Bring Banksalad household-ledger, asset and product-comparison data into your own stack
Banksalad (운영사 Rainist, package com.rainist.banksalad2) is a Financial Services Commission–licensed MyData operator that aggregates 1,400+ Korean financial products, every linked bank account, card statement, loan, insurance contract and — since the company entered healthcare data services — non-face-to-face genetic checkup records. Our team delivers compliant API and protocol-analysis work so this consolidated view becomes programmatically accessible to your back office, ERP, accounting tool, credit engine or analytics warehouse.
What we deliver
Deliverables checklist
- OpenAPI / Swagger specification for every exposed Banksalad surface
- Protocol & auth-flow report (OAuth, refresh token chain, device binding, certificate pinning notes)
- Runnable Python and Node.js source for login, ledger, asset and product-comparison endpoints
- Postman / Bruno collections plus pytest / vitest fixtures
- Compliance brief: Korean Credit Information Act, PIPA and MyData 2.0 obligations
- Deployment notes for self-hosting or our hosted pay-per-call gateway
Engagement models
Two ways to work with us, picked per project:
- Source-code delivery from $300 — runnable repository, docs and test plan; payment after acceptance.
- Pay-per-call hosted API — consume the same endpoints via our gateway and pay only for successful calls; no upfront fee.
Data available for integration (OpenData inventory)
The matrix below maps the most commonly requested Banksalad surfaces to where they originate inside the app, the granularity at which they can be retrieved, and a typical downstream use. Field names are illustrative and follow Korean MyData 2.0 conventions.
| Data type | Source (screen / feature) | Granularity | Typical use |
|---|---|---|---|
| Household-ledger entries | 가계부 (auto-classified income / expense / transfer feed) | Per-transaction; 1 KRW precision; category, merchant, memo | Accounting reconciliation, expense automation, budgeting tools |
| Linked-bank balances | 홈 자산 dashboard (18 banks via Korea Open Banking) | Account-level, refreshed on demand | Net-worth dashboards, KYC top-up checks, treasury sync |
| Card statement & cashback | 카드 / 카드 비교 module | Per-line items, MCC, benefit accrual | Loyalty/rewards engines, T&E expense reports |
| Loan portfolio & repayment schedule | 대출 비교 + 대출 관리 | Per-contract: principal, rate, due date, refinancing offers | Credit-risk modelling, refinancing alerts, debt-advice apps |
| Mortgage & insurance quotes | 주담대 비교 / 자동차 보험 비교 | Indicative rates, coverage matrix | Embedded comparison widgets, broker dashboards |
| Net-worth time series | 자산 변화 그래프 | Daily snapshot, asset class break-down | Wealth-management apps, robo-advisor onboarding |
| Health / genetic voucher metadata | 건강 검진 / 유전자 검사 (Teragen Health partnership) | Voucher status, marker categories | Health-insurance underwriting, wellness platforms |
Typical integration scenarios
1. Cross-border accounting sync
A Singapore-based holding company reconciles Korean subsidiaries' household-ledger feeds into a single ledger. Banksalad's auto-categorised KRW transactions flow through our normalisation layer (category_normalised, fx_rate_at_post) into Xero, NetSuite or QuickBooks. This is the core OpenFinance pattern: customer-consented data leaves the source app and lands in a downstream book of record.
2. Embedded loan refinancing
A neobank embeds Banksalad's 125-loan rate comparison and the user's existing-loan portfolio behind a single CTA. When a cheaper rate is detected, our webhook fires loan.refi.opportunity and the partner triggers a one-minute switch flow — exactly the experience Banksalad's own app surfaces, now portable to any front-end.
3. Wealth dashboard for advisors
An advisor platform pulls the consolidated 자산 view (cash, deposits, securities, loans) from Banksalad MyData feeds across a household. Daily net-worth deltas drive rebalancing suggestions. Field-level permissions let clients hide specific accounts before sharing — fully compliant with MyData 2.0 minimum-necessary rules.
4. Credit underwriting decision feed
A lender consumes anonymised spend and repayment patterns to refine its scorecard. The integration uses pseudonymisation under PIPA (개인정보보호법) and the FSC's MyData Secure Provision System, ensuring third-party use is logged and revocable. Use cases include thin-file applicants and SME credit lines.
5. Subscription & fixed-cost optimisation
A SaaS that helps users cut subscriptions reads recurring lines from the ledger (insurance premiums, streaming, telco), classifies them, and offers cheaper alternatives. Banksalad already exposes "annual fixed cost" analytics in the 2025 Money Report — our integration lets a partner surface the same insight inside its own product.
Technical implementation
The snippets below illustrate three of the most common surfaces. They follow Korean MyData 2.0 token semantics (consent token, 1-year refresh ceiling) and our own normalised response envelope.
Login & consent (OAuth 2.0 + MyData consent token)
POST /api/v1/banksalad/oauth/token
Content-Type: application/x-www-form-urlencoded
grant_type=authorization_code
&code=<CONSENT_CODE>
&client_id=<PARTNER_ID>
&redirect_uri=https://your.app/cb
→ 200 OK
{
"access_token": "...",
"refresh_token": "...",
"consent_token": "...",
"scopes": ["ledger.read","assets.read","loans.read"],
"expires_in": 1800
}
Household-ledger query
POST /api/v1/banksalad/ledger/transactions
Authorization: Bearer <ACCESS_TOKEN>
X-Consent-Token: <CONSENT_TOKEN>
{
"from_date": "2026-04-01",
"to_date": "2026-04-30",
"include": ["category","merchant","budget"],
"page_size": 200
}
→ {
"items": [
{"id":"tx_…","amount":-12800,"currency":"KRW",
"category":"식비/카페","merchant":"스타벅스",
"posted_at":"2026-04-12T08:14:02+09:00"}
],
"next_cursor": "…"
}
Net-worth snapshot & webhook
GET /api/v1/banksalad/assets/networth?as_of=2026-04-30
Authorization: Bearer <ACCESS_TOKEN>
→ {
"total_assets_krw": 184_320_000,
"total_liabilities_krw": 62_500_000,
"net_worth_krw": 121_820_000,
"breakdown": { "deposit":…, "card":…, "loan":… }
}
# Webhook (delivered when MyData refresh lands)
POST https://your.app/webhooks/banksalad
{ "event":"assets.refreshed", "user_id":"u_123",
"delta_krw": +320_000, "ts":"2026-05-04T03:00:00Z" }
Compliance & privacy
Korean regulatory framework
Banksalad operates as a licensed MyData provider under Korea's Financial Services Commission MyData 2.0 plan (April 2024), which places clear duties on any third party touching financial credit information. Our integrations follow the Credit Information Act (신용정보법), the Personal Information Protection Act (PIPA, 개인정보보호법), and the January 2025 amendment that requires use of the MyData Secure Provision System for sales of MyData to other parties. Scraping is explicitly avoided in favour of the standardised API channel that went fully live on 5 January 2022.
Operational guardrails
- Per-scope consent tokens with revocation endpoint
- End-to-end TLS 1.3 and token rotation; no on-server secrets cache
- Audit log of every data pull (who, what, when, scope)
- Data minimisation: only fields the partner declared are returned
- NDAs and DPA templates aligned with Korean and EU norms
Data flow & architecture
A reference pipeline looks like this:
- Banksalad client (Android / iOS) — user authorises the partner via Korea MyData consent screen.
- Ingestion gateway — receives OAuth callback, mints consent token, normalises responses, applies retry / pagination logic.
- Storage & pseudonymisation layer — encrypted at rest, pseudonymised IDs under PIPA Article 28; raw PII never leaves Korea unless cross-border transfer rules are met.
- Analytics or API output — partner consumes a unified schema (transactions, balances, loans, products) via REST, GraphQL, or webhook; dashboards, ERPs and credit engines plug in here.
Market positioning & user profile
Banksalad is operated by Rainist (founded 2012, Seoul) and reached 1.5 million monthly active users by early 2019, growing into a top-tier MyData provider after the 2022 launch of API-based MyData. Its primary users are Korean retail consumers aged 20–50, with a growing professional and SME tail interested in tax-time exports and cashback optimisation. The platform is mobile-first on Android and iOS, with little web presence — making protocol analysis essential for any B2B integration. Reported assets-under-aggregation reach into the trillions of won, and the company expanded into healthcare data (genetic checkups via Teragen Health) and the 2025 Money Report annual analytics product, which surfaces fixed-cost and category insights for every connected user.
Screenshots
Click any thumbnail to enlarge.
Similar apps & the wider Korean OpenFinance landscape
Many teams that engage us about Banksalad already work with one or more of the apps below. Our adapter layer normalises authentication and field shapes so a unified schema covers them side-by-side — useful when an end customer holds money and data across several Korean fintech platforms.
About OpenFinance Lab
We are an independent technical studio focused on App interface integration and authorized API integration. The team has shipped integrations across Korean, Japanese, Southeast-Asian and European fintech apps, mixing protocol analysis, OAuth flow reverse engineering, MyData / Open Banking adapters and data-warehouse plumbing. We pay attention to local rules — FSC for Korea, MAS for Singapore, FCA for the UK — and keep delivery practical rather than academic.
- Mobile (Android / iOS) protocol analysis and SDK output
- OAuth / mTLS / device-binding bring-up
- Custom Python, Node.js and Go SDKs with test harnesses
- Source-code delivery from $300 — runnable repo, docs, pay-after-acceptance
- Pay-per-call hosted gateway — usage billing, no upfront commitment
Contact
Send us the target app and the scope of data you need. We reply with a feasibility note and a fixed price within one business day.
Two engagement models: source-code delivery from $300, or pay-per-call hosted API.
Engagement workflow
- Scope confirmation: which Banksalad surfaces (ledger, assets, loans, products, health) and which downstream system.
- Protocol analysis & API design (2–5 business days for a single surface; longer for multi-MyData stacks).
- Build, sandbox validation and consent-flow test harness (3–8 business days).
- Documentation, sample collections, automated tests (1–2 business days).
- First runnable drop in 5–15 business days; partner-side approvals or third-party MyData on-boarding may extend the schedule.
FAQ
What do you need from me to start a Banksalad integration?
How long does delivery take?
How do you handle Korean MyData and PIPA compliance?
Can the same code base be reused for Toss, Kakao Pay or Naver Pay?
📱 Original app overview (appendix — Banksalad / 뱅크샐러드)
Banksalad — operated by Rainist (Seoul) and trading as 뱅크샐러드 — is one of Korea's most-used personal finance apps. Originally launched as a credit-card recommendation tool, it expanded over the past decade into asset aggregation, household-account automation, loan and mortgage comparison, direct car-insurance quoting, credit-score management, and most recently digital health.
- Credit cards — compares all card-company cashback events, recommends the maximum-benefit card from the user's spending pattern, and lets users issue the card immediately.
- Loans — compares 125 loan products at the lowest interest rate, distributes interest-rate coupons (also valid for refinancing), shows repayment schedules, and supports same-day deposits at the lowest available rate.
- Home mortgages — first-financial-sector mortgage comparison reflecting the latest interest rates and regulations for purchase, business and lease-exit purposes.
- Direct car insurance — compares multiple direct-channel policies for the same coverage at lower prices.
- Asset management — single-pane view of accounts, cash, cards and loans; net-worth tracking; loan and savings diagnostics. Connects without a PC via the mobile MyData flow.
- Household account book — automatic income / expense / transfer entry classified to 1 KRW precision, including Kakao Pay Money and Toss Pay Money lines, with custom categories, budgets and editable details.
- Free health checkup — first-come-first-served daily 10:00 KST genetic test (150+ markers covering nutrition, athletic ability, hair-loss risk and more) at home; gift vouchers also available.
Security & privacy posture (per the app's published terms): genetic-test data is processed by Teragen Health under a strict information-protection regime and is never shared with third parties beyond Banksalad's stated health-management purpose. Banksalad holds personal credit-information business authorisation from the Financial Supervisory Service and electronic-signature certification from KISA. Customer secrets — public certificates, passwords, financial-institution credentials — are encrypted on the user's device rather than on Banksalad servers, and the entire transport layer between device and server is encrypted. Personal data required to connect financial assets is used only for inquiry and is not persisted on the internal server. Optional access permissions (phone, notifications) can be declined without losing core functionality, in line with Korean Personal Information Protection regulations.
Indicative loan-product disclosure (from the app): loan limit 1 million – 2 billion KRW; period 12–480 months; integrated rate range 2.56% – 19.9% per annum; example — 1 million KRW at 6.5% APR repaid in 12 equal monthly instalments costs 1,035,557 KRW total (86,296 KRW / month). Actual terms vary by product and repayment method.
Service inquiries — within the app via [전체] → 고객센터 or [홈] → 고객센터 (top-right ☰), or by email to hello@banksalad.com. The 'Banksalad Customer Center' page on Naver also hosts a public FAQ.