Connect Flèche Prêt Pro loan accounts, repayment schedules, and KYC data to your stack
Flèche Prêt Pro (package com.litter.independent.party, branded internationally as Arrow Loan Pro) is a consumer-lending Android app operating in Côte d'Ivoire and surrounding UEMOA markets. It issues short-term personal loans between 30,000 and 500,000 XOF with 3–24-month terms and an effective APR between 3.5% and 12%. Behind that simple consumer flow sits a rich set of structured records — loan applications, KYC fields, amortization schedules, late-fee accruals, disbursement events, and mobile-money settlement notifications — that downstream lenders, accounting systems, and risk engines often need to consume programmatically.
Data available for integration
The table below maps the structured records that Flèche Prêt Pro exposes through its app screens to the integration surface our team typically delivers. Granularity reflects what the app stores per user; the typical-use column points to where partners most often plug the data in.
| Data type | Source (screen / feature) | Granularity | Typical use |
|---|---|---|---|
| Loan application | Application form, status screen | Per application: amount, term, channel, status timeline | Broker CRM sync, decisioning, conversion analytics |
| KYC fields | Registration, identity step | Per user: phone, age bracket, residency flag, employment | Risk scoring, fraud control, regulator reporting |
| Repayment schedule | Loan detail screen | Per instalment: due date, principal, interest, late-fee accrual | Ledger sync, dunning, ERP reconciliation |
| Disbursement events | Wallet / payout screen | Per disbursement: amount XOF, rail, reference, timestamp | Treasury, cash-flow forecast, tax filing |
| Statement / history | History tab | Per transaction: type, amount, balance, channel | Customer statements, exports, audit logs |
| Late-fee snapshot | Overdue panel | Daily rate 0.1%, principal cap 18%, days past due | Collections, loss provisioning, compliance reports |
Typical integration scenarios
1) Loan-book mirror for treasury
A microfinance group operating across Côte d'Ivoire, Senegal, and Mali needs a single XOF loan-book view. We mirror Flèche Prêt Pro's loan-application and repayment-schedule endpoints into a nightly Parquet drop in S3. The OpenData angle: each row keeps the original app field names, so partner BI tools can join on application_id without an ETL rewrite.
2) Repayment reconciliation across mobile-money rails
Repayments arrive on Orange Money, MTN MoMo, Moov, or Wave. We map each rail's callback to one canonical repayment.settled event and post to a partner webhook. This mirrors the OpenBanking pattern that the BCEAO PI-SPI interoperable rail is pushing across UEMOA from 2025.
3) Risk model feature pipeline
An external risk engine wants late-fee accruals and days-past-due per loan, daily. We expose a /risk/snapshot endpoint that returns each active loan with principal, accrued interest, late-fee balance, and DPD bucket — directly feeding a Spark / dbt feature store.
4) Regulator reporting helper
For ARTCI personal-data audits and BCEAO returns, we generate a redacted statement export that strips KYC PII while preserving aggregate flows. The endpoint returns deterministic hashes per borrower so longitudinal cohort analysis still works.
5) Customer-portal embed
A partner financial wellness portal embeds Flèche Prêt Pro loan summaries alongside the borrower's other obligations. We expose a read-only /loans/summary endpoint behind delegated OAuth so users only see their own data.
Technical implementation
The samples below show the shape of the deliverables. Real endpoints, headers, and signature schemes are scoped per engagement after protocol analysis; the snippets here illustrate the contract style we ship in the OpenAPI specification.
Authentication (phone-bound OAuth)
POST /api/v1/flechepretpro/auth/login
Content-Type: application/json
{
"phone": "+22507XXXXXXXX",
"device_id": "uuid-...",
"otp_code": "634210"
}
200 OK
{
"access_token": "eyJhbGciOi...",
"refresh_token": "rt_...",
"expires_in": 3600,
"scope": "loans.read statements.read kyc.read"
}
Statement / repayment export
POST /api/v1/flechepretpro/statement
Authorization: Bearer <ACCESS_TOKEN>
{
"borrower_id": "B-9182374",
"from_date": "2026-02-01",
"to_date": "2026-04-30",
"currency": "XOF",
"include": ["disbursements", "instalments", "late_fees"]
}
200 OK
{
"rows": [
{"date":"2026-02-15","type":"DISBURSE","amount":300000,"rail":"OM"},
{"date":"2026-03-15","type":"INSTAL","principal":24000,"interest":290,"late_fee":0},
{"date":"2026-04-15","type":"INSTAL","principal":24000,"interest":278,"late_fee":24}
],
"totals": {"disbursed":300000,"repaid":48592,"outstanding":255000}
}
Repayment webhook (PI-SPI normalized)
POST https://partner.example.com/hooks/flechepretpro
X-Signature: t=1715300000,v1=...
{
"event": "repayment.settled",
"loan_id": "L-44A02",
"amount": 24290,
"currency": "XOF",
"rail": "PI-SPI",
"source": "MTN-MOMO",
"settled_at":"2026-05-09T10:11:32Z"
}
// On 4xx or signature failure we retry with exponential
// backoff up to 6 times, then mark the event dead-lettered.
Compliance & privacy
Regulatory alignment
Flèche Prêt Pro operates inside the UEMOA monetary zone, so payment-side flows fall under the BCEAO (Central Bank of West African States) instructions on payment services and the new PI-SPI interoperable instant-payment platform launched on 30 September 2025. Personal-data handling for borrowers in Côte d'Ivoire is governed by Law 2013-450 enforced by ARTCI, the national data-protection authority. Our delivery includes consent capture, processing-purpose declarations, and a retention policy aligned with these regimes.
Data-minimization defaults
We treat KYC fields (phone, age, residency, employment status) as restricted and ship them only when the partner contract calls for them. For analytics workloads we default to hashed borrower IDs and aggregate buckets so cohort metrics remain useful without re-exporting personal data. NDAs, data-processing addenda, and a sub-processor list are available before any test traffic flows.
Data flow & architecture
The pipeline is intentionally simple, so each node can be replaced without rewriting the rest:
- Client App / authorized user session → tokens are minted from the borrower's own login on Flèche Prêt Pro.
- Ingestion API gateway → normalizes responses, signs them, applies rate limits, and writes audit logs.
- Encrypted storage → Postgres for hot loan rows, S3 (or compatible) for cold statement exports, both KMS-encrypted at rest.
- Outbound layer → REST endpoints, webhooks (signed HMAC), and on-demand CSV / Parquet drops for batch consumers.
Market positioning & user profile
Flèche Prêt Pro targets adult borrowers (20–65, fixed income) in Côte d'Ivoire and reaches the wider French-speaking UEMOA corridor via the same Android package. Primary users are salaried staff and small-trader households who need a short-term cash buffer between paychecks and prefer mobile-first onboarding over a branch visit. Distribution is overwhelmingly Android via Google Play, with disbursement and repayment flowing through Orange Money, MTN MoMo, Moov Africa, and Wave — the four rails that dominate consumer mobile money in the region. This profile makes the app a natural OpenFinance source for any partner building cross-rail dashboards, alternative-credit scoring models, or compliant remittance-plus-credit products in West Africa.
Screenshots
Click any thumbnail to view the full screenshot.
Similar apps & integration landscape
Teams that integrate Flèche Prêt Pro often also need data from neighbouring consumer-lending and microfinance apps in the same UEMOA corridor. The list below is part of the broader ecosystem we cover; mention it here as reference, not as a ranking.
CI Money
A Côte d'Ivoire online-loan app issuing personal loans up to 1,000,000 XOF with mobile-wallet or bank-account disbursement. Partners often want a unified disbursement-event feed across CI Money and Flèche Prêt Pro for treasury views.
Prêt Facile Côte d'Ivoire
A short-term loan app distributed on Google Play in the same target market. Integration use cases mirror Flèche Prêt Pro: borrower-side loan summaries and repayment-schedule exports.
Fontaine Cash
Loan amounts from 10,000 to 500,000 XOF with 3–12-month terms and APR up to 34%. Useful as a cross-app rate benchmark in the same data warehouse.
Pretci
An Ivorian online-lending platform aimed at simplifying traditional loan processes. Partners often join Pretci application data with Flèche Prêt Pro records to deduplicate borrowers and surface co-borrowing patterns.
Monfinzen
A fast online cash-loan service in Côte d'Ivoire. The integration angle is the same disbursement / repayment event normalization we ship for Flèche Prêt Pro.
Joli Prêt
A consumer-loan Android app present in the same Google Play category. Co-existence in one warehouse helps risk teams build cross-app DPD features.
Crédit Rapide
A loan app focused on quick approval. Teams who consume it alongside Flèche Prêt Pro usually want a single statement-export endpoint shape so downstream BI does not branch per source.
Prêt Shell
A 24/7 cash-loan service operating in Côte d'Ivoire. Useful as another XOF source in the same canonical schema for portfolio analytics.
Advans Côte d'Ivoire
A regulated microfinance institution offering SME, women-entrepreneur, and digital "Chap Chap" credit via USSD *9170#. Integration interest is mostly on the consolidated reporting side.
Baobab Microfinance
Offers credit from 100,000 XOF upward for individuals and SMEs. Mentioned here because partner banks frequently want one ETL surface across Baobab loans and consumer apps like Flèche Prêt Pro.
What we deliver
Deliverables checklist
- OpenAPI 3.1 specification covering auth, loans, statements, webhooks
- Protocol & auth-flow report (OAuth / token refresh / device binding)
- Runnable source for login, statement, and repayment endpoints (Python + Node.js)
- Automated tests (golden-path and edge cases such as late-fee cap)
- Compliance pack: BCEAO PI-SPI mapping, ARTCI consent template, retention policy
- Postman collection and sandbox-token guide
About our studio
OpenFinance Lab is an independent technical studio focused on App protocol analysis, authorized API integration, and OpenData / OpenFinance / OpenBanking delivery. Our team mixes engineers from West-African mobile-money platforms, European OpenBanking aggregators, and cloud-security practices, so we can ship a fintech integration end to end — analysis, build, validation, and compliance review — under one engagement.
- Source-code delivery from $300 — runnable API source plus documentation; pay after delivery upon satisfaction.
- Pay-per-call API billing — access our hosted endpoints and pay only per call, no upfront cost.
- Android + iOS coverage, multi-region privacy frameworks, NDAs on request.
Contact
For quotes or to submit your target app and requirements, please open our contact page. We typically respond within one business day with a scoping form and an indicative timeline.
Engagement workflow
- Scope confirmation: app, package ID, data scope, target rails.
- Protocol analysis & API design (2–5 business days).
- Build and internal validation against sandbox data (3–8 business days).
- Docs, samples, test cases, and acceptance demo (1–2 business days).
- Typical first delivery: 5–15 business days; PI-SPI or multi-rail extensions may add 3–7 days.
FAQ
What do you need from me to start a Flèche Prêt Pro integration?
The target app name (Flèche Prêt Pro, package com.litter.independent.party), the data scope you need (loan applications, repayment schedules, statements, KYC fields), and any sandbox credentials or merchant tokens you already hold. If you do not have credentials, we can scope a documented public-API path or an authorized-user mirror approach.
How long does a Flèche Prêt Pro API delivery take?
Typical first delivery is 5–12 business days for login, statement, and repayment endpoints plus documentation. Cross-rail flows such as Orange Money or MTN MoMo settlement reconciliation can extend the timeline by 3–7 days.
How do you handle BCEAO and ARTCI compliance for loan data?
We only consume authorized or documented public APIs, retain consent records, apply data minimization to KYC fields, and align the flow with BCEAO payment-services instructions and ARTCI personal-data rules in Côte d'Ivoire. NDAs and data-processing addenda are available on request.
Can the integration cover the new BCEAO PI-SPI interoperable rail?
Yes. Settlement webhooks and repayment notifications can be normalized for the BCEAO PI-SPI Interoperable Instant Payment System launched in 2025, so disbursement and collection events flow into your ledger regardless of the originating mobile-money or bank rail.
📱 Original app overview (appendix)
Flèche Prêt Pro — marketed internationally as Arrow Loan Pro — is a mobile lending app aimed at Ivorian borrowers who need short-term personal credit and prefer onboarding on a phone instead of a branch.
- Eligibility: legal resident, between 20 and 65 years old, with a fixed income.
- Loan amounts: 30,000 XOF to 500,000 XOF.
- Terms: 3 to 24 months.
- APR (effective): 3.5% to 12%.
- Late fees: up to 0.1% per day, capped at 18% of the principal amount overdue.
- Hidden fees: none disclosed beyond the published APR and late-fee schedule.
Worked example. A 30,000 XOF loan at 12% APR for 120 days yields interest of 30,000 × 12% / 365 × 120 = 1,183.56 XOF. Total cost of the loan: 1,183.56 XOF. Amount disbursed: 30,000 XOF. Total repayable: 31,183.56 XOF.
How to apply: install the app, register with a personal phone number, complete the loan application form, wait for the credit decision, and accept disbursement of the personal loan.
Contact (publisher). Email: flechepretpro@flechepretpro.com · Address: 825F+9VQ, Abidjan · Office hours: Monday to Saturday, 8:30 a.m.–5:00 p.m.
This page is a third-party technical integration positioning. Flèche Prêt Pro is operated by its respective publisher; we are not affiliated.