Cleva App API integration services (USD wallet / OpenFinance)

Deliverables checklist

• API specification (OpenAPI / Swagger) for every endpoint we expose
• Protocol and auth-flow report (login, OTP/2FA, token refresh, cookie/JWT chain)
• Runnable source for login, balance, statement and recipient APIs (Python and Node.js)
• Webhook receiver samples for deposit, transfer and card-authorization events
• Automated tests, Postman collection and a written test plan
• Compliance notes: KYC/BVN handling, FinCEN MSB context, NDPR data-retention guidance

API example: Cleva statement query (pseudocode)

// Fetch a USD-account statement for a date range (pseudocode)
POST /api/v1/cleva/statements
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "account_id": "usd_acct_8f21c",
  "from_date": "2026-04-01",
  "to_date":   "2026-04-30",
  "types": ["ACH_DEPOSIT", "WIRE", "P2P", "FX_CONVERT", "CARD"],
  "page": 1,
  "page_size": 100
}

// Response
{
  "account_id": "usd_acct_8f21c",
  "currency": "USD",
  "available_balance": 4210.55,
  "items": [
    {"id":"txn_1a","type":"ACH_DEPOSIT","amount":1500.00,"status":"completed",
     "counterparty":"Upwork Escrow Inc","posted_at":"2026-04-03T14:21:09Z"},
    {"id":"txn_2b","type":"FX_CONVERT","from":"USD","to":"NGN","rate":1623.40,
     "amount":300.00,"status":"completed","posted_at":"2026-04-07T09:02:55Z"}
  ],
  "next_page": null
}

Engagement at a glance

Scope confirmation, protocol analysis, build, internal validation, then documentation and handover. We work under your authorization or against documented public/authorized APIs only, and we keep request logs and consent records so the integration stays auditable end to end.

Need only a subset — say, just the balance and statement endpoints for a reconciliation job? We scope to that and price accordingly rather than forcing a full build.

Account login & session APIs

We mirror Cleva App's authorization flow — phone/email login, OTP or 2FA challenge, access-token issuance and refresh — and wrap it as a stable endpoint. Concrete use: a treasury portal binds several Cleva accounts under one operator login and refreshes sessions silently so dashboards never go stale.

USD wallet balance & account-details API

Returns the user's dedicated USD account number, routing details and available balance. Concrete use: an SME finance team pulls end-of-day balances across all staff Cleva wallets into a cash-position report instead of screenshotting the app.

Transaction history & statement export

Paged transaction history with date filters and type filters (ACH deposit, wire, peer-to-peer Cleva transfer, FX conversion, card spend), exportable to CSV, JSON or PDF. Concrete use: monthly bookkeeping in QuickBooks or Xero via a scheduled statement pull and reconciliation against invoices.

Recipient & payout management

List, add and verify destination bank accounts and mobile-money recipients in Nigeria, Ghana and Uganda, then initiate a transfer and track its delivery status. Concrete use: a payroll tool batches contractor payouts and records each "delivered" callback against a payslip.

Stablecoin deposit & FX-conversion feed

Event records for USDT/USDC deposits over TRON (TRC-20), Ethereum (ERC-20) and Solana that land as USD in the wallet, plus every USD↔NGN conversion with the applied rate. Concrete use: a crypto-treasury ledger tags on-chain funding sources and computes realised FX gain or loss.

Virtual USD card & Cleva Points data

Card authorization stream (merchant, amount, MCC, decline reason) and the Cleva Points earn/redeem ledger. Concrete use: spend-analytics that splits SaaS subscriptions from one-off online purchases, and a loyalty dashboard that reconciles points earned against transactions.

1 · Freelancer income reconciliation

Context: a Nigerian creator receives ACH and wire payments from several platforms into a Cleva USD account and wants a clean monthly P&L. Data/API: GET /statements filtered to ACH_DEPOSIT and WIRE, matched to invoices by counterparty and reference. OpenFinance mapping: this is an account-information-style read — the same pattern Open Banking calls "transactions" — exposed under explicit user consent.

2 · SME multi-account treasury view

Context: an agency with Cleva Business Accounts wants one screen showing every wallet's USD balance and pending payouts. Data/API: GET /accounts + GET /accounts/{id}/balance + GET /transfers?status=pending, refreshed on a schedule. OpenFinance mapping: account aggregation across sub-accounts, equivalent to a multi-account dashboard built on OpenBanking account-list and balance endpoints.

3 · Contractor payout automation

Context: a remote team pays African contractors weekly to bank or mobile-money accounts. Data/API: POST /recipients to register and verify, POST /transfers to initiate, then a transfer.completed webhook to confirm delivery. OpenFinance mapping: a payment-initiation flow with idempotency keys and status callbacks, mirroring PIS patterns.

4 · Stablecoin source-of-funds & FX ledger

Context: a business funds its Cleva wallet with USDC on Solana and later converts USD→NGN; finance needs an auditable chain of custody. Data/API: stablecoin.deposit webhook (chain, tx hash, USD value) joined to GET /statements?types=FX_CONVERT. OpenFinance mapping: enriched transaction data with on-chain provenance, feeding AML and bookkeeping rules.

5 · Virtual-card spend & subscription control

Context: a team issues Cleva virtual USD cards for SaaS and wants alerts on new recurring charges. Data/API: card.authorization webhook with merchant + MCC, deduplicated into a subscription register; monthly export via GET /statements?types=CARD. OpenFinance mapping: card-transaction enrichment and categorisation, the consumer-finance analogue of statement analytics.

Auth: obtain & refresh an access token

POST /api/v1/cleva/auth/login
Content-Type: application/json

{ "identifier": "+2348012345678", "password": "•••", "device_id": "d-99a1" }

// → 200; if 2FA required:
{ "status": "otp_required", "challenge_id": "ch_77" }

POST /api/v1/cleva/auth/otp
{ "challenge_id": "ch_77", "code": "418204" }

// → 200
{ "access_token": "eyJ...", "refresh_token": "rt_...", "expires_in": 1800 }

// Refresh before expiry
POST /api/v1/cleva/auth/refresh
{ "refresh_token": "rt_..." }   // → new access_token

Read: account list & balance

GET /api/v1/cleva/accounts
Authorization: Bearer <ACCESS_TOKEN>

// → 200
[
  { "account_id": "usd_acct_8f21c", "currency": "USD",
    "account_number": "•••4821", "routing": "•••0003", "type": "individual" }
]

GET /api/v1/cleva/accounts/usd_acct_8f21c/balance
Authorization: Bearer <ACCESS_TOKEN>

// → 200
{ "available": 4210.55, "ledger": 4260.55, "currency": "USD",
  "as_of": "2026-05-12T07:30:00Z" }

// Error shape (consistent across endpoints)
{ "error": "rate_limited", "retry_after_ms": 1200, "request_id": "req_5d2" }

Webhook: verify a deposit event (Node.js)

const crypto = require("crypto");

function verify(req) {
  const sig = req.headers["x-cleva-signature"];
  const mac = crypto.createHmac("sha256", process.env.CLEVA_WEBHOOK_SECRET)
                    .update(req.rawBody).digest("hex");
  return crypto.timingSafeEqual(Buffer.from(sig), Buffer.from(mac));
}

app.post("/webhooks/cleva", (req, res) => {
  if (!verify(req)) return res.status(401).end();
  const e = req.body;            // e.type: "deposit.ach" | "stablecoin.deposit" | "card.authorization"
  if (e.type === "stablecoin.deposit") {
    ledger.record({ chain: e.chain, txHash: e.tx_hash,
                    usd: e.usd_credited, at: e.posted_at });
  }
  res.status(200).json({ received: true });   // ack within 5s; we retry on non-2xx
});

Cleva is registered as a Money Services Business with the U.S. Financial Crimes Enforcement Network (FinCEN) and partners with licensed US financial institutions, so any integration must respect US BSA/AML expectations: identity verification, transaction monitoring and record-keeping. For Nigerian users we follow the Nigeria Data Protection Act / NDPR for personal-data handling, and we align cross-border transfer reporting with relevant CBN guidance. We access data only under the account holder's authorization or via documented public/authorized APIs, store the minimum needed, keep consent and audit logs, and support data-deletion requests. Background reading: Open banking.

Data flow / architecture

A typical pipeline has four nodes: Cleva App / authorized API (source) → Ingestion & auth layer (token management, rate-limit handling, webhook verification) → Normalised store (transactions, balances, recipients, card events in a consistent schema) → Output (your REST API, CSV/PDF exports, or a push into accounting/BI tools). Webhooks keep the store fresh between scheduled pulls; every hop is logged for auditability.

GeegPay

Virtual USD, GBP and EUR accounts plus invoicing for African talent. Users who also work with GeegPay frequently want unified transaction exports across both wallets for one bookkeeping view.

Grey (Grey Finance)

Foreign accounts in USD, GBP, EUR and USDC with local cash-outs. Holds similar balance and FX-conversion data; integrators often reconcile Grey and Cleva conversions side by side.

Payoneer

Long-standing receiving accounts for freelancers paid by Upwork, Fiverr and direct clients. A common pattern is consolidating Payoneer and Cleva deposit feeds into a single revenue report.

LemFi

Multi-currency accounts and low-cost cross-border transfers for the diaspora. Transfer-status and recipient data line up closely with Cleva's payout flow.

Chipper Cash

Pan-African transfers and a virtual card for online spend. Card-authorization and P2P data overlap with Cleva's, useful for combined spend analytics.

Eversend

Multi-currency wallet, virtual cards and FX for African users. Wallet-balance and card endpoints map neatly onto the same schema we build for Cleva.

Raenest

USD accounts and the Geegpay-adjacent freelancer toolkit. Statement and recipient data are comparable, so a shared export layer covers both.

Fincra

Payments infrastructure with collections, payouts and virtual accounts across Africa. Businesses often pair Fincra's payout API with a Cleva account view for treasury.

Klasha

Cross-border collections and payouts for merchants selling into and out of Africa. Settlement and FX records sit alongside Cleva data in many merchant dashboards.

About us

We are an independent technical-services studio focused on app interface integration and authorized API integration for fintech and adjacent products. Our team has years of hands-on experience in mobile apps and financial technology, spanning protocol analysis, interface refactoring, open-data integration and third-party interface integration. For overseas clients we are familiar with mainstream apps' interface standards and authorization methods across countries, and we deliver compliant, lawful implementations that respect local privacy rules.

• Financial & banking apps — transaction records, statements, balances, transfers
• E-commerce, food-delivery and retail apps — orders, payments, data sync
• Hotel, travel and mobility apps — bookings, itinerary queries, payment verification
• Social, OTT media and dating apps — auth/login, messaging, profile management
• Custom Python / Node.js / Go SDKs, test harnesses and API documentation
• Source-code delivery from $300 — runnable API source and full docs; pay after delivery upon satisfaction
• Pay-per-call API billing — call our hosted endpoints, pay only for what you use, no upfront fee

Contact

For a quote or to submit your target app and requirements, open our contact page. Tell us which Cleva App data you need — balances, statements, recipients, stablecoin events, card authorizations — and whether you want source-code delivery or hosted-API billing.

Contact page

Engagement workflow

1. Scope confirmation — which Cleva App scenarios and endpoints you need (login, balance, statements, payouts, webhooks).
2. Protocol analysis and API design — 2–5 business days, depending on complexity.
3. Build and internal validation — 3–8 business days.
4. Documentation, samples and test cases — 1–2 business days.
5. Handover — typical first delivery 5–15 business days; third-party approvals may extend timelines.

FAQ

What do you need from me to start a Cleva App integration?

How long does delivery take?

How do you handle compliance and privacy for a fintech app?

Do you support both source-code delivery and a hosted API?