MyCoast API integration services (Coastline FCU OpenBanking)

Deliverables checklist

• OpenAPI / Swagger spec for member login, balance, statement, MyPay and transfer endpoints
• Protocol and auth flow report (token chain, device binding, OTP handling)
• Runnable reference source in Python and Node.js, plus a thin TypeScript SDK
• Automated regression tests with mocked Coastline FCU responses
• Compliance notes mapped to NCUA Regulation P and CFPB Section 1033 expectations

Two engagement models

• Source code delivery from $300 — runnable API source and docs handed over; pay only after delivery upon satisfaction.
• Pay-per-call API billing — call our hosted MyCoast endpoints and pay only for the calls you make, with no upfront fee.
• NDA and member-consent templates included for regulated rollouts.

1. Accounting and bookkeeping sync

A small business owner who banks at Coastline Federal Credit Union pushes daily transaction lines and posted bill payments into QuickBooks Online or Xero. The flow consumes GET /accounts and GET /transactions, normalises memo and merchant fields, and writes journal entries tagged with the Coastline account number.

2. Income and asset verification for lenders

A mortgage broker requests 24 months of e-statements via the member-consent endpoint. The integration downloads the structured statement payload, derives recurring deposits, and exports a Method-of-Verification report similar to what Finicity Income Verification produces for credit decisioning.

3. Financial wellness coaching

A coaching app subscribes to savings-goal progress webhooks. Each time a member's goal contribution posts, the app pushes a nudge (e.g. "1.4% closer to your emergency fund") and uses PFM category data to surface overspending in subscriptions, drawing on the same signal stream the in-app MyCoast Savings Goals screen consumes.

4. Treasury and consolidated view

A franchise group with accounts at Coastline FCU and two larger banks pulls balances from all three through a single unified endpoint. The OpenFinance Lab adapter normalises field names (availableBalance, postedDate) so downstream cash-position dashboards do not care which institution they came from.

5. Compliance archival under Section 1033

A fintech building under the CFPB Section 1033 personal financial data rights framework keeps consent records, scopes (balance / transactions / statements) and revocation events tied to each MyCoast member. The integration ships with a ready-made consent ledger and a 7-year e-statement archive bucket.

Member login & OTP exchange

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

{
  "username": "member_handle",
  "password": "<encrypted_block>",
  "device_id": "uuid-v4",
  "otp_channel": "sms"
}

200 OK
{
  "session_id": "sess_8c2e...",
  "requires_otp": true,
  "otp_token": "otp_b91...",
  "expires_in": 180
}

Transaction & e-statement query

GET /api/v1/mycoast/accounts/{account_id}/transactions
  ?from=2026-04-01&to=2026-04-30&page=1&page_size=100
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "account_id": "share_0042",
  "transactions": [
    {
      "id": "tx_19f4",
      "posted_at": "2026-04-12T14:31:00Z",
      "amount": -38.74,
      "currency": "USD",
      "merchant": "Stop & Shop #214",
      "category": "groceries",
      "memo": "POS PURCHASE"
    }
  ],
  "next_page": null
}

MyPay bill pay webhook

POST {your_callback_url}
X-OpenFinance-Signature: sha256=...
Content-Type: application/json

{
  "event": "mypay.payment.posted",
  "payment_id": "pay_77c1",
  "payee": "Eversource Energy",
  "amount": 142.05,
  "currency": "USD",
  "scheduled_for": "2026-05-08",
  "posted_at": "2026-05-08T11:02:00Z",
  "status": "completed"
}

US regulatory frame

Coastline Federal Credit Union is supervised by the National Credit Union Administration (NCUA). Member data handling follows NCUA Regulation P (Privacy of Consumer Financial Information), the Gramm-Leach-Bliley Act Safeguards Rule, and the personal financial data rights framework set by the CFPB Section 1033 final rule issued in October 2024. The 2025 NCUA supervisory priorities also list cybersecurity and third-party due diligence as top focus areas, which our deliverables reflect.

Privacy by design

We work under explicit member authorization and never store plain-text credentials. Scopes are split per data class (balance, transactions, statements, MyPay) so a calling app only sees the fields it needs. Consent revocations propagate within 24 hours and trigger automatic key rotation on the integration side. Logs retain only hashed identifiers; PII fields can be tokenized.

About us

OpenFinance Lab is an independent studio specialised in mobile fintech protocol analysis and OpenData / OpenFinance / OpenBanking API delivery. Our team has shipped integrations across US credit unions, European PSD2 banks, UPI rails in India, and digital wallets in Southeast Asia.

• Coverage of credit unions, neobanks, and core banking systems (Symitar, FIS, Fiserv)
• Aggregator fallback wiring for Plaid, Finicity, MX and Akoya
• Custom Python / Node.js / Go SDKs and test harnesses
• Full pipeline: protocol analysis → build → validation → compliance review
• Source code delivery from $300 — runnable API source and full documentation; pay after delivery upon satisfaction.
• Pay-per-call API billing — call our hosted endpoints and pay only per call, no upfront cost.

Contact

For a quote or to submit the MyCoast scope you have in mind (data types, expected volume, region), open our contact page:

Contact page

Engagement workflow

1. Scope confirmation: which MyCoast data classes (balance, transactions, statements, MyPay, transfers, savings goals).
2. Protocol analysis and adapter design (2–5 business days, complexity-dependent).
3. Build, internal validation against masked test accounts (3–8 business days).
4. Documentation, sample callers, and regression test cases (1–2 business days).
5. Typical first delivery: 5–15 business days; aggregator approvals or member-consent rollouts may extend timelines.

FAQ

Is integrating MyCoast different from a big-bank API?

What data can be pulled from a MyCoast member account?

How long does first delivery take?

How is this compliant with US regulators?