Why OS3N Flow
Plaid and TrueLayer are great providers — but each only covers part of the world, and their schemas don't match. OS3N Flow is the layer above them so your team integrates once.
| Capability | OS3N Flow | Plaid only | TrueLayer only | Build in-house |
|---|---|---|---|---|
| Single normalized schema | ||||
| US + Canada coverage | ||||
| EU + UK coverage (incl. Revolut) | ||||
| Multi-tenant proxy for partners | ||||
| AES-256-GCM token encryption | ||||
| Single contract & invoice | ||||
| Background sync + cron | ||||
| Drop-in connect UI | ||||
| Build & maintenance time |
We're honest: if you only need US data and want to negotiate Plaid rates directly, going to Plaid alone can be cheaper. OS3N Flow wins when you need multi-region coverage, a normalized schema, or a multi-tenant proxy for partner apps.