Thriday API Integration & Open Finance Services

Scenario 1: Credit Scoring & SME Lending

By integrating with Thriday's CDR consent flow, lenders can securely fetch real-time bank transactions, tax forecasts, and balance history. This OpenFinance approach accelerates the credit assessment process for Australian sole traders by relying on verified, automated accounting data rather than manual uploads.

Scenario 2: Custom ERP & Accounting Sync

For businesses scaling beyond the built-in Thriday dashboard, our API implementation pushes newly generated invoices, paid receipts, and corresponding transaction reconciliations directly into bespoke enterprise resource planning (ERP) systems, maintaining a single source of truth.

Scenario 3: Expense Management Workflows

Third-party HR or expense platforms can utilize our Thriday data extraction endpoints to automatically retrieve scanned receipts. The system matches the receipt images against the corporate Visa Debit transactions, eliminating manual data entry for employee reimbursements.

Technical Implementation Examples

We deliver robust, ready-to-use pseudo-code and complete SDKs (Python/Node.js) for interacting with Thriday's data endpoints.

// Pseudo-code: Fetching SME Bank Transactions via API
POST /api/v1/thriday/transactions
Authorization: Bearer <CDR_ACCESS_TOKEN>
Content-Type: application/json

{
  "account_id": "biz_acc_987654",
  "date_range": {
    "start": "2025-01-01",
    "end": "2025-01-31"
  },
  "include_reconciled_receipts": true
}

// Returns JSON array of transactions with linked receipt metadata

// Pseudo-code: Generating an Invoice Programmatically
POST /api/v1/thriday/invoices/create
Authorization: Bearer <USER_SESSION_TOKEN>

{
  "client_email": "customer@example.com",
  "items": [
    {"description": "Consulting Services", "amount": 1500.00}
  ],
  "auto_reminders": true
}

Data Flow & Architecture

Our integration establishes a secure pipeline with minimal latency:

• Step 1: Client Application initiates OAuth/CDR consent or token exchange with the Thriday authentication layer.
• Step 2: Our API wrapper translates requests (e.g., fetch statements, create quotes) into valid Thriday protocol calls.
• Step 3: The Data Processing Gateway sanitizes the JSON responses, matching transactions to receipts.
• Step 4: Clean, structured data is delivered via REST or Webhooks to the client's destination BI dashboard or ERP.

Compliance & Privacy

All integrations strictly adhere to the Australian Consumer Data Right (CDR) framework and local privacy laws. Thriday operates as a data holder in partnership with Regional Australia Bank. We ensure that data extraction relies on explicit user consent, implements secure token management, and follows data minimization principles.

About Our Studio

We are an independent technical service studio specializing in fintech and Open Data API integration. Our core team consists of experts with extensive experience in mobile application protocol analysis, secure gateways, and Open Banking implementations.

• Deep expertise in digital banking, SME finance, and payment integrations.
• Deployment of enterprise-grade API gateways and security audits.
• Custom Python / Node.js / Go SDKs and robust testing frameworks.
• End-to-end delivery: Protocol Analysis → Development → Validation → Compliance.
• Transparent pricing starting at $300, with flexible payment upon successful delivery.

Workflow & Proposal

1. Requirement Confirmation: Provide the target app (Thriday) and specific integration needs (e.g., invoices, CDR transactions).
2. Protocol Analysis & Design: 2-5 business days depending on complexity.
3. Development & Internal Validation: 3-8 business days for coding the endpoints.
4. Delivery: Provision of API documentation, SDKs, and automated test cases (1-2 days).
5. Typical first-version delivery is completed within 5-15 business days.