Moniepoint API Integration & Open Finance Services

OpenData / OpenBanking compliant API implementations and runnable deliverables for Moniepoint

Starting at $300 · Pay after delivery
OpenData · OpenFinance · OpenBanking · Protocol Analysis

Securely connect Moniepoint's accounts, transfers and savings capabilities to your system

We provide end-to-end delivery based on authorized and public data: account opening flow simulations, transaction queries, bill exports, payments and reconciliation, with runnable backend sources and complete API documentation for enterprise-grade compliance.

Account Opening & KYC — Automated onboarding flow simulations, data validation, and KYC report integration, generating reusable onboarding APIs.
Real-time Transfers & Payments — Connect Moniepoint transfers (P2P, deposits/withdrawals, ledger sync), with bank/USSD fallback options.
Transactions & Reconciliation — Provide paginated/time-range transaction streams, export in JSON/CSV/Excel/PDF, with an optional mapping layer.
Offline & Low-Connectivity Scenarios — Integrate USSD/air interface as a fallback channel to ensure critical operations during offline or low connectivity conditions.
Request a Proposal View Deliverables

Deliverables & Services

Standard Deliverables

  • Protocol analysis report (authorization flow, data model, risk points)
  • OpenAPI / Swagger interface specifications with sample requests/responses
  • runnable backend source code (Node.js / Python / Go optional) with deployment guidance
  • Automated tests and integration test environment
  • Compliance and privacy recommendations (data retention, least privilege, logging)

Interface Examples (Pseudo-code)

 <!-- Pseudo-code: Get account balances --> 
GET /api/v1/moniepoint/accounts
Authorization: Bearer <ACCESS_TOKEN>

{ "account_id": "MP12345678", "currency": "NGN", "available_balance": 12500.50, "ledger_balance": 12500.50, "as_of": "2025-10-01T08:00:00Z" }

 <!-- Pseudo-code: Query transactions --> 
POST /api/v1/moniepoint/transactions/query
Authorization: Bearer <ACCESS_TOKEN>
{
  "from_date": "2025-09-01",
  "to_date": "2025-09-30",
  "page": 1,
  "page_size": 200
}

Response: { "transactions": [...], "total": 243 }

Typical Integration Scenarios

 Account onboarding automation → funds flow (in/out) → transaction sync & reconciliation → report exports (CSV/Excel/PDF) → compliant logs & audit trails.

API Integration Quick Start

  1. Provide target functionality requirements (e.g., transaction sync, virtual cards, exchange rate subscriptions).
  2. We perform protocol analysis and provide authorization flows (OAuth2 / OpenID or custom token rotation).
  3. Deliver sample backend implementation, authentication middleware, retry logic, and idempotency.
  4. Provide Webhook receivers and signature verification implementations.
  5. Deliver documentation, Postman collections and automated tests to help go-live quickly.

Security notes: all integrations should use least privilege, TLS 1.2+/mTLS if required, and encryption of sensitive data with minimal data retention.

Compliance & Privacy

All implementations are based on client authorization or public APIs. We follow least privilege, encrypted transmission, audit logging, and NDA if needed. For scenarios requiring reverse engineering to complete protocol adaptation, we employ compliant and auditable methods with risk assessment.

About Us

We are a technology studio focused on mobile app protocol analysis and compliant API integration. Our team has extensive experience in fintech, payments, and cloud deployment, delivering end-to-end from protocol analysis to production-ready code and documentation.

  • Supports Android / iOS protocol analysis and API wiring
  • Provides runnable code samples (Node/Python/Go) and OpenAPI docs
  • Compliance-first: KYC, data protection, regional regulatory adaptation
  • Transparent pricing: starting at $300, pay-on-delivery options available

Contact Us

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

Visit Contact Page

📱 Moniepoint Official App Overview (Collapsed)

Below is the original app description for reference (technical background and features). This section is collapsed by default to keep the page concise.

App name: Moniepoint Personal Banking App

Core features:

  • Instant sending & receiving funds, bill payments, mobile top-ups.
  • Fast onboarding and instant online access.
  • Savings products: flexible, term, and locked savings with up to 18% APR.
  • Apply for and receive a debit card for nationwide ATM and POS usage.
  • Security encryption and 24/7 customer support.
  • Offline USSD: *5573# supports offline transfers, balance checks, and card blocking.

Note: The above is a feature summary for technical integration reference. Terms and rates are subject to Moniepoint official terms.