SkyPoint FCU API integration services (FDX / OpenBanking)

Deliverables checklist

• OpenAPI 3.1 specification for every endpoint, with sample requests and FDX-mapped fields
• Protocol & auth flow report (mobile login handshake, token refresh, device fingerprint, MFA challenge)
• Runnable Python and Node.js reference clients for balance, transaction and statement endpoints
• Automated regression tests against a sandbox member, plus Postman collection
• Compliance guide covering CFPB Section 1033, FDX 6.x consent records, GLBA safeguards and Regulation E

Two engagement models

Customers choose between (1) source-code delivery from $300 — runnable API source plus documentation, paid after acceptance — or (2) pay-per-call hosted API billing, where the endpoints are operated by us and metered by request volume. Banks, fintechs and family offices generally start with model 1 to keep data on their own infrastructure, while accounting integrators tend to prefer model 2 for elasticity.

1. Personal finance manager (PFM) connector

A consumer fintech wants to add SkyPoint Federal Credit Union to its supported-institutions list alongside Navy Federal and PSECU. We expose /auth/start → /auth/mfa → /accounts → /transactions, return the response in the FDX 6.x JSON envelope, and stream a 24-month transaction backfill on first connection. Mapping to the FDX category taxonomy lets the PFM treat SkyPoint data as a drop-in for any other FDX-aligned provider.

2. SMB accounting & reconciliation sync

A QuickBooks-style accounting platform needs a daily pull of cleared transactions and bill-pay confirmations from a member's SkyPoint business checking account. Our connector calls /transactions?since=cursor hourly, emits webhook events for every new posting, and ships an OFX 2.x export endpoint so the same data can feed legacy ERP imports without an in-house parser.

3. Loan-origination prequalification

A non-bank lender wants to prequalify SkyPoint members by combining 90-day cash-flow history with the FICO Score Open Access reading exposed in the app. The integration surfaces a single /risk/snapshot response that bundles inflow/outflow statistics, ACH return frequency and the latest FICO band — derived strictly from member-authorized data, never from credit-bureau pulls without a fresh permissible-purpose record.

4. Tax filing & year-end statement export

SkyPoint promotes a TurboTax workflow in the app. Our statement-export endpoint produces a signed, audit-stamped PDF and a parallel CSV for every calendar quarter, ready to feed into TurboTax, FreeTaxUSA, or a CPA's intake portal. RDC images can be embedded inline so audit trails remain visual, not just numeric.

5. Treasury & fraud monitoring

A community-bank fraud team needs a 5-minute pulse on EFT and ACH activity for a watch-list of business members. We deliver a long-poll /transactions/stream endpoint and a Slack/webhook fan-out so suspicious wire memos, large RDC submissions, or unusual bill-pay payees trigger an analyst review the same minute they post.

Member authorization (OAuth-style)

POST /api/v1/skypoint/auth/start
Content-Type: application/json

{
  "member_id": "SPFCU-44211",
  "device_fingerprint": "ios:9f02-...-c4",
  "scopes": ["accounts:read","transactions:read","rdc:read"]
}

200 OK
{
  "auth_id": "auth_8f2a",
  "mfa_required": true,
  "mfa_channels": ["sms","app_otp"],
  "expires_in": 300
}

Statement / transaction query (FDX-aligned)

GET /api/v1/skypoint/accounts/{account_id}/transactions
  ?from=2026-01-01&to=2026-03-31&cursor=eyJwIjoi...
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "transactions": [
    {
      "transactionId": "tx_0192a",
      "postedTimestamp": "2026-03-14T15:11:02Z",
      "amount": -42.18,
      "currency": "USD",
      "description": "RDC DEPOSIT - CHECK 1042",
      "category": "TRANSFER",
      "status": "POSTED"
    }
  ],
  "page": {"cursor": "eyJwIjoi...", "hasMore": true}
}

Webhook: RDC & bill-pay events

POST https://your-app.example.com/webhooks/skypoint
X-OFL-Signature: t=1715432101,v1=4a91...

{
  "event": "rdc.deposit.posted",
  "occurred_at": "2026-05-11T13:02:11Z",
  "account_id": "acct_77c1",
  "amount": 1250.00,
  "currency": "USD",
  "hold_release_at": "2026-05-13",
  "check_image_refs": ["img_front_9af1","img_back_9af2"]
}

Error model & idempotency

Every mutating call accepts an Idempotency-Key header and returns the original response on retry. Failure shape follows RFC 7807 (application/problem+json) with a stable type URI, so consumers can switch error-handling on a machine-readable token rather than parsing English messages.

Regulatory alignment

SkyPoint FCU is a US credit union, so member-data integrations sit at the intersection of three regulatory anchors. The first is the CFPB Section 1033 Personal Financial Data Rights rule, finalized in October 2024 and currently in an "accelerated rulemaking" revision phase after the July 2025 CFPB filing. The second is the Financial Data Exchange (FDX) API standard, which the CFPB officially recognized as a standard-setting body in January 2025 and which already carries 114+ million US consumer-account connections. The third anchor is the long-standing Gramm-Leach-Bliley Act (GLBA) safeguards rule for financial-institution data handling.

How we apply it on a SkyPoint job

We only operate under explicit member authorization or documented public/authorized endpoints. Every connector ships with a consent ledger (who authorized, what scope, when revoked), encrypts member identifiers at rest, and minimizes payloads to the scopes the consumer actually requested. SkyPoint's own privacy policy is referenced in the consent UI so members see the same language across both surfaces. Because credit unions under $850M in assets sit in a deferred Section 1033 implementation tier, we design every connector to be "1033-ready" without forcing premature compliance work on the credit union itself.

About our studio

OpenFinance Lab is an independent technical studio specializing in mobile app interface integration and authorized API delivery for global financial clients. Our engineers come from US and EU banks, payment processors, protocol-analysis vendors, and cloud-platform teams. We have shipped credit-union and retail-banking connectors against more than 40 US institutions and routinely work with PFM startups, accounting platforms, and small-business ERPs that need FDX-aligned data plumbing.

• End-to-end pipeline: protocol analysis → API design → build → validation → compliance review
• Native fluency with FDX 6.x, OFX 2.x, OAuth 2.1, and webhook-based event streams
• Source-code delivery from $300 — runnable API source plus full documentation, paid after acceptance
• Pay-per-call hosted API billing — no upfront cost, usage-metered, ideal for teams that prefer OPEX over CAPEX
• NDAs, data-minimization controls, and consent-ledger templates on every engagement

Contact

For quotes, sandbox requests, or to scope a SkyPoint FCU connector against your existing FDX or PFM client, open our contact page below. Include the data classes you need (balances, transactions, RDC, bill pay, etc.) and the engagement model you prefer.

Open contact page

Engagement workflow

1. Scope confirmation — which data classes, which engagement model, target FDX schema version.
2. Protocol analysis & API design — 2 to 5 business days, complexity-dependent.
3. Build & internal validation against a member sandbox — 3 to 8 business days.
4. Documentation, sample clients, and test cases — 1 to 2 business days.
5. Handover & acceptance — typical first delivery in 5 to 15 business days; third-party approvals (FDX certification, partner reviews) may extend the timeline.

FAQ

What do you need from me to start a SkyPoint FCU integration?

How long does delivery take for a credit union mobile banking integration?

How do you handle compliance with US open banking and Section 1033?