Connect Quontic Bank balances, transactions and Pay Ring events to your finance stack
Quontic Digital Bank holds rich consumer-finance data: high-yield savings balances, checking activity, certificate-of-deposit ladders, mortgage payment schedules, and Pay Ring tap-to-pay transactions. Our team delivers authorized, compliant integrations that surface this data through clean OpenBanking-style endpoints, ready for accounting tools, treasury dashboards, and personal-finance apps.
What we deliver
Deliverables checklist
- OpenAPI 3.1 specification for every Quontic endpoint surface
- Authentication flow report (token lifetime, refresh policy, FIDO biometric handoff)
- Runnable Python and Node.js reference clients
- Postman / Bruno collection plus pytest and Vitest suites
- Section 1033 consent-record schema and retention guidance
- Plaid item-bridging adapter so existing aggregator code keeps working
Engagement models
Source code delivery from $300 — receive runnable Quontic Bank API source code and full documentation; pay only after delivery once you have validated the build against your own Quontic account.
Pay-per-call API billing — proxy through our hosted Quontic gateway and pay strictly for successful calls; ideal for pilots, treasury dashboards or fintech startups that prefer usage-based pricing over a fixed engineering budget.
Data available for integration
The Quontic mobile app is a thin client over a banking core that holds structured consumer-finance data. The table below maps each data class to the screen it surfaces in, the granularity we can export, and the integration use case it typically powers.
| Data type | Source screen / feature | Granularity | Typical use |
|---|---|---|---|
| Account balance | Account dashboard | Available + ledger, refreshed on poll | Treasury cash position, PFM apps |
| Posted transactions | Activity / History | Per-transaction, ISO-8601 timestamp, MCC, amount, memo | Reconciliation, bookkeeping, anti-fraud |
| Pending authorizations | Pending tab | Per-auth, merchant + amount, expiry hint | Available-balance projections, alerts |
| Mobile check deposit | Deposit camera flow | Image hash, MICR line, decision status | AR clearing, audit trail |
| External transfers (ACH) | Transfer module | From/to, amount, scheduled date, status | Pay-cycle automation, reporting |
| Pay Ring activity | Wearable Checking | Tap-to-pay events, Mastercard auth ID | Travel expense capture, real-time alerts |
| CD & high-yield savings | Savings & CD product pages | APY, term, maturity date, accrued interest | Wealth dashboards, ladder optimisation |
| Mortgage servicing | quontic.myloanservicer.com | Principal, interest, escrow, next-due | Personal balance sheet, tax export |
| Surcharge-free ATM locator | Find ATMs | Geo-coordinates, network membership | Travel apps, embedded fintech UX |
Typical integration scenarios
1. Bookkeeping sync for small businesses
A solo founder with a Quontic Cash Rewards Checking account wants daily reconciliation in QuickBooks Online. We poll the transaction endpoint nightly, normalise each row into the QBO journal-entry schema, attach the Pay Ring authorization ID as a memo, and post via QBO's journalentry API. Section 1033 consent is captured at first connect; revocation cascades to the QBO connection token.
2. Personal finance dashboards
Apps similar to Copilot or Monarch Money use our Plaid-bridged endpoint to pull Quontic high-yield savings balances and CD maturity calendars. The integration emits a single account_snapshot message every refresh window so the dashboard does not need to call multiple Plaid products.
3. Treasury cash visibility for fintech operators
Operators who hold Quontic accounts as a custodial layer need real-time settlement signals. We publish webhook events on ACH posting (ach.posted), wire receipt (wire.received) and Zelle confirmation, all carrying the original Quontic reference ID so the operator's ledger can match the funds in under a minute.
4. Mortgage payment automation
Borrowers servicing their Quontic mortgage want their payment schedule to flow into a household budget tool. We surface principal, interest, escrow and next-due fields from Quontic My Loan Servicer as a structured mortgage_schedule object, refreshed on the first business day of each month.
5. Travel expense capture from Pay Ring
Frequent travellers wearing the Quontic Pay Ring need their international tap-to-pay charges in their corporate expense tool. We tag each Mastercard authorization with country, FX rate and merchant category, then push a travel_expense event to platforms like Expensify or Brex within 90 seconds of authorization.
Technical implementation
Authenticated session bootstrap
POST /api/v1/quontic/session
Content-Type: application/json
X-Consent-Id: cnt_2026_05_10_abc123
{
"device_id": "ios-7c2e4f",
"credential": {
"type": "fido_assertion",
"challenge": "...",
"signature": "..."
},
"scope": ["balance.read", "txn.read", "deposit.write"]
}
200 OK
{
"session_token": "qb_sess_...",
"expires_in": 1800,
"refresh_token": "qb_rfs_...",
"section_1033_window_days": 730
}
Statement query (last 90 days)
POST /api/v1/quontic/statement
Authorization: Bearer <SESSION_TOKEN>
Content-Type: application/json
{
"account_id": "QB-CHK-9837",
"from_date": "2026-02-10",
"to_date": "2026-05-10",
"include": ["pending", "pay_ring", "ach", "zelle"],
"page_size": 200
}
200 OK
{
"items": [{
"id": "txn_91f2",
"posted_at": "2026-05-08T14:21:07Z",
"amount": -42.18,
"currency": "USD",
"merchant": "DELTA AIR LINES",
"mcc": 4511,
"payment_method": "pay_ring",
"auth_id": "MC_AUTH_55a9f"
}],
"next_cursor": "eyJwYWdlIjoyfQ=="
}
Mobile-deposit webhook
POST https://your.app/webhook/quontic
X-Quontic-Signature: t=1715... v1=...
Content-Type: application/json
{
"event": "deposit.decisioned",
"deposit_id": "dep_2026_05_10_4d",
"account_id": "QB-CHK-9837",
"amount": 1200.00,
"decision": "ACCEPTED",
"available_on": "2026-05-13",
"image_hashes": {"front":"sha256:...","back":"sha256:..."}
}
Signatures use HMAC-SHA256 with rolling key IDs; replay protection enforces a 300-second timestamp window.
Compliance & privacy
Section 1033 alignment
Quontic Bank is a U.S.-chartered, FDIC-insured institution, which puts every integration squarely inside the scope of CFPB Section 1033 Personal Financial Data Rights. Our delivery includes a 24-month covered-data window, per-user revocation hooks, and a consent ledger that survives third-party hand-offs. We track the rule's current reconsideration status so engagements remain forward-compatible.
Privacy and security baseline
- TLS 1.3 with HSTS preload, no fallback to insecure ciphers
- FIDO2 / WebAuthn for primary auth where Quontic exposes it
- Field-level encryption for MICR images and SSN-bearing fields
- GLBA Safeguards Rule alignment for any data at rest in our gateway
- State-law overlays (NY DFS Part 500, California CCPA/CPRA) when relevant
Data flow & architecture
The reference pipeline keeps Quontic's mobile client untouched and runs four crisp stages:
- Client / Quontic mobile app — user logs in and authorizes a scoped session via biometric, then hands a refresh token to our gateway.
- OpenFinance gateway — translates calls into Quontic's authenticated endpoints, attaches consent IDs, and applies rate-limiting per Section 1033 reasonableness guidance.
- Storage & normalisation — posted transactions, deposits and Pay Ring events are written to a Postgres ledger with a 90-day hot tier and S3 cold tier; each row carries the original Quontic reference ID.
- API output / webhooks — your downstream systems consume normalised JSON, CSV or QIF, plus signed webhooks for deposit decisions and ACH postings.
Market positioning & user profile
Quontic Bank is a digitally native, U.S.-chartered community development financial institution headquartered in New York. Its mobile app (4.6 stars on Google Play, 4.8 on the App Store) is used primarily by U.S. consumers seeking high-yield savings, cash-rewards checking, certificates of deposit, and non-traditional mortgage products. The Pay Ring and Wearable Checking line attract early-adopter travellers who want contactless payments without a phone or card. Integration buyers are typically U.S. fintech operators, accounting-software vendors, personal-finance dashboards, and treasury teams holding operational balances at Quontic — Android and iOS coverage are equal priorities.
App screenshots
Click any thumbnail to view it full-size. These screens map directly onto the data classes documented above.
Similar apps & integration landscape
Buyers who integrate Quontic Bank often need parallel coverage of the wider U.S. digital-banking ecosystem. We list the apps below not as competitors but as integration neighbours — most teams want a unified data model across them.
- Ally Bank — Detroit-based digital bank; users typically need unified savings-rate and transfer history alongside Quontic.
- Varo Bank — App-first national bank; common requirement is harmonised checking-transaction exports across both providers.
- SoFi — Digital banking plus investing and lending; integration teams often combine SoFi balances with Quontic CD ladders.
- Axos Bank — Long-running digital bank; relevant when a customer wants high-yield savings rates compared between the two.
- Capital One 360 — Larger online checking and savings player; pairs naturally with Quontic for household budget views.
- Chime — Neobank popular for early direct deposit; surfaces alongside Quontic in personal-finance dashboard requests.
- Current — Mobile-first neobank focused on younger users; integration often needs joint card-transaction normalisation.
- Upgrade — Combines checking with a credit line; typically integrated to give a single "available cash + credit" view.
- Revolut — Multi-currency app; pairs with Quontic Pay Ring for international tap-to-pay travel reporting.
- Acorns — Round-up investing app; integration neighbours when a customer wants every Quontic transaction rounded into a portfolio.
Each name above is a routine integration target for OpenFinance Lab; if you need a multi-bank unified data layer, we can deliver one normalised schema spanning Quontic and any subset of the apps listed.
About us
OpenFinance Lab is an independent technical studio focused on app protocol analysis and authorized API integration. Our engineers come from U.S. retail banks, payment networks, mobile-app reverse-engineering teams, and cloud platform groups, so we understand both the mobile client and the backend it talks to.
- Banking, payments, mortgage servicing and neobank stacks
- Plaid, MX and Yodlee aggregator bridging
- Section 1033, GLBA, NY DFS Part 500 and CCPA/CPRA alignment
- Custom Python, Node.js, Go and Kotlin SDKs with full test harnesses
- Source code delivery from $300 — pay only after the API drop is verified against your Quontic account
- Pay-per-call API billing — proxy through our hosted gateway, settle monthly per successful call
Contact
Send your scope (Quontic + which data flows) through our contact form and a senior engineer will reply within one business day with a fixed-price quote or a pay-per-call estimate.
Engagement workflow
- Scope confirmation: which Quontic data classes (balance, txn, deposit, transfer, Pay Ring) you need.
- Protocol analysis & API design (2–5 business days).
- Build & internal validation against a real Quontic sandbox or live account (3–8 business days).
- Documentation, sample apps and pytest/Vitest suites (1–2 business days).
- First delivery typically lands inside 5–15 business days; webhook fan-out and Plaid bridging can extend the schedule.
FAQ
What do you need from me to start a Quontic Bank integration?
How long does delivery take for a Quontic Bank API drop?
How do you handle CFPB Section 1033 and consumer privacy?
Can you handle Quontic Pay Ring tap-to-pay events?
📱 Original app overview (appendix)
Quontic Bank is a U.S.-chartered, FDIC-insured digital bank headquartered in New York City. The free Quontic Bank Mobile app (com.quonticbank.android) gives customers 24/7 access to their checking, savings, certificate-of-deposit and mortgage accounts from a single screen. In April 2022 Quontic became the first U.S. bank to launch a contactless payment ring, and the Wearable Checking product line has been positioned through 2024 as the ideal travel companion. The bank is also notable in the open-banking landscape for partnering with MANTL on a Plaid Layer integration that streamlines account onboarding.
- Manage all accounts: 24/7 access to checking, savings, CDs and mortgages in one place.
- Make transfers between Quontic and outside bank accounts.
- Pay bills quickly and easily, with scheduled and recurring options.
- Mobile check deposit through the device camera, subject to verification and deposit limits.
- Find Quontic locations and surcharge-free ATMs in the in-app locator.
- Touch ID, Face ID and biometric sign-in for secure session bootstrap.
- Pay Ring and Wearable Checking for contactless tap-to-pay.
- Member FDIC. Online banking enrollment is required for mobile banking. Data connection required; carrier fees may apply.
- Mobile banking support: 1-855-226-5287. Customer service: 1-800-908-6600.
- Some features may not be available in the tablet application.