Hishebi Online API integration & expense data export

Deliverables checklist

• OpenAPI 3.1 specification with example requests for every Hishebi Online endpoint we expose
• Protocol and authentication flow report (token issuance, refresh cadence, device fingerprint)
• Runnable source for login, ledger pull, rent-house export and Excel passthrough (Python and Node.js)
• Postman collection plus pytest / Jest harnesses with fixtures from a sandbox account
• Compliance and retention guidance aligned to Bangladesh Bank reform notices and GDPR data-minimization

Engagement options

Source-code delivery starts at $300: you receive a runnable Python or Node.js bundle, full docs and a test plan; you only pay once the bundle works in your environment. The pay-per-call hosted endpoint suits teams that prefer not to operate the wrappers themselves and want a per-request invoice instead of an upfront fee.

Both options keep the same surface area, so a team can prototype with the hosted endpoint and migrate to self-hosted source later without rewriting clients.

Accountant-of-record sync

Independent bookkeepers across Dhaka and Chittagong serve dozens of household and small-shop clients who already log into Hishebi Online daily. The scenario: nightly pull of income, expense and counter entries from each client, mapped into the bookkeeper's chart of accounts, with reconciliation diff posted back as structured notes. Maps to the OpenData "consented data export" pattern.

Microfinance affordability scoring

An NGO assessing a microloan applicant requests a 90-day pull of expense and debt ledgers. With user consent, the integration surfaces averaged monthly spend, recurring debt obligations and savings rate. This mirrors the OpenFinance "data sharing for credit decisioning" pattern used in mature open-banking jurisdictions like the UK and Brazil.

Landlord rent-roll dashboard

The Home Owner's Toolkit holds property, tenant, rent and arrears records. The integration exposes GET /properties, GET /properties/{id}/tenants and GET /properties/{id}/payments, which a rental-management dashboard consolidates across owners. Webhook events fire on rent-paid, late-fee-applied and tenant-changed.

Tax season Excel rollup

Hishebi Online already supports Excel and PDF export per its public materials. The integration wraps that pipeline as a programmatic endpoint, so a tax-prep service can request a fiscal-year file in a single call rather than asking each user to open the app and tap Export.

Household BI for couples and families

Two users running Hishebi Online independently can be merged via a consent-based federation: each user authorizes a read-only token, the integration deduplicates shared expenses and emits a single household ledger to a Looker Studio or Metabase dashboard.

1. Authentication handshake

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

{
  "email": "user@example.com",
  "password": "<hashed>",
  "device_id": "android-9b8c1f",
  "scope": ["ledger.read","property.read","export.read"]
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rt_4f3a...",
  "expires_in": 3600,
  "user_id": "u_28471"
}

2. Ledger pull (income + expense)

GET /api/v1/hishebi/ledger?from=2026-04-01&to=2026-04-30
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "currency": "BDT",
  "entries": [
    {"id":"e_1","kind":"income","amount":42000,"category":"salary","date":"2026-04-05","note":""},
    {"id":"e_2","kind":"expense","amount":1850,"category":"groceries","date":"2026-04-06","note":"Agora"},
    {"id":"e_3","kind":"debt_payment","amount":5000,"counterparty":"Rahim","date":"2026-04-12"}
  ],
  "next_page": null
}

3. Webhook for new entry

POST https://your-app.example/webhooks/hishebi
X-Hishebi-Signature: sha256=...

{
  "event":"entry.created",
  "user_id":"u_28471",
  "entry":{
    "id":"e_88",
    "kind":"expense",
    "amount":320,
    "category":"transport",
    "date":"2026-05-09",
    "source":"counter"
  }
}

// Verify HMAC, dedupe by id, and route to your accounting queue.

Regulatory context

Hishebi Online primarily serves Bangladesh-based users, so integrations should track Bangladesh Bank's 2025-2027 digital finance reform program, which introduces an Inclusive Instant Payment System, formalizes open banking and underpins the new Payment and Settlement Systems Act 2024 alongside the draft E-Money Issuer (EMI) Regulation 2025 and Payment System Operator (PSO) Regulation 2025.

For clients who serve EU users we also map data flows to PSD2 / PSD3 open-banking patterns and apply GDPR-style minimization (only the ledger fields the use case requires are released).

Operational controls

• Explicit user consent screen with revocable scopes (ledger.read, property.read, export.read)
• Per-request audit log retained for 12 months with trace_id for forensic replay
• Encrypted storage at rest (AES-256) and TLS 1.2+ in transit
• Optional region pinning so BDT-denominated user data does not leave South Asian datacenters
• NDA-friendly delivery; no third-party advertising IDs are forwarded

YNAB (You Need A Budget)

Holds zero-based budget allocations, transaction logs and shared-household accounts. Users who run YNAB plus Hishebi Online often want a unified monthly variance view across both ledgers.

Goodbudget

Envelope-budgeting app that tracks pre-allocated category balances. Pairs with Hishebi Online when families want envelope discipline plus the rent-house module.

Spendee

Connects bank accounts, supports shared wallets and emits cashflow analytics. A common consolidation point with Hishebi Online's manual entries.

Wallet by BudgetBakers

Stores recurring transactions, multi-currency balances and PIN-protected ledgers. Frequently exported alongside Hishebi data for expat households.

Money Lover

Popular South-East Asia tracker with debt and savings buckets. Integration parallels Hishebi Online's debt and savings modules closely.

Money Manager (Realbyte)

Double-entry ledger app with Excel export. Often paired with Hishebi Online for users who want both a strict ledger and a rent module.

Rocket Money

Tracks subscriptions and recurring charges; complements Hishebi Online's expense categories with subscription metadata.

PocketGuard

Surfaces "in-my-pocket" disposable income from connected bank feeds. Good downstream consumer of Hishebi Online's expense category totals.

Simplifi by Quicken

Watchlists, savings targets and bank sync. Often the analytics destination for clients piping Hishebi Online ledgers into a US household dashboard.

Hisaab & DeshiFi

South-Asian-focused personal finance apps. They share Hishebi Online's BDT-aware audience and frequently appear in cross-app migration projects.

About us

We are an independent technical service studio focused on mobile-app protocol analysis and authorized API integration. Our engineers come from fintech, payments, microfinance and cloud backgrounds, and have shipped ledger-export integrations for personal-finance, banking and payments apps across South Asia, the Gulf and Europe.

• Personal finance, microfinance and rent-house ledger integrations
• Bangladesh, India, GCC and EU privacy and consent frameworks
• Python, Node.js, Go SDKs plus pytest / Jest test harnesses
• Full pipeline: protocol analysis → wrapper build → consent UX → validation → handover
• Source-code delivery from $300, payable on satisfaction
• Pay-per-call hosted endpoint for teams that prefer usage-based billing

Contact

For quotes, sandbox access or to scope a Hishebi Online integration, open the contact page below. Share the target app, the data scopes you need, and any partner systems (ERP, BI, accountancy) on the receiving end.

Contact page

Engagement workflow

1. Scope confirmation: which Hishebi Online surfaces you need (ledger, rent-house, export, webhook).
2. Protocol analysis and API design (2–5 business days, complexity-dependent).
3. Wrapper build, sandbox validation and consent-UI review (3–8 business days).
4. Docs, OpenAPI spec, sample clients and test cases (1–2 business days).
5. First delivery typically 5–15 business days; partner-side approvals may extend timelines.

FAQ

What data can be extracted from Hishebi Online?

How long does a typical Hishebi Online integration take?

Is the integration compliant with Bangladeshi and regional data rules?

Can rent-house income from the Home Owner's Toolkit be separated from personal expenses?