCC:5814 PAN:4521****8834 AUTH:847291 AMT:000000000750 CCY:840 DE039:00 APPROVED   *UNITED AIRLINES*TICKET OFC*CHICAGO*IL MCC:3000 PAN:5412****2209 AUTH:293847 AMT:000000048700 CCY:840 DE039:00 APPROVED   *HILTON HOTELS*LONDON*GB MCC:7011 PAN:4521****2209 AMT:000000023100 CCY:826   *BLUE BOTTLE COFFEE*33 MARKET ST*SAN FRANCISCO*CA MCC:5814 PAN:4521****8834 AUTH:847291 AMT:000000000750 CCY:840 DE039:00 APPROVED   *UNITED AIRLINES*TICKET OFC*CHICAGO*IL MCC:3000 PAN:5412****2209 AUTH:293847 AMT:000000048700 CCY:840 DE039:00 APPROVED   *HILTON HOTELS*LONDON*GB MCC:7011 PAN:4521****2209 AMT:000000023100 CCY:826  
93856224680135755544422000789474 ASTRADA:ATX-20240115-847291 NETWORK:VISA BIN:452187 ACQUIRER:019284 TERMINAL:T8847291 BATCH:B20240115   93856224680135798822331000455219 ASTRADA:ATX-20240115-293847 NETWORK:MASTERCARD BIN:541287 ACQUIRER:028475 TERMINAL:T2293847   93856224680135755544422000789474 ASTRADA:ATX-20240115-847291 NETWORK:VISA BIN:452187 ACQUIRER:019284 TERMINAL:T8847291 BATCH:B20240115   93856224680135798822331000455219 ASTRADA:ATX-20240115-293847 NETWORK:MASTERCARD BIN:541287 ACQUIRER:028475 TERMINAL:T2293847  
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<AuthRsp><TxnId>ATX-847291</TxnId><MerchantName>BLUE BOTTLE COFFEE</MerchantName><MCC>5814</MCC><Amt Ccy="840">750</Amt><RspCd>00</RspCd></AuthRsp>   <AuthRsp><TxnId>ATX-293847</TxnId><MerchantName>UNITED AIRLINES</MerchantName><MCC>3000</MCC><Amt Ccy="840">48700</Amt><RspCd>00</RspCd></AuthRsp>   <AuthRsp><TxnId>ATX-847291</TxnId><MerchantName>BLUE BOTTLE COFFEE</MerchantName><MCC>5814</MCC><Amt Ccy="840">750</Amt><RspCd>00</RspCd></AuthRsp>   <AuthRsp><TxnId>ATX-293847</TxnId><MerchantName>UNITED AIRLINES</MerchantName><MCC>3000</MCC><Amt Ccy="840">48700</Amt><RspCd>00</RspCd></AuthRsp>  
:61:240115D000000750NTRFBLUE BOTTLE COFFEE//REF:847291 :86:/EREF/PMT-20240115-847/AUTH847291/CREDITOR/BLUE BOTTLE INC   :61:240115D000048700NTRFUNITED AIRLINES//REF:293847 :86:/EREF/PMT-20240115-293/AUTH293847   03,010,48700,,,/HILTON-NYC/REF:CLR-20240115/BATCH:B2024-4521   :61:240115D000000750NTRFBLUE BOTTLE COFFEE//REF:847291 :86:/EREF/PMT-20240115-847/AUTH847291/CREDITOR/BLUE BOTTLE INC   :61:240115D000048700NTRFUNITED AIRLINES//REF:293847 :86:/EREF/PMT-20240115-293/AUTH293847   03,010,48700,,,/HILTON-NYC/REF:CLR-20240115/BATCH:B2024-4521  
BAI2:16,452188834,USD,/TXN/DR/750/BLUE BOTTLE COFFEE/REF:847291/   16,541222209,USD,/TXN/DR/48700/UNITED AIRLINES/REF:293847/   88,CLR-20240115,DR,23100/GBP/HILTON-NYC/   BAI2:16,452188834,USD,/TXN/DR/750/BLUE BOTTLE COFFEE/REF:847291/   16,541222209,USD,/TXN/DR/48700/UNITED AIRLINES/REF:293847/   88,CLR-20240115,DR,23100/GBP/HILTON-NYC/  
:20:STMT-240115-001 :25:IBAN-DE89370400440532013000 :28C:00135/001 :60F:C240114EUR48291,50 :61:240115D480NTRFSTARBUCKS//AUTH:492847 :62F:C240115EUR47811,50   :20:STMT-240115-002 :25:GB82WEST12345698765432 :28C:235/1 :60F:C240114GBP12847,00 :62F:C240115GBP12616,00   :20:STMT-240115-001 :25:IBAN-DE89370400440532013000 :28C:00135/001 :60F:C240114EUR48291,50 :61:240115D480NTRFSTARBUCKS//AUTH:492847 :62F:C240115EUR47811,50   :20:STMT-240115-002 :25:GB82WEST12345698765432 :28C:235/1 :60F:C240114GBP12847,00 :62F:C240115GBP12616,00  
{"event":"transaction.created","data":{"id":"txn_847291","descriptor":"BLUE BOTTLE COFFEE","amount":750,"currency":"USD","status":"PENDING","mcc":"5814"}}   {"event":"transaction.settled","data":{"id":"txn_293847","descriptor":"UNITED AIRLINES","amount":48700,"status":"SETTLED"}}   {"event":"transaction.created","data":{"id":"txn_847291","descriptor":"BLUE BOTTLE COFFEE","amount":750,"currency":"USD","status":"PENDING","mcc":"5814"}}   {"event":"transaction.settled","data":{"id":"txn_293847","descriptor":"UNITED AIRLINES","amount":48700,"status":"SETTLED"}}  
Card Transactions / Bank Feeds
↓
Astrada
est. 2024
Real-Time Business Spend Captured
Transactions Processed
<BkToCstmrStmt><GrpHdr><MsgId>MSG-20240115-001</MsgId><CreDtTm>2024-01-15T10:30:00Z</CreDtTm></GrpHdr> <Ntry><Amt Ccy="USD">7.50</Amt><CdtDbtInd>DBIT</CdtDbtInd><Sts>BOOK</Sts></Ntry>   <BkToCstmrStmt><GrpHdr><MsgId>MSG-20240115-001</MsgId><CreDtTm>2024-01-15T10:30:00Z</CreDtTm></GrpHdr> <Ntry><Amt Ccy="USD">7.50</Amt><CdtDbtInd>DBIT</CdtDbtInd><Sts>BOOK</Sts></Ntry>  
Id><ClrSysMmbId><MmbId>233333377A1</MmbId></ClrSysMmbId></FinInstnId></Fi> <RmtInf><Ustrd>BLUE BOTTLE COFFEE SAN FRANCISCO</Ustrd></RmtInf> x00@\x00\x00\x00\x00\x00\x00\x11\x00\xF1\x00   Id><ClrSysMmbId><MmbId>233333377A1</MmbId></ClrSysMmbId></FinInstnId></Fi> <RmtInf><Ustrd>BLUE BOTTLE COFFEE SAN FRANCISCO</Ustrd></RmtInf> x00@\x00\x00\x00\x00\x00\x00\x11\x00\xF1\x00  
\x02\x00\x30\x20\x05\x80\x80\xC0\x00\x00\x16\x45\x21\x88\x34\x00\x00\x00\x00\x07\x50\x00\x12\x24\x01\x15\x08\x47\x29\x01\x00\x00\x58\x14\x00\x08\x40\x00\x00\x00\x00\x00\x00\x00   \x02\x00\x30\x20\x05\x80\x80\xC0\x00\x00\x16\x54\x12\x22\x09\x00\x00\x04\x87\x00\x00\x12\x24\x01\x15\x29\x38\x47\x00\x00\x00\x30\x00\x00\x08\x40\x00   \x02\x00\x30\x20\x05\x80\x80\xC0\x00\x00\x16\x45\x21\x88\x34\x00\x00\x00\x00\x07\x50\x00\x12\x24\x01\x15\x08\x47\x29\x01\x00\x00\x58\x14\x00\x08\x40\x00\x00\x00\x00\x00\x00\x00   \x02\x00\x30\x20\x05\x80\x80\xC0\x00\x00\x16\x54\x12\x22\x09\x00\x00\x04\x87\x00\x00\x12\x24\x01\x15\x29\x38\x47\x00\x00\x00\x30\x00\x00\x08\x40\x00  
STARBUCKS #12847  ALEXANDERPLATZ 1  BERLIN DE 10178  15.01.2024 09:32  1x CAFFÈ LATTE  EUR3.90  MWSt 19%: EUR0.77  TOTAL: EUR4.80  VISA ****5540   UBER RIDE  NEW YORK NY  01/15/2024  TRIP-20240115-129  BASE: $18.50  SURGE: $4.00  TIP: $2.00  TOTAL: $24.50  VISA ****7753   STARBUCKS #12847  ALEXANDERPLATZ 1  BERLIN DE 10178  15.01.2024 09:32  1x CAFFÈ LATTE  EUR3.90  MWSt 19%: EUR0.77  TOTAL: EUR4.80  VISA ****5540   UBER RIDE  NEW YORK NY  01/15/2024  TRIP-20240115-129  BASE: $18.50  SURGE: $4.00  TIP: $2.00  TOTAL: $24.50  VISA ****7753  
MARRIOTT HOTELS  AUSTIN TX 78701  CHK-IN: 01/14 CHK-OUT: 01/16  ROOM: $189.00 TAX: $17.35  TOTAL: $206.35  VISA ****8812   HILTON LONDON BANKSIDE  2 SOUTHWARK BRIDGE RD  11.01.2024  ROOM: £198.00 VAT 20%: £33.00  TOTAL: £231.00  VISA ****2209   MARRIOTT HOTELS  AUSTIN TX 78701  CHK-IN: 01/14 CHK-OUT: 01/16  ROOM: $189.00 TAX: $17.35  TOTAL: $206.35  VISA ****8812   HILTON LONDON BANKSIDE  2 SOUTHWARK BRIDGE RD  11.01.2024  ROOM: £198.00 VAT 20%: £33.00  TOTAL: £231.00  VISA ****2209  
DELTA AIR LINES  FLT:DL1847 JFK-SFO 15JAN24  FARE: $342.00 TAX: $28.50 SEG FEE: $4.50  TOTAL: $375.00  AMEX ****3321   ENTERPRISE RENT-A-CAR  AUSTIN TX  PICKUP: 01/14 RETURN: 01/16  2DAYS MID-SIZE  RATE: $45.00/DAY  TOTAL: $103.47  VISA ****8812   DELTA AIR LINES  FLT:DL1847 JFK-SFO 15JAN24  FARE: $342.00 TAX: $28.50 SEG FEE: $4.50  TOTAL: $375.00  AMEX ****3321   ENTERPRISE RENT-A-CAR  AUSTIN TX  PICKUP: 01/14 RETURN: 01/16  2DAYS MID-SIZE  RATE: $45.00/DAY  TOTAL: $103.47  VISA ****8812  
<pain.001><PmtInf><PmtMtd>TRF</PmtMtd><ReqdExctnDt>2024-01-15</ReqdExctnDt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>US33000000000000000012</IBAN></Id></DbtrAcct><CdtTrfTxInf><Amt><InstdAmt Ccy="USD">487.00</InstdAmt></Amt><Cdtr><Nm>UNITED AIRLINES</Nm></Cdtr></CdtTrfTxInf></PmtInf></pain.001>   <pain.001><PmtInf><PmtMtd>TRF</PmtMtd><ReqdExctnDt>2024-01-15</ReqdExctnDt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>US33000000000000000012</IBAN></Id></DbtrAcct><CdtTrfTxInf><Amt><InstdAmt Ccy="USD">487.00</InstdAmt></Amt><Cdtr><Nm>UNITED AIRLINES</Nm></Cdtr></CdtTrfTxInf></PmtInf></pain.001>  
93856224680139921144522000384729 ASTRADA:ATX-20240115-492847 NETWORK:VISA BIN:452155 ACQUIRER:019284 BATCH:B20240115-EUR   93856224680137728833110000206350 ASTRADA:ATX-20240115-384729 NETWORK:MASTERCARD BIN:541277 ACQUIRER:028475 BATCH:B20240115-USD   93856224680139921144522000384729 ASTRADA:ATX-20240115-492847 NETWORK:VISA BIN:452155 ACQUIRER:019284 BATCH:B20240115-EUR   93856224680137728833110000206350 ASTRADA:ATX-20240115-384729 NETWORK:MASTERCARD BIN:541277 ACQUIRER:028475 BATCH:B20240115-USD  
Data Sources
Trusted by Leading Finance Platforms
Miter Extend Payhawk Workday Vergo Zoho
The Problem

Autonomous finance requires complete,
high-quality, real-time data

The Visibility Gap
40–60%
of card spend is invisible to the platform

Platforms that issue their own cards only see spend on those cards. Business travelers use personal cards. Teams in new markets use local corporate cards. The result: your platform is missing half the picture.

Astrada's answer: Bring Your Own Card. Employees enroll any card — personal, corporate, any issuer — and your platform sees everything. That's how you capture spend your competitors never see.
The Quality Gap
24–48h
delay on bank feed data

Bank feeds are batch-processed, delayed, and unstructured. You get a merchant name string and an amount — no MCC, no terminal ID, no real-time signal. You can't build autonomous categorization or real-time policy enforcement on that.

Astrada's answer: Direct card network connections. 10+ structured fields per transaction, delivered at authorization — not hours or days later. Your platform categorizes and enforces policy in real time, while competitors wait for yesterday's bank feed.
Question 1 of 3
Do you issue a card to capture business spend?
Autonomous finance means you can see all financial transactions, detect policy violations early, know your full exposure, and close the books faster.
Products

Get real-time data.
Auto-reconcile card transactions and bank statements.

Transaction Data API — Live transaction feed showing structured webhook data with merchant, amount, MCC, and status fields
Live

Transaction Data API

Connect to card networks directly. Get structured, real-time transaction data from any enrolled card — personal or corporate, any issuer.

Explore Transaction Data
Auto-Reconciliation — Card transactions matched to bank settlements with confidence scores
Early Access

Auto-Reconciliation

Automated card-to-bank matching using structured data fields. 10+ fields per transaction make high-accuracy reconciliation possible without manual review.

Explore Auto-Reconciliation

See how Astrada works for
your platform's use case

Expense Management Travel Management Accounting & ERP
Contact Sales → Get API Access