Axal: High Yield Savings — API integration & OpenFinance services

Authorization & smart-account binding

Mirror Axal's mobile authorization to bind a user under your tenant. Each Axal deposit is protected by TEE-enforced signing policies and batched execution; our integration exposes a stable account ID, a smart-account address, and a refreshable session token so your backend can re-auth without prompting the user every time.

Deposit ingestion (Apple Pay / ACH / USDC)

Three on-ramp paths: Apple Pay (in-app), ACH bank transfer (US accounts), and direct USDC transfer to the user's MoonPay-Iron virtual account. We expose a unified deposits resource so accounting systems do not need to know the underlying rail — only that funds have settled and have been routed to a yield strategy.

Yield strategy snapshot

Per-user allocation by protocol (Morpho lending vaults, Euler markets, Pendle PT/YT positions, Aave V3 supplies), with per-leg APY, vault address, and last-rebalance timestamp — enabling reconciliation, performance attribution, and risk dashboards on the user's behalf.

Statement & tax export

Date-ranged transaction statements for deposits, withdrawals, rebalances, and earned yield. JSON for engineering, CSV/Excel for finance, PDF for end-user statements; field-level documentation included for direct mapping into QuickBooks, NetSuite, or in-house ledgers.

Withdrawal & settlement tracking

Lifecycle states for a withdrawal request: queued, signed by smart account, on-chain settled, off-ramp initiated, fiat received. Each state ships a webhook with the on-chain transaction hash and the MoonPay reference, so support and operations teams can trace funds end-to-end.

Rebalancer event stream

Axal's automation engine reallocates capital in real time across DeFi protocols. We surface those rebalances as discrete events — old leg, new leg, amount, gas covered, expected APY delta — so risk systems can flag concentration changes and treasury teams can track yield drift.

1. Treasury & NAV sync for fintech wallets

A neobank or crypto wallet wants to surface "your Axal balance" inside its own app. Our integration polls the balance and earnings endpoints under user-authorized OAuth, keeps a server-side mirror, and emits a daily NAV snapshot — mapping cleanly onto OpenFinance account-aggregation patterns familiar from PSD2-style flows.

2. Tax & accounting export for crypto CPAs

An accounting firm onboards US clients earning USDC yield via Axal. The statement API delivers per-day accrued yield, deposit/withdrawal events with on-chain references, and rebalance gas costs in one CSV — ready to feed into Form 1099 prep, Schedule D, or staking-income workflows.

3. Risk-controlled DeFi exposure for SMBs

A small business uses Axal to park idle USDC. Their CFO needs to confirm exposure stays within policy: at most 40% Morpho, 25% Euler, 20% Pendle, 15% Aave. The allocation snapshot endpoint plus rebalance webhook drives a Slack alert when the rebalancer moves outside policy bands.

4. Compliance reporting under the GENIUS Act

The 2025 GENIUS Act and the FinCEN/OFAC joint proposed rule (April 2026) extend BSA-style obligations to stablecoin issuers and downstream platforms. Our compliance bundle ships authorized deposit/withdrawal logs, KYC tier metadata, and source-of-funds events for SAR/CTR-style reporting.

5. Cross-platform yield aggregation dashboard

A power user holds USDC across Axal, Nook, YieldClub, Coinbase and Nexo. Our integration normalises Axal's strategy data into a common schema (balance, APY, protocol leg, lockup, on-ramp) so a single dashboard can compare realized yield across the whole stablecoin savings landscape.

Deliverables checklist

• OpenAPI / Swagger spec covering deposits, balances, strategies, statements, webhooks
• Protocol & auth-flow report (token lifecycle, smart-account binding, MoonPay handshake)
• Runnable source code in Python and Node.js (auth, statement export, webhook receiver)
• Postman collection and automated integration tests with sandbox fixtures
• Compliance guidance bundle: GENIUS Act, FinCEN AML/CFT NPRM, SEC stablecoin statement
• Delivery from $300 — pay after acceptance; or pay-per-call hosted endpoints

Technical implementation — auth & balance

// 1. Bind a user-authorized session
POST /api/v1/axal/auth/bind
Content-Type: application/json
Authorization: Bearer <PARTNER_API_KEY>

{
  "external_user_id": "u_8821",
  "scope": ["balance.read", "statements.read", "events.subscribe"]
}

// Response
{
  "session_id": "sess_a1b2",
  "smart_account": "0xAxalSmartAccountAddr...",
  "expires_at": "2026-05-28T10:30:00Z"
}

// 2. Read live balance + yield
GET /api/v1/axal/balance
Authorization: Bearer <SESSION_TOKEN>

// Response
{
  "usdc_balance": "1284.55",
  "accrued_yield_24h": "0.31",
  "blended_apy": 0.0742,
  "strategies": [
    {"protocol": "Morpho", "weight": 0.42, "apy": 0.078},
    {"protocol": "Euler",  "weight": 0.23, "apy": 0.069},
    {"protocol": "Pendle", "weight": 0.20, "apy": 0.081},
    {"protocol": "Aave",   "weight": 0.15, "apy": 0.061}
  ]
}

Technical implementation — statement export

POST /api/v1/axal/statement
Authorization: Bearer <SESSION_TOKEN>
Content-Type: application/json

{
  "from_date": "2026-01-01",
  "to_date":   "2026-03-31",
  "format":    "csv",
  "include":   ["deposit","withdrawal","rebalance","yield"]
}

// Response (csv stream excerpt)
date,type,amount_usdc,protocol,tx_hash,fiat_rail
2026-01-04,deposit,500.00,,,APPLE_PAY
2026-01-05,rebalance,500.00,Morpho,0xabc...,
2026-02-12,yield,3.41,Morpho,,
2026-03-30,withdrawal,200.00,,0xdef...,ACH

// Errors follow RFC 7807 problem+json
{ "type":"about:blank","title":"unauthorized",
  "status":401,"detail":"session expired" }

Technical implementation — webhook event

// Inbound: POST /your/webhook
{
  "event":      "rebalance.executed",
  "session_id": "sess_a1b2",
  "occurred_at":"2026-04-21T08:14:55Z",
  "from":       {"protocol":"Aave","amount":"150.00"},
  "to":         {"protocol":"Pendle","amount":"150.00"},
  "expected_apy_delta": 0.0114,
  "tx_hash":    "0x9f8a..."
}

// Verify HMAC signature header
//   X-Axal-Sig: t=1714000000,v1=<hex>
// reject if drift > 5 min OR signature mismatch

Who we are

We are an independent technical service studio focused on App interface integration and authorized API integration. Our engineers come from banks, payment gateways, DeFi protocol teams, and cloud platforms. We ship end-to-end financial APIs under explicit authorization and compliance constraints — never via undocumented or unsafe channels.

• Fintech, digital banking, stablecoin and DeFi yield integrations
• Protocol analysis (reverse engineering of public mobile flows under client authorization)
• Custom Python / Node.js / Go SDKs and test harnesses
• Full pipeline: scope → protocol analysis → build → validation → compliance memo
• Source-code delivery from $300 — receive runnable API source code and full documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — access our hosted Axal-integration endpoints and pay only per call, no upfront cost

Contact

Submit your target app and concrete requirements (data types, frequency, regions). We respond with scope, price band, and a sample contract within one business day.

Contact page

For Axal: please indicate which dataset you need (balance only, statements, rebalance events, or full bundle), and whether you prefer source-code delivery or pay-per-call hosted endpoints.

Engagement workflow

1. Scope confirmation: target dataset (balances, statements, allocations, events) and SLA.
2. Protocol analysis & API design (2–5 business days, scope-dependent).
3. Build & internal validation against sandbox / authorized accounts (3–8 business days).
4. Documentation, sample code, and test cases (1–2 business days).
5. Typical first delivery: 5–15 business days; third-party approvals (e.g. MoonPay, banking partners) may extend timelines.

FAQ

What do you need from me to start?

How long does delivery take?

How do you handle compliance with the GENIUS Act and FinCEN rules?

Can you also integrate competing apps (Nook, YieldClub, Coinbase, Nexo)?