Agibank API Integration Services

Personal Finance Management (PFM) Aggregation

Business Context: A wealth management app needs to consolidate a user's Agibank checking balance, credit card debt, and payroll loan obligations into a single view.

Involved Data/API: Authentication API, Balance Endpoint, Credit Status Endpoint.

OpenFinance Value: Enables Open Finance by providing a holistic view of the user's financial health, automatically categorizing Agibank transactions without manual data entry.

B2B Accounting & Reconciliation

Business Context: A small business using Agibank to receive payments needs daily transaction logs pushed to their ERP system (e.g., Conta Azul, Omie).

Involved Data/API: Statement Retrieval API (filtered by date and Pix receipts).

OpenFinance Value: Reduces manual accounting errors. The data pipeline transforms proprietary app protocol responses into standardized JSON/CSV formats for seamless ERP ingestion.

Credit Scoring & Debt Consolidation

Business Context: A third-party lender wants to offer refinancing options to Agibank customers by analyzing their current 'Consignado' (payroll loan) rates and outstanding balances.

Involved Data/API: Loan Simulation & Active Credit API.

OpenFinance Value: Leverages Open Data principles to access competitive loan terms, allowing fintechs to provide tailored refinancing offers based on real-time debt profiles.

Automated Salary Verification

Business Context: A rental agency or neo-broker requires proof of income. They use the integration to verify the user's 'Portabilidade de Salário' (salary portability) deposits.

Involved Data/API: Transaction History API (filtered by deposit origin).

OpenFinance Value: Streamlines background checks and credit approvals by programmatically verifying income streams directly from the bank's ledger.

Session Initialization & Authentication

Simulates the app's login flow using CPF and device fingerprinting to obtain a bearer token.

POST /api/v1/agibank/auth/login
Content-Type: application/json
User-Agent: Agibank/App-Android (br.com.agipag.app)

{
  "cpf": "12345678900",
  "password": "********",
  "device_id": "android-uuid-xyz"
}

// Response
{
  "status": "success",
  "access_token": "eyJhbGciOiJIUzI1Ni...",
  "expires_in": 3600
}

Fetching Payroll Loan (Consignado) Details

Retrieves active loan contracts, a key feature given Agibank's strong focus on pensioners and CLT workers.

GET /api/v1/agibank/credit/active-loans
Authorization: Bearer <ACCESS_TOKEN>

// Response
{
  "loans": [
    {
      "contract_id": "AGI-998877",
      "type": "CONSIGNADO_INSS",
      "total_amount": 5000.00,
      "installments_total": 48,
      "installments_paid": 12,
      "interest_rate": 1.65,
      "next_due_date": "2025-10-05"
    }
  ]
}

Data Flow Architecture

Our integration provides a reliable middleware layer between your backend and Agibank's servers:

• 1. Client Authentication: Your system sends user credentials (CPF/Password) securely to our proxy API.
• 2. Protocol Emulation: Our engine emulates the Android/iOS app requests (br.com.agipag.app), bypassing basic SSL pinning and handling session tokens.
• 3. Data Extraction & Normalization: Raw JSON responses from Agibank are parsed, cleaned, and normalized into a standard Open Finance schema.
• 4. Delivery & Webhooks: Data is delivered to your system synchronously via REST response or asynchronously via Webhooks (e.g., for new Pix transactions).

Compliance & Privacy

Operating in the Brazilian financial ecosystem requires strict adherence to local regulations. Our integration tools are designed to be deployed within your secure infrastructure.

About Our Technical Studio

We are a specialized technical studio focusing on App interface integration and authorized API development. With deep expertise in the Brazilian fintech ecosystem (including apps like Nubank, PicPay, and Banco do Brasil), we reverse-engineer protocol workflows to unlock Open Data capabilities where official APIs are lacking or restrictive.

We serve international and local clients, delivering robust Python/Node.js source code, comprehensive documentation, and maintenance strategies.

• Experts in Android/iOS protocol analysis and SSL unpinning.
• Focus on delivering executable source code, not just SaaS access.
• Experience with Brazilian financial protocols (Pix, CIP, Consignado).
• Transparent pricing and milestone-based delivery.

Project Workflow

1. 1. Requirement Analysis: You define the specific data points needed from Agibank (e.g., just statement sync, or full loan origination).
2. 2. Protocol Feasibility: We analyze the current version of 'br.com.agipag.app' to map required endpoints and authentication hurdles.
3. 3. Development: We script the API wrappers (Node.js/Python), implementing retry logic and error handling.
4. 4. Delivery & Testing: We provide the source code, Postman collections, and setup instructions for your environment.
5. 5. Handoff: Final payment upon successful testing in your infrastructure.