Open banking vs digital banks
Digital banks offer their own accounts. Open Banking lets regulated apps connect to accounts you already hold. Beluga’s early access waitlist is for a planned Open Banking dashboard — not a new bank.
What is a digital bank?
A digital bank (or neobank) is a licensed bank that offers accounts and services entirely online. Examples include Monzo, Starling, and Revolut. You open an account with them; your money sits in their institution.
What is Open Banking?
Open Banking is a UK framework that lets you authorise regulated apps to access account data via secure APIs. Your bank never shares your login password — only the read-only information you approve.
- • Tokenised, revocable access
- • Designed for AISPs (account information) and other roles
- • Beluga waitlist does not link a bank today
How Beluga fits in
Beluga plans an AISP-style, read-only product: connect existing UK banks and see them together, with Deepsight AI as a planned insight layer. We do not hold deposits. Public access is Get Early Access / Join the Deepsight AI Waitlist only.