Kissht API Integration & Open Finance Solutions

OpenData / OpenFinance protocol analysis, loan application and management, EMI conversion, transaction statements and KYC workflows with runnable code delivery

Starting at $300
Delivery: source code + docs + test scripts
OpenData · OpenBanking · Protocol Analysis · NBFC Integration

Securely connect Kissht’s lending and accounting capabilities to your system

We provide an end-to-end package including protocol analysis under authorized access, production-grade API code, OpenAPI docs, and automated tests; covering loan applications, EMI conversions, billing & transactions, and KYC/compliance workflows.

Loan application & approval API — simulate application flow, NBFC routing, credit limit calculation and approval callbacks; supports electronic contract signing and disbursement instructions.
EMI conversion & accounting management — convert purchases or debt into multi-EMI plans, generate repayment schedules and sync bills to user accounts.
KYC / digital identity verification — compliant workflows based on identity docs (Aadhaar/PAN or digital IDs), with auditable verification records; supports local equivalents.
Transactions & billing exports — export by date/channel/product in JSON/CSV/Excel, with categories and analytics for reporting.
Get a Quote View Deliverables

Deliverables & Technical Highlights

Standard Deliverables

  • OpenAPI / Swagger interface specs and sample requests
  • Protocol & authorization flow analysis (Token, Session, Signatures)
  • runnable backend code (Node.js / Python) with auth middlewares
  • Automation test scripts and Postman collections
  • Compliance guidance (data retention, logging, consent records)

Sample: Retrieve transactions (pseudo-code)

# Example: retrieve user transactions
POST /api/v1/kissht/transactions
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'account_id': 'user_12345',
  'from': '2025-09-01',
  'to': '2025-09-30',
  'page': 1,
  'page_size': 100
}

Response: {
  'status': 'OK',
  'transactions': [
    { 'id':'TXN001','date':'2025-09-02','amount':-250.00,'merchant':'Shop X','status':'SUCCESS' }
  ],
  'next_page': 2
}

Key Integration Scenarios

Employee benefits platforms, payroll integration, card balance sync, merchant POS validation, promotions/points sync, batch reporting and audit logs.

Core Benefits

  • Executable source code for quick deployment in your own infra
  • Security standards: TLS, OAuth2, PCI-DSS and least privilege
  • Supports multi-environment (sandbox, staging, prod) with automated tests
  • Localization & multi-language support for Brazil market and enterprise needs

Engagement & Compliance

All work is performed under client authorization or open/licensed APIs. We provide data minimization guidance, audit-ready logs, and compliance documentation aligned with local/regional privacy and payment standards.

Getting Started (API Integration Guide)

  1. Provide target App name and concrete use cases (e.g., balance checks, statement exports, merchant search).
  2. Confirm authorization: public API, partner credentials, or customer- supplied test credentials.
  3. Protocol analysis (2-5 business days): identify auth chain, signatures and session strategies.
  4. Development & testing: deliver API, SDK samples and test data (3-10 business days).
  5. Deployment support and compliance review (optional).

Security & Privacy

All work is performed under client authorization or open APIs; we provide data minimization guidance, consent records and privacy documentation to meet regional requirements including PCI-DSS.

About Us

We are a boutique studio specializing in App protocol analysis and authorized API integration. Our team has deep experience in mobile payments, banking, and secure API delivery, with a track record of compliant, production-ready solutions.

  • OpenData / OpenFinance standard delivery
  • Deliver runnable SDKs, sample code, and OpenAPI docs
  • Compliance guidance: KYC, privacy, and audit readiness
  • Transparent pricing: starts at $300, with milestone-based payments

Contact

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

Visit Contact Page

📱 Kissht Official App Features (foldable)

Note: This collapsible section replicates Kissht app feature highlights for technical integration reference. Please rely on official terms for real product capabilities.

  • Instant personal/enterprise loans with online KYC
  • Transparent fees and fast disbursement to bank accounts
  • Convert purchases into EMI with flexible tenors
  • Spending analytics and budget recommendations