{app_name} API Integration & Open Banking Services

Account Authentication API

Establish secure connections mimicking the official app's login sequence, including biometric handshake parameters and multi-factor verification. This module maintains persistent sessions by actively refreshing OAuth tokens without requiring repeated user intervention.

Transaction History API

Download detailed spending records that fuel the AI automation engine. Extract categorical breakdowns, merchant names, amounts, and dates. This data is essential for personal finance management applications aiming to offer hyper-personalized budgeting advice.

Investment Portfolio Sync

Programmatically access the user’s entire investment profile. Pull current market values, unit holdings, and unrealized gains across fractional shares and managed funds. Use this feature to consolidate external brokerage accounts into a single net-worth view.

Interest & Yield Monitoring

Track the performance of Easy-Access Interest Pockets and the BlackRock ICS Sterling Government Liquidity Fund. By parsing the daily accrued interest and base rate changes, your system can trigger yield-optimization alerts for high-net-worth clients.

1. Unified Wealth Dashboards

Business Context: Financial aggregators need to show users their complete net worth, including micro-savings and fractional stocks held in AI-driven apps.

API Involvement: Utilizing the Portfolio Sync and Savings Pocket APIs, the system pulls daily valuations of Cash ISAs, mutual funds, and US equities.

Open Finance Mapping: Translates proprietary investment metrics into standard Open Wealth formats for seamless display alongside traditional bank accounts like Barclays or Monzo.

2. Alternative Credit Scoring

Business Context: Lenders require granular data on a borrower's saving discipline and disposable income to offer better loan rates.

API Involvement: Extracting the Transaction Feed and AI Auto-Saver history to demonstrate consistent, positive cash flow and responsible financial behavior.

Open Finance Mapping: Acts as an Open Data supplement to standard credit bureaus, proving liquidity through automated, regular deposits into 95-day notice accounts.

3. Automated Tax Reporting

Business Context: Accounting platforms (like Xero or QuickBooks) need accurate records of dividend payouts, capital gains from US stocks, and SIPP tax relief.

API Involvement: Implementing specific endpoints to fetch buy/sell order executions and dividend credits from the General Investment Account.

Open Finance Mapping: Bypasses manual CSV uploads by creating a direct Open Finance pipeline from the investment broker directly to the accountant's ledger.

4. Custom AI Trading Algorithms

Business Context: Sophisticated retail investors want to apply their own quantitative models on top of their existing fractional share portfolio.

API Involvement: Creating a secure webhook that listens for price alerts and automatically pushes "buy/sell" intent triggers back to the trading module.

Open Finance Mapping: Elevates read-only Open Banking to read-write capabilities, enabling programmatic portfolio rebalancing based on external market data.

Authentication Snippet

Exchange user credentials for an active access token.

POST /auth/v1/login
Content-Type: application/json
User-Agent: PlumApp/4.5.1 (iOS 17.1)

{
  "email": "user@example.com",
  "device_id": "UUID-STR-1234",
  "auth_method": "biometric_fallback"
}

// Response
{
  "access_token": "eyJh...",
  "refresh_token": "d8f9...",
  "expires_in": 3600,
  "user_id": "usr_998877"
}
          

Fetch Portfolio Balances

Retrieve current holdings across all pockets and investments.

GET /api/v2/users/usr_998877/portfolio
Authorization: Bearer eyJh...
X-App-Version: 4.5.1

// Response
{
  "total_value_gbp": 12450.75,
  "accounts": [
    {
      "type": "CASH_ISA",
      "balance": 4000.00,
      "interest_rate": 3.63
    },
    {
      "type": "STOCKS_GIA",
      "holdings": [
        {"ticker": "TSLA", "shares": 2.5, "value": 450.25},
        {"ticker": "AMZN", "shares": 10.0, "value": 1200.50}
      ]
    }
  ]
}
          

Compliance & Privacy Standards

As Plum Fintech Ltd is authorized as an AISP by the Financial Conduct Authority (FCA FRN: 836158) and operates under the UK Open Banking Standard, any integration we build adheres strictly to these regulatory frameworks. We implement endpoints that respect GDPR data minimization principles, ensuring you only retrieve the data the end-user explicitly consents to share. Furthermore, integrations involving investment data (regulated via Saveable Ltd) utilize secure, read-only scopes by default to protect FSCS-eligible funds from unauthorized alterations.

Data Flow Architecture

• Node 1 (Consent & Handshake): The client application initiates an OAuth-like flow, capturing user consent for data access.
• Node 2 (API Gateway Extraction): Our delivered middleware securely calls the target platform's backend, passing necessary headers and tokens.
• Node 3 (Transformation Engine): The raw JSON responses (often containing proprietary internal IDs) are mapped into standardized Open Banking / Open Finance schemas.
• Node 4 (Delivery & Storage): Normalized data is pushed to your secure database or analytics dashboard via encrypted webhooks.

About Our Studio

We are a dedicated technical service studio specializing in App interface integration and authorized API integration. With deep roots in fintech, mobile reverse engineering, and cloud architecture, we deliver compliant, scalable, and highly reliable Open Data solutions to global enterprise clients.

• Extensive expertise in Open Finance APIs and UK/EU banking regulations.
• Delivery of ready-to-deploy Python, Node.js, or Go integration code.
• Strict adherence to data privacy and legal frameworks.
• End-to-end service: from protocol analysis to maintenance.
• Transparent pricing starting at $300, pay upon successful delivery.

Workflow & Delivery

1. Requirement Gathering: Provide the app name and the specific data points you need (e.g., SIPP balances, transaction history).
2. Protocol Analysis: We analyze the app's traffic and authentication mechanisms (2-5 business days).
3. Development: Coding the middleware and integration scripts (3-8 business days).
4. Testing & Documentation: Providing comprehensive API docs and test credentials (1-2 business days).
5. Handover: Source code delivery and integration support. Total timeline usually ranges from 5 to 15 days.

Contact Us for a Quote