Simbank API integration services (Doscredobank · Kyrgyz Republic)

Authentication & user binding

OAuth-style token issuance, OTP relay, and device-fingerprint replay analysis so partner systems can sign in once and refresh sessions without re-prompting end users. Designed for back-office reconciliation and B2B treasury dashboards rather than consumer use.

Transaction history API

Paginated transaction export filtered by date range, MCC, merchant geo-location, payment method (QR, card, P2P, parking, utility) and amount. Outputs match Simbank's in-app spending analytics — including tags, notes, and "purchase geography" — for use in accounting and travel-expense systems.

Statement & document service

Programmatic equivalent of the in-app "order a statement" flow: request a signed PDF statement, an XML/JSON ledger, or a year-end summary. Useful for visa applications, mortgage proofs, and ERP statement-import jobs.

Credit, installment & cashback ledger

Read remaining credit limit, grace-period clock, monthly fee accruals (e.g. 2.24% per month installment fee), and category-based cashback (up to 20% on cinema, dining, travel). Lets risk and finance teams reconcile credit utilization without scraping the UI.

Deposit & Piggy Bank sync

Pulls open Simbank deposits with annual rates up to 14%, current Piggy Bank balances at 7% APR, top-up history, and early-withdrawal events. Maps cleanly onto an OpenFinance "savings account" object for portfolio aggregators.

Subscriptions & utility integration

Exposes the in-app subscription manager (Netflix, Apple, YouTube, etc.) and the "My Home" utility-bill QR scan history. Convenient for household budget apps that need a single transactional source of truth.

1. SME accounting sync to 1C / Sage

A Bishkek-based retail chain needs daily Simbank transactions imported into its ERP. We expose a /transactions?from=YYYY-MM-DD endpoint that returns IFRS-mappable rows with VAT-relevant fields. The mapping layer matches Kyrgyz accounting conventions used in financial reporting under the local Accounting Act.

2. Personal finance aggregator

A regional PFM app aggregates Simbank, MBANK, and Optima24 cards into a single dashboard. Our connector returns OpenFinance-shaped account, transaction, and balance objects so the aggregator does not need to write per-bank parsers.

3. Cross-border payroll for remote workers

A Central Asian outsourcer pays freelancers via Simbank cards. We deliver a webhook that emits a signed payment.posted event when a payroll transfer settles, so the upstream HR system can mark invoices as paid and issue statements within seconds.

4. Credit-bureau-grade statement export

A non-bank lender requests a 12-month Simbank statement as part of underwriting. The integration calls the statement service, packages a signed PDF plus a JSON ledger, and uploads both to the lender's secure intake bucket — replacing manual screenshot uploads from end users.

5. Travel / FX expense automation

Because Simbank tags purchase geography and supports multi-currency cashback, we can stream travel-flagged transactions to a corporate T&E platform with original amount, FX rate, and merchant city — eliminating manual receipt entry for trips outside Kyrgyzstan.

Authorization & token refresh

// Example: exchange Simbank session for an integration access token
POST /api/v1/simbank/auth/login
Content-Type: application/json

{
  "phone": "+996700123456",
  "otp": "428193",
  "device_id": "device-uuid-v4",
  "scope": ["transactions:read", "statements:read", "card:read"]
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rt_9d8c...",
  "expires_in": 1800,
  "kgs_account_id": "acct_4f2e..."
}

Statement query API

// Example: paged transaction export, filtered by type and date range
GET /api/v1/simbank/transactions
  ?account_id=acct_4f2e
  &from=2026-01-01&to=2026-03-31
  &type=qr,utility,p2p
  &page=1&page_size=100
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "items": [
    {
      "id": "txn_01H...",
      "ts": "2026-03-14T09:21:13Z",
      "amount": -1200.00,
      "currency": "KGS",
      "mcc": "5411",
      "merchant": "Globus Bishkek",
      "geo": {"lat": 42.87, "lon": 74.59},
      "tag": "groceries",
      "cashback": {"rate": 0.05, "earned": 60.00}
    }
  ],
  "next_cursor": "eyJwYWdlIjoyfQ"
}

Webhook for credit / installment events

// Example: server-to-server event signed with HMAC-SHA256
POST https://your-app.example/hooks/simbank
X-Simbank-Signature: t=1714386000,v1=8b2f...

{
  "event": "installment.created",
  "occurred_at": "2026-04-29T12:00:00+06:00",
  "data": {
    "account_id": "acct_4f2e",
    "principal_kgs": 48000.00,
    "tenor_months": 12,
    "monthly_fee_pct": 2.24,
    "first_due_date": "2026-05-29"
  }
}

// Verify signature, then enqueue for downstream ledger.

What we do

We are an independent studio specializing in App interface integration, authorized API integration, and OpenBanking protocol analysis. Our team includes engineers with hands-on experience in mobile applications and fintech, and we deliver one-stop services from protocol analysis and interface refactoring to OpenData integration, third-party interface integration, automated data scripting, and full interface documentation.

• Marketed to overseas clients, familiar with mainstream Apps' interface standards across countries
• Compliant interface implementations aligned with local laws and privacy protection
• Android & iOS coverage; ready-to-use API source code, docs, and test plans
• Source code delivery from $300 — pay after delivery upon satisfaction
• Pay-per-call API billing — access our hosted endpoints, no upfront cost

Contact

To request a quote for Simbank API integration — or to bundle Simbank with MBANK, Optima24, BAKAI, DemirBank, Leobank, Liobank, Roarbank, Wise, or Payoneer — open our contact page and tell us which data surfaces (statements, balances, installments, cashback, deposits) you need.

Contact page

Engagement workflow

1. Scope confirmation — choose data surfaces (auth, transactions, statements, deposits, installments, cashback).
2. Protocol analysis & API design (2–5 business days; depends on Simbank version coverage).
3. Build & internal validation against in-country sandbox (3–8 business days).
4. Documentation, sample clients, and test cases (1–2 business days).
5. Typical first delivery in 5–15 business days; third-party approvals may extend timelines.

FAQ

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