Fiwind API integration services — OpenFinance, CVU & investment data

Authorized login & session

Mirror the Fiwind login flow under user authorization: phone/email + OTP, device fingerprint and refresh-token rotation. Our wrapper returns a short-lived bearer so downstream services (CRM, ERP, KYC dashboards) can call other endpoints without touching user credentials.

Transaction history API

Paginated peso, dollar and crypto movements with filters by date range, currency (ARS/USD/BRL/USDC/BTC/ETH), counterparty and operation type (deposit, withdrawal, swap, payment, yield credit). Use it for daily reconciliation, tax filings and anti-fraud checks.

Investment portfolio export

Resolve CEDEAR and ADR holdings into a normalized schema: ISIN/ticker, ratio, average cost, current market price, realized and unrealized P&L. Feeds treasury tools and investor dashboards that previously had to parse PDF statements.

FX & stablecoin ticker

Stream Fiwind’s live buy/sell quotes across ARS/USD, USDC, USDT, BRL and major cryptos. Ideal for treasury teams pricing cross-border invoices, or for building blue-chip MEP vs. crypto-dollar arbitrage monitors.

Pix & international transfers

Capture Pix payments in/out (BRL), ACH and wire legs for USD with IBAN/SWIFT/routing metadata, plus Payoneer, PayPal, Wise and Airbnb inflows. Each record carries a stable external_id so downstream systems can dedupe.

Card & bill payments

Pull the free Fiwind card’s authorizations, Apple Pay / Google Pay tokens, and the 5,000+ bill-payment services (utilities, taxes, mobile top-ups). Useful for personal-finance aggregators and SME expense-management products.

1 · Freelancer & exporter accounting (AR + BR)

Context: Argentine designers and developers receive USD via ACH/Wire from Payoneer, Wise and Airbnb, while Brazilian clients pay in BRL via Pix. Each reconciliation cycle, they manually download PDFs from Fiwind.

Flow: our wrapper calls /transactions with currency=USD,BRL, maps each inflow to an invoice ID, and pushes it into Alegra/Colppy/Xero. The fx.applied_rate is preserved so AFIP reporting uses the effective blue-chip rate, not a theoretical one.

OpenFinance angle: aligns with Decree 353/2025 consent-based data sharing — the user authorizes the exporter’s ERP to read-only their Fiwind movements.

2 · Treasury dashboard for SMEs holding multi-currency

Context: An SME keeps operating cash in ARS (earning daily yield), USD (for suppliers) and USDC (for counterparties outside Argentina). Finance teams need a single view across wallets and counterparties.

Flow: /balances polled every 30 seconds + /fx/quotes delivers a streaming treasury panel; /transactions?type=swap feeds realized-FX P&L charts.

OpenFinance angle: canonical OpenBanking “Account Information Services” pattern, adapted to Argentina’s fintech wallet market.

3 · CEDEAR / ADR portfolio aggregator

Context: Retail investors spread CEDEAR positions across Fiwind and another broker. They want consolidated cost basis and tax lots for year-end filings.

Flow: /investments/holdings + /investments/trades returns ticker, ratio, average cost and executed lots; our normalizer matches CEDEAR ratio to the underlying ADR so aggregators display a single underlying position.

OpenFinance angle: investment-data portability is explicit in CNV (Comisión Nacional de Valores) guidance and expected under BCRA’s forthcoming Open Finance rules.

4 · Expense-management SaaS for SMBs

Context: A team issues free Fiwind cards to employees for travel and operating spend; finance needs per-employee spend, MCC categorization and receipt matching.

Flow: /cards/authorizations webhook pushes real-time swipes (merchant, amount, MCC) into the SaaS; /cards/statements produces end-of-month summaries. Apple Pay / Google Pay tokens are flagged so physical vs digital use is split in analytics.

OpenFinance angle: mirrors PSD2 Article 67 “Card Based Payment Instrument Issuer” coverage test, adapted for Argentine card rails.

5 · Compliance & risk monitoring for crypto flows

Context: A PSAV (Proveedor de Servicios de Activos Virtuales) integrating with Fiwind needs transaction screening, Travel Rule metadata and anomaly alerts on USDC/BTC/ETH movements.

Flow: /crypto/transfers exposes chain, tx hash, counterparty address, amount and fiat equivalent. We wire it into Chainalysis/Elliptic-style scoring and surface risk flags to ops.

OpenFinance angle: supports CNV Resolución General 994/2024 (Virtual Asset Service Provider registry) reporting duties.

Authorized login (OAuth-style wrapper)

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

{
  "credentials_ref": "vault://fiwind/user/42",
  "device_id": "web-desk-01",
  "otp": "394211",
  "scope": ["balances","transactions","investments"]
}

200 OK
{
  "access_token": "eyJ...",
  "refresh_token": "rfw_...",
  "expires_in": 900,
  "cvu": "0000003100091212345678",
  "user_ref": "fiw_42"
}

Statement query — multi-currency

POST /api/v1/fiwind/transactions
Authorization: Bearer <ACCESS_TOKEN>

{
  "cvu": "0000003100091212345678",
  "from_date": "2026-03-01",
  "to_date":   "2026-03-31",
  "currencies": ["ARS","USD","USDC","BRL"],
  "types": ["deposit","withdrawal","swap","payment","yield_credit"],
  "cursor": null,
  "limit": 100
}

200 OK
{
  "items": [
    {
      "id": "fwtx_01J...",
      "ts": "2026-03-14T18:02:11Z",
      "currency": "USD",
      "amount": 250.00,
      "type": "deposit",
      "rail": "ACH",
      "counterparty": {"name":"Payoneer","ref":"PAY-88421"},
      "fx": {"base":"USD","quote":"ARS","applied_rate":1042.55}
    }
  ],
  "next_cursor": "c2Vla19ub19tb3Jl"
}

Investment trades & holdings

GET /api/v1/fiwind/investments/holdings
Authorization: Bearer <ACCESS_TOKEN>

200 OK
[
  {
    "symbol": "AAPL",
    "instrument": "CEDEAR",
    "ratio": "20:1",
    "quantity": 40,
    "avg_cost_ars": 4523.11,
    "market_price_ars": 5110.44,
    "unrealized_pl_ars": 23489.20
  },
  {
    "symbol": "MSFT",
    "instrument": "CEDEAR",
    "ratio": "10:1",
    "quantity": 25,
    "avg_cost_ars": 6210.00,
    "market_price_ars": 6680.00,
    "unrealized_pl_ars": 11750.00
  }
]

Card authorization webhook

POST https://your-app/webhook/fiwind/cards
X-Fiwind-Signature: t=1713799211,v1=ab7f9a...

{
  "event": "card.authorization",
  "card_ref": "fwcd_77",
  "merchant": {"name":"MercadoLibre","mcc":"5999","country":"AR"},
  "amount": {"value": 45990, "currency":"ARS"},
  "wallet": "google_pay",
  "status": "approved",
  "ts": "2026-04-22T13:15:07Z"
}

// Verify signature with HMAC-SHA256(secret, t + "." + body)
// Reject if |now - t| > 300s to prevent replay

Deliverables checklist

• OpenAPI 3.1 spec for all Fiwind-wrapped endpoints
• Protocol & authorization flow report (login, OTP, token refresh, signature scheme)
• Runnable source in Python (FastAPI) and/or Node.js (NestJS), with Docker Compose
• Webhook verification utility (HMAC-SHA256, replay protection)
• Postman collection & integration tests (pytest / Jest)
• Compliance notes mapped to Decree 353/2025, Ley 25.326 and CNV RG 994/2024
• Operational runbook: rate limits, backoff strategy, token rotation, incident response

Engagement models

From $300 Source code delivery — We hand over runnable API source code and full documentation; pay after delivery upon satisfaction.

Pay per call Hosted API — Use our managed endpoints and pay only per successful call; no upfront fee. Ideal for teams that prefer usage-based pricing and ops offload.

Custom engagements available for enterprise, including on-prem deployment, SSO, and bespoke field mapping to ERP/tax pipelines.

About us

We are an independent engineering studio focused on mobile fintech protocol analysis and OpenFinance-style API delivery. Our team has shipped integrations for payment gateways, digital wallets, brokerages and crypto platforms across Latin America, Europe and Southeast Asia, and routinely works under NDA with enterprise clients who need authorized, compliance-ready data pipelines.

• Mobile reverse engineering and authorized protocol analysis (Android + iOS)
• Enterprise API gateways, SSO, and fine-grained consent management
• Custom Python / Node.js / Go SDKs, typed clients, and test harnesses
• End-to-end: scoping → protocol analysis → build → QA → compliance
• Two engagement models: source code delivery from $300, or pay-per-call hosted API

Contact

Send us the target app name (already Fiwind in your case) and the data you need — balances, transactions, investments, Pix flows, or the full stack. We will reply with a scope estimate and a sample payload within one business day.

Open contact page

Engagement workflow

1. Scope confirmation — which Fiwind modules matter (CVU, investments, Pix, cards) and what downstream systems consume the data.
2. Protocol analysis & API design (2–5 business days depending on scope).
3. Build & internal validation (3–8 business days) with sandbox credentials.
4. Docs, Postman collection, and automated tests (1–2 business days).
5. Typical first delivery: 5–15 business days. Longer when multi-region compliance review is required.

FAQ

What do you need from me?

How long does delivery take?

How do you handle compliance?

Can you combine Fiwind with other wallets?