DBS digibank — OpenFinance Protocol Analysis & API Integration

Providing compliant, secure, and reusable API implementations: account onboarding, transaction flows, cross-border remittance, and wealth-management data integration.

Service starting at $300
OpenData · OpenBanking · Protocol Analysis

Integrate digibank's accounts and wealth features securely into your system

We provide end-to-end coverage: protocol-level analysis of authorization flows, production-ready API source code, OpenAPI documentation, and compliance guidance, supporting enterprise open finance integration under MAS and local privacy laws.

Account binding (secure authorization) — Supports OAuth/token-based sessions and multi-factor authentication, with data minimization and audit logs.
Transaction streams & reconciliation — Expose account transactions, reconciliations, categorization, and export to JSON/CSV/Excel, with pagination and time-window search.
Cross-border remittance & DBS Remit — Automate remittance initiation, status tracking and receipt synchronization, with transparent rates and fees.
Wealth data — Retrieve investment portfolios, term deposits, wealth management advice, and goal management data for wealth products.
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What we deliver (examples)

Standard Deliverables

  • OpenAPI/Swagger interface specifications with sample requests
  • Protocol & authorization flow analysis report (token flows, sessions, and signing)
  • Production-ready backend source code (Node.js / Python / Go optional) with deployment docs
  • Automated tests, Postman collections and validation cases
  • Compliance guidance and data minimization strategies (privacy, logging, consent)

Sample API: Join Savings Plan (pseudo)

POST /api/v1/digigold/savings/join
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "user_id": "user_12345",
  "scheme": "DigiGold",
  "amount": 250.00,
  "frequency": "DAILY",
  "payment_method": "PAY_GATEWAY_X",
  "payment_reference": "PGX_REF_98765"
}

Response 201 Created
{
  "status":"ACCEPTED",
  "subscription_id":"sub_20251108_0001",
  "next_debit_date":"2025-11-09",
  "gold_weight_credited":0.00423
}

Advanced integration options

Support real-time webhook push, incremental sync, offline task retries, and seamless integration with third-party KYC / enterprise ERP.

Core Value

  • Rapidly expose member payments, bills, and rewards data via standard APIs
  • Privacy-first: synchronize only necessary data with user consent and keep consent logs
  • Provide enterprise-grade audits, regression tests, and compliance guidance
  • Supports multiple deployment models: standalone SDK, local proxy, or cloud-based middleware (with masking)

Implementation Notes

We operate on authorization or publicly accessible APIs. If needed, we may perform reverse engineering within a compliant and authorized boundary to understand client behavior and deliver interoperable implementations.

About our Studio

We are a software studio focused on mobile app API integration and protocol analysis, composed of engineers with experience in payments, banking, and security. We deliver end-to-end open finance integrations including protocol analysis, OpenData/OpenFinance, and OpenAPI documentation.

  • Supports Android/iOS protocol analysis and integration
  • OpenAPI, SDKs, and Postman collections
  • Compliance-oriented: privacy, KYC, and data retention guidance
  • Transparent pricing: starting at $300 with optional pay-on-delivery terms

Contact & Next Steps

Ready to start? Please visit our contact page and submit the target App name and integration requirements (e.g., balance & rewards API).

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📱 Imota Official App — Features Overview (collapsed)

Imota is a decentralized rewards platform where users earn Otara tokens through daily actions, games, and tasks. The app focuses on community engagement and token rewards within a decentralized economy.

  • Decentralized rewards: earn Otara via app usage and tasks
  • Activity rewards and task system: rewards trigger on completing activities
  • Invites and community growth: expand earnings via referrals
  • Rewards sharing: platform claims revenue sharing and user rebates
  • User-centric: emphasis on user value and community building

Note: The above is a technical and product summary for integration reference.