Freo (MoneyTap) — API Integration & Open Finance

Standard Deliverables

• OpenAPI / Swagger interface specifications and sample requests
• Authorization & Session management technical documentation
• Runnable backend service sources (Node.js / Python), incl. deployment scripts
• Automated tests and Postman collections
• Compliance recommendations and privacy design guidance

Interface Sample: UPI Payment (demo)

# Example: Initiate UPI payment (pseudo)
POST /api/v1/freo/upi/pay
Content-Type: application/json
Authorization: Bearer <CLIENT_TOKEN>

{
  "user_id": "user@example.com",
  "amount": 799.00,
  "currency": "INR",
  "intent_type": "QR", // or PAY, COLLECT
  "merchant_id": "M12345",
  "purpose": "DigitalGoldPurchase"
}

Response: {
  "status":"PENDING",
  "upi_deeplink": "upi://pay?pa=merchant@upi&pn=Merchant&am=799",
  "expiry": "2025-11-20T12:00:00Z"
}

# Sample: Query user transactions and balance
GET /api/v1/freo/accounts/{account_id}/statement?from=2025-10-01&to=2025-10-31
Authorization: Bearer <ACCESS_TOKEN>

Response: { "balance": 1450.80, "transactions": [...] }

Key Integration Scenarios

UPI payments and settlement, BNPL loan applications and billing, digital gold trading streams, insurance orders and policy inquiries, term deposits and reconciliation for mobile OAuth flows.

API Integration Quick Guide

1. Provide target App package name and concrete needs (e.g., upi payments, transactions export, card management).
2. Sign NDA if needed, and provide authorized test accounts or demo credentials.
3. Protocol analysis: we complete message capture and authorization flow analysis within 2-6 working days.
4. Development & testing: deliver runnable API source, SDK samples and test plans (3-10 days).
5. Delivery: OpenAPI docs, sample SDKs, test suites, and compliance guidance. Optional on-site/remote deployment support.

Security & Compliance

• All work based on client authorization or publicly licensed APIs, with privacy minimization and data protection.
• UPI scenarios must comply with NPCI device location and transaction signing requirements.
• KYC & AML process alignment and compliance reporting guidance.
• We apply least privilege, TLS encryption and audit logs.

Who We Are

We are a studio focused on mobile app protocol analysis and financial API integration. Our team brings experience from banking, payments and cloud security, delivering end-to-end OpenFinance API implementations that are compliant and secure.

• Cross-platform: Android / iOS protocol analysis and API integration
• OpenAPI, SDKs and automated tests included
• Compliance-first approach with privacy and local regulations
• Transparent pricing: starting at $300, with post-delivery payment options

Contact Us

To start a project or request a quote, please visit our contact page and share your app name and integration goals:

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