Pulsar-Préstamo de dinero API Integration

1. ERP & Accounting Reconciliation

Business Context: Managing thousands of high-velocity micro-loans ($100 to $50,000 MXN) requires flawless ledger synchronization to avoid financial leakage.

Data & OpenFinance Map: By utilizing the Disbursement API and SPEI CLABE tracking data, this scenario replaces manual CSV treasury exports with a real-time OpenBanking pipeline, automatically matching issued loans against corporate bank accounts.

2. Alternative Credit Scoring Aggregation

Business Context: Institutional investors and debt buyers need to assess the granular risk of a lending portfolio before acquisition.

Data & OpenFinance Map: Integrating the User Risk Profile API exposes assigned APRs (203%-438%) and historical default rates. This enriches secondary credit bureaus with real-time performance metrics, enabling dynamic and precise valuation of the debt portfolio.

3. Omnichannel Debt Collection

Business Context: Call centers and collection agencies require up-to-the-minute loan statuses to trigger appropriate WhatsApp or SMS reminders.

Data & OpenFinance Map: Utilizing the Repayment Schedule API extracts overdue days, remaining balances, and payment methods. This transforms static borrower lists into a dynamic, event-driven CRM feed, preventing unnecessary collection calls for newly settled debts.

4. Cross-Platform KYC Onboarding

Business Context: Expanding financial ecosystems want to streamline user onboarding by reusing validated Mexican credentials.

Data & OpenFinance Map: Accessing the Profile API for INE/IFE Verification Status (Approved/Pending/Rejected) acts as an OpenData identity provider, drastically reducing onboarding friction and KYC costs for secondary financial products.

Authentication & Token Refresh

Securely exchange client credentials for a time-limited access token to interact with the extracted protocol layer.

POST /api/v1/pulsar/auth/token
Content-Type: application/json

{
  "client_id": "erp_system_prod_01",
  "client_secret": "sk_live_**********",
  "grant_type": "client_credentials"
}

// Response
{
  "access_token": "eyJhbGciOiJIUzI...",
  "expires_in": 3600,
  "token_type": "Bearer"
}

Fetch Active Loans & SPEI Details

Retrieve a list of active, overdue, or pending loans, including principal amounts and SPEI routing info.

GET /api/v1/pulsar/loans/active?status=overdue&min_amount=1000
Authorization: Bearer eyJhb...

// Response
{
  "loans": [{
    "loan_id": "MX-PL-98211",
    "user_id": "USR-442-991",
    "principal": 2000.00,
    "apr": 349.00,
    "total_due": 2025.00,
    "due_date": "2025-12-01",
    "disbursement": {
      "method": "SPEI",
      "clabe": "012345678901234567",
      "status": "COMPLETED"
    }
  }]
}

Offline Payment Webhook (OXXO)

Receive real-time event notifications when a borrower completes an in-person payment at a convenience store.

POST /webhooks/pulsar/payments
Content-Type: application/json

{
  "event_type": "payment_received",
  "timestamp": "2025-06-15T14:30:00Z",
  "data": {
    "loan_id": "MX-PL-98211",
    "amount": 2025.00,
    "channel": "OXXO_STORE",
    "reference": "9928112233",
    "currency": "MXN"
  }
}

Compliance & Privacy Standards

Operating within the Mexican financial ecosystem requires strict adherence to regulatory frameworks. Our API integration protocols respect the Ley para Regular las Instituciones de Tecnología Financiera (Ley Fintech) and operate under the oversight guidelines of the CNBV (Comisión Nacional Bancaria y de Valores) and PROFECO.

We prioritize user consent and data minimization in strict accordance with the INAI (Instituto Nacional de Transparencia). Extracting sensitive fields like INE/IFE details or SPEI transaction logs is executed exclusively via secure, TLS 1.3 encrypted channels. All integrations are designed to facilitate authorized Open Finance flows, ensuring your enterprise remains fully compliant while processing borrower data.

Data Flow & Architecture

Our technical pipeline is designed for low latency and high reliability, processing thousands of micro-transactions securely.

• Consent & Ingestion Node: The client application authenticates via OAuth 2.0, securely passing authorized user credentials to our specialized protocol bridge.
• Protocol Bridge: Our engine directly interfaces with the Pulsar backend, natively handling cryptographic payloads, session persistence, and request throttling.
• Data Standardization: Raw proprietary responses are transformed into a unified OpenBanking RESTful schema, standardizing critical financial variables like 'SPEI', 'CAT', and 'APR'.
• Enterprise Delivery: Normalized JSON data is pushed to the client's ERP or CRM via webhooks or polled via synchronous endpoints, completing the pipeline.

About Our Integration Studio

We are a technical service studio specializing in App interface integration, authorized API deployment, and Open Banking infrastructure. Our engineering team brings years of hands-on experience in mobile applications, fintech protocols, and Latin American payment systems.

• Deep expertise in financial apps, payment gateways, and banking APIs.
• Robust deployment of enterprise-grade API gateways and security auditing.
• Customized SDKs delivered in Python, Node.js, and Go.
• Full lifecycle delivery: from protocol analysis to deployment and testing.
• Transparent pricing: services start at $300, with flexible pay-upon-satisfaction options available.

Contact Information & Workflow

Our engagement process is simple and straightforward:

1. Requirements gathering: Provide your target use case (e.g., SPEI reconciliation, risk modeling).
2. Protocol Assessment: We analyze the app architecture and design the interface (2-5 business days).
3. Development & Validation: We build and rigorously test the API layer (3-8 business days).
4. Delivery: Handover of documentation, source code, and integration examples.

Ready to connect to Pulsar-Préstamo de dinero data?