Tunaiku API Integration and OpenBanking Solutions

For Tunaiku (PT Bank Amar Indonesia Tbk) loans, account opening, repayments and transaction flows: protocol analysis and runnable API implementations

Enterprise-grade delivery · Audit-ready

Starting at $300 · Pay after delivery

OpenData · OpenFinance · Protocol Analysis · Data Delivery

Bring Tunaiku's loan and account capabilities safely into your system

We provide end-to-end delivery from protocol analysis and authorization reproduction to deployable API source code and automated testing, covering loan applications, disbursement, repayments and reconciliation, bill export, and automated account opening workflows.

Core integration scenarios

Loan application / approval workflow reconstruction: forms, risk scoring events, status callbacks
Disbursement and posting flows: SPEI / local bank transfers mapping (or equivalent Indonesian channels)
Repayments and reconciliation: installment statements, late fees, CSV/Excel exports for reconciliation
Automated account opening: remote KYC, document uploads and video verification adaptation

Deliverables

OpenAPI / Swagger docs + sample requests/responses
Protocol analysis report (authentication, signatures, session management)
Runnable source code (Node.js / Python / Go optional) and deployment instructions
Automation tests and data extraction / reporting scripts

Get a Quote & Proposal View Deliverables

Our deliverables (examples)

Standard Deliverables

API design documents (OpenAPI / Swagger)
Protocol analysis report (auth, signatures, session management)
Runnable backend code (examples in Python / Node.js)
Automation tests and Postman collections
Reconciliation and anomaly handling guidance

Example: Loan Statements API (pseudo-code)

# POST /api/v1/tunaiku/statements
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "customer_id": "ID123456",
  "from_date": "2025-09-01",
  "to_date": "2025-09-30",
  "product": "pinjaman"
}

Response: 200 OK
{
  "status": "OK",
  "data": [
    {"installment_id":"INS0001","due_date":"2025-09-15","amount":1075000,"paid":false},
    {"installment_id":"INS0002","due_date":"2025-10-15","amount":1075000,"paid":true}
  ],
  "export": {
    "csv_url":"https://files.example.com/export/stmt_123.csv",
    "generated_at":"2025-10-18T08:30:00Z"
  }
}

Scenario: Automated Account Opening & KYC

Account opening automation, remote KYC with document uploads and video callbacks, and automated notifications within compliant workflows.

Security & Compliance

All implementations are based on client authorization or public APIs, following data minimization, encryption, auditing and local data residency requirements. NDA available on request.

Our Tech Stack

HTTP/REST, OpenAPI, GraphQL (on demand)
Python (FastAPI), Node.js (Express/Nest), Go
OAuth2 / JWT / Cookie management and device binding
Automation testing (Postman, pytest), CI/CD

About Us

We are a studio focused on app protocol analysis and compliant API integration. Our team comes from finance, payments gateways and mobile security, delivering OpenData / OpenFinance integration with runnable code and documentation.

Expertise in finance apps (lending, banking, wallets, cards) protocol analysis
OpenAPI, SDKs and sample code for multiple languages
Privacy by design and data minimization guidance
Transparent pricing: starting at $300, milestone-based payments

Contact Us

If you would like a quote or to submit Tunaiku name and requirements, please visit our contact page:

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📱 Original App: Tunaiku — Full Description (Collapsed)

Tunaiku — App Overview

Tunaiku provides online unsecured personal loans in Indonesia, with loan amounts from Rp2,000,000 to Rp30,000,000, terms of 6–30 months, and a typical monthly interest rate of 3–5% (per app description). The service supports online applications, KYC, remote verification, and fast disbursement, backed by PT Bank Amar Indonesia Tbk, regulated by OJK and insured by LPS.

Products & Advantages

Flexible credit limits: up to Rp30 million
Online applications and video KYC for convenience
Multiple repayment options: bank transfers, auto-debit, or offline channels
Compliance and data security: ISO 27001 or equivalent certification (as disclosed by the provider)

Common Scenarios (Integration Examples)

Automated retrieval of loan agreements and installment schedules
Fetch disbursement transactions and reconcile against bank postings
Delinquency notices and collections status synchronization (compliant)
Account opening automation and KYC result feedback

(The above information is prepared for technical integration reference based on provided descriptions and publicly available information.)