Singa Fintech · API Integration & Protocol Analysis (OpenFinance)

For Singa Fintech’s compliant OpenData / OpenBanking workflows, delivered runnable API implementations, KYC and live verification integration, and compliance guidance.

Starting at $300
Android / iOS support • Source code delivery
Service Area:
OpenData · OpenFinance · Protocol Analysis · Automated Data Scripts

Safely connect Singa's lending, disbursement, and repayment capabilities to your business

We offer end-to-end integrations for SingaFintech-style mobile lending apps: protocol analysis, authorization modeling, standardized OpenAPI interfaces, runnable SDKs, and automated tests to ensure compliance, stability, and operability.

Loan Application & Approval API — Standardized loan application API (client data, credit score, income proof, risk flags), with asynchronous approval callbacks and parameterized approval strategies.
KYC & Live Verification — Integrate third-party live verification and document OCR, delivering compliant proof records and signed events for audits.
Disbursement & Trustee Payments — Support virtual accounts, bank transfers, and offline store payments; generate disbursement receipts and enable callback notifications.
Repayment & Reconciliation — Automated reconciliation engine: parse virtual account receipts, multi-channel receipts matching, retry on failures, and export reconciliation reports (CSV/Excel/PDF).

Deliverables & Tech Pack

Standard Deliverables

  • OpenAPI/Swagger specifications and interactive docs
  • Protocol analysis report (authorization chain, signing, session flows)
  • runnable backend code (Node.js / Python) with SDK examples
  • Automation test scripts and CI integration samples
  • Compliance guidance (data retention, logging, access controls)

Example: Loan Application API (pseudo-code)

POST /api/v1/loan/apply
Content-Type: application/json
Authorization: Bearer <CLIENT_TOKEN>

{
  'applicant': {
    'full_name': 'Budi Santoso',
    'id_number': '317xxxxxxxxxxx',
    'phone': '+62812xxxxxxx'
  },
  'amount': 3000000,
  'term_days': 92,
  'purpose': 'medical'
}

Response 202 Accepted {
  'application_id': 'LN-20251123-0001',
  'status': 'PENDING',
  'next_steps': ['KYC_VERIFY', 'RISK_SCORE']
}

Example: Loan Disbursement Callback

POST /webhooks/payment/notification
Headers: X-Signature: sha256=...

{
  'tx_ref': 'PAY-VAXXX-20251123',
  'amount': 3000000,
  'status': 'SUCCESS',
  'va_account': '7001234567890',
  'received_at': '2025-11-23T10:22:33Z'
}

Processing notes: verify signature -> idempotent write -> reconcile with application_id -> update loan status -> trigger receipts / collections

Core Advantages

  • Extensive hands-on experience with mobile finance and payments, familiar with Indonesian OJK requirements
  • Compliance-first: data minimization, auditable logs and KYC timelines
  • Supports multi-channel repayment integration and automated reconciliation
  • Flexible delivery formats: SDKs, microservices, containerized deployments, and CI/CD integration

Compliance & Privacy

All work is based on client authorization or publicly available APIs; we provide privacy-preserving data handling guidance and audit trail plans to meet regulatory standards (NDA optional).

About Us

We are a studio focused on app protocol analysis and compliant API integration. Our team comes from fintech, banking and cloud-native backgrounds, delivering end-to-end capabilities from protocol analysis to source code delivery.

  • Android & iOS protocol analysis and interface reconstruction
  • Deliver runnable source code, OpenAPI docs, and automated tests
  • Multi-language support: English, Chinese, Indonesian
  • Transparent pricing: starting at $300, with post-delivery payment options

Contact Us

Ready to start? Visit our contact page and submit your target app name and integration requirements:

Go to Contact / Submit Request

🔽 Singa Fintech Official App Description (Original, collapsed)

Singa Fintech is a fast, unsecured, low-interest Indonesian online loan app, regulated by OJK and holds relevant licenses (KEP-47/D.05/2020). The platform offers micro-loans ranging from IDR 1,100,000 to IDR 48,000,000, with tenors typically 91-100 days and a maximum annualized rate not exceeding 36%.

  • Unsecured loans, fast disbursement, 24/7 service
  • Biometric verification and document OCR fortification for risk management
  • Supports multiple payment channels: ATM, online banking (virtual accounts), offline stores (Alfamart)
  • Cashback and loyalty programs
  • Customer support: cs@singa.id, website: www.singa.id
  • Office address and social channels listed in app market information