Open Banking Infrastructure for the Caribbean
Arco is the middleware API platform that sits between Caribbean financial institutions and every application that needs to communicate with them — enabling real-time account data, balance reads, transaction history, and payment initiation through a single, standardised API.
Individual banks have moved to digital channels — but the connectivity layer that allows third-party applications to interact with those banks simply does not exist. There is no Caribbean equivalent of Plaid, of Open Banking, of any standardised mechanism for permissioned financial data access.
Arco is a middleware API platform. It exposes a clean, standardised interface to developers on one side, while managing the complexity of institution-side integration on the other.
A RESTful API providing authenticated, permissioned access to financial data. Account information, transaction history, balance reads, account ownership verification, and payment initiation — through a single standardised interface.
An OAuth 2.0 compliant authorisation framework. Banking credentials never touch third-party applications. Scoped access tokens, revocable at any time by the user, keep consent fully in the hands of the individual.
A developer portal with API documentation, sandbox environments, application registration, and usage analytics. Any Caribbean developer or business can register, explore the API, and build on the platform.
Build Caribbean-native fintech products on a platform designed for the region. Real-time data, clean documentation, and a sandbox to build against before a single institution conversation.
Connect Caribbean bank accounts to QuickBooks, Xero, and other accounting software — automatically. Bank-feed connectivity that has been unavailable in the region until now.
Join the Arco network and give your customers access to a growing ecosystem of applications. Position your institution as open banking-ready within the ECCB's evolving regulatory framework.
Standardised financial account verification, benefit payment disbursement, and inter-agency financial data sharing — built on infrastructure aligned with ECCB regulatory frameworks.
Transaction-based credit assessment for individuals with no formal credit history. Payroll account verification to reduce failed payments. Data-driven decisions for a new generation of Caribbean borrowers.
Connect your accounts to personal finance tools, budgeting apps, and the applications designed to help you understand your money — in ways previously impossible in the Caribbean.
The Payment System and Services Act 2025 — passed across multiple ECCU member states — establishes the regulatory foundation for fintech innovation in the Eastern Caribbean. Arco is designed to operate within this framework from day one, not as a disruptor to be regulated after the fact, but as a cooperative infrastructure partner.
Arco is founded by Jaimon Orlé, a software developer with a background in full-stack development, cloud infrastructure, and enterprise systems integration. Through Orlé Industries, he has operated as an independent technology founder for over four years, with experience across systems architecture and product development across the Caribbean.
Jaimon currently serves as Software Developer on a joint project between the Government of Dominica's Computer Centre, the Ministry of Health, and the World Food Programme — building the Social Welfare Information Management System (SWIMS), a national platform for social protection delivery.
This role provides direct, practical experience designing and delivering government-scale digital infrastructure in the Caribbean, and active institutional relationships with the bodies that would be Arco's natural public sector partners. Arco's founder is not an outside observer proposing a solution — he is already embedded in the ecosystem this infrastructure is designed to serve.
Whether you are a financial institution, government agency, developer, or investor — if you are interested in what open banking means for the Caribbean, we want to hear from you.
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