Account Aggregator

MIA Chatbot-First UX — iPhone 16 Pro frames — 402 × 874 px

Conversational AI
MIA-Guided AA Journey
9:41
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MIA
My Intelligent Analyst
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Personalized
Welcome! To give you truly personalized wealth advice, I'd love to securely view your financial accounts. This takes just a minute.
9:41 AM
🛡
What is Account Aggregator?
A RBI-regulated framework that lets you securely share financial data — bank accounts, investments, insurance — without sharing passwords.
RBI Regulated
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Here's what you'll get:
  • Auto-sync your portfolio in real-time
  • Complete net-worth view in one place
  • Recommendations based on your actual data
  • End-to-end encryption, revoke anytime
9:41 AM
Let's connect my accounts
Tell me more
Maybe later
Let's connect my accounts
9:42 AM
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1 — AA Intro (MIA Chat)
9:42
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MIA
My Intelligent Analyst
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Let's link your bank accounts. Which banks do you use? Tap all that apply.
9:42 AM
🏦
HDFC
Savings, FD
🏧
SBI
Savings
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ICICI
Bank
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Axis
Bank
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Kotak
Bank
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More
HDFC Bank, SBI
9:42 AM
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Great choices! Do you also have mutual funds, insurance, or demat accounts you'd like to connect?
9:42 AM
Mutual Funds (CAMS)
Insurance
NSDL/CDSL
That's all, proceed
Mutual Funds + that's all
9:43 AM
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Personalized
Perfect! I'll connect to HDFC Bank, SBI, and CAMS Mutual Funds. Ready to proceed?
9:43 AM
2 — FIP Selection (MIA Chat)
9:43
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MIA
My Intelligent Analyst
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Regulatory
Before I connect, RBI requires your explicit permission to share financial data. Here's exactly what I'll access:
9:43 AM
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Data Access Summary
  • Bank account balances & transactions
  • Mutual fund holdings & NAV
  • Fixed deposits & recurring deposits
Purpose Personalized advisory
Duration 6 months (renewable)
Frequency Daily auto-refresh
SEBI Compliant
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Your data is encrypted end-to-end. You can revoke access anytime from Settings. No passwords are ever shared.
9:43 AM
✓
I authorize BYLD Wealth (via RBI-licensed AA) to fetch my financial data for personalized advisory. I can revoke this consent at any time.
I Approve — Link My Accounts
Modify access scope
Change duration
Not now
Powered by Sahamati Account Aggregator ecosystem
3 — Consent (MIA Chat)
Processing & Results
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MIA is connecting your accounts...

Verifying with
Your Banks

HDFC Bank
Connected
State Bank of India
Processing
CAMS Mutual Funds
Waiting...
Having trouble? Contact support
4 — Redirect / Processing
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MIA has analyzed your accounts

Accounts Connected!

3
Institutions Linked
HDFC
SBI
CAMS
Bank Deposits ₹42,50,000
Mutual Funds ₹28,75,000
Fixed Deposits ₹15,00,000
Total Net Worth ₹86,25,000
Last synced: Just now
5 — Success
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MIA: Partial connection — I can help

Partially Connected

Connected 2
✓
HDFC Bank
All accounts synced
✓
CAMS Mutual Funds
All folios synced
Failed 1
✗
SBI
Timeout — bank server unavailable
6 — Partial Success