UATAS — API Integration & App Protocol Analysis

Delivering production-ready OpenData/OpenFinance API implementations for loan origination, disbursement and repayment workflows.

Starting at $300 · Pay after delivery option
OpenFinance · OpenData · Protocol Analysis · Fintech Integration

Integrate UATAS capabilities into your backend in days — securely and compliantly

We analyse the UATAS Android app (com.uatas.android) flows and deliver documented, ready-to-run APIs for loan application, status polling, disbursement and repayment reconciliation. Ideal for banks, aggregators and accounting systems that need automated statement export and reporting.

Loan Origination API — Submit customer application, supporting documents and get a decision token. Includes retry logic, idempotency keys and test-mode simulation.
Disbursement & Payout — CLABE/IBAN or local bank account push, plus cash-out via retail partners (Alfamart / DAN+DAN) mapping and fee handling.
Repayment & Reconciliation — Monitor incoming payments (bank transfer, retail channel), reconcile against loan ledger, generate scheduled statements and CSV/Excel exports.
Security & Compliance — Integration delivered with consent capture patterns, data minimization, audit logs and recommendations aligned with OJK and ISO27001 practices.
Request Integration View Deliverables

What we deliver

Production-ready kit

  • OpenAPI (Swagger) specification for all endpoints
  • Reference server implementation (Node.js / Python) with auth middleware
  • Client SDK snippets (cURL, JS, Python) and Postman collection
  • Automated test suite (integration + sample fixtures)
  • Protocol analysis report (workflow diagrams, observed endpoints, rate-limits, error codes)

Example API snippet (pseudo)

POST /api/v1/uatas/loan/apply Content-Type: application/json Authorization: Bearer <CLIENT_API_KEY> { "customer": { "phone": "+62xxxxxxxxxx", "full_name": "Jane Doe", "id_number": "KTP...", "bank_account": { "bank_code": "BNI", "account_number": "1234567890" } }, "amount": 2000000, "tenor_days": 120, "idempotency_key": "uuid-v4" } Response 202 Accepted { "application_id": "app_abc123", "status": "PENDING_VERIFICATION", "next_steps": ["upload_selfie","consent_signature"] }

Typical integration scenarios

Loan marketplace, wallet disbursement orchestration, retail cash-out reconciliation, accounting exports (CSV/Excel), scheduled repayment reminder webhooks and back-office dashboards.

API Integration Instructions (recommended)

  1. Share your integration scope: endpoints needed (apply, status, disburse, reconcile, statements).
  2. Decide auth model: API-key for server-to-server or OAuth2 for delegated operations.
  3. We provide OpenAPI + mock server for local testing (fixtures mimic UATAS flows).
  4. Implement webhook endpoints to receive payment events and status updates (secure with HMAC signature).
  5. Run our test suite against your staging; we'll help troubleshoot and tune retries/idempotency.
  6. We deliver final documentation, SDKs and compliance checklist for production go-live.

Security, Data & Compliance

All integrations are delivered with privacy-first patterns: minimal PII storage, consent logging, encrypted secrets, and recommended retention policies. We align with Indonesian financial guidelines (OJK) and ISO27001 best practices for information security.

About our studio

We are a compact technical studio focused on app interface integration and authorized API deliveries for fintech and consumer apps. Core team experience: mobile protocol analysis, bank integrations, OpenFinance standards and secure backend delivery.

  • Hands-on with Android/iOS protocol analysis and OpenAPI delivery
  • Offerings: protocol analysis, interface refactor, OpenData integration, third-party API integration
  • Deliverables: running source code, docs, automated tests, and production deployment guidance
  • Transparent pricing & timelines — starting service from $300, pay-on-satisfaction option available

Contact & Next steps

To get started, click the contact link below and provide: target app package (com.uatas.android), exact features you need (loan apply, disburse, reconcile), and whether you have sandbox credentials.

Go to contact page

Original App — UATAS (com.uatas.android) — Full description (collapsed)

UATAS helps meet your financial needs. Get quick cash loans with an easy and secure application process anytime, anywhere.

Loan products

  • Cash loans: IDR 1,000,000 - IDR 20,000,000
  • Tenor: 91–120 days
  • Max interest rate: 14% per annum
  • Other fees on loans do not exceed 2% per loan

Example: For a 1,000,000 IDR loan at 14% p.a. for 91 days total payable is calculated as principal + interest + 2% fee = IDR 1,054,904.

How to apply

  1. Download UATAS from Google Play
  2. Register/login with phone number
  3. Select loan amount and tenor
  4. Fill in required information and verify data
  5. Await analyst review and disbursement to your bank account

Features & commitments

  • Registered with OJK: S-454 / NB.213 / 2019
  • ISO/IEC 27001:2013 certified (ISMS1001070)
  • Fast disbursement to bank accounts and retail outlets (Alfamart chain)
  • Customer support: cs.support@uatas.id | +62 21 21267312
  • Head office: Menara Dea Tower 2, Jakarta
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