Standard Chartered × Chocolate Finance

“A streamlined integration model built on Standard Chartered APIs is helping Chocolate Finance navigate complex international growth.”
— Standard Chartered

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Featured on Standard Chartered Open Banking Portal
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Chocolate Finance
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Chocolate Finance

Chocolate Finance is a new place for your spare cash. The app is currently live in Singapore and Hong Kong

> Check out Chocolate Finance

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Acme Technology

“Acme Technology provides bank connectivity services to corporate clients globally — a unified API platform that enables corporates to establish and maintain direct integrations with their banking institutions worldwide: account data, payment initiation, FX and virtual accounts.” — as described by Standard Chartered

Challenge

Expanding into new markets, they needed a simple, reliable way to support deposits and withdrawals without adding integration effort — each market has its own technical requirements.

Solution

They integrated SCB's APIs via Acme. SCB APIs are the core; Acme sits on top as the integration & orchestration layer — one interface instead of bank-specific integrations per market.

Collect MoneyMove MoneyNotifications & SubscriptionsReporting
How Acme automates Chocolate Finance deposits and withdrawals: the customer taps Deposit or Withdraw in the app; behind the scenes Acme picks up Standard Chartered's incoming-payment alert, confirms the payment and notifies Chocolate Finance instantly, sends payouts through SCB's payment API and tracks them to final status, and delivers daily bank reports, all through one API connection to SCB.How Acme automates Chocolate Finance deposits and withdrawals: the customer taps Deposit or Withdraw in the app; behind the scenes Acme picks up Standard Chartered's incoming-payment alert, confirms the payment and notifies Chocolate Finance instantly, sends payouts through SCB's payment API and tracks them to final status, and delivers daily bank reports, all through one API connection to SCB.
Outcome

Who does the heavy lifting?

Connecting to Standard Chartered in a new market: build it yourself, or let Acme handle the bank work end to end.

Build it yourself
Heavy lifting: your team
Integration progressStarts over every market
  • Bank onboardingYOU chase the bank through onboarding and paperwork
  • Account opening & API accessYOU work out the bank's requirements for both
  • Bank documentationYOU decode the specs and connection method
  • Next marketYOU start again with a new bank and new specs
  • After go-liveYOU handle bank quirks, data processing and support
Your engineers work onBank plumbing
VS
Integrate with Acme
Heavy lifting: Acme
Your appAcme APIStandard Chartered
Bank integrationHong Kong go-live in 3 months
  • Bank onboardingACME implementation team runs the project from onboarding
  • Bank integrationACME API integration and testing in just over 3 weeks
  • TestingACME test-mode environment lets you start testing early
  • Next marketACME reuses the same API for every new market
  • After go-liveACME handles data processing, bank quirks and support queries
Your engineers work onYour core product

You focus on your product. Acme takes care of the plumbing: mapping, pre- and post-processing, and keeping operations running.

Result

Improved processing efficiency, real-time visibility, smoother fund movements.

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“All the hard yards are done by the team — they just give us an eased-out integration. We integrate with Acme, and Acme does all the work integrating with the different banks in different countries.”

Chocolate Finance

As published by Standard Chartered, May 2026 · Read the original on Standard Chartered Open Banking

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