Kredete API integration services (USDC / OpenFinance)

Deliverables checklist

• OpenAPI 3.1 specification for every implemented endpoint
• Protocol and auth flow report (OAuth 2.0 bearer tokens, refresh, device binding, mTLS where present)
• Runnable source for login, balance, statement, transfer and webhook receiver in Python and Node.js
• Postman collection plus pytest / Jest contract tests
• Compliance brief covering KYC artefact handling, sanctions screening hooks and data-retention defaults
• Runbook for sandbox onboarding and production cut-over

Engagement model

Pick the model that matches your team. Source-code delivery starts at $300 and ships a runnable repo plus documentation; payment is made after delivery once you confirm the build works against your test cases. Pay-per-call billing routes traffic through our hosted endpoint with no upfront cost; you pay only for successful invocations and can cap monthly spend in the dashboard.

1. Diaspora payroll & bulk payouts

A North-American payroll provider with African contractors uses the Kredete-style Network API to push bulk USD payouts that settle as USDC and land as local currency in 30+ African corridors. Each payout returns a structured payload with FX rate, settlement timestamp and partner reference, mapped to the OpenBanking PISP "payment status" model so the payroll provider can post one journal entry per cycle.

2. Credit-data ingestion for diaspora lenders

A neobank serving immigrants ingests Kredete credit-build events to enrich its own underwriting model. Each on-time remittance furnished to the US bureaus is delivered through a webhook with tradeline ID and reporting date, then joined against the lender's risk model so a thin-file applicant can be approved on observed payment behaviour rather than a single FICO snapshot.

3. Treasury & yield reporting for fintech back office

A treasury team needs daily P&L on idle USD swept into USDC yield products via OpenTrade. The integration pulls the daily yield-accrual feed, the underlying T-bill basket reference and per-customer attribution, then produces a CSV that feeds NetSuite or QuickBooks; this maps cleanly to the OpenFinance "savings account interest" data class.

4. Card programme reconciliation

A merchant analytics tool reconciles Kredete stablecoin-backed Visa card transactions across 41+ African markets. The integration exposes MCC, merchant name, currency, FX margin and 3DS authentication outcome, then matches each authorisation against the issuer's settlement file so the tool can build a per-merchant dispute-ratio dashboard.

5. Compliance feed for sanctions and KYC

A compliance platform consumes a near-real-time feed of new beneficiaries, sanctions screening outcomes, KYC document refresh events and high-value transfer alerts. Records map to the OpenBanking "consent + payment" pair so audit trails preserve the consent that authorised each cross-border movement, supporting BSA/AML reviews and FCA inspection requests.

1. OAuth 2.0 token exchange

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

{
  "grant_type": "authorization_code",
  "client_id": "ofl_partner_xxx",
  "code": "AUTH_CODE_FROM_REDIRECT",
  "redirect_uri": "https://partner.example.com/cb",
  "code_verifier": "PKCE_VERIFIER"
}

200 OK
{
  "access_token": "ey...",
  "refresh_token": "ey...",
  "token_type": "Bearer",
  "expires_in": 3600,
  "scope": "balances:read transfers:write credit-events:read"
}

2. Statement export (USD & EUR)

POST /api/v1/kredete/statement
Authorization: Bearer <ACCESS_TOKEN>

{
  "account_id": "acct_usd_01HX...",
  "currency": "USD",
  "from_date": "2026-04-01",
  "to_date":   "2026-04-30",
  "include":  ["transfers","card","yield","fees"]
}

200 OK
{
  "items": [
    {"id":"txn_01HZ","kind":"send","amount":"-250.00","ccy":"USD",
     "fx":{"src":"USD","dst":"NGN","rate":"1632.41"},
     "usdc_tx":"0xab12...","status":"settled"},
    {"id":"txn_01HZ2","kind":"yield","amount":"+0.41","ccy":"USD",
     "apy_band":"5.1%","ref":"opentrade_tbill_basket_2"}
  ],
  "next_cursor": null
}

3. Transfer-status webhook

POST https://partner.example.com/webhooks/kredete
X-Signature: t=1714780800,v1=...
Content-Type: application/json

{
  "event": "transfer.settled",
  "id": "evt_01HZA...",
  "data": {
    "transfer_id": "tr_01HZ9...",
    "corridor": "US-NG",
    "payout_method": "bank",
    "partner_ref": "FBN-998877",
    "credit_build_furnished": true,
    "settled_at": "2026-05-03T08:14:22Z"
  }
}

# Verify HMAC, idempotency-key on transfer_id, ack 200 within 5s

4. Card transaction reconciliation

GET /api/v1/cards/{card_id}/transactions
  ?from=2026-04-01&to=2026-04-30&status=cleared
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "items":[{
    "auth_id":"auth_01HZB...",
    "merchant":"PICK N PAY LAGOS",
    "mcc":"5411",
    "amount":"-42.30","ccy":"USD",
    "presentment":{"amount":"-69050","ccy":"NGN"},
    "fx_margin_bps": 180,
    "tds_3ds": "frictionless",
    "rewards_points": 42
  }]
}

Regulatory alignment

Cross-border flows are scoped against the US FinCEN Bank Secrecy Act, OFAC sanctions screening, EU PSD2 and GDPR Article 6/9, UK FCA payment-services rules and the Nigerian NDPA 2023. Card programmes inherit PCI-DSS scope from the issuing partner; we deliver tokenised data and never store PAN or CVV on the integration layer.

For credit-bureau furnishing we follow the US Fair Credit Reporting Act (FCRA) data-furnisher obligations: dispute handling, accuracy attestations and metro-2 compatible record formats. Consent records are kept in an append-only ledger so partners can produce audit evidence on demand.

Privacy controls in the build

• Field-level encryption for KYC documents and tax IDs
• Default minimisation: hash beneficiary phone numbers when downstream only needs uniqueness
• Webhook payloads carry IDs only; sensitive fields require an authenticated lookup
• Configurable retention windows that align with the partner's local regulator
• Audit logs that capture the consent ID behind every API call

Remitly

One of the largest US-listed remittance apps, with broad corridor coverage to Africa, Asia and Latin America. Users who hold both Remitly and Kredete accounts often need a unified transfer export keyed by beneficiary so accounting tools see a single ledger.

Wise (formerly TransferWise)

Known for its multi-currency account, mid-market FX and developer-friendly Wise Platform API. Integrators use Wise as a baseline for what good fee transparency and balance JSON should look like when normalising data across providers.

Sendwave

A mobile-first remitter strong in US/UK/EU corridors to Africa, with mobile-money payouts via providers such as M-Pesa. Overlap with Kredete is common at the beneficiary level, so deduplication is a routine integration task.

WorldRemit (Zepz)

Operates a wide payout footprint including bank deposits, cash pickup and mobile airtime. Partners moving customer-level data into ERP systems frequently need a normalised "payout method" enum across WorldRemit and Kredete.

LemFi

Targets African and Asian diaspora users from North America and the UK, with multi-currency accounts and contractor payouts. Shares Kredete's "send + neobank" structure, which makes side-by-side balance reconciliation a frequent partner ask.

Afriex

Stablecoin-native remittance corridors between the US and Africa with low FX margins. Like Kredete it surfaces USDC settlement data, so blockchain-analytics customers often consume both feeds for treasury attestation.

Chipper Cash

Pan-African P2P payments and intra-Africa transfers, plus a card programme. Beneficiary lookups frequently span Chipper and Kredete, so identifier mapping (phone, email, internal user ID) is part of any joint integration.

Eversend

Multi-currency wallet, virtual card and remittances aimed at Africa and Europe. Eversend exposes a public developer API, which sets a useful comparison point for what self-serve documentation looks like in the same niche.

TransferGo

European-headquartered, focused on EU-to-rest-of-world corridors with a strong UK and CEE presence. Integrators consuming both TransferGo and Kredete usually need a single FX-rate table to power one cross-corridor analytics dashboard.

MoneyGram

Long-established remitter with a global cash-pickup network and a stablecoin pilot via Stellar/USDC. Where Kredete provides a digital-first alternative, MoneyGram's cash pickup remains complementary in markets with low bank-account penetration.

About us

OpenFinance Lab is an independent studio focused on fintech and open-data API integration for global clients. Our engineers come from banks, payment gateways, mobile-protocol analysis and cloud platforms, and we deliver compliant, runnable code rather than slide decks.

• Cross-border payments, neobanking, stablecoin rails and credit-bureau furnishing
• Enterprise API gateways, threat modelling and security review
• Custom Python, Node.js, Go and Kotlin SDKs and test harnesses
• Full pipeline from protocol analysis through validation and compliance
• Source-code delivery from $300 — receive runnable API source code and full documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — access our hosted API and pay only per call, no upfront cost; ideal for teams that prefer usage-based pricing

Contact

For quotes or to submit your target app and requirements, open our contact page:

Contact page

We respond within one business day. NDAs are signed before any sensitive material is shared.

Engagement workflow

1. Scope confirmation: integration scenarios and API needs (login, balances, transfers, USDC, credit events, cards).
2. Protocol analysis and API design (2–5 business days, complexity-dependent).
3. Build and internal validation (3–8 business days), with daily progress updates.
4. Documentation, sample apps and contract tests (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 scope a Kredete integration?

How long does delivery take for a Kredete-style remittance integration?

How do you handle compliance for cross-border and credit-bureau data?

Can you build a Kredete-style stablecoin remittance flow without using Kredete itself?