ZILLQ is one person's answer to a question most banking APIs never let you ask: what actually happens, step by step, between "grant consent" and "money moves"? This is that answer, built to be poked at, broken, and understood.
Every consent screen, every payee check, every ledger entry — visible, and running on infrastructure built from the actual regulatory text, not a marketing summary of it.
European open banking runs on rules most engineers never read. PSD2, the incoming PSD3/PSR framework, the Berlin Group specs, the EPC's Verification-of-Payee scheme — dense, precise, and almost always hidden behind a bank's own closed integration. ZILLQ exists to put that machinery in the open: a working PSD2 sandbox, built independently, with PSD3/PSR-ready models where those rules are settled enough to implement — and clearly marked where they're still proposed, not yet in force.
It's a one-person build, still growing, deliberately narrow in scope and deep in correctness. Synthetic money, real mechanics. Every payment you initiate here really does pass through consent, Verification of Payee, Strong Customer Authentication, and a hash-chained ledger — the same sequence a real transfer would, minus the real bank on the other end.
The work behind it — and the reasoning for why it's built this way — is also the subject of two consultancy offers below, for anyone who wants the same rigor applied to their own payments engineering.
Hands-on, one-on-one, over a call. You leave with something running or something you understand well enough to run yourself.
€650 / session
A working copy of this sandbox on your own machine, not just an account on mine. We build it together, live, so you understand every moving part instead of inheriting a black box.
€650 / session
How to actually use the Model Context Protocol — and an AI coding agent — on a regulated, high-stakes codebase without it quietly wrecking something a compliance review would catch too late.
One email gets it booked. No discovery call, no deck, no upsell — just the work.
A line or two on your setup and what "done" looks like for you is enough to prepare properly.
One reply back with a couple of slots. Sessions run over a call, screen-shared, at a time that works for both of us.
Working environment or working understanding — plus notes afterward so you're not reconstructing the session from memory.
No. ZILLQ is an independent sandbox and this consultancy is independent work — not investment, legal, or regulatory advice, and not a substitute for your own compliance review.
No. Session 01 exists precisely for people starting from nothing — a laptop and a couple of hours is enough. Session 02 assumes you already have a codebase you want to point an agent at.
Yes — mention the group size in your email and I'll confirm whether it changes the format or the rate.