Connecting to Myfin.by's Belarus rate and bank-product feeds

Myfin.by aggregates the buy and sell quotes of Belarus's banks alongside the National Bank's official reference rate, then layers loan, deposit and card comparisons on top. The integrable core is a read-heavy reference feed that moves through the trading day: exchange rates for Alfa-Bank Belarus (INSNC), MTBank (Moby), Belarusbank (M-Belarusbank), Belagroprombank and Priorbank (Prior Online) among others, plus a converter spanning fifteen currencies. That feed, normalized and kept current, is what most integrators actually want.

Our practical build mirrors that feed into your own store: the per-bank rate board and the National Bank reference, the converter logic, and the product catalogs, modeled as one schema and refreshed on a cadence matched to the source. The transactional corners — an online loan or credit-card application, a card-to-card transfer, an ERIP bill — sit behind a consenting account and we treat them as a separate, smaller piece of work.

What sits behind the app, surface by surface

Ways in, and the one we would pick

Three routes apply here, and they do not weigh the same.

1 — Interface integration of the rate and catalog feeds

The rate board, converter inputs, product catalogs, map points and news are reference data the app serves to every user. We analyze how the app requests them, map the request and response shapes, and rebuild that as a clean client under your authorization. Low to moderate effort, and durable as long as we track the feed's shape; this is where the bulk of the value lives.

2 — National Bank reference channel

The National Bank of the Republic of Belarus publishes the official daily reference rate through an automated connection. Pairing that authoritative series with the app's commercial-bank quotes gives a board that is both complete and benchmarked. Stable and official, and a natural complement to route 1.

3 — User-consented access for the transactional flows

An online loan application's status, a card-to-card transfer, or an ERIP payment runs on authenticated bank rails. These are reachable with a consenting account, or through a settlement aggregator — bePaid, for instance, documents a real-time ERIP integration against the Raschet system. Higher effort, narrower scope, only worth it if your product needs the per-user actions rather than the market data.

For most buyers the build is route 1 with the NBRB reference from route 2 folded in; route 3 only earns its place when the per-user application and payment surfaces are the point. We say which one fits once we hear what you are building.

A rate query, normalized

The shape below is illustrative — field names and the exact split between reference and commercial quotes are confirmed during the build against the live feed. It shows how we separate the National Bank rate from each bank's own side so nothing is silently blended.

GET /rates?base=BYN&quote=USD&asof=2026-06-02

{
  "base": "BYN",
  "quote": "USD",
  "reference": {                 // NBRB official daily rate
    "rate": "3.0840",
    "source": "nbrb",
    "published": "2026-06-02"
  },
  "commercial": [                // per-bank, both sides, intraday
    { "bank": "alfa_insnc",   "buy": "3.060", "sell": "3.110", "ts": "2026-06-02T11:42:05Z" },
    { "bank": "mtbank_moby",  "buy": "3.055", "sell": "3.115", "ts": "2026-06-02T11:40:12Z" },
    { "bank": "belarusbank",  "buy": "3.058", "sell": "3.108", "ts": "2026-06-02T11:38:55Z" }
  ],
  "stale_after": "2026-06-02T12:42:05Z"   // flag so a frozen quote never reads as live
}

Each commercial entry carries its bank, both sides and a timestamp; the stale_after marker lets your side detect a quote that has stopped updating instead of trusting it indefinitely. Rate-change events feed a queue, and that queue replays to reconstruct the historical series the app charts.

What lands in your repo

• Runnable client (Python and Node.js) that pulls the per-bank board, the NBRB reference and the product catalogs, and emits one normalized schema.
• Queue ingestion worker that turns rate changes into events and replays them to backfill history — so a fresh deployment can reconstruct past series rather than starting blank.
• Automated test harness that samples currency pairs and asserts the converter output matches the app's figure, the National Bank cross included.
• Refresh scheduler / webhook surface for intraday updates, with the cadence tuned per currency and per bank.
• An OpenAPI description of the mapped endpoints, a short auth-flow note for the consented transactional surfaces, interface documentation, and data-retention guidance — the written artifacts that sit under the code.

Keeping the board honest

Commercial quotes drift through the day while the National Bank reference moves once. Conflating the two produces a board that looks precise and is wrong. Our ingestion keeps them in separate series, stamps each quote, and surfaces staleness rather than hiding it. The replay path means a historical gap is repaired by re-running the queue, not by manual patching.

Oversight and consent

The National Bank of the Republic of Belarus oversees the banking and payment landscape these rates come from, and it runs the ERIP/Raschet settlement system the payment flows use. The National Bank has also approved a roadmap for open banking API standards in Belarus, so the authorized-interface direction is consistent with where the regulator is steering. Personal data is governed by the Law of the Republic of Belarus No. 99-Z "On Personal Data Protection", in force since 15 November 2021, supervised by the National Center for the Protection of Personal Data.

The market data in routes 1 and 2 carries no personal data. The transactional flows in route 3 do, and there the dependable basis is the account holder's own authorization: consent recorded and revocable, access logged, only the fields needed retained, and an NDA where the engagement calls for one. We arrange the access alongside you as part of the project.

Build notes specific to this app

Two things shape how we wire this one.

• Per-bank quote shapes differ. INSNC, Moby, M-Belarusbank, Belagroprombank and Prior Online do not present buy/sell spreads identically. We map each bank's quote to the common schema and tag the National Bank reference as its own row, so a downstream query never averages a commercial sell into the official rate.
• The converter is multi-currency cross logic, not a flat table. Fifteen currencies — ruble, dollar, euro, Russian ruble, zloty, dram, lev, tenge, yuan, franc, pound, lira, lari, dong, real — convert through the National Bank cross. We model that cross explicitly so a converter call reproduces the app's number rather than approximating it.
• Map data is service-typed. Branches, ATMs and currency-exchange offices are distinct point types on the bank map; we keep the service type on each coordinate so a locator can filter by what the point actually does.

Pricing

A working Myfin.by rate-feed client lands inside one to two weeks. Source-code delivery starts at $300 — you receive the runnable client, the ingestion worker, the tests and the documentation, and you pay only after delivery, once the result satisfies you. Prefer not to host it yourself? Run against our endpoints and pay per call, with no upfront fee. Tell us the app and what you need from its data at /contact.html and we scope the rest — access and any compliance paperwork are arranged with you, not asked of you first.

Interface evidence

Screens from the Play listing, useful for confirming which surfaces map to which feed.

Similar apps in the Belarus finance landscape

Same category, useful when a unified rate-and-product layer needs to span more than Myfin.by. Named for context, not ranked.

• M-Belarusbank — Belarusbank's official app; account management, ERIP payments and its own rate display.
• INSNC (Alfa-Bank Belarus) — mobile banking with cards, transfers and bank-set FX quotes.
• Moby (MTBank) — MTBank's app; accounts, payments and exchange rates.
• Prior Online (Priorbank) — Priorbank's banking app with currency operations.
• Belveb24 (Bank BelVEB) — banking and FX for a bank strong in foreign settlements.
• Belinvestbank internet banking — accounts and payments for a large universal bank.
• Belagroprombank app — banking and rate data from another major Belarusian bank.
• themoney.by — a web aggregator of Belarusian bank and NBRB rates, close in purpose to Myfin's rate board.

How this was checked

I read the Play Store listing for the app's own feature descriptions, the National Bank of Belarus open-API roadmap and its daily reference-rate statistics, bePaid's ERIP integration documentation for the settlement-rail detail, and the Belarusian data-protection guidance for the consent framing — in late May and early June 2026. Specific numbers in the snippet are illustrative placeholders, not quoted rates.

• Myfin.by on Google Play
• NBRB — development of open API standards
• NBRB — official daily exchange rates
• bePaid — ERIP (Raschet) API documentation

OpenFinance Lab · engineering notes, June 2026.

Questions integrators ask

Does the feed keep the NBRB reference rate separate from each bank's own buy and sell quotes?

Yes. We model the National Bank's daily reference rate as its own series and tag every commercial quote — INSNC, Moby, M-Belarusbank, Belagroprombank, Prior Online and the others — with the issuing bank, currency, side and timestamp, so nothing gets averaged into one misleading number.

Do you pull the rates on a schedule or push them as they change?

Either. The default build lands rate updates on a queue as events and can replay that queue to backfill the historical series the app charts; if you only need a current snapshot, a scheduled intraday poll against the rate and catalog endpoints is lighter. We size the cadence to how often the source actually moves.

How many currencies does the converter cover, and can the client reproduce the app's figure?

The converter spans the Belarusian ruble plus the dollar, euro, Russian ruble, Polish zloty, Armenian dram, Bulgarian lev, tenge, yuan, Swiss franc, pound, Turkish lira, Georgian lari, Vietnamese dong and Brazilian real, per the app's own listing. The test harness samples pairs and asserts our computed amount matches the app's, including the National Bank cross.

Can you also reach the loan, deposit and card comparison data?

Yes — those product catalogs are part of the same interface work: per-product rates, terms and conditions across Belarusian banks, structured for filtering and comparison. The per-user application flows (online loan, card-to-card, ERIP) sit behind a consenting account and are handled separately.

Last checked 2026-06-02