AU 0101 — OpenBanking & OpenFinance Integration

Project package

• Protocol & authorization analysis report (OAuth2 / OIDC / mPIN / token refresh)
• OpenAPI (Swagger) spec & endpoint catalogue
• Production-ready SDKs (Node.js / Python / Go) and example integrations
• Webhook handlers, reconciliation tooling & sample DB schema
• Automated test scripts, Postman collection, and CI-friendly tests
• Compliance notes (KYC, data retention, consent logging) and deployment checklist

API sample — Account statement (pseudocode)

POST /api/v1/au0101/statements
Authorization: Bearer <CLIENT_ACCESS_TOKEN>
Content-Type: application/json

{
  "customer_id": "CUST-98765",
  "account_id": "SB-12345678",
  "from": "2025-01-01",
  "to": "2025-01-31",
  "format": "excel" // or json, csv
}

Response 200 OK
{
  "status":"OK",
  "statement_url":"https://cdn.example.com/statements/CUST-98765-2025-01.xlsx",
  "meta": {"transactions": 124, "generated_at":"2025-01-31T15:12:05Z"}
}

Key integration scenarios

Account aggregation, real-time balance peek, pay-by-QR and UPI rail integration, scheduled payouts, video KYC automation, multi-currency FD opening, and bank-grade audit logs for compliance.

Security & compliance

We implement OAuth2 / OIDC best practices, fine-grained scopes, proof-of-possession tokens (mTLS or DPoP where required), strict PKI, consent capture and tamper-evident audit logs. All work follows local regulations and privacy-by-design.

Typical deliverables & timelines

• Initial scoping & protocol analysis: 2–5 business days
• API design & PoC: 3–7 business days
• Implementation & test-suite: 5–12 business days
• Hardened delivery with docs & CI: 2–4 business days

API Integration Instructions (for technical teams)

1. Share target scope: list endpoints you need (accounts, payments, KYC, FDs, investments, webhooks).
2. Provide access: test app build / API docs / sandbox credentials or explicit owner consent for authorized integration.
3. We run protocol analysis (traffic & auth flow) and propose an OpenAPI design and security model.
4. We implement SDKs & webhook handlers; you run integration tests in your sandbox.
5. We assist with deployment, HSM / token rotation, and compliance checks prior to production cutover.

Note: If only public APIs exist we integrate via OpenData methods; if private protocols are involved we perform authorized protocol analysis and provide legal/compliance guidance before any work begins.

Example auth & webhook patterns

# OAuth2 client credentials (server-to-server)
POST /oauth/token
grant_type=client_credentials&scope=accounts.read payments.write
# Use rotating client secret + mTLS for production

# Webhook validation
X-Signature: sha256=BASE64_HMAC(payload, webhook_secret)
Verify signature & return HTTP 200 within 2s

About our studio

We are a small technical service studio specialising in app interface integration and authorized API integration for fintech, banking and payments. Our delivery includes protocol analysis, interface refactoring, OpenData/OpenBanking mapping, SDKs, automated tests and complete interface documentation.

• Experienced team with mobile, payments and cloud backgrounds
• Compliant, privacy-first implementations suitable for regional regulation
• Cross-platform support: Android & iOS SDKs and server-side samples
• Transparent pricing: projects start at $300 with optional deliver-first payment model

Contact

To start, provide your target app (AU 0101), desired integration points (e.g. accounts, payments, KYC) and any sandbox access or sample credentials.

Contact /contact.html