Morse (formerly Sling Money) API integration services

Deliverables checklist

• OpenAPI 3.1 specification for every endpoint we expose
• Protocol & auth flow report (mobile client capture, token rotation, device binding)
• Runnable Python and Node.js source code for login, balance, statement and webhook ingestion
• Postman collection, recorded fixtures, and end-to-end pytest / vitest suites
• Compliance notes covering GDPR, PSD2 SCA, MiCA, and self-custody key handling

Engagement models

• Source-code delivery from $300 — runnable API source plus full documentation, paid after acceptance.
• Pay-per-call hosted API — call our endpoints, pay only for what you use, no upfront fee.
• Optional white-label deployment inside your VPC for treasury teams that cannot route data through a third party.

1. Freelancer payroll reconciliation

A platform that pays remote contractors via Deel or Upwork wants to confirm that an outgoing wire actually landed in the contractor's Morse virtual USD account. We subscribe to the inbound credit webhook, match the originator name and amount against the payroll batch, and emit a settled status back into the platform. The OpenFinance mapping here is a payment status notification (PSP-side confirmation) layered on top of an account information service, so the platform replaces fragile email parsing with deterministic events.

2. Cross-border treasury aggregation

A digital nomad or small studio holds Morse alongside Wise, Revolut, and a local bank. We fetch the Morse balance per currency every five minutes and push it into a single multi-bank treasury view. The integration follows the OpenBanking AISP pattern: account holder grants explicit consent, the consent token is rotated under PSD2 SCA, and only balance plus transaction projections leave the device.

3. Stablecoin proof-of-funds and on-chain audit

Because Morse settles on Solana with USDC, EURC and USDP, every customer move has a chain signature. We correlate the off-chain Morse activity row with the on-chain transfer, expose both fields, and feed downstream tools such as Solana explorers or commercial blockchain analytics. This is the missing bridge between fiat-style statement export and crypto compliance reports.

4. Card spend analytics for digital nomads

Visa card authorisations carry MCC, merchant, billing currency and the FX rate Morse used. We normalise that into a categorised feed (subscriptions, travel, food) and expose monthly cashback summaries through a single GET. Tax software for expats can plug straight into this rather than scraping PDF statements.

5. Outbound remittance corridor reporting

Compliance teams need to prove the originator, beneficiary, corridor and FX cost of every cross-border send. Our outbound transfer feed exposes the full corridor (e.g. USD → MXN via Mexican local rails, USD → BRL via Pix), the mid-market rate at execution, and the final landed amount, ready to feed an AML case-management system.

Authorize a session (mirrors the mobile login)

POST /v1/morse/session
Content-Type: application/json

{
  "phone": "+1 415 555 0142",
  "device_fingerprint": "ios|18.4|f3c2...",
  "otp_channel": "sms"
}

// 200 OK
{
  "session_id": "ms_sess_01HZK2...",
  "step": "otp_required",
  "expires_in": 300
}

Multi-currency balance + statement

GET /v1/morse/balances
Authorization: Bearer <ACCESS_TOKEN>

// 200 OK
{
  "balances": [
    {"currency":"USD","amount":"1284.50","virtual_account":"ACH"},
    {"currency":"EUR","amount":"612.10","virtual_account":"IBAN"},
    {"currency":"MXN","amount":"5400.00"},
    {"currency":"USDC","amount":"42.000000","chain":"solana"}
  ]
}

GET /v1/morse/statement?from=2026-04-01&to=2026-04-30&type=card
Authorization: Bearer <ACCESS_TOKEN>

Inbound virtual-account webhook

POST https://your.app/webhooks/morse
X-Morse-Signature: t=1746284400,v1=...

{
  "event":"virtual_account.credit",
  "user_id":"u_8a2f...",
  "rail":"ach",
  "originator":"DEEL INC",
  "amount":"2500.00",
  "currency":"USD",
  "received_at":"2026-05-03T14:02:11Z",
  "onchain_tx":"5kQv...usdc"
}

Regulatory framing

Morse operates inside an actively regulated perimeter. Avian Labs Netherlands B.V. became the fifth Dutch firm to obtain a MiCA license in 2025, and the company subsequently received FCA approval to offer crypto-asset services in the UK. Any integration we deliver is built to respect MiCA, GDPR, and PSD2 Strong Customer Authentication.

What we will and will not do

• Only act on explicit user consent or written customer authorization.
• Never extract self-custody private keys; signing stays on-device.
• Apply data minimisation: ship only the fields the consumer asked for.
• Log every read with a consent reference for downstream audit.
• Sign NDAs and DPAs on request, including SCC for cross-border data flows.

Wise

Multi-currency account with local routing details, mid-market FX, and a public business API. Users moving between Wise and Morse often need a single transaction export normalised into one ledger.

Revolut

Mobile-first multi-currency account with cards, savings vaults and crypto. Holders frequently want a consolidated balance feed across Revolut and Morse for personal CFO dashboards.

Remitly

Remittance specialist covering 145+ countries with cash pickup and mobile wallet payouts. Useful comparator when modelling corridor cost against Morse outbound transfers.

Payoneer

Long-running freelancer and marketplace payout platform. Sellers on Amazon, Upwork, Fiverr and Airbnb often hold both Payoneer and Morse balances that need joint reconciliation.

Airwallex

Multi-currency business account across 200 countries with a developer API. Treasury teams comparing rails for B2B payouts often look at Airwallex alongside Morse for individual contributors.

WorldFirst

Ant Group's cross-border business account with local currencies for marketplace sellers. Common alternative when modelling EUR / USD inbound flows similar to Morse virtual accounts.

WorldRemit

UK-founded remittance provider with strong African, Latin American and Southeast Asian coverage. Helpful corridor reference data when planning Morse send-flow integrations.

Skrill

Digital wallet with multi-currency holding, prepaid Visa and 200-country reach. Often co-held with Morse by online earners and benefits from the same kind of statement export.

Bridge

The stablecoin orchestration provider Morse partners with for US and EU virtual accounts. Direct integration with Bridge complements a Morse-side data feed for full-stack visibility.

About us

OpenFinance Lab is an independent technical studio focused on App interface integration and authorized API integration. The team has worked across mobile fintech, payment gateways, blockchain settlement and protocol analysis, shipping production stacks for treasury, accounting and remittance products in multiple regions.

• Hands-on background in fintech, e-commerce, travel, and OTT integrations.
• Mobile-protocol specialists for Android and iOS, plus backend SDKs in Python, Node.js and Go.
• Compliance-aware delivery: GDPR, PSD2, MiCA, and regional crypto-asset regimes.
• Two engagement models: source-code delivery from $300, or pay-per-call hosted endpoints.

Contact

Send the target app name and the data you need. We come back with scope, timeline, and a fixed-price quote within one business day.

Contact page

Engagement workflow

1. Scope confirmation: which Morse data domains are in scope (login, balance, statement, virtual account, card, on-chain).
2. Authorized protocol analysis on a sandbox or consenting test account (2–5 business days).
3. Build, internal validation, and fixture recording (3–8 business days).
4. Documentation, sample code, and Postman collection (1–2 business days).
5. Typical first delivery: 5–15 business days. Multi-region or multi-rail scope may extend the timeline.

FAQ

Does Morse (formerly Sling Money) publish a public developer API?

Which data can you actually export from a Morse account?

How do you handle compliance for a regulated, MiCA-licensed app?

How long does a first delivery take and what does it cost?