Stori - Credito y Ahorro API integration (OpenData / OpenFinance / OpenBanking)

1) Transaction history API module

This module normalizes card transactions and digital account movements into a single endpoint with pagination, date windows, merchant labels, and posting status. Finance teams use it to eliminate manual statement checks and to feed accounting systems daily.

Typical use: monthly reconciliation between Stori activity and ERP records, with automatic mismatch flags when amounts, timestamps, or counterparty details diverge.

2) Balance and line utilization sync

Credit line, available balance, and savings account balances are exposed as structured snapshots and optional change events. This supports near-real-time customer finance dashboards and repayment reminder engines.

Typical use: risk-control scoring that combines balance movement and utilization trends to identify sudden stress or suspicious behavior patterns.

3) Savings yield and investment term tracking

Cuenta+ daily yield fields and Inversion+ fixed-term states can be consolidated into product-level metrics such as accrued return, maturity date, and expected payout. The implementation supports analytics consumers and BI layers.

Typical use: treasury or wealth apps that present blended return summaries across liquid balance and fixed-term holdings.

4) Payment rail and transfer confirmation module

Stori public ecosystem references include SPEI and CLABE-centered transfer experiences via payment infrastructure partners. We map the observable payment lifecycle into confirmation APIs and status polling patterns suitable for back-office settlement checks.

Typical use: customer support console that verifies whether a transfer is pending, reflected, reversed, or completed without requiring manual app review.

5) Account lifecycle and control actions

Card on/off controls, digital card activation status, statement availability, and service payment actions can be represented as integration endpoints with audit trails. This enables consistent user-level automation while preserving authorization boundaries.

Typical use: a unified finance app where users control multiple providers and receive a single normalized event stream for lifecycle actions.

Scenario A: SME finance cockpit

Business context: A small business owner uses Stori for card spending and short-term savings while running bookkeeping in external software.

Data/API involved: transaction history API, balance sync endpoint, and weekly statement export payload.

OpenFinance mapping: customer-consented transaction data is transformed into normalized ledger entries and pushed into accounting systems with category tags.

Scenario B: Consumer personal finance app

Business context: A budgeting app aggregates spending, debt utilization, and savings progress across providers for retail users in Mexico.

Data/API involved: card movement feed, available credit line, Cuenta+ daily accrual fields, and profile state metadata.

OpenFinance mapping: structured data from regulated financial features is standardized into user-centric monthly cash-flow and debt-health panels.

Scenario C: Risk and collections operations

Business context: A lending partner needs early warning signals to prioritize customer outreach and reduce late payment exposure.

Data/API involved: utilization trend endpoint, payment confirmation status, and statement cadence consistency checks.

OpenFinance mapping: consented account-level signals flow into scoring services and trigger workflow queues with reason codes.

Scenario D: Wealth and yield intelligence

Business context: A fintech advisor compares return products across digital accounts and fixed-term offerings in Mexico.

Data/API involved: Cuenta+ yield snapshots, Inversion+ tenor/rate payloads, maturity event hooks.

OpenFinance mapping: investment and savings data is exposed to recommendation engines for reallocation prompts and laddering strategy reports.

Snippet 1: login/session token exchange (pseudocode)

POST /api/v1/stori/session/start
Content-Type: application/json

{
  "user_identifier": "masked_phone_or_email",
  "consent_scope": ["transactions:read","balances:read","investments:read"]
}

// Response
{
  "session_id": "sess_9de3",
  "auth_state": "challenge_required",
  "expires_in_sec": 300
}

Snippet 2: statement/transaction query

POST /api/v1/stori/transactions/query
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "from_date": "2026-03-01",
  "to_date": "2026-03-31",
  "product": "credit_card",
  "page": 1,
  "page_size": 100
}

// Response (shortened)
{
  "items": [{"tx_id":"...","amount_mxn":523.90,"posted_at":"..."}],
  "next_page": 2
}

Snippet 3: webhook + error model

POST /api/v1/stori/webhooks/payment-status
{
  "event": "payment.settled",
  "payment_id": "pay_10291",
  "clabe_ref": "646180....",
  "settled_at": "2026-04-16T18:22:00Z"
}

// Standardized error body
{
  "error_code": "UPSTREAM_TIMEOUT",
  "retryable": true,
  "trace_id": "tr_32af"
}

Compliance & privacy (Mexico)

For Mexico-focused deployments, we align implementation guidance with the Fintech Law framework (Ley para Regular las Instituciones de Tecnologia Financiera), CNBV supervision context, and CONDUSEF consumer protection expectations referenced in Stori product information. Data-sharing design follows consent-first controls, minimal data retention, and auditable access logs.

Where personal data processing applies, teams should also assess obligations under Mexico's personal data regime (LFPDPPP) and internal security baselines such as encryption-in-transit, credential vaulting, and role-based production access. Our delivery includes a compliance checklist that maps fields and endpoints to policy controls.

Data flow / architecture

A typical pipeline is: Client App Session -> Ingestion Connector -> Normalization and Consent Filter -> Secure Storage -> Analytics/API Output Layer. This five-node flow keeps source-specific protocol complexity isolated, while downstream teams consume stable JSON contracts for dashboards, ERP sync, or monitoring services.

In high-volume operations, we add idempotency keys, queue-backed retries, and event deduplication so transaction exports and payment-state updates remain consistent during upstream delays.

About our studio

We are a technical service studio focused on app interface integration and authorized API integration, with delivery experience in mobile products and fintech systems. Our work covers protocol analysis, interface refactoring, OpenData integration, third-party API bridging, automated scripting, and integration documentation.

For Stori-focused projects, we translate app-native account flows into maintainable API modules that your backend team can deploy quickly. Delivery includes source code, endpoint specs, test plans, and practical runbooks for monitoring and incident response.

• Source code delivery model from $300 with handover docs and test assets.
• Pay-per-call hosted API model for teams that prefer usage-based cost control.
• Android and iOS flow coverage with clear auth and data mapping documentation.
• End-to-end path: protocol analysis -> implementation -> validation -> delivery.

Contact information

To submit your exact target workflow (for example statement export, balance sync, transfer confirmation, or investment snapshots), use our contact entry point:

Open contact page

Share your app goals and expected output format (JSON, CSV, webhook, or internal API). We then provide a scope estimate, delivery timeline, and acceptance checklist.

Deliverables

• Protocol and authorization flow analysis report
• OpenAPI/Swagger specification for implemented endpoints
• Runnable API source code (commonly Node.js or Python)
• Automated tests for login, query, pagination, and error paths
• Deployment notes, monitoring fields, and incident handling guide

Workflow

1. Requirement intake with target data fields and business outcomes.
2. Interface and protocol mapping with feasibility checkpoints.
3. Incremental implementation and test dataset validation.
4. Documentation, QA handover, and final production-readiness review.

FAQ

What do you need to start?
Target app name, required fields, expected refresh cadence, and preferred output interfaces.

Do you support compliance-driven projects?
Yes. We include consent boundaries, access logging strategy, and retention guidance tailored for financial data handling.

How fast is first delivery?
Typical first milestone is 5-15 business days based on endpoint count, auth complexity, and QA requirements.