Común App API Integration Services (Open Banking)

Compliant protocol analysis and operational API implementations for US-Latino digital banking and cross-border remittances.

Starts at $300

Open Data · Remittance API · Protocol Analysis · Financial Sync

Securely Integrate Común Account, Transfer, and Balance Data into Your Systems

We provide specialized protocol analysis for the Común app, enabling programmatic access to account balances, transaction histories, and remittance details. All integrations follow Open Banking principles and authorized data extraction standards, supporting use cases from personal finance aggregation to compliance auditing.

Account Authentication API — Simulate the Común app login flow with OAuth/Token validation. Securely bind user accounts and refresh session tokens for continuous data access, mirroring standard Plaid or Open Banking flows.

Transaction History Sync — Extract detailed transaction records including US domestic transfers and international remittances (via UniTeller). Support for pagination, date filtering, and exporting to JSON or Excel formats.

Balance & Account Verification — Retrieve real-time available balances and routing/account numbers issued by Community Federal Savings Bank (CFSB). Useful for loan origination underwriting or secondary account linking.

Remittance Tracking Data — Query the status of international money transfers to Latin America. Extract exchange rates applied, recipient details, and exact delivery timestamps.

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Común App Interface Overview

Available Data for Integration

Data Type	Source Screen/Feature	Granularity	Typical Use Case
Account Details	Home / Profile	Account Number, Routing Number, Status	Account verification, KYC augmentation
Current Balance	Home Dashboard	Available balance, Pending transactions	Credit scoring, Personal finance aggregation
Transaction History	Activity Tab	Date, Amount, Merchant/Recipient, Status	Reconciliation, expense tracking, accounting sync
Remittance Records	Send Money Flow	Exchange rate, Destination country, Fee (UniTeller)	Cross-border payment analysis, compliance monitoring

Our Deliverables

Delivery Checklist

Comprehensive API Specification (OpenAPI/Swagger format)
Authentication flow analysis report (Token/Cookie lifecycle)
Operational source code for login and statement retrieval (Python/Node.js)
Automated testing scripts and Postman collections
Data retention and security compliance recommendations

API Example: Transaction Retrieval (Pseudo-code)

// Example: Fetching user transaction history (Pseudo-code)
POST /api/v1/comun/transactions
Content-Type: application/json
Authorization: Bearer 

{
  "account_id": "user_12345",
  "start_date": "2024-01-01",
  "end_date": "2024-01-31",
  "filter_type": ["REMITTANCE", "DEBIT_CARD"]
}

Response: {
  "status": "success",
  "data": [
    {
      "tx_id": "tx_9876",
      "date": "2024-01-15T14:30:00Z",
      "amount": -150.00,
      "currency": "USD",
      "type": "REMITTANCE",
      "destination": "Mexico",
      "provider": "UniTeller"
    }
  ]
}

Typical Integration Scenarios

Personal Finance Management (PFM): Sync Común account balances and debit card transactions into third-party budgeting apps. Utilizes the authentication and transaction history APIs to provide users a holistic view of their finances.

Lending Underwriting & Risk Assessment: Access historical transaction data to verify income (e.g., direct deposits arriving up to 2 days early) and assess spending habits for loan approvals, replacing manual bank statement uploads.

Accounting & ERP Synchronization: Automatically export monthly statements and cross-border payment records (via UniTeller) into enterprise accounting software like QuickBooks or Xero, facilitating seamless reconciliation.

Compliance & Audit Reporting: Programmatically retrieve detailed remittance logs, including exchange rates and destination countries, to satisfy regulatory reporting and anti-money laundering (AML) internal audits.

Compliance & Privacy

Our integration methods strictly adhere to authorized access principles. We design solutions that respect user consent and align with modern financial data privacy standards.

For US operations, our architecture supports compliance with the Gramm-Leach-Bliley Act (GLBA) regarding the protection of nonpublic personal information (NPI), and respects the data handling practices outlined by Común’s banking partner, Community Federal Savings Bank (CFSB).

Data Flow Architecture

A standardized, secure pipeline for extracting and processing Común app data:

Client Authorization: User securely provides credentials or OAuth consent.
API Gateway: Our integration layer handles session tokens and rate limits.
Data Extraction: Programmatic requests fetch balances, transactions, or remittance logs.
Transformation: Raw JSON is converted into standardized Open Banking formats or custom DB schemas.

About Our Studio

We are an independent technical service studio specializing in fintech protocol analysis, app interface refactoring, and Open Data integrations.

Our team comprises former bank API developers and security analysts who understand the nuances of US and Latin American financial ecosystems, ensuring secure, compliant, and scalable data delivery.

Deep expertise in digital banking, neo-banks, and cross-border remittance APIs
Custom SDK development in Python, Node.js, and Go
End-to-end delivery: Protocol Analysis → Development → Testing → Documentation
Transparent pricing starting at $300, with satisfaction-based payment options

Contact Us

Need a custom quote or want to discuss specific data requirements for the Común app? Click below to reach out.

View Contact Information

Market Positioning & User Profile

Común primarily serves the Latino community in the United States, offering an accessible digital banking alternative (partnered with CFSB) and integrated remittance services (via UniTeller). The user base heavily relies on mobile-first solutions for domestic debit usage and cross-border money transfers to over 17 Latin American countries.

Collaboration Workflow

Requirement gathering (e.g., target data: balances, remittances).
Protocol analysis and interface design (2-5 business days).
Development and internal validation (3-8 business days).
Delivery of documentation, source code, and test cases (1-2 business days).
Standard turnaround is 5-15 business days depending on complexity.

Frequently Asked Questions

What information do I need to provide?

Please provide the target App name (Común), specific data points needed (e.g., transaction history, remittance details), and whether you have existing test accounts.

How long does delivery take?

Typically 5-12 business days for the initial API and documentation. Complex authentication flows may require additional time.

How do you handle security and data privacy?

All implementations are based on user-authorized access. We provide secure token management, logging guidelines, and data minimization strategies. NDAs can be signed upon request.

📱 About the Original App: Común

Común is a financial technology company (not a bank) designed to provide accessible banking services to the US Latino community. Banking services are provided by Community Federal Savings Bank (CFSB), Member FDIC.

The platform offers Visa® debit cards, direct deposits up to 2 days early, and seamless international remittances to Latin America through its partner UniTeller, all managed via a bilingual (Spanish/English) mobile app.

No minimum balances or monthly maintenance fees.
Send and receive money within the US without needing Zelle.
Cash deposits and withdrawals at over 90,000 locations nationwide.
Account opening available with official IDs from users' home countries.

Común and its logo are trademarks of Común, Inc. This document outlines technical integration services and is not affiliated with or endorsed by Común, Inc. or Community Federal Savings Bank.