Open Financial Data Protocol
A consumer-owned, federated, open standard for personal financial data.
Context
Fragmented
Consumer financial data is scattered across hundreds of institutions with incompatible formats and no standard way to access it.
Intermediated
Aggregators like Plaid and MX charge institutions for access to data consumers generated, creating misaligned incentives.
Opaque
No standard provenance model means consumers and AI agents can't tell where data came from or how much to trust it.
Overview
OFDP is a data layer — not a payment system. It defines how financial data is structured, stored, shared, and verified across institutions, applications, and AI systems. It is designed to complement FDX and Section 1033 infrastructure by adding a consumer sovereignty layer.
Consumer Owned
Your instance is the authoritative source for your financial identity. Institutions are data sources, not data owners.
AI Native
Structured, normalized data designed to be consumed by AI agents without transformation.
Self Hostable
Runs on modest hardware. No cloud dependency required.
Interoperability
OFDP consumes FDX-compliant APIs as a data source
Transaction fields map directly to OFDP schema
Foundation for all ConnectionRequest authorization
OFDP instances expose MCP servers for AI agent access
OFDP is the consumer layer above institutional infrastructure
Roadmap
Open for comment from financial institutions, credit unions, fintech developers, and consumer advocates.