Alif: Payments and Transfers — API & Open Banking Integration

Accounting and ERP sync

A business in Tajikistan or a diaspora client needs to sync Alif wallet and card transactions into accounting software or ERP. Our delivered API provides transaction-history and statement endpoints (aligned with OBP or protocol-derived patterns). Data maps to Open Banking: structured debits, credits, dates, and balances. Flow: Alif-authorized client → SCA/consent → API (e.g. Alif Bank sandbox or production) → export to accounting; duplicate detection and categorization can be applied downstream.

Remittance and cross-border reporting

A company or individual uses Alif for international transfers (190+ countries, including USA via Visa Direct since 2025). Our implementation can expose transfer metadata—amount, currency, status, counterparty—for treasury dashboards and compliance. This fits Open Data portability: transfer history without sharing app credentials. Consent and NBT-aligned retention apply.

Expense and spending analytics

A finance team needs Alif payment and card data for expense categorization and spending insights (by category and percentage). We deliver an API that returns transaction list with date and type filters. Use: dashboards, policy checks, and integration with expense tools; aligns with Alif’s in-app spending insights and cashback data.

Compliance and audit

An auditor or compliance team needs exportable transaction and statement records for a given period. Our implementation can expose statement and movements endpoints with date filters. Response includes amounts, dates, and booking status—aligned with National Bank of Tajikistan (NBT) expectations and data protection for audit trails.

Multi-source aggregation (Central Asia)

A user or business wants to see Alif accounts alongside other providers (e.g. AccessBank Tajikistan, or regional wallets). We deliver a consent-based API that returns balances and transaction lists. This fits Open Banking–style Account Information Services: multiple sources in one view. Fields: accounts[], balances[], transactions[] with standard identifiers; consent and SCA where applicable.

Deliverables

• API specification (OpenAPI / Swagger)
• Protocol and auth flow analysis (OBP, SCA, token)
• Runnable API source code (Python / Node.js) for statement, transactions, balances
• Test scripts and interface documentation
• Compliance notes (NBT, data protection, consent, retention)

Example: transaction history (pseudo)

// Example: get transaction history (pseudo)
GET /api/v1/alif/transactions
Authorization: Bearer <ACCESS_TOKEN>
Query: from_date, to_date, type, limit, offset

Response: {
  "transactions": [
    { "id": "tx1", "date": "2025-03-10", "amount": -120.50,
      "type": "utility", "description": "Mobile", "balance_after": 1420.00 }
  ],
  "total_count": 42
}

Example: balance and statement (pseudo)

// Example: get wallet balance and statement (pseudo)
GET /api/v1/alif/accounts/{accountId}/statement
Authorization: Bearer <ACCESS_TOKEN>
Query: from_date, to_date

Response: {
  "opening_balance": 1500.00,
  "closing_balance": 1420.00,
  "total_debits": 200.00,
  "total_credits": 120.00,
  "currency": "TJS"
}

Example: auth and error handling (pseudo)

// Auth: OBP / SCA (pseudo)
POST https://api.alif.tj/auth/token
Content-Type: application/json
Body: { "grant_type": "authorization_code", "code": "..." }

Response 200: { "access_token": "...", "expires_in": 3600 }
Response 401: { "error": "invalid_grant" }
Response 429: { "error": "rate_limit", "retry_after": 60 }

Compliance & privacy

We work from client authorization or official/authorized APIs and follow privacy and local regulations. Alif Bank Open Joint Stock Company operates under the National Bank of Tajikistan (NBT) and maintains a correspondent account and state registration. Open Banking in Tajikistan is evolving; Alif offers a developer portal, sandbox, and Open Bank Project (OBP) integration with Strong Customer Authentication (SCA). We align with applicable data protection principles and NBT expectations; implementations support consent records, minimal data retention, and secure transmission. Where relevant for cross-border data, we consider international standards and user rights.

Data flow / architecture

A typical pipeline we design: (1) Client app (Alif Mobi or your front-end)—user consents and triggers requests. (2) Ingestion / API layer—our delivered service authenticates (e.g. OBP/SCA, token), validates scope, and calls Alif’s APIs (sandbox or production) or protocol-derived endpoints. (3) Storage or cache (optional)—for aggregation or reporting. (4) Output—JSON/API to your accounting software, dashboard, or analytics. Logs and consent are retained for audit.

Market positioning & user profile

Alif targets B2C and B2B customers in Tajikistan and the wider region. With over 2.2 million active customers and 5 million+ app downloads, it is a leading fintech in Central Asia. The app is available on Android (tj.alif.mobi) and iOS, in Russian, Tajik, Uzbek, and English. Alif Bank offers Alif Business (1,000+ corporate customers), Alifshop.tj (marketplace), and Salom card acquiring (2,000+ merchants). In the same ecosystem, AccessBank Tajikistan also appears on the Open Banking Tracker; HUMO and Uzcard are regional card schemes that Alif supports. Integration work can complement accounting, remittance reporting, and dashboards used by businesses and consumers.

About us

We are a technical studio focused on app interface and authorized API integration. We deliver protocol analysis, Open Data integration, third-party integration, and automated scripting plus API documentation. Services start at $300; we can deliver first and you pay when satisfied.

• Experience in fintech and mobile apps
• Android and iOS; ready-to-use API source and docs
• Transparent pricing; result-first option

Contact

For inquiries, quotes, or to send your target app and requirements:

Contact us

Process

1. Confirm needs: app name (Alif: payments and transfers) and integration scope (transactions, statement, balances, transfers).
2. Protocol analysis and API design (2–5 days, depending on scope).
3. Development and validation (3–8 days).
4. Delivery of docs, samples, and tests (1–2 days).
5. Typical first delivery: 5–15 business days.

FAQ

What do I need to provide?

How long until delivery?

Compliance and privacy?