Host Your Banking APIs DORA-Compliant on European Infrastructure with ayedo

DORA is coming. And this time, it’s not just about a few pretty compliance PDFs.

What many banks, payment service providers, and FinTechs are just beginning to realize:

DORA (Digital Operational Resilience Act) is not just another documentation and audit procedure that can be elegantly addressed with a few policies and certificates. DORA delves much deeper into operational operations.

It’s about technical resilience. Not at the PowerPoint level, but directly in the infrastructure.

DORA is not data protection, DORA is operational responsibility

The real core of DORA: Complete control over the operational capability and disruption resilience of critical IT systems. Exactly what traditional SaaS or public cloud models are reluctant to disclose in detail.

As soon as APIs, platforms, or interfaces are operational in payment transactions, DORA intervenes at several points:

• Complete control over incident management
• Transparent change and release processes
• Geographically controlled data storage
• Provable access control at all levels
• Operational resilience tests with real failure scenarios

This is not about pretty log files and monthly availability statistics.

It’s about being able to prove in detail at any time, who accesses which systems when, who deploys where, who changes which configuration — and what happens when a system really fails at the edge.

Cloud alone is no longer enough

Many are currently building their banking APIs on generic public cloud platforms. Nicely scalable, convenient, seemingly secure.

But DORA is not interested in scaling. DORA is interested in transparency, controllability, and complete auditability.

Who can access the Control Plane?

Who operates the key management?

Who manages the Service Mesh?

Who can restart systems or enforce failover in case of failure?

If all this is outside one’s own responsibility (or centralized with globally operating platform providers), things get tight quickly when DORA audits go deeper.

The regulatory responsibility remains with the banks and payment service providers. Not with the host. Not with the platform provider. And by 2025 at the latest, this responsibility will be scrutinized sharply.

European infrastructure, complete control

This is exactly where infrastructure is needed that remains operationally traceable.

European jurisdiction. Clear operational processes. No external access to Control Plane components. No legal gray area through non-European legal systems.

We operate infrastructure for exactly these scenarios:

• Data centers exclusively in Europe, under European law.
• No platform dependency on US or third-country providers.
• ISO27001-certified operational models, documented in an audit-proof manner.
• API gateways, service mesh, and deployment processes fully controlled.
• Complete logging of every administrative action.
• Disaster recovery and incident response realistically testable, not just on paper.

This is no longer optional. This is the technical foundation to remain regulatory stable in the coming years.

Conclusion

DORA shifts the responsibility to where it belongs: in operational operations.

Those who still run banking APIs on platforms today that they only superficially understand and cannot fully control will have to explain in audits how they actually operationalize resilience and compliance.

Secure APIs do not start with the TLS certificate. They start in the infrastructure that you control yourself.

And that is exactly why we built the stack.

Further insights into structured compliance approaches and ISO certifications show how systematic approaches lead to long-term success. For companies that take digital sovereignty seriously, European Kubernetes platforms offer the necessary control and transparency.