Samir (com.sahabatmikro) — Integration & OpenFinance Solutions

Delivery checklist

• Protocol analysis report (request chains, encryption, signatures, key parameters)
• OpenAPI / Swagger interface specification
• Runnable API gateway implementation (Node.js / Python) and SDK examples
• Automated test scripts and Postman collection
• Compliance & privacy recommendations (data minimization, logging, optional NDA)

Example endpoints (pseudo code)

// 1) Login and obtain session token
POST /api/v1/auth/login
Content-Type: application/json
{ 'phone': '+62812345678', 'otp': '123456' }

Response: { 'access_token': 'ey..', 'refresh_token': 'r..', 'expires_in': 3600 }

// 2) Get available loan products
GET /api/v1/loans/offers
Authorization: Bearer <ACCESS_TOKEN>

// 3) Submit loan application
POST /api/v1/loans/apply
{ 'product_id': 'L-91', 'amount': 5000000, 'term_days': 91, 'id_photo_front': 'data:..', 'id_photo_back': 'data:..' }

// 4) Disbursement callback (webhook)
POST /webhooks/loan/status
{ 'loan_id': 'LN123', 'status': 'DISBURSED', 'amount': 5000000, 'bank_txn_id': 'BTX-987' }

Key integration points

Identity & KYC (OCR + face match), SMS/OTP verification, device fingerprinting, risk scoring engine, disbursement channels (virtual account / bank transfer / e-wallet), delinquency collection callbacks and reconciliation feed synchronization.

Why choose us

• Domain experience in mobile finance and loan lifecycle operations
• Compliance-first approach aligned with Indonesian regulator OJK and privacy guidance
• Deliver runnable source code: APIs, SDKs and test suites
• Cross-platform support: Android/iOS protocol adaptation and sample code
• Transparent pricing: starting at $300, with sample-first delivery options

Recommended integration architecture

1. Abstract app behaviors (login, apply, upload) into REST APIs
2. Implement authentication, rate limiting and input validation at gateway layer
3. Expose scoring engine as a separate service with async scoring and hot model updates
4. Use transactional queues + idempotent callback handling for disbursements
5. Provide webhooks / message queues for realtime disbursement, repayment and reconciliation events

API integration quick guide

1. Prepare: provide target app name (Samir), feature list, and any backend credentials or test environment info.
2. Protocol analysis: we will deliver capture/chain and key field definitions within 2-5 business days.
3. Implementation: provide Node.js / Python API samples with OpenAPI documentation.
4. Validation: deliver Postman collection and automated tests for end-to-end acceptance.
5. Delivery: source code, OpenAPI docs, test plan and compliance recommendations.

Security & compliance highlights

• Data minimization: persist only necessary identity and transaction data with configurable retention
• Audit & logging: store consent records and immutable logs for critical transactions
• Encrypted transport: enforce TLS, end-to-end encryption for sensitive fields and key rotation
• Fraud prevention: device fingerprinting, behavior models and rate limiting
• Regulatory alignment: advise on KYC/AML flows and required disclosures per jurisdiction

About our studio

We are a technical studio focused on app protocol analysis and authorized API integration. Our team comes from fintech, payments and mobile security backgrounds and can provide end-to-end delivery from protocol analysis to compliant production APIs.

• Support for Android / iOS protocol analysis and SDK development
• Deliverables include OpenAPI, example source code, test cases and compliance guidance
• Global delivery with knowledge of multi-country regulatory and privacy standards

Contact

To submit the target app and requirements, request a quote or start a project, please visit our contact page:

View contact / Submit request