Fibre Federal TLC Credit Union API & Open Finance Integration

Accounting and ERP transaction sync

Businesses and accountants need transaction data from credit union accounts for books and reconciliation. We deliver an API that returns transaction history with date, amount, type, and description—aligned with Open Finance data portability. Your system calls the transaction endpoint with account_id and date range; response includes transactions[] and optional next_cursor for pagination. Auth uses online banking credentials with secure session handling; we do not store credentials.

Personal finance and budgeting apps

Personal-finance apps (e.g. in the same space as Mint or YNAB) aggregate multiple accounts. Our implementation can provide balance and transaction endpoints so a single dashboard shows Fibre Federal TLC accounts alongside other institutions. This mirrors the use case of Plaid or Yodlee credential-based aggregation but is tailored to this credit union where no official API exists. Data maps to Open Data: balances per account, transactions with baseType (debit/credit) and category when available.

Compliance and audit reporting

Credit unions and their partners must retain records for NCUA and GLBA. We deliver an API that returns statement-period data and transaction logs (with member consent), suitable for audit trails and evidence of data handling. Fields include account_id, from_date, to_date, transactions[] with amount, date, type, description. No public Fibre Federal TLC API exists; our protocol analysis fills the gap for authorized, compliant data extraction.

Lending and underwriting data

Lenders and credit committees may use balance and transaction history for cash-flow analysis. Our API can expose balance snapshots and transaction summaries (with consent) for a given account and date range—supporting income verification and expense patterns without screen scraping. Data flow: auth → balance endpoint and/or transaction endpoint → your underwriting engine; we recommend minimal retention and clear consent records per GLBA and NCUA Part 748.

Fraud and risk monitoring

Fibre Card Manager offers location-based card control and transaction alerts. Our implementation can expose card-control state and alert metadata (e.g. last used location, alert triggers) for risk dashboards—always with explicit consent and in line with the app’s privacy policy. This supports Open Banking–style transparency: members authorize data sharing for their own security monitoring.

Auth and session (pseudo)

// Login with online banking credentials (pseudo)
POST /api/v1/fibrecu/auth/login
Content-Type: application/json
{ "username": "<USER>", "password": "<PWD>" }

Response 200: { "session_token": "...", "refresh_token": "...", "accounts": [...] }
Response 401: { "error": "invalid_credentials" }
// Session refresh and MFA/biometric handling per protocol analysis

Balance and accounts (pseudo)

// Fetch account balances (pseudo)
GET /api/v1/fibrecu/accounts/balances
Authorization: Bearer <SESSION_TOKEN>

Response: {
  "accounts": [
    { "account_id": "chk_xxx", "type": "checking", "balance": 1234.56, "available": 1200.00 },
    { "account_id": "sav_yyy", "type": "savings", "balance": 5678.90 }
  ],
  "as_of": "2025-03-12T00:00:00Z"
}

Transaction history / statement (pseudo)

// Transaction list (pseudo)
POST /api/v1/fibrecu/transactions
Content-Type: application/json
Authorization: Bearer <SESSION_TOKEN>

{ "account_id": "chk_xxx", "from_date": "2025-01-01",
  "to_date": "2025-03-12", "limit": 500 }

Response: { "transactions": [...], "next_cursor": "..." }
Error 429: rate limit; retry with backoff

Deliverables

• API specification (OpenAPI / Swagger)
• Protocol and auth flow analysis (login, session, token)
• Runnable API source code (Python / Node.js) for transactions, balances, statements
• Test scripts and interface documentation
• Compliance notes (NCUA, GLBA, consent, retention)

Key integration areas

Transaction history and statement export, balance sync, transfer and bill pay visibility, Fibre Card Manager metadata, ATM/branch data, and auth/session handling. We support both Android and iOS protocol analysis and deliver source code you can host and extend.

About us

We are a technical service studio specializing in app interface integration and authorized API integration. We provide protocol analysis, interface refactoring, Open Data integration, and third-party interface integration, plus automated data scripting and interface documentation. Our team has years of experience in mobile and fintech; we serve global clients with compliant, professional solutions. Services start at $300, with an option to deliver results first and pay upon satisfaction.

• Banking and credit union apps: transaction records, statement queries, transaction integration
• Compliant, lawful implementations to meet NCUA, GLBA, and privacy requirements
• Android and iOS; ready-to-use API source code, docs, and test plans

Contact

For inquiries, quotes, or to submit your target app and requirements, please use the link below:

Contact us

Process

1. Confirm requirements: integration scenario and interface needs (e.g. login, transactions, balances, statements).
2. Protocol analysis and interface design (2–5 business days, depending on complexity).
3. Development and internal validation (3–8 business days).
4. Delivery of documentation, examples, and test cases (1–2 business days).
5. Typical first delivery: 5–15 business days; complex or multi-party approval may take longer.

FAQ

What do I need to provide?

How long until delivery?

How do you ensure compliance?