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Demiton

Universal Banking

Stable Connected tier

The Universal Banking connector handles SFTP-based bank file exchange - retrieving statements and delivering payment files to your bank’s host-to-host (H2H) endpoint. Supported banks include Westpac, CommBiz, NAB, and ANZ.

Authentication: SFTP - host, port, username, password; optional PGP public key for encrypted delivery
System type: BANKING_GENERIC
Protocol: SFTP with optional PGP encryption

Supported resources

ResourceFETCHPUSHEXECUTE
files✓✓✓

FETCH supports two modes:

  • EXPLORER - recursive directory listing with file metadata
  • CONTENT - file download

EXECUTE supports: DOWNLOAD, DELETE, ECHO_TEST

Integration model

The adapter connects to your bank’s SFTP endpoint. Files can be retrieved (statements, reports) or uploaded (payment instructions, payroll files). When a PGP public key is configured, outbound files are encrypted before delivery.

Payment files follow the naming convention PAY_YYYYMMDD_HHMMSS and are generated automatically. An echo test command is available to verify connectivity without transferring real data.

Connection setup

Required values:

  • Host - bank SFTP hostname
  • Port - typically 22
  • Username - SFTP account username
  • Password - SFTP account password
  • Bank Public Key (optional) - PGP public key for encrypted file delivery

Security

Access type: Read and governed write

Demiton retrieves bank files (statements, reports) and delivers payment files to the bank’s SFTP endpoint. File uploads only occur through governed workflows with explicit approval gates.

Permissions required: SFTP credentials with access to the directories your workflows use. Use a dedicated SFTP account for Demiton.

Data sensitivity: Banking data is classified as financial domain - restricted to users with appropriate access. Payment files carry financial instructions and should be treated with the same care as other financial authorisations.

Use SSH key authentication where your bank supports it. Rotate credentials on a regular schedule.

Next steps