CashVia API integration services (Mexico digital lending / OpenFinance)

Why CashVia data matters in Mexico's lending stack

CashVia targets the same underserved segment that Kueski, MoneyMan, TurboPeso, Creditea, and Tala compete for: Mexican residents aged 18+, with a valid government ID (INE/CURP) and an active mobile number, who need short-term installment liquidity without a guarantor or collateral. According to public coverage of Mexican digital lending, CashVia describes itself as a financial-technology platform that uses real-time risk-profile evaluation built on data signals collected from the borrower's device — meaning the backend stores rich application-level data, not just a balance.

For partners running accounting, debt-aggregation, BNPL reconciliation, or credit-bureau alternatives, this turns CashVia into a meaningful node in the borrower's financial graph. Mexico's Open Finance framework already covers more than 5,000 institutions — banks, SOFOMs, and SOFIPOs — and the 2025 Ley Fintech amendments explicitly extend the regime toward AI-driven credit scoring, open-finance APIs, and the national digital identity platform Llave MX. That gives both borrowers and authorized aggregators a clearer path to consented, programmatic data access.

In 2024–2025 the Mexican fintech sector consolidated around vertically focused, well-capitalized lenders, and digital loan-origination platforms now bundle alternative-data APIs, AI-driven credit scoring, contract generation, and automated disbursements. CashVia's flow — paperless onboarding, ID-only applications, immediate deposit, and incremental limit increases for borrowers with on-time history — fits this pattern, and it is precisely the surface area we expose through our integration deliverables.

Feature modules

Data available for integration

The following inventory reflects the structured data CashVia handles end to end, derived from the public app description and Mexican digital-lending norms. We surface these objects through clearly versioned endpoints, with consent metadata and field-level access control.

Typical integration scenarios

1. Multi-lender debt aggregation for Mexican borrowers. A finance app pulls active CashVia contracts together with balances from Kueski, MoneyMan, TurboPeso, and Creditea, then surfaces a single "what I owe this month" dashboard. Endpoints used: /loans/list, /repayments/schedule, plus missed_payment webhook. Maps cleanly to Mexico's Open Finance "consumer-permissioned data" pattern.
2. SOFOM accounting and CNBV reporting. A regulated SOFOM ER consuming CashVia's ledger as part of a larger receivables portfolio runs nightly statement exports into its general ledger and produces the cartera de crédito reports CNBV expects. Endpoints used: /statements/export, /loans/active, /payments/ledger.
3. Alternative credit scoring. A risk-modeling team trains an on-time-payment classifier with anonymized CashVia repayment histories alongside other Mexican micro-loan signals. The data flows through a consent-scoped feature pipeline that strips PII before it reaches the model registry.
4. Borrower-self-service export. Under LFPDPPP (Mexico's federal personal data protection law), a borrower exercises their access right and downloads a complete record of contracts, installments, and payments as a signed PDF. Endpoint used: /me/export with a one-shot consent token.
5. Collections workflow integration. A specialized collections platform listens on installment.overdue webhooks, opens cases, and writes back outcomes via /collections/cases, replacing brittle CSV uploads and reducing the harassment-style outreach that has hurt the broader Mexican lending sector's reputation.

Technical implementation

Below are three illustrative request/response shapes that match the typical lifecycle: authentication, application submission, and webhook delivery. Field names are intentionally close to what you would see in a clean OpenAPI definition.

1. Phone + OTP authentication

POST /api/v1/cashvia/auth/otp/start
Content-Type: application/json

{
  "phone":      "+525596523553",
  "device_id":  "f17a9b3c-...-mx",
  "client_app": "integration-bridge/1.0"
}

200 OK
{ "challenge_id": "chg_8f2e", "expires_in": 120 }


POST /api/v1/cashvia/auth/otp/verify
{
  "challenge_id": "chg_8f2e",
  "code":         "493201"
}

200 OK
{
  "access_token":  "eyJhbGciOi...",
  "refresh_token": "rft_b6...",
  "expires_in":    3600,
  "scope":         "loans.read repayments.read statements.export"
}

2. Submit a loan application

POST /api/v1/cashvia/loans/apply
Authorization: Bearer <ACCESS_TOKEN>

{
  "amount":         15000,
  "currency":       "MXN",
  "term_days":      120,
  "purpose":        "consumer",
  "ine_curp":       "GOXX900101HDFRRR09",
  "monthly_income": 18000,
  "employer":       "Acme Mexico SA de CV",
  "consent_id":     "cns_2026_04_29_91b2"
}

201 Created
{
  "loan_id":   "CV-2026-000456",
  "status":    "UNDER_REVIEW",
  "offered":   { "amount": 15000, "term_days": 120, "daily_rate": 0.0008 },
  "next_step": "wait_for_decision"
}

3. Webhook: installment overdue

POST https://your-stack.example/webhooks/cashvia
X-CashVia-Signature: t=1714377600,v1=8a0f...
Content-Type: application/json

{
  "event":         "installment.overdue",
  "loan_id":       "CV-2026-000456",
  "installment":   3,
  "due_date":      "2026-04-25",
  "days_overdue":  4,
  "outstanding":   5480.00,
  "currency":      "MXN"
}

// Recommended handling: idempotent writes keyed on (loan_id, installment),
// 5xx-on-failure to trigger automatic retry with exponential backoff.

Compliance & privacy

Mexican personal lending is governed by a layered framework. The Ley Fintech (Ley para Regular las Instituciones de Tecnología Financiera, 2018) and its 2025 amendments — which expand the statute toward AI-driven credit scoring, open-finance APIs, and the national digital-ID platform Llave MX — set the regulatory direction. CNBV grants and supervises licenses with the favorable opinion of an inter-institutional committee that includes the Ministry of Finance and Banxico. CONDUSEF protects users of financial services and reviews disclosures and complaints. The Federal Law on Protection of Personal Data Held by Private Parties (LFPDPPP) governs how borrower data is collected, stored, and shared.

Every integration we deliver is structured around explicit borrower consent, scope-limited tokens, retention windows aligned with the lender's own privacy policy, and complete audit logs for inbound and outbound calls. We never bypass app-level controls: where CashVia provides an authorized API surface, we use it; where data extraction is performed against the customer's own data, we do it under documented authorization, with the borrower's signed consent on file.

Data flow / architecture

A typical pipeline looks like this:

• 1. Client app / consent UI — Borrower authorizes the integration, OTP is verified, scoped token is issued.
• 2. Integration bridge — Our authorized API layer translates between CashVia's protocol and your normalized OpenFinance schema.
• 3. Storage & ledger — Encrypted at rest (AES-256), partitioned per tenant; raw payloads are kept only for the retention window required by audit.
• 4. Analytics / API output — Downstream consumers (your dashboards, scoring models, accounting systems) read through a versioned, rate-limited API.

Market positioning & user profile

CashVia targets Mexican residents aged 18 and over, holding a valid INE and an active local mobile number. The product is mobile-first, distributed primarily through Google Play, and aimed at consumers who need short-term installment liquidity (3 to 6 months) for amounts up to 20,000 MXN. Typical user profiles include underbanked workers, gig-economy earners, and small-merchant owners who would otherwise turn to higher-friction store credit or informal lenders. Geographically the product concentrates in Mexico City and the major metro areas, and operates within a Mexican fintech ecosystem that, per 2025 industry coverage, has consolidated around vertically focused, well-capitalized digital lenders.

Screenshots

Click any thumbnail to enlarge. These are public Google Play screenshots used here strictly to illustrate the data surfaces that an integration would map to.

Similar apps & integration landscape

Mexican digital lending is a busy field. Borrowers and back-office systems often touch several lenders at once, and unified integration is the most common reason teams reach out to us. The names below are part of that broader ecosystem — listed here purely to describe where CashVia fits, not to rank or compare.

• Kueski — A long-running Mexican micro-loan app with limits up to ~26,000 MXN. Teams aggregating short-term consumer credit often need unified statement exports across Kueski and CashVia.
• MoneyMan Mexico — Offers a progressive limits system up to ~25,000 MXN. Risk teams using on-time-payment signals from MoneyMan tend to map them onto the same schema we propose for CashVia repayments.
• TurboPeso — Same-day-deposit lender with limits up to ~30,000 MXN. Frequently appears in debt-aggregator feeds alongside CashVia.
• Creditea — Higher-ticket installment loans (up to ~70,000 MXN) with a competitive CAT. Combined Creditea + CashVia views are common in household-budget tools.
• Tala — Inclusive credit app focused on borrowers without traditional credit history, very similar customer profile to CashVia's.
• Kubo Financiero — A regulated SOFIPO offering personal loans through a marketplace model; useful as a benchmark when designing CashVia's repayment-data shape.
• Credilikeme — CONDUSEF-listed micro-loan app; aggregator stacks that already model Credilikeme contracts can extend cleanly to CashVia.
• Klarna (Mexico operations) — A BNPL provider whose installment data shares structural similarities with CashVia's amortization schedule.
• Fondeadora — Digital banking and payments; relevant when the same borrower's bank statements need to sit alongside CashVia loan data.
• Credijusto — SME lender; included because larger receivables-finance stacks may surface CashVia consumer loans next to Credijusto SME loans inside the same portfolio dashboard.