Parler Pay API integration services (OPT wallet / OpenFinance)

Account login & session API

Mirrors Parler Pay's authorization handshake: phone/email login, token issuance, refresh and device binding. Use it to link a user once, then keep a long-lived read session for downstream calls. Concrete use: a creator-economy platform that needs to confirm a payee's Parler Pay wallet is active before scheduling a payout.

Multi-token balance sync

Returns per-wallet holdings for OPT, ETH, USDT and other supported tokens, plus a fiat valuation snapshot at query time. Concrete use: a personal-finance dashboard that aggregates a user's Parler Pay balances alongside bank and brokerage data for a single net-worth view.

Peer-to-peer transaction history API

Paged list of sends, receives, Split Pay splits and Tap to Pay purchases with counterparties, memos, amounts, asset, fee and status; supports date ranges and asset filters. Concrete use: month-end reconciliation between a merchant's point-of-sale records and Parler Pay settlement.

Optio rewards ledger

Exposes proof-of-impact points earned through Parler engagement and their conversion into OPT, with event type, impact-score reference, accrual timestamp and settlement state. Concrete use: an analytics team measuring how on-platform activity translates into token rewards over a campaign window.

Statement & export service

Compiles a date-bounded statement combining transfers, fees and reward accruals, delivered as JSON, CSV or a printable PDF. Concrete use: producing year-end activity reports for tax preparers who need a clean line-item record per asset.

Webhook & notification stream

Pushes events — inbound transfer received, Tap to Pay confirmed, reward accrued, balance threshold crossed — to your endpoint with a signed payload and retry. Concrete use: a treasury tool that flags a creator payout the moment it lands and triggers an internal ledger entry.

1 · Creator payout reconciliation

Context: a media platform pays creators in OPT and stablecoins through Parler Pay and must match those payouts to its internal ledger. Data/API: the creator-payouts list plus the peer-to-peer transaction history API, filtered by asset and date. OpenFinance mapping: this is account-information access — a read-only consented pull of transaction records, the same pattern OpenBanking uses for bank statement retrieval, applied to a token wallet.

2 · Unified personal-finance view

Context: a budgeting app wants Parler Pay balances and spend to appear next to bank and card data. Data/API: multi-token balance sync for the net-worth tile and the transaction history API for the activity feed; Tap to Pay purchases get categorized. OpenFinance mapping: account aggregation — normalizing a non-bank wallet into the same balance/transaction schema as PSD2-style account feeds.

3 · Rewards analytics for a campaign

Context: a growth team runs a Parler engagement campaign and wants to know how proof-of-impact activity converted into OPT. Data/API: the Optio rewards ledger endpoint, joined on impact-score references, exported as CSV. OpenFinance mapping: loyalty-and-rewards data access — treating OPT accruals as a structured rewards stream that can be queried, aggregated and audited like points balances in OpenLoyalty designs.

4 · Merchant settlement matching

Context: a retailer accepting Tap to Pay needs daily settlement files that reconcile against terminal logs. Data/API: Tap to Pay purchase records via the transaction history API plus the webhook stream for near-real-time confirmations. OpenFinance mapping: payment-status reporting — a merchant-side view of cleared transactions analogous to acquirer settlement reporting.

5 · Compliance & audit export

Context: a regulated partner must retain a tamper-evident record of a user's Parler Pay activity for AML review. Data/API: the statement & export service producing a signed, date-bounded JSON/PDF covering transfers, fees and reward accruals, with consent metadata. OpenFinance mapping: consent-and-evidence handling — pairing data access with an auditable consent record, mirroring OpenBanking consent-receipt practice.

1 · Authorize a Parler Pay session

// Bind a user and obtain a read session (pseudocode)
POST /api/v1/parlerpay/auth/login
Content-Type: application/json

{
  "identifier": "+1-555-0142",       // phone or email used in app
  "credential": "<OTP_OR_TOKEN>",
  "device_id": "dvc_9f2a..."
}

200 OK
{
  "access_token": "eyJhbGciOi...",   // short-lived
  "refresh_token": "rt_8c1d...",     // rotate on use
  "wallet_id": "wal_3b77...",
  "kyc_tier": "tier1",
  "expires_in": 900
}
// Errors: 401 invalid_credential, 423 device_unverified, 429 rate_limited

2 · Read multi-token balances

GET /api/v1/parlerpay/wallets/wal_3b77/balances
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "as_of": "2026-05-12T08:30:00Z",
  "fiat_currency": "USD",
  "balances": [
    {"asset": "OPT",  "amount": "1840.250000", "fiat_value": "92.01"},
    {"asset": "ETH",  "amount": "0.412000",    "fiat_value": "1320.40"},
    {"asset": "USDT", "amount": "250.000000",  "fiat_value": "250.00"}
  ]
}

3 · Page through transaction history

POST /api/v1/parlerpay/statement
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "wallet_id": "wal_3b77...",
  "from_date": "2026-04-01",
  "to_date":   "2026-04-30",
  "types": ["p2p_send","p2p_receive","split_pay","tap_to_pay"],
  "asset": "ALL",
  "cursor": null,
  "limit": 100
}

200 OK
{
  "items": [
    {
      "id": "txn_7d11...", "type": "p2p_receive",
      "asset": "OPT", "amount": "50.000000", "fee": "0.000000",
      "counterparty": "@creator_jane", "memo": "tip",
      "status": "settled", "created_at": "2026-04-12T14:03:21Z"
    }
  ],
  "next_cursor": "eyJvZmZzZXQiOjEwMH0="
}

4 · Subscribe to a webhook

POST /api/v1/parlerpay/webhooks
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "url": "https://your-app.example/hooks/parlerpay",
  "events": ["transfer.received","taptopay.confirmed","reward.accrued"],
  "secret": "whsec_2f9b..."   // used to sign payloads (HMAC-SHA256)
}

// Delivered event (POST to your url):
{
  "event": "reward.accrued",
  "data": {
    "wallet_id": "wal_3b77...", "asset": "OPT",
    "points": 120, "opt_converted": "12.000000",
    "impact_ref": "imp_55c0...", "accrued_at": "2026-05-11T19:40:02Z"
  },
  "signature": "sha256=..."   // verify before trusting
}
// Retry: exponential backoff, 24h max; return 2xx to ack

Compliance & privacy

Parler Pay handles value transfer in crypto-assets, so any integration sits inside real regulatory frameworks. In the United States, money-transmission and the FinCEN Bank Secrecy Act guidance and Travel Rule govern recordkeeping and information-sharing for transfers above the applicable threshold; in the European Union, the Markets in Crypto-Assets Regulation (MiCA) plus the Transfer of Funds Regulation (implementing FATF Recommendation 16) apply, with the EBA Travel Rule guidelines in force since 30 December 2024. Personal data is in scope of GDPR in the EU/UK and of equivalent state privacy laws in the US.

Our designs reflect that: read-only by default, scoped access tokens, request and consent logging, data-minimization (pull only the fields you need), configurable retention, and PII handling guidance. We integrate only under your authorization or against documented authorized interfaces, and we will sign NDAs and data-processing terms. We do not provide tooling intended to bypass authentication or platform controls.

Data flow / architecture

A typical deployment is a short, auditable pipeline:

1. Client / authorized session — user links Parler Pay; we hold a scoped read token.
2. Ingestion API — our service calls login, balances, statement and rewards endpoints; webhooks push deltas.
3. Storage — normalized records (balances, transactions, rewards, consent receipts) in your database or ours, encrypted at rest.
4. Output — your REST API, scheduled CSV/JSON/PDF exports, or a webhook feed into analytics, accounting or risk systems.

Each hop is logged; the consent receipt travels with the data so an auditor can trace any record back to the authorization that permitted it.

Deliverables checklist

• API specification (OpenAPI / Swagger) for login, balances, statement, rewards and webhooks
• Protocol & auth-flow report (token issuance, refresh, device binding, error map)
• Runnable source for the read APIs in Python and Node.js (Go on request)
• Automated tests, a Postman collection and integration documentation
• Compliance guidance (Travel Rule / MiCA / GDPR touchpoints, consent receipts, retention)
• Optional hosted endpoints under pay-per-call billing

Engagement workflow

1. Scope confirmation — which screens and data (balances, P2P, Tap to Pay, rewards) and which output format.
2. Protocol analysis & API design — 2–5 business days depending on complexity.
3. Build & internal validation — 3–8 business days.
4. Docs, samples and test cases — 1–2 business days.
5. First delivery typically in 5–15 business days; third-party approvals may extend it.

About us

We are an independent studio focused on fintech and open-data API integration. The team includes engineers from payment gateways, digital banks, blockchain infrastructure and cloud platforms, and we have shipped end-to-end financial APIs under security and compliance constraints. We know how OpenBanking-style account access, the FinCEN Travel Rule, MiCA and GDPR shape what a wallet integration can and cannot do, and we design for that from day one.

• Protocol analysis of mobile client-server flows and authorized API integration
• Crypto-wallet, payments, digital-banking and rewards/loyalty data pipelines
• Custom Python / Node.js / Go SDKs, test harnesses and OpenAPI docs
• Full pipeline: scope → protocol analysis → build → validation → compliance handover
• Source-code delivery from $300 — runnable API source plus full documentation; pay after delivery once you are satisfied
• Pay-per-call API billing — use our hosted endpoints and pay only for the calls you make, no upfront cost

Contact

For a quote, send the target app (Parler Pay) and your concrete requirements — which data, which format, expected volume. We will come back with scope, timeline and price.

Contact page

What do you need from me to start a Parler Pay integration?

The target app name (Parler Pay, provided), the concrete data you need — for example OPT/ETH/USDT balances, peer-to-peer transaction history, or Optio rewards ledgers — and any authorized account, test wallet, or sandbox access you can supply. We also ask which output format you want: REST API, JSON/CSV export, or a webhook stream.

How long does a Parler Pay API delivery take?

A first API drop with documentation is usually 5 to 12 business days. A login and statement read-only integration is on the short end; multi-chain balance aggregation, rewards reconciliation and webhook delivery push it longer. Third-party approvals can extend timelines.

How do you handle compliance for a crypto wallet app like Parler Pay?

We work only under customer authorization or documented, authorized interfaces. Designs include request logging, consent records and data-minimization guidance, and we map flows to the FinCEN Travel Rule, the EU MiCA regime and GDPR where they apply. We sign NDAs on request.

Can you export Optio (OPT) rewards data separately from payments?

Yes. The rewards ledger — points earned through Parler's proof-of-impact activity and their conversion into OPT — can be exposed as its own endpoint with event type, impact score reference, accrual timestamp and settlement status, so accounting and analytics teams can treat rewards independently of peer-to-peer transfers.