XS2A stands short for "access to the account".
The XS2A product line consist of three main sets of APIs, that are optimized for a specific use case:
XS2A.risk (Analytics Platform) provides a set of APIs that are optimized for single-shot access to the account meaning a user is accessing their account only once. The extracted data can be processed using a number of preconfigured modules.
XS2A.pay (Payment Platform) is the white label payment solution. XS2A.pay consists of a payment initiation API, a fully-fledged fraud prevention tool and a rich set of configuration options.
XS2A.api (Open Banking Platform) is the preferred solution for recurring access to the account.
Every product can be combined with one of the following methods to display the customer-facing process (PIN/TAN entry in the browser).