VeraBank API integration (OpenBanking & FDX-aligned)

Deliverables checklist

• OpenAPI 3.1 specification with FDX-style field naming (accountId, postedTimestamp, category)
• Protocol & auth-flow report (OAuth-like token chain, biometric step-up, device binding headers)
• Runnable source for login, balance, statement and ACH-status APIs in Python and Node.js
• Postman collection plus automated pytest / Jest integration tests against a sandbox account
• Compliance pack: consent text template, retention guidance, GLBA/FFIEC notes, CFPB 1033 forward-compatibility checklist

How we work

We do not scrape unauthenticated screens or bypass security checks. Each engagement begins with a signed authorization from the account holder (or the enterprise treasury administrator), an explicit scope of data fields, and an audit-logging plan. Final source code is delivered as a clean repository so the customer can host it themselves or call our managed endpoints on a pay-per-call basis.

1. Monthly accounting reconciliation

An East Texas construction firm closes its books in QuickBooks Online but holds operating cash at VeraBank. The integration pulls the previous month's transactions via /v1/verabank/accounts/{id}/transactions, joins them with QBO bills by check number, and posts a reconciliation report. Maps to FDX Transaction and reduces manual entry by ~6 hours per month-end.

2. Treasury payroll automation

A commercial customer originates a bi-weekly ACH payroll batch from its payroll system. The integration calls /v1/verabank/ach/batches with NACHA-formatted entries, polls /v1/verabank/ach/batches/{id} until the dual-approval state machine reaches posted, and writes the result back to the payroll system. Maps to the in-app "Originate / Review / Approve ACH" workflow.

3. Lending pre-qualification

A regional auto dealer wants to pre-qualify VeraBank customers for floor financing. Under explicit consumer consent, the API returns the latest FICO score and the last 90 days of inflows from /v1/verabank/score and /v1/verabank/transactions?type=credit. Output is normalized to FDX CreditScore shape so the same client can later read from other 1033-covered banks.

4. Positive Pay exception webhook

A fraud-monitoring vendor subscribes to a Positive Pay webhook. When VeraBank flags a check exception, the integration POSTs the exception payload (check serial, amount, payee, image URL) to the vendor and receives back a pay/return decision that is replayed to the treasury portal. Cuts decision latency from hours to seconds.

5. Multi-bank cash sweep

A property-management group holds operating accounts at VeraBank and deposits at Frost Bank and Chase. Our integration aggregates balances every 30 minutes, then originates intra-day wires from VeraBank to the concentration account when the target buffer is breached. Uses /v1/verabank/wires with idempotency keys and FDX Transfer mapping.

Authorization & session

// Step 1 - authorize a session against the mobile flow
POST /v1/verabank/auth/login
Content-Type: application/json

{
  "username": "<user>",
  "password": "<pass>",
  "device_fingerprint": "<hash>",
  "biometric_token": "<optional faceid>"
}

// Response
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rt_8f1c...",
  "expires_in": 1800,
  "mfa_required": false
}

Statement export (FDX-shaped)

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

{
  "account_id": "acct_3f8c9...",
  "from_date": "2026-04-01",
  "to_date":   "2026-04-30",
  "format":    "json"
}

// Response (excerpt, FDX Transaction shape)
{
  "statementId": "stmt_2026_04",
  "transactions": [
    {
      "transactionId": "txn_a91...",
      "postedTimestamp": "2026-04-03T14:11:00Z",
      "amount": -842.55,
      "currency": "USD",
      "description": "ACH PAYROLL EMPLOYER LLC",
      "category": "INCOME_OR_TRANSFER",
      "checkImage": null
    }
  ]
}

ACH batch & webhook

// Originate a NACHA batch
POST /v1/verabank/ach/batches
Authorization: Bearer <ACCESS_TOKEN>
Idempotency-Key: 2026-05-11-payroll-01

{
  "company_id": "VERA-ACME-001",
  "effective_date": "2026-05-13",
  "entries": [
    {"routing":"114920005","account":"0000123456","amount":3120.50,"type":"CHECKING"}
  ]
}

// Async webhook on state change
POST <your-callback>
{
  "event": "ach.batch.updated",
  "batch_id": "ach_77a...",
  "state": "approved",
  "approver_id": "user_treasury_2"
}

// Error handling: on HTTP 409 (duplicate idempotency) the
// server returns the existing batch instead of creating a new one,
// so clients can retry safely.

Regulatory framing

VeraBank is a US depository institution and therefore falls under CFPB Section 1033 — the Personal Financial Data Rights rule finalized in October 2024. As currently written, banks in the $10B–$250B bracket must comply by April 2027, with smaller institutions phased in afterward. Our deliverables map every field to the Financial Data Exchange (FDX) schema so customers do not need to re-platform when VeraBank turns on its own 1033 endpoints.

We additionally apply the Gramm-Leach-Bliley Act (GLBA) Safeguards Rule for data at rest and in transit, and follow FFIEC mobile-channel guidance for authentication.

What we will and will not do

• Only operate under documented public APIs or written end-user authorization
• Log every request with consent metadata (who consented, to what scope, when)
• Minimize fields to the scope the customer explicitly requested
• Provide a one-click revocation endpoint for the data subject
• We will not bypass MFA, scrape pre-login screens for protected data, or resell extracted records

About us

OpenFinance Lab is an independent technical studio focused on App interface integration and authorized API integration. Our team includes engineers from US community banks, payment gateways, mobile-protocol analysis and cloud platforms. We have hands-on experience with the Q2 digital banking stack, FDX field mappings, and CFPB Section 1033 forward-compatibility work.

• Payments, digital banking, lending and treasury workflows
• Enterprise API gateways, OAuth/token-chain analysis and security reviews
• Custom Python / Node.js / Go SDKs and pytest / Jest test harnesses
• End-to-end pipeline: protocol analysis → build → validation → compliance pack
• Source code delivery from $300 — receive runnable API source code and full documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — access our hosted API and pay only per call, no upfront cost; ideal for teams that prefer usage-based pricing

Contact

For quotes or to submit your target app and requirements, open our contact page:

Contact page

Engagement workflow

1. Scope confirmation: which integration scenarios and which API surfaces (login, balance, statements, ACH, wire, positive pay).
2. Protocol analysis and API design (2–5 business days, complexity-dependent).
3. Build and internal validation against a sandbox or authorized live account (3–8 business days).
4. Documentation, code samples, and pytest / Jest test cases (1–2 business days).
5. Typical first delivery: 5–15 business days; treasury approval flows and Positive Pay can extend timelines.

FAQ

What do you need to start a VeraBank integration project?

Is VeraBank covered by the CFPB Section 1033 open banking rule?

How long does a first VeraBank API drop take?

How do you handle authorization and compliance?