Nero

NeroCredit — OpenFinance Integration & Protocol Delivery

Rapid micro-loan platform (Mexico) — we provide compliant API implementations, eKYC flows, CLABE deposit validation and repayment endpoints.

Start from $300

OpenData · OpenFinance · Protocol Analysis · Loan Origination API

Turn NeroCredit features into production APIs

We translate NeroCredit app flows — loan requests, CLABE deposits, interest & tax (IVA) calculation, service fee processing and repayment channels — into secure, documented APIs and SDKs for your backend.

Loan Origination API — submit applications, attach identity documents (INE/ID), run eKYC validation and approve instant micro-loans up to the configured limit.

Interest & Fee Engine — calculate APR, daily interest, service fee and IVA automatically; produce amortization schedules and per-installment breakdowns.

Disbursement & CLABE Validation — validate CLABE format, perform quick IBAN-like checks, support bank deposit flows and cash-out partners mapping.

Repayment & Reconciliation — SPEI/SPEI-like bank transfers, cash partners, webhook-based settlement, receipt generation and reconciliation-ready statements.

Get a quote What we deliver

Deliverables

What you receive

OpenAPI (Swagger) specification for all endpoints
Protocol analysis report (eKYC, token flows, CLABE rules)
Ready-to-run source code (Node.js / Python) with Docker setup
SDK examples, Postman collection and test plan
Automated interest & IVA calculation module and amortization generator
Deployment notes and basic security checklist (auth, throttling, logging)

Sample API: Loan application (pseudo)

POST /api/v1/nero/loan/apply
Content-Type: application/json
Authorization: Bearer <CLIENT_TOKEN>

{
  "applicant": {"name":"Juan Perez","phone":"+521XXXXXXXXXX","ine_id":"INE12345678"},
  "amount": 2000.00,
  "currency": "MXN",
  "tenor_days": 180,
  "clabe": "032180000118359719",
  "consent": true
}

Response 201 Created {
  "application_id": "NERO-APP-20251001-0001",
  "status": "APPROVED",
  "disbursement_estimate": "2025-10-02T14:00:00Z",
  "schedule": [{"installment":1,"due":"2026-04-01","principal":400.00,"interest":30.00,"iva":4.80}]
}

Key integration scenarios

Application flow, document upload & OCR, CLABE verification, disbursement orchestration, repayment reconciliation, disputes and reporting. We also provide sandbox connectors for common Mexican banks and cash-out partners.

Compliance & Data Privacy

We implement integrations only with customer consent and through authorized channels. For Mexico, we include best-practice guidance for data minimization, storage, consent logs and local tax handling (IVA). We can adapt to any regulator requests or auditor checklists.

Typical timeline & pricing

Discovery & protocol analysis: 2-5 business days
API design & sandbox: 3-6 business days
Implementation & tests: 4-12 business days
Start from $300 for small-scope adapters; full integration projects priced per scope

Studio — who we are

We are a technical studio focused on App interface integration and authorized API integration. Core skills: mobile protocol analysis, OpenData/OpenFinance adapters, eKYC flows, and production-ready SDK delivery. We support secure, compliant implementations across LATAM, EU and APAC.

Fintech & payments specialists with years of product experience
Deliverables: OpenAPI, source code, docs, tests
Transparent pricing, NDA & compliance-first approach

Contact & Next steps

Ready to integrate NeroCredit features into your backend? Provide the target app/package and your high-level requirements. We will return a proposed API spec and a time/cost estimate.

Original App Description — NeroCredit (collapsed)

NeroCredit provides quick personal loans in Mexico. Key points:

Loan amounts up to $25,000 MXN
Terms: 91 to 365 days
Max APR up to 36% (approx. 0.1% per day)
Service fee: 0%–10%; IVA applied (16%)
Example cost calculation, CLABE deposit, INE identity requirement
Fast application and direct deposit to provided bank account

Contact & support details included in the app listing. This summary is included for technical integration context only.