InstaMoney API Integration & OpenFinance Solutions

Delivery Pack

• OpenAPI / Swagger complete interface specifications
• Protocol and authorization flow analysis (based on authorized access / open interfaces or client authorization)
• Runnable backend code (Node.js / Python): loan application, risk invocation, disbursement and repayment webhooks
• Automated test scripts and Postman collection for acceptance testing
• Compliance guidance (KYC, data retention, cross-border settlements) and logging strategy

Example: Loan Application API (Pseudo-code)

// Example: loan application API (pseudo-code)
POST /api/v1/loans/apply
Content-Type: application/json
Authorization: Bearer <CLIENT_API_KEY>

{
  'app_user_id': 'user_12345',
  'full_name': 'RAHUL K',
  'mobile': '+9198xxxxxxxx',
  'pan': 'ABCDE1234F',
  'aadhaar_hash': 'sha256(...)',
  'monthly_income': 45000,
  'loan_amount': 15000,
  'tenure_months': 6,
  'bank_account': { 'ifsc':'HDFC0000123','account_no':'XXXX1234' }
}

Response: {
  'status':'PENDING',
  'score': 62,          // Risk score from CRM model
  'offer': { 'apr': 24.0, 'processing_fee': 3.5 },
  'application_id':'APP-20251101-0001'
}

Key Modules

Risk scoring, KYC validation, installment plan generation, disbursement commands, receipts and auto reconciliation. Supports audit logs, data retention and minimization policies.

API Integration Guide (Quick Start)

1. Provide the target App name and concrete requirements (e.g., application for credit, disbursement, reconciliation, risk management).
2. Sign NDA or authorization letter if needed to connect to private interfaces.
3. We perform protocol analysis and return feasibility and implementation plan (2-5 business days).
4. Once interfaces and data fields are confirmed, we deliver runnable code, API documentation and test suites (5-12 business days).
5. Deployment and integration: support in customer environment or we deploy to production and harden security.

Compliance & Privacy

All integrations are based on explicit user authorization or public APIs. We provide data minimization guidance, logging and consent tracking, and retention/deletion policies compliant with RBI and Indian data protection requirements for PAN/Aadhaar verification where applicable.

About Us

We are a studio focused on mobile app protocol analysis and API integration for financial services. Our team brings years of experience in fintech, payments gateways and risk management, delivering end-to-end API-enabled solutions with compliance baked in.

• Android & iOS protocol analysis and integration
• OpenAPI documentation, SDK samples and automated tests
• Security deployment recommendations and audit-ready logs
• Transparent pricing: starting at $300, with acceptance-first payment options

Contact & Next Steps

To request a quote, submit your target App name (already provided) and integration use cases, or discuss timelines with us, please visit our contact page:

View Contact Information / Submit Request