Budget Genie API integration services (OpenFinance / Plaid / transaction export)

Deliverables checklist

• OpenAPI 3.1 / Swagger specification for every wrapped endpoint
• Protocol and auth flow report (token issuance, refresh, device-binding, Plaid link-token handoff)
• Runnable source for login, transactions, budgets, and subscriptions APIs in Python and Node.js
• Postman collection, pytest / Jest test suites, and load-test profiles
• Compliance guidance: user consent logs, data-minimization policy, PSD2/GDPR/CCPA alignment notes
• Optional hosted API with per-call billing and SLA

Feature modules

• Authorization module — email/social sign-in mirroring, token refresh, session keep-alive for long-running sync jobs.
• Transactions module — paginated, filterable by date range, category, account, and merchant; export to JSON, CSV, Excel, and PDF.
• Budgets module — create/read/update daily, weekly, monthly, and yearly limits per category and per linked account.
• Subscriptions module — list detected recurring charges with frequency, next billing date, and cancellation hints.
• Balances & goals module — linked-account balances, credit limits, and progress toward savings goals.
• Webhooks module — push notifications for new transactions, overspend alerts, and newly detected subscriptions.

Engagement options

Two straightforward engagement models keep pricing predictable:

• Source-code delivery from $300 — we ship runnable API source, OpenAPI docs, and test plans; you pay after delivery upon satisfaction.
• Pay-per-call hosted API — we host the integration, you call our endpoints and pay per request; no upfront fee, ideal for pilots and usage-based workloads.

1. Accounting & tax export pipeline

Business context: Freelancers and small-business owners use Budget Genie for personal spend but need a clean feed into accounting software (QuickBooks, Xero, FreshBooks).

Data / API: GET /transactions with a date range, GET /categories for mapping, and a webhook on transaction.created.

OpenFinance mapping: Translates app categories into PSD2-style merchant classifications so the feed looks like a standard Account Information Service (AIS) response.

2. Neobank onboarding & affordability check

Business context: A neobank wants to pre-score applicants using 12 months of categorized spend without a full credit pull.

Data / API: User-consented GET /statement?from=...&to=... plus GET /budgets and GET /accounts/balances.

OpenFinance mapping: Follows OpenBanking UK AISP data-minimization rules; the API returns only aggregated totals + category histograms when full-statement consent is not given.

3. Subscription audit & cancellation assistant

Business context: A consumer fintech (e.g. similar to Rocket Money or Bobby) wants to surface Budget Genie’s detected recurring charges and help users cancel.

Data / API: GET /subscriptions, POST /subscriptions/{id}/flag, and a webhook on subscription.detected.

OpenFinance mapping: Fits into the broader OpenData pattern of exposing merchant-level recurring billing data to third-party service-switching tools.

4. Couples / household budgeting dashboard

Business context: A multi-user budgeting app (think Monarch or Honeydue style) merges two Budget Genie accounts into one family view.

Data / API: Per-user OAuth tokens, GET /budgets, GET /goals, and a merge layer that reconciles shared categories.

OpenFinance mapping: Consent is scoped per individual; shared aggregates never leak raw counter-party detail without both users’ re-consent.

5. Wealth & coaching BI pipeline

Business context: A financial coach or robo-advisor ingests anonymized spend patterns to benchmark clients and build savings plans.

Data / API: Nightly pull from GET /insights?granularity=monthly, plus delta-based GET /transactions?since=... for freshness.

OpenFinance mapping: Data is pseudonymized at the API boundary; only category-level aggregates reach the analytics lake, keeping GDPR/CCPA scope tight.

Authorization handshake (pseudocode)

POST /api/v1/budgetgenie/auth/token
Content-Type: application/json

{
  "grant_type": "password",
  "email": "user@example.com",
  "password": "<hashed>",
  "device_id": "ios-9F3C...",
  "client_id": "integration-studio"
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rft_2x9...",
  "expires_in": 3600,
  "user_id": "usr_01HX..."
}

Transaction statement query

GET /api/v1/budgetgenie/transactions
  ?from=2025-03-01
  &to=2025-03-31
  &account_id=plaid_acc_482
  &category=groceries,dining
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "items": [
    {
      "id": "txn_01J...",
      "date": "2025-03-14",
      "amount": -42.17,
      "currency": "USD",
      "merchant": "Whole Foods Market",
      "category": "groceries",
      "account_id": "plaid_acc_482",
      "source": "plaid_sync"
    }
  ],
  "next_cursor": "eyJvZmZz..."
}

Overspend webhook (server → your endpoint)

POST https://your-app.com/hooks/budgetgenie
X-Signature: sha256=9d4f...
Content-Type: application/json

{
  "event": "budget.overspent",
  "occurred_at": "2025-04-11T18:22:05Z",
  "user_id": "usr_01HX...",
  "budget": {
    "id": "bgt_7712",
    "category": "entertainment",
    "period": "monthly",
    "cap": 120.00,
    "spent": 137.40
  }
}

// Error handling:
// 401 invalid_signature  -> rotate webhook secret
// 409 stale_event        -> drop duplicate delivery
// 5xx                    -> exponential retry up to 24h

Compliance & privacy

Because Budget Genie sits on the Plaid rails and serves users in the US, EU, and UK, any wrapper must respect multiple overlapping regimes. Every integration we ship includes a compliance note covering: PSD2 / Open Banking UK (AIS consent, 90-day re-authentication, TPP-style logging), GDPR (lawful basis, right-to-erasure endpoints, data minimization), CCPA/CPRA (do-not-sell flags and opt-out APIs for California users), and Plaid’s developer terms (no redistribution of raw bank credentials, token-only access).

We never package scraping of a user’s bank login. All flows go through authorized tokens, user-consented Plaid link sessions, or the app’s documented sign-in. Consent receipts and retention windows are configurable per-endpoint so you can satisfy your DPO without reworking the integration.

Data flow / architecture

A typical deployment follows four nodes:

• Client app / mobile SDK — captures the user consent and obtains a Budget Genie access token.
• Ingestion API — our wrapper calls the app’s protocol, normalizes payloads, and enforces rate limits.
• Storage layer — encrypted Postgres for structured records, S3/GCS for bulk Excel/PDF exports, short TTLs by default.
• Analytics / downstream API — your BI warehouse, neobank core, or customer-facing dashboard consumes clean OpenFinance-shaped JSON.

About us

We are an independent technical studio focused on App interface integration and authorized API integration. Our engineers have hands-on backgrounds in mobile apps, payment systems, OpenBanking (Plaid, Tink, Yapily, TrueLayer), and fintech compliance. We deliver protocol analysis, interface refactoring, OpenData integration, third-party interface integration, automated data scripting, and API documentation as a one-stop service.

• Financial & banking apps — transactions, statements, balances
• E-commerce, food delivery, and retail — order and payment integration
• Travel, hotel, and mobility — bookings and itinerary APIs
• Social, OTT, and dating — auth, messaging, and profile APIs
• Source code delivery from $300 — pay after delivery upon satisfaction
• Pay-per-call hosted API — usage-based pricing, zero upfront cost

Contact

Send us the target app (Budget Genie, here) plus your concrete requirements — transaction export, subscription feed, budget sync, or a custom scenario — and we will scope the integration within one business day.

Contact page

Engagement workflow

1. Scope confirmation: which Budget Genie data (transactions, budgets, subscriptions, balances) you need and at what frequency.
2. Protocol analysis & API design (2–5 business days, complexity-dependent).
3. Build & internal validation (3–8 business days) with automated regression tests.
4. Docs, Postman collection, and sample clients (1–2 business days).
5. Typical first delivery: 5–15 business days; Plaid or regulatory reviews may extend timelines.

FAQ

What do you need from me?

How long does delivery take?

How do you handle compliance?

Do you resell Plaid credentials?