In the U.S., to obtain credit card and bank data, Pave will go through OFX (Open Financial Exchange – the specification allowing the online exchange of data between financial institutions and consumers) from financial providers that support it. For companies that do not, Pave will utilize user’s login credentials and scrape the data. Pave plans to use smart contracts to integrate with third party financial institutions whom have application programming interfaces (“APIs”).
 In countries of the European Union, all financial data will be obtained through APIs. Financial Institutions in the EU will be required to share their data through APIs starting in 2018 thanks to the European Commission’s Payment Service Directive (PSD2).