specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Quiltt
providerId: quiltt
created: '2026-07-01'
modified: '2026-07-01'
reconciled: false
tags:
- Fintech
- Open Banking
- Financial Data
- Aggregation
- GraphQL
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Quiltt spend. Quiltt bills on a tiered, connection-metered
  model that abstracts underlying aggregator costs (Plaid, MX, Finicity)
  behind a single platform. The primary cost driver is the number of active
  production Connections and the set of enabled aggregator providers; sandbox
  usage is free. Exact per-connection rates are not published publicly.
notes: >-
  Quiltt does not expose full per-connection dollar rates publicly; verify
  against the Quiltt pricing page and your agreement during reconciliation.
sources:
- https://www.quiltt.io/pricing
- https://www.quiltt.dev
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Quiltt
serviceCategory: Financial Data and Open Banking
billingModel:
  pricingCategory: Tiered plus Usage-Based
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Quiltt Platform
  ServiceCategory: Financial Data and Open Banking
  ProviderName: Quiltt
  PublisherName: Quiltt
  InvoiceIssuerName: Quiltt
  BillingCurrency: USD
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: active_connections
  description: Active production Connections billed per connection per period.
  unit: connections
  aggregation: sum
  dimensions:
  - environment
  - provider
- name: enabled_providers
  description: Aggregator providers (Plaid, MX, Finicity) enabled for the environment.
  unit: providers
  aggregation: count
  dimensions:
  - environment
  - provider
- name: profiles
  description: End-user Profiles under management.
  unit: profiles
  aggregation: count
  dimensions:
  - environment
- name: graphql_requests
  description: GraphQL Data API requests against the unified financial data graph.
  unit: requests
  aggregation: sum
  dimensions:
  - environment
- name: session_tokens_issued
  description: Session tokens issued per Profile (rate-limited, not directly billed).
  unit: tokens
  aggregation: sum
  dimensions:
  - environment
  - profile
principles:
- name: Visibility
  description: Track active Connections and enabled providers per environment; connections are the dominant cost driver.
- name: Allocation
  description: Tag Profiles and Connections to internal customers/teams via metadata; map to cost centers.
- name: Optimization
  description: Disconnect stale Connections, enable only the aggregator providers you need, and cache session tokens to stay within issuance limits.
- name: Accountability
  description: Review connection counts and provider mix monthly against budget and negotiated volume terms.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com