Brubank OpenData & OpenFinance API Integration (Authorized) — protocol analysis to working source code

1) Statement & CBU evidence extract

We help you build a statement API integration that turns Brubank’s monthly extracts into structured accounting-ready records: posting period, transaction identifiers, and normalized amounts.

Use case: automated reconciliation for ERP and finance dashboards, including audit trails for “who accessed which statement” and when.

2) Transactions ledger with OpenData normalization

We implement an ingestion layer that maps raw app flows into an OpenData/OpenFinance schema: occurred_at, direction, category, provider, currency, and reference_id.

Use case: spending analysis and anomaly detection without duplicating Brubank business logic inside your product.

3) QR payments & immediate credit event feed

Brubank’s QR flow can be integrated into a settlement pipeline for merchant reporting: you receive standardized payment events and link them back to your internal merchant/order objects.

Ecosystem note: Brubank QR payments accept codes from providers like Mercado Pago, Modo, and Getnet—your integration can store the acquirer_provider for reporting.

4) Transfers, cashflow signals & payout tracking

We build a transfer API integration model that exposes inbound/outbound movements with consistent identifiers—useful for cashflow forecasting and operational alerts.

Use case: “payment arrived” dashboards for users who depend on timely settlements for rent, bills, and payroll-like deposits.

5) Investment holdings (CEDEARs / Dollar MEP / funds)

We implement OpenFinance-style portfolio endpoints: trades, position snapshots, and derived metrics (e.g., holding value at integration time).

Use case: portfolio reporting, compliance-friendly statements, and risk dashboards that track each investment product type separately.

6) BNPL cashflow: Patear schedule integration

We translate Patear activity into a dedicated ledger: how much was “pateado,” the selected payment day, and the aggregated monthly charge—so your forecasting matches user behavior.

Use case: cashflow planning for merchants and personal finance apps that must model deferred debit with clear accounting separation.

Core benefits for integration teams

Instead of treating Brubank as a black box, we build an interface layer that makes the app’s finance data predictable for your backend. Every capability is documented with request/response examples and a test plan.

• OpenData normalization: consistent fields for amounts, timestamps, references, and product types
• Operational safety: retries, idempotency keys, and structured error mapping for resilient polling/ingestion
• Auditability: access logs and data minimization controls aligned with Argentina’s privacy framework
• Source-code delivery: you receive working implementation code and integration documentation

API integration instructions (how we connect)

Your team provides the target use case (e.g., “statement export for reconciliation” or “QR payment settlement feed”). We then map the app protocol steps into an authorized integration flow with a clear boundary in your system.

Typical process: consent + session establishment → data ingestion → normalization + validation → API output for your analytics/accounting services. We also provide a test checklist for regression when Brubank UI/protocol changes.

Data inventory (OpenData perspective)

The list below reflects concrete finance objects visible in Brubank’s app experiences and helps your team plan which OpenData/OpenFinance endpoints to build first. All integration steps are designed to work with authorized access only.

Typical integration scenarios

Each scenario below describes an end-to-end flow: the business context, the data/API you expose, and how it maps into OpenData/OpenFinance models for downstream systems.

Technical implementation (examples)

Below are integration-layer examples that show the depth we deliver. They do not claim Brubank provides the exact same endpoints; instead, they illustrate how your system would call our authorized integration service and receive normalized payloads.

// 1) Authorized onboarding (consent + token binding)
POST /integration/brubank/oauth/start
  body: {
    "app_user_id": "u_123",
    "scopes": ["statements:read","transactions:read","investments:read"],
    "redirect_uri": "https://yourapp.com/oauth/callback/brubank"
  }
// Response (your backend stores a short-lived "integration_session")
{
  "integration_session_id": "sess_9f...",
  "redirect_url": "https://brubank/"
}

// 2) Statement extraction + normalization
POST /integration/brubank/statements:download
  body: {
    "integration_session_id": "sess_9f...",
    "account_identifier": {
      "alias": "br_alias_... ",
      "cbuproof_type": "CBU_ALIAS"
    },
    "period": {"year": 2026, "month": 2},
    "output": {"format": "json+pdf"}
  }
// Error handling pattern
{
  "status": "ok",
  "pdf_url": "s3://.../statement_2026-02.pdf",
  "movements": [
    {"occurred_at":"2026-02-03","amount":"-12345.00","currency":"ARS","reference_id":"...","category":"TRANSFER"}
  ]
}
// On partial failures:
// status: "partial", movements_returned: [], retry_after_seconds: 120

// 3) QR payment ingestion feed (poll or event-driven)
POST /integration/brubank/qr-payments:sync
  body: {
    "user_id": "u_123",
    "since": "2026-02-01T00:00:00Z",
    "merchant_linking": {
      "rules": [
        {"match":"order.reference_id","map_from":"transaction.reference_id"}
      ]
    }
  }
// Optional webhook your system exposes:
POST https://yourapp.com/webhooks/brubank/payment-events
  {"event_id":"evt_...","order_id":"o_777","settled_at":"...","amount":"...","currency":"ARS","acquirer_provider":"MercadoPago"}

Implementation detail we emphasize: idempotency keys (event_id), strict field validation, and deterministic category mapping so that repeated syncs do not double-count.

Compliance & privacy (Argentina)

Brubank data integration must be performed with authorization and data minimization. For Argentina, a central privacy reference is Ley 25.326 (Personal Data Protection), which governs how personal data is collected, stored, and shared.

On the financial-sector side, regulators and institutions (including BCRA) emphasize user rights around access, correction, and transparent handling of financial information. In April 2024, the BCRA published its first Open Finance API for “Principal Variables”, and later 2025 steps strengthened controls to mitigate fraud risks. Therefore our integration modules validate structured fields, enforce scoped access, and keep data sync resilient against app protocol changes.

Data flow / architecture

Client App → Consent/session establishment → Ingestion module (protocol analysis + authorized retrieval) → Normalization & validation → Storage (minimal raw + structured model) → API output for analytics/accounting.

Market positioning & user profile

Brubank is positioned as a digital bank in Argentina with strong coverage for both individual customers and corporate/SME needs. In a January 2026 communication about its 2025 performance, Brubank reported more than 4.2 million users and service for over 9,000 SMEs, while highlighting a cloud-first operating model. It also referenced integrations such as PIX and a Banking as a Service (BaaS) approach via APIs, which makes OpenFinance-style exports especially suitable for reconciliation, payments analytics, and investment reporting. The service is centered on a mobile app (Android/iOS), so the integration plan starts from the app’s user journeys and produces backend endpoints that keep evolving safely.

Deliverables & what you receive

We deliver a usable integration package, not only analysis notes. The output is designed for developers who need to go from protocol knowledge to production-ready code.

• API specification (OpenAPI/Swagger-style) for the endpoints you asked for
• Protocol & authorization flow report (how consent/session is established and renewed)
• Working integration source code (Python/Node.js/Go skeletons depending on your backend)
• Automated test plan and runnable smoke tests for statement/transaction/QR/investments
• Compliance notes (scope design, logging strategy, and data retention recommendations)
• Interface documentation for developers and QA

About our studio

We are a technical service studio focused on app interface integration and authorized API integration. Our approach combines protocol analysis, interface refactoring, OpenData/OpenFinance mapping, and delivery of developer-ready source code plus integration documentation.

Team members have years of hands-on experience in mobile apps and fintech operations, including protocol analysis, authorized integration patterns, and testing workflows for payments and statements.

• Compliant-by-design delivery aligned with local privacy and financial handling expectations
• Android and iOS focus with integration-ready code and test plans
• One-stop support: analysis → implementation → validation → documentation
• Transparent pricing: services start at $300 with “deliver first, pay after satisfaction” option

Contact information

Share your target app name (Brubank is already provided) and your integration requirements (statement export, QR settlement events, investment holdings, or BNPL schedule). For contact and next steps, visit:

Contact / Request a quote

Workflow & proposal steps

1. Requirement alignment: confirm which scopes you need (statements, transactions, QR, investments, Patear) and success metrics.
2. Protocol analysis & interface design: we produce the integration plan and endpoint mapping (typically 2–5 business days).
3. Implementation & internal verification: build the ingestion module and normalized API output (typically 3–8 business days).
4. Delivery package: API spec, source code, developer documentation, and tests (typically 1–2 business days).
5. Regression support: we can extend/patch the integration if Brubank changes the app protocol (optional).

A typical first delivery (vertical slice) is often 5–15 business days depending on complexity, and time may extend for regulated flows or additional third-party approvals.

FAQ

What should I provide?

How do you keep it compliant?

Is this only for one-time export?