DCFCU Mobile API & Open Finance Integration

Personal finance and aggregation (Buxfer-style)

Buxfer and similar PFM apps sync with Dade County Federal Credit Union to pull transactions and balances into a single dashboard. We deliver an API that mirrors this flow—account list, balance, and transaction history with date range and pagination—so your product can offer DCFCU as a connected institution without relying solely on screen scraping. Data maps to Open Finance: structured accounts and transactions; auth uses member credentials with secure session and consent handling aligned with FDX-style data sharing.

Accounting and ERP reconciliation

Small businesses and sole proprietors who bank with DCFCU need transaction export for QuickBooks, Xero, or internal ERP. Our statement API returns transaction list with date, amount, type, description, and optional running balance. Typical flow: authenticate once, request statement for a date range, receive JSON or CSV; client systems import for reconciliation and reporting. Fields: account_id, from_date, to_date, transactions[] with amount, date, type, description, balance_after.

Compliance and audit reporting

Auditors and compliance teams need a reproducible trail of account activity. We provide endpoints for transaction history and optional Zelle/deposit metadata with timestamps and status. Data is accessed only with explicit member authorization; implementations include consent logging and minimal data retention guidance. This aligns with NCUA expectations and GLBA privacy safeguards for credit union member data.

Zelle and P2P reconciliation

Businesses or individuals who use Zelle® via DCFCU Mobile need to reconcile send/receive activity with their own ledgers. Our integration exposes Zelle transfer metadata (amount, date, status, counterparty identifier) in a structured format. Use case: sync Zelle activity into accounting or treasury systems for cash-flow visibility and dispute resolution. Maps to Open Finance as permissioned payment data with user consent.

Card management and fraud workflows

Integrators that manage card lifecycle (e.g. block or activate debit cards) can use our card-control API. Flow: authenticate, retrieve card list, invoke block or activate with card_id and action. Response includes updated status and timestamp. Use for centralized fraud dashboards or member self-service tools that trigger DCFCU card state changes via your backend.

Login and session (pseudo-code)

POST /api/v1/dcfcu/auth
Content-Type: application/json

{
  "username": "<member_id>",
  "password": "<credential>",
  "device_id": "<optional>"
}

Response 200:
{
  "access_token": "<session_token>",
  "expires_in": 3600,
  "accounts": [{"id": "acc_1", "name": "Primary Share", "type": "share"}]
}

Transaction history / statement (pseudo-code)

GET /api/v1/dcfcu/accounts/{account_id}/transactions
  ?from=2025-01-01&to=2025-01-31&page=1&limit=50
Authorization: Bearer <access_token>

Response 200:
{
  "transactions": [
    {
      "id": "tx_1", "date": "2025-01-15",
      "amount": -50.00, "type": "debit",
      "description": "Zelle to John", "balance_after": 1200.00
    }
  ],
  "pagination": {"page": 1, "total_pages": 3}
}

Webhook or polling for new transactions (concept)

// Optional: webhook endpoint for new transactions
POST <client_callback_url>
Content-Type: application/json
X-Signature: <hmac_of_body>

{
  "event": "transaction.posted",
  "account_id": "acc_1",
  "transaction_id": "tx_new",
  "amount": -25.00, "date": "2025-01-20"
}

// Or poll: GET /transactions?since=2025-01-19T00:00:00Z

Delivery checklist

• API specification (OpenAPI / Swagger)
• Protocol and auth flow analysis report (session, token, cookie chain)
• Runnable source code for login, balance, and statement APIs (Python / Node.js)
• Automated test scripts and interface documentation
• Compliance notes (GLBA, consent, data retention)

Focus integration scenarios

Login and session handling, balance sync, transaction and statement export (JSON/CSV), Zelle metadata, mobile deposit and card controls, and optional webhook or polling for new transactions. We support single-member and multi-account use cases with clear consent and audit trails.

About us

We are a technical service studio specializing in app interface integration and authorized API integration for global clients. Our team has years of hands-on experience in mobile applications and fintech. We offer one-stop services from protocol analysis, interface refactoring, and Open Data integration to automated data scripting and delivery of interface documentation. We market to overseas clients and are familiar with mainstream app interface standards and authorization methods; we provide compliant, lawful implementations so projects meet local laws and privacy requirements. We support Android and iOS and deliver ready-to-use API source code, documentation, and test plans. Services start at $300, with an option to deliver results first and pay upon satisfaction.

Contact

For inquiries, quotes, or to submit a target app name and requirements, please visit our contact page:

Contact us

Process and timeline

1. Requirements: confirm integration scenario and API needs (e.g. login, statements, Zelle, card controls).
2. Protocol analysis and API design (2–5 business days, depending on complexity).
3. Development and internal validation (3–8 business days).
4. Delivery of documentation, samples, and test cases (1–2 business days).
5. Typical first delivery: 5–15 business days; complex or multi-party approval may extend the timeline.

FAQ

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