INOVA Federal Mobile API integration services (US OpenBanking / FDX)

Deliverables checklist

• OpenAPI 3.1 specification covering accounts, transactions, transfers, and card endpoints
• Protocol & auth report describing the mobile session, token rotation, and cookie chain
• Runnable source code in Python and Node.js for login + statement export
• Automated pytest / Jest harness and Postman collection
• Compliance brief covering FDX v6.4 mappings, CFPB Section 1033 alignment, and NCUA member-data hygiene

Engagement pricing

Two ways to buy. Source code delivery starts at $300 and pays after the runnable drop and documentation pass review. The hosted pay-per-call option exposes our maintained endpoints and bills only on successful calls, which suits teams piloting INOVA Federal Mobile data extraction without standing up infrastructure of their own.

1. Member transaction export to accounting software

A small-business member of INOVA Federal needs nightly QuickBooks Online sync. The statement API pulls categorised transactions for the prior 24 hours, normalises them to FDX TransactionList shape, and pushes journal entries via the QBO API. Business owners stop hand-keying receipts; bookkeepers get clean reconciliations.

2. Personal-finance dashboard with cross-bank view

A PFM app aggregates INOVA Federal Mobile alongside other US banks already covered via Plaid. Our integration exposes the same /accounts and /transactions shape so the PFM team only writes one ingestion path. Refresh cadence is tuned (e.g. every 6 hours) to respect rate limits and member-consent windows.

3. Lender pre-qualification using cash-flow underwriting

An auto lender pulls 90 days of INOVA Federal member transaction history with the member's explicit consent. The API returns deposit cadence, NSF flags, and average balance metrics. The lender's underwriter scores the applicant using cash-flow attributes — a use case directly enabled by 2025 partnerships such as Experian + Plaid.

4. Treasury and operations alerts via webhook

Card controls and large-transaction events stream over a webhook to a corporate treasury system. When a card lock or out-of-policy charge fires, downstream Slack/Teams alerts open a triage ticket. The same channel carries mobile deposit posted events to update cash positions in real time.

5. Compliance archive for audit and Section 1033 records

For institutions covered by CFPB Section 1033, the integration writes immutable consent records, every API hit, and exported field sets to object storage. Auditors can replay who consented to what and when, fulfilling the documentation expectations that came with FDX recognition in January 2025.

Auth handshake (pseudocode)

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

{
  "username": "<member_login>",
  "password": "<secure_secret>",
  "device_id": "<persistent_device_uuid>",
  "mfa_token": "<otp_or_push_response>"
}

200 OK
{
  "access_token": "<jwt>",
  "refresh_token": "<opaque>",
  "expires_in": 1800,
  "scope": "accounts.read transactions.read card.control"
}

Statement query (FDX-style)

GET /api/v1/inova/accounts/{accountId}/transactions
  ?fromDate=2026-04-01
  &toDate=2026-04-30
  &type=ALL
Authorization: Bearer <ACCESS_TOKEN>
Accept: application/json

200 OK
{
  "accountId": "1234567890",
  "transactions": [
    {
      "transactionId": "txn_abc123",
      "postedTimestamp": "2026-04-12T14:08:21Z",
      "amount": -42.55,
      "currency": "USD",
      "description": "AMZN MKTP US*ABC",
      "category": "Shopping",
      "memo": "Card ending 4321"
    }
  ],
  "links": { "next": "?cursor=eyJv..." }
}

Card lock webhook (pseudocode)

POST https://your-app.example.com/webhooks/inova
X-Inova-Signature: sha256=<hmac>

{
  "event": "card.locked",
  "occurredAt": "2026-05-10T18:22:01Z",
  "memberRef": "mbr_98765",
  "cardRef": "card_4f2a",
  "source": "member_self_service",
  "reason": "suspected_lost"
}

// Verify signature → enqueue → ack 200 OK fast

Compliance & privacy

All work is performed under documented member consent or against authorized aggregator credentials. Endpoint design aligns with the FDX (Financial Data Exchange) API v6.4 standard and the CFPB's Section 1033 personal financial data rights rule. NCUA member-data expectations are honored through tokenized PANs, field-level minimization, and per-scope tokens. We do not retain raw member credentials after the initial token exchange.

Data flow / architecture

The pipeline is simple by design and easy to audit:

1. Client app (INOVA Federal Mobile) surfaces consent and member sign-in.
2. Ingestion / API layer normalises payloads to FDX-aligned JSON.
3. Storage writes consent records, audit events, and encrypted snapshots to versioned object storage.
4. Analytics / API output exposes downstream feeds to PFM, accounting, or lending products.

About us

OpenFinance Lab is an independent studio focused on fintech and open-data API integration. Our engineers come from US banks, payment processors, mobile-app protocol analysis, and cloud platform teams. We have shipped FDX-aligned and Plaid-compatible integrations across community banks, credit unions, and neo-banks, and we understand what NCUA-supervised institutions expect from third-party access.

• US OpenBanking, credit-union cores, fintech middleware, and aggregator gateways
• Custom Python / Node.js / Go SDKs with retry logic, pagination, and structured errors
• Compliance-first delivery: consent capture, audit trails, scope-bound tokens
• Full pipeline: protocol analysis → API design → build → validation → handoff
• Source code delivery from $300 — runnable API source plus full documentation; pay after delivery upon satisfaction
• Pay-per-call hosted endpoints — usage-based pricing, no upfront infrastructure cost

Contact

To request a quote or scope an INOVA Federal Mobile integration, share the target app, your data scopes, and the consent path you intend to use. We respond within one business day.

Contact page

Engagement workflow

1. Scope confirmation: list of data scopes, consent flow, target deployment environment.
2. Protocol analysis & API design (2–5 business days, complexity-dependent).
3. Build, sandbox validation, and webhook plumbing (3–8 business days).
4. Docs, OpenAPI spec, samples, and test cases (1–2 business days).
5. Typical first delivery: 5–15 business days; third-party approvals may extend timelines.

FAQ

What do you need from me to start an INOVA Federal Mobile integration?

How long does the first INOVA Federal Mobile API drop take?

How do you stay compliant with US open banking rules?

Can you ship runnable code, not just docs?