Fintech innovation is being driven by the ability to build on real-time transaction data, a shift enabled by regulations like PSD2 and practices such as Open Banking, which allow developers to use financial data to create user-focused applications. However, while Open Banking APIs offer access to bank account data, the data's quality, quantity, and delivery speed vary significantly between banks, and users often hesitate to share their credentials frequently. In contrast, card-based solutions, like those offered by Fidel, provide rich, real-time data and simpler enrollment processes, which enhance user engagement and instant gratification. Fidel's API facilitates immediate data delivery upon each transaction, offering developers extensive information such as geolocation and merchant details, thereby unlocking numerous opportunities for application development. As card ownership and usage continue to grow globally, Fidel aims to leverage this trend by enabling developers to integrate payments seamlessly into their products, fostering a new wave of payments-led innovation while ensuring compliance with data privacy regulations.