VitalSwap API integration services (Multi-Currency / USD)

Deliverables checklist

• OpenAPI 3.1 specification covering wallet, statement, FX-quote, card and payment-link endpoints
• Protocol and auth flow report (OAuth bearer, token refresh, device binding, signature headers)
• Runnable source for login, statement export and FX-quote APIs in Python and Node.js
• Webhook listener template for card events and Pay-With-VitalSwap status callbacks
• Automated tests (Postman / Newman / pytest) plus end-to-end documentation
• Compliance brief: KYC fields, US Money Transmitter posture, NDPR data handling, retention

Engagement options

• Source code delivery from $300 — receive runnable VitalSwap API source, OpenAPI doc and test plan; pay after delivery upon satisfaction.
• Pay-per-call hosted API — call our managed VitalSwap-compatible endpoints, no upfront fee, predictable per-request pricing.
• Custom retainer — for teams that need card-event reconciliation, accounting export pipelines or compliance reporting on a recurring basis.

1. Freelancer income consolidation

An accounting tool used by Nigerian and Ghanaian freelancers wants to ingest VitalSwap USD inflows alongside Upwork, Fiverr and Stripe earnings. We implement statement export with date-range filters, normalize counterparty fields, and emit a unified JSON stream into the customer's bookkeeping pipeline. This maps to OpenData — a structured per-user financial export — and replaces brittle CSV downloads.

2. Cross-border SMB checkout

A US Shopify merchant wants to accept Naira from Lagos customers and settle in USD. We extend the official VitalSwap WooCommerce/Shopify plugin: at checkout we call POST /payment-links, attach the order ID as the idempotency key, listen for payment.completed webhooks, mark the order paid, and reconcile USD settlement against the merchant ledger. This is an OpenFinance acquiring scenario across two payment rails.

3. AI-driven FX quote routing

A payroll provider routing salaries to African contractors wants the cheapest NGN→USD rate at the moment of payout. We poll VitalSwap's FX quote endpoint, compare the matched rate against Wise, Chipper Cash and a partner bank, and route the leg with the best landed cost. The AI-matched liquidity used by VitalSwap (advertised as 2–40% better than legacy rails) becomes one input in a multi-rail routing decision.

4. Card-spend feed for expense management

A startup issues VitalSwap virtual dollar cards to remote employees for SaaS subscriptions and ad spend. We subscribe to card authorization, capture and decline webhooks, push them into the company's expense tool, attach receipts, and flag anomalies in real time. Because VitalSwap cards work on Google Ads, Meta, Coursera, Netflix, Shein and AliExpress, this single feed covers most knowledge-worker spend.

5. Compliance & audit logging

A regulated fintech using VitalSwap as a sub-rail needs auditable evidence of every wallet transfer. We mirror the VitalSwap event stream into an immutable audit log (S3 + object lock), tag each record with consent ID and the user's KYC tier, and produce monthly reports aligned to BSA/AML and CBN reporting expectations.

Auth & session bootstrap

// Mirror app authorization for a VitalSwap account (pseudocode)
POST /api/v1/vitalswap/auth/login
Content-Type: application/json
X-Device-Id: 9f2c1e...

{
  "email": "freelancer@example.com",
  "password": "<hashed>",
  "otp": "482910"
}

// Response
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rt_4f...",
  "expires_in": 3600,
  "kyc_tier": 2
}

Statement export with FX legs

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

{
  "wallet": "USD",
  "from_date": "2026-04-01",
  "to_date":   "2026-04-30",
  "include_fx_legs": true,
  "page_size": 200
}

// Response (excerpt)
{
  "items": [
    {
      "id": "tx_01HZ...",
      "amount": "120.00",
      "currency": "USD",
      "type": "credit",
      "counterparty": "Upwork Payments",
      "fx": null
    },
    {
      "id": "tx_01J0...",
      "amount": "-45000.00",
      "currency": "NGN",
      "type": "swap",
      "fx": { "to_currency": "USD",
              "rate": "1490.50",
              "quote_id": "fxq_8a2..." }
    }
  ],
  "next_cursor": "eyJwYWdl..."
}

Card & payment-link webhook

// Inbound webhook from VitalSwap (signed)
POST /webhooks/vitalswap
X-Vitalswap-Signature: t=1714...,v1=ab9c...
Content-Type: application/json

{
  "event": "card.authorization",
  "data": {
    "card_id": "card_01HW...",
    "merchant": "GOOGLE *ADS",
    "mcc": "7372",
    "amount": "12.34",
    "currency": "USD",
    "status": "approved",
    "auth_id": "auth_..."
  },
  "created_at": "2026-05-02T08:14:22Z"
}

// Verify with HMAC-SHA256(secret, t + "." + body)
// Reject if drift > 5 minutes

Regulatory framing

VitalSwap operates under a US state Money Transmitter Licence framework (acquired in mid-2025) and partners with regulated banks for USD movement; on the African side it interoperates with Central Bank of Nigeria (CBN) digital-payment guidance. Integrations we deliver respect BSA/AML expectations, the Nigeria Data Protection Regulation (NDPR), and GDPR-equivalent consent and minimization patterns when EU users are in scope.

Operational guardrails

• Customer-authorized access only; written scope per data domain
• Token rotation, device binding and IP allowlists for production keys
• Field-level encryption for PII (full name, BVN, SSN, DOB) at rest
• Consent log retained for the lifetime of the integration plus statutory window
• Right-to-erasure path that propagates to derived stores and backups

About OpenFinance Lab

We are an independent technical studio specialising in mobile-app interface integration and authorized API integration. The team has shipped protocol analysis, OpenBanking and OpenData connectors across fintech, e-commerce, hospitality and OTT apps for clients in the US, UK, Europe, India and across Africa.

• Cross-border payments, digital banking, FX and card issuing
• Enterprise API gateways, signature schemes and security review
• Custom Python / Node.js / Go SDKs, OpenAPI specs and test harnesses
• Full pipeline: protocol analysis → build → validation → compliance handoff
• Source code delivery from $300 — receive runnable API source and full documentation; pay after delivery upon satisfaction.
• Pay-per-call API billing — access our hosted endpoints and pay only per call, no upfront cost.

Contact

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

Contact page

Typical response time: under one business day. We work in English by default; project documentation can be delivered bilingually on request.

Engagement workflow

1. Scope confirmation — data domains, scenarios and authorization model.
2. Protocol analysis and API design (2–5 business days, complexity-dependent).
3. Build and internal validation against a sandbox VitalSwap account (3–8 business days).
4. Documentation, samples, Postman collection and test cases (1–2 business days).
5. Typical first delivery: 5–15 business days; partner approvals or card-issuing reviews can extend timelines.

FAQ

What VitalSwap data and capabilities can be exposed through an API?

How long does delivery take?

How do you handle compliance for VitalSwap integrations?

Can you integrate Pay With VitalSwap into Shopify or WooCommerce?