SRP Mobile API Integration Services (Open Banking)

Delivery Checklist

• Complete API specifications (OpenAPI/Swagger format)
• Protocol and authentication flow analysis report
• Runnable source code (Python/Node.js) for login and statement endpoints
• Automated testing scripts and comprehensive integration documentation
• US compliance recommendations (GLBA, CCPA, and data retention)

Code Example: Fetch Transactions (Pseudo-code)

// Example: Retrieve SRP account transaction history
POST /api/v1/srp-mobile/transactions
Content-Type: application/json
Authorization: Bearer 

{
  "account_id": "user@srp_checking",
  "start_date": "2025-08-01",
  "end_date": "2025-08-31",
  "format": "json",
  "include_cleared_checks": true
}

Response: {
  "status": "success",
  "data": {
    "account": "XXXX-1234",
    "balance": 4520.50,
    "transactions": [
      {
        "date": "2025-08-15",
        "description": "ACH Deposit - Payroll",
        "amount": 2150.00,
        "type": "credit"
      }
    ]
  }
}

Automated Accounting Reconciliation

Business Context: Small businesses using SRP Federal Credit Union need their daily transactions synced to software like QuickBooks or custom ERPs.

Data Involved: Daily transaction history, checking balances, and cleared check details.

Open Banking Value: Eliminates manual CSV downloads. Automates the ingestion of transaction data via secure API schedules.

Personal Finance & Wealth Dashboards

Business Context: PFM apps require a unified view of a user's net worth, including their regional credit union accounts.

Data Involved: Savings, checking, and credit card balances across the user's SRP profile.

Open Banking Value: Provides secure, read-only tokenized access to account totals without storing raw credentials on user devices.

Credit Risk & Lending Assessment

Business Context: Alternative lenders need to verify income and cash flow for applicants who bank primarily with SRP.

Data Involved: 90-day historical transaction logs, focusing on ACH payroll deposits and recurring expenses.

Open Banking Value: Enables instant underwriting by converting raw bank statements into structured JSON data for algorithmic scoring.

Data Flow Architecture

We implement a secure, minimal-footprint pipeline to connect your systems with SRP Mobile's backend:

• Client Application: Initiates request for user data (e.g., refresh balance).
• API Middleware: Handles token management, rate limiting, and session persistence simulating the SRP Mobile app.
• Data Ingestion: Securely fetches payload from bank servers, decrypts if necessary, and normalizes the JSON structure.
• Output/Storage: Returns structured data to your webhook or stores it temporarily according to your strict retention policies.

Compliance & Privacy Standard

Working with US financial data requires strict adherence to federal and state regulations. We ensure our integrations do not compromise user security.

About Our Studio

We are a technical service studio specializing in App interface integration and authorized API integration. With years of hands-on experience in mobile applications and fintech, we provide clients with one-stop services.

From protocol analysis and interface refactoring to Open Data integration and automated data scripting, we deliver complete, usable API source code.

• Deep expertise in financial apps, banking protocols, and Open Banking standards.
• Familiar with US and international app interface standards and authorization methods.
• Compliant and lawful implementations respecting local privacy laws.
• Delivery of ready-to-use API source code, documentation, and test plans.
• Transparent pricing starting at $300, with options to pay upon satisfaction.

Market & User Profile

SRP Federal Credit Union serves a dedicated membership base primarily in the US (South Carolina/Georgia region). The mobile app is heavily used by both individual consumers and local small businesses for daily banking, remote check deposits, and bill payments on both iOS and Android devices. Integrating with this app connects you directly to a stable, community-focused economic segment.

Contact Us

Ready to integrate SRP Mobile into your platform? Click below to reach out with your specific requirements.

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Collaboration Workflow

1. Requirement Confirmation: Provide the target app name and specific data needs (e.g., statements, balances).
2. Protocol Analysis: We analyze the app's authorization and data endpoints (2-5 business days).
3. Development: Coding the API wrappers and internal validation (3-8 business days).
4. Delivery: Handover of source code, postman collections, and documentation (1-2 business days).
5. Note: Standard initial delivery takes 5-15 days depending on complexity and MFA requirements.

Frequently Asked Questions

What information do I need to provide?

How do you handle Multi-Factor Authentication (MFA)?

Is this a white-label service?