Banksalad API & MyData integration services

Protocol analysis, MyData 2.0 endpoints, household-ledger sync and OpenFinance source for 뱅크샐러드 (com.rainist.banksalad2)

From $300 · Pay-per-call available
OpenData · OpenFinance · MyData 2.0 · Korean fintech protocol analysis

Bring Banksalad household-ledger, asset and product-comparison data into your own stack

Banksalad (운영사 Rainist, package com.rainist.banksalad2) is a Financial Services Commission–licensed MyData operator that aggregates 1,400+ Korean financial products, every linked bank account, card statement, loan, insurance contract and — since the company entered healthcare data services — non-face-to-face genetic checkup records. Our team delivers compliant API and protocol-analysis work so this consolidated view becomes programmatically accessible to your back office, ERP, accounting tool, credit engine or analytics warehouse.

Household-ledger transaction API — Pull the auto-classified income, spend and transfer feed (the ledger that Banksalad fills "down to 1 won"), including Kakao Pay Money and Toss Pay Money lines, with category, merchant and budget tags.
Net-worth & asset aggregation — Fetch the consolidated balance sheet (accounts, cash, cards, loans, deposits, securities) that powers Banksalad's home dashboard, ready for accounting reconciliation or wealth reporting.
Product-comparison feed — Programmatic access to credit-card cashback events, the 125-loan rate table, mortgage comparisons and direct car-insurance quotes that Banksalad refreshes daily.
Health & genetic vouchers (optional) — Where authorised, surface the Teragen-Health backed test-result objects (150+ markers) for digital-health platforms.

What we deliver

Deliverables checklist

  • OpenAPI / Swagger specification for every exposed Banksalad surface
  • Protocol & auth-flow report (OAuth, refresh token chain, device binding, certificate pinning notes)
  • Runnable Python and Node.js source for login, ledger, asset and product-comparison endpoints
  • Postman / Bruno collections plus pytest / vitest fixtures
  • Compliance brief: Korean Credit Information Act, PIPA and MyData 2.0 obligations
  • Deployment notes for self-hosting or our hosted pay-per-call gateway

Engagement models

Two ways to work with us, picked per project:

  • Source-code delivery from $300 — runnable repository, docs and test plan; payment after acceptance.
  • Pay-per-call hosted API — consume the same endpoints via our gateway and pay only for successful calls; no upfront fee.

Data available for integration (OpenData inventory)

The matrix below maps the most commonly requested Banksalad surfaces to where they originate inside the app, the granularity at which they can be retrieved, and a typical downstream use. Field names are illustrative and follow Korean MyData 2.0 conventions.

Data typeSource (screen / feature)GranularityTypical use
Household-ledger entries가계부 (auto-classified income / expense / transfer feed)Per-transaction; 1 KRW precision; category, merchant, memoAccounting reconciliation, expense automation, budgeting tools
Linked-bank balances홈 자산 dashboard (18 banks via Korea Open Banking)Account-level, refreshed on demandNet-worth dashboards, KYC top-up checks, treasury sync
Card statement & cashback카드 / 카드 비교 modulePer-line items, MCC, benefit accrualLoyalty/rewards engines, T&E expense reports
Loan portfolio & repayment schedule대출 비교 + 대출 관리Per-contract: principal, rate, due date, refinancing offersCredit-risk modelling, refinancing alerts, debt-advice apps
Mortgage & insurance quotes주담대 비교 / 자동차 보험 비교Indicative rates, coverage matrixEmbedded comparison widgets, broker dashboards
Net-worth time series자산 변화 그래프Daily snapshot, asset class break-downWealth-management apps, robo-advisor onboarding
Health / genetic voucher metadata건강 검진 / 유전자 검사 (Teragen Health partnership)Voucher status, marker categoriesHealth-insurance underwriting, wellness platforms

Typical integration scenarios

1. Cross-border accounting sync

A Singapore-based holding company reconciles Korean subsidiaries' household-ledger feeds into a single ledger. Banksalad's auto-categorised KRW transactions flow through our normalisation layer (category_normalised, fx_rate_at_post) into Xero, NetSuite or QuickBooks. This is the core OpenFinance pattern: customer-consented data leaves the source app and lands in a downstream book of record.

2. Embedded loan refinancing

A neobank embeds Banksalad's 125-loan rate comparison and the user's existing-loan portfolio behind a single CTA. When a cheaper rate is detected, our webhook fires loan.refi.opportunity and the partner triggers a one-minute switch flow — exactly the experience Banksalad's own app surfaces, now portable to any front-end.

3. Wealth dashboard for advisors

An advisor platform pulls the consolidated 자산 view (cash, deposits, securities, loans) from Banksalad MyData feeds across a household. Daily net-worth deltas drive rebalancing suggestions. Field-level permissions let clients hide specific accounts before sharing — fully compliant with MyData 2.0 minimum-necessary rules.

4. Credit underwriting decision feed

A lender consumes anonymised spend and repayment patterns to refine its scorecard. The integration uses pseudonymisation under PIPA (개인정보보호법) and the FSC's MyData Secure Provision System, ensuring third-party use is logged and revocable. Use cases include thin-file applicants and SME credit lines.

5. Subscription & fixed-cost optimisation

A SaaS that helps users cut subscriptions reads recurring lines from the ledger (insurance premiums, streaming, telco), classifies them, and offers cheaper alternatives. Banksalad already exposes "annual fixed cost" analytics in the 2025 Money Report — our integration lets a partner surface the same insight inside its own product.

Technical implementation

The snippets below illustrate three of the most common surfaces. They follow Korean MyData 2.0 token semantics (consent token, 1-year refresh ceiling) and our own normalised response envelope.

Login & consent (OAuth 2.0 + MyData consent token)

POST /api/v1/banksalad/oauth/token
Content-Type: application/x-www-form-urlencoded

grant_type=authorization_code
&code=<CONSENT_CODE>
&client_id=<PARTNER_ID>
&redirect_uri=https://your.app/cb

→ 200 OK
{
  "access_token": "...",
  "refresh_token": "...",
  "consent_token": "...",
  "scopes": ["ledger.read","assets.read","loans.read"],
  "expires_in": 1800
}

Household-ledger query

POST /api/v1/banksalad/ledger/transactions
Authorization: Bearer <ACCESS_TOKEN>
X-Consent-Token: <CONSENT_TOKEN>

{
  "from_date": "2026-04-01",
  "to_date":   "2026-04-30",
  "include":   ["category","merchant","budget"],
  "page_size": 200
}

→ {
  "items": [
    {"id":"tx_…","amount":-12800,"currency":"KRW",
     "category":"식비/카페","merchant":"스타벅스",
     "posted_at":"2026-04-12T08:14:02+09:00"}
  ],
  "next_cursor": "…"
}

Net-worth snapshot & webhook

GET /api/v1/banksalad/assets/networth?as_of=2026-04-30
Authorization: Bearer <ACCESS_TOKEN>

→ {
  "total_assets_krw": 184_320_000,
  "total_liabilities_krw": 62_500_000,
  "net_worth_krw": 121_820_000,
  "breakdown": { "deposit":…, "card":…, "loan":… }
}

# Webhook (delivered when MyData refresh lands)
POST https://your.app/webhooks/banksalad
{ "event":"assets.refreshed", "user_id":"u_123",
  "delta_krw": +320_000, "ts":"2026-05-04T03:00:00Z" }

Compliance & privacy

Korean regulatory framework

Banksalad operates as a licensed MyData provider under Korea's Financial Services Commission MyData 2.0 plan (April 2024), which places clear duties on any third party touching financial credit information. Our integrations follow the Credit Information Act (신용정보법), the Personal Information Protection Act (PIPA, 개인정보보호법), and the January 2025 amendment that requires use of the MyData Secure Provision System for sales of MyData to other parties. Scraping is explicitly avoided in favour of the standardised API channel that went fully live on 5 January 2022.

Operational guardrails

  • Per-scope consent tokens with revocation endpoint
  • End-to-end TLS 1.3 and token rotation; no on-server secrets cache
  • Audit log of every data pull (who, what, when, scope)
  • Data minimisation: only fields the partner declared are returned
  • NDAs and DPA templates aligned with Korean and EU norms

Data flow & architecture

A reference pipeline looks like this:

  1. Banksalad client (Android / iOS) — user authorises the partner via Korea MyData consent screen.
  2. Ingestion gateway — receives OAuth callback, mints consent token, normalises responses, applies retry / pagination logic.
  3. Storage & pseudonymisation layer — encrypted at rest, pseudonymised IDs under PIPA Article 28; raw PII never leaves Korea unless cross-border transfer rules are met.
  4. Analytics or API output — partner consumes a unified schema (transactions, balances, loans, products) via REST, GraphQL, or webhook; dashboards, ERPs and credit engines plug in here.

Market positioning & user profile

Banksalad is operated by Rainist (founded 2012, Seoul) and reached 1.5 million monthly active users by early 2019, growing into a top-tier MyData provider after the 2022 launch of API-based MyData. Its primary users are Korean retail consumers aged 20–50, with a growing professional and SME tail interested in tax-time exports and cashback optimisation. The platform is mobile-first on Android and iOS, with little web presence — making protocol analysis essential for any B2B integration. Reported assets-under-aggregation reach into the trillions of won, and the company expanded into healthcare data (genetic checkups via Teragen Health) and the 2025 Money Report annual analytics product, which surfaces fixed-cost and category insights for every connected user.

Screenshots

Click any thumbnail to enlarge.

Banksalad screenshot 1 Banksalad screenshot 2 Banksalad screenshot 3 Banksalad screenshot 4 Banksalad screenshot 5 Banksalad screenshot 6 Banksalad screenshot 7 Banksalad screenshot 8

Similar apps & the wider Korean OpenFinance landscape

Many teams that engage us about Banksalad already work with one or more of the apps below. Our adapter layer normalises authentication and field shapes so a unified schema covers them side-by-side — useful when an end customer holds money and data across several Korean fintech platforms.

Toss (토스) — Viva Republica's super-app for transfers, investments and credit — primary peer for transaction and balance feeds; teams often request Banksalad+Toss unified ledger exports.
Kakao Bank (카카오뱅크) — Digital-only bank with millions of accounts; pairs naturally with Banksalad for full-stack savings and transfer history.
Kakao Pay (카카오페이) — Wallet, QR pay and Kakao Pay Money; Banksalad's ledger already classifies Kakao Pay Money lines, so unified exports are a frequent ask.
Naver Pay (네이버페이) / Naver Financial — Loyalty, point and merchant-payment data; complements Banksalad's spend-category view.
PAYCO (페이코) — NHN's payment and benefits app — common companion data set for cashback comparison.
KB Pay — KB Kookmin Bank's all-in-one wallet; integrators often consume KB Pay alongside Banksalad's MyData feed for retail-banking use cases.
Finnq (핀크) — KT/Hana's financial wellness app; another MyData operator, useful as a data peer.
Finda (핀다) — Loan-comparison platform; intersects with Banksalad's 125-loan rate table for refinancing scenarios.
Fount (파운트) — Robo-advisor; consumes asset-aggregation data similar to what Banksalad exposes via MyData.
Mint by Shinhan / Shinhan SOL — Major bank app whose accounts often appear inside Banksalad's net-worth view.

About OpenFinance Lab

We are an independent technical studio focused on App interface integration and authorized API integration. The team has shipped integrations across Korean, Japanese, Southeast-Asian and European fintech apps, mixing protocol analysis, OAuth flow reverse engineering, MyData / Open Banking adapters and data-warehouse plumbing. We pay attention to local rules — FSC for Korea, MAS for Singapore, FCA for the UK — and keep delivery practical rather than academic.

  • Mobile (Android / iOS) protocol analysis and SDK output
  • OAuth / mTLS / device-binding bring-up
  • Custom Python, Node.js and Go SDKs with test harnesses
  • Source-code delivery from $300 — runnable repo, docs, pay-after-acceptance
  • Pay-per-call hosted gateway — usage billing, no upfront commitment

Contact

Send us the target app and the scope of data you need. We reply with a feasibility note and a fixed price within one business day.

Open contact page

Two engagement models: source-code delivery from $300, or pay-per-call hosted API.

Engagement workflow

  1. Scope confirmation: which Banksalad surfaces (ledger, assets, loans, products, health) and which downstream system.
  2. Protocol analysis & API design (2–5 business days for a single surface; longer for multi-MyData stacks).
  3. Build, sandbox validation and consent-flow test harness (3–8 business days).
  4. Documentation, sample collections, automated tests (1–2 business days).
  5. First runnable drop in 5–15 business days; partner-side approvals or third-party MyData on-boarding may extend the schedule.

FAQ

What do you need from me to start a Banksalad integration?

The target app name (Banksalad / 뱅크샐러드 — already provided), a concrete data scope (e.g. household-account ledger, linked-bank balances, card spending categories, loan comparison results), and any sandbox or partner credentials you already hold under Korea's MyData licensing or open banking access.

How long does delivery take?

A first runnable drop covering login, statement and household-ledger endpoints typically lands in 5–12 business days. Multi-institution MyData aggregation, healthcare or genetic-data pipelines, or end-to-end webhook stacks can extend the timeline to 3–4 weeks.

How do you handle Korean MyData and PIPA compliance?

We operate under customer authorization and the Credit Information Act (신용정보법) framework supervised by the Financial Services Commission. Scraping is avoided in favour of standardised MyData 2.0 APIs; consent records, retention windows, and the MyData Secure Provision System are honoured for any third-party data movement.

Can the same code base be reused for Toss, Kakao Pay or Naver Pay?

Yes. Our adapter pattern abstracts authentication, pagination, and field normalisation, so a Banksalad adapter sits next to Toss, Kakao Pay, Naver Pay, KB Pay, PAYCO and Finnq adapters in the same SDK, exposing a unified transaction and balance schema.
📱 Original app overview (appendix — Banksalad / 뱅크샐러드)

Banksalad — operated by Rainist (Seoul) and trading as 뱅크샐러드 — is one of Korea's most-used personal finance apps. Originally launched as a credit-card recommendation tool, it expanded over the past decade into asset aggregation, household-account automation, loan and mortgage comparison, direct car-insurance quoting, credit-score management, and most recently digital health.

  • Credit cards — compares all card-company cashback events, recommends the maximum-benefit card from the user's spending pattern, and lets users issue the card immediately.
  • Loans — compares 125 loan products at the lowest interest rate, distributes interest-rate coupons (also valid for refinancing), shows repayment schedules, and supports same-day deposits at the lowest available rate.
  • Home mortgages — first-financial-sector mortgage comparison reflecting the latest interest rates and regulations for purchase, business and lease-exit purposes.
  • Direct car insurance — compares multiple direct-channel policies for the same coverage at lower prices.
  • Asset management — single-pane view of accounts, cash, cards and loans; net-worth tracking; loan and savings diagnostics. Connects without a PC via the mobile MyData flow.
  • Household account book — automatic income / expense / transfer entry classified to 1 KRW precision, including Kakao Pay Money and Toss Pay Money lines, with custom categories, budgets and editable details.
  • Free health checkup — first-come-first-served daily 10:00 KST genetic test (150+ markers covering nutrition, athletic ability, hair-loss risk and more) at home; gift vouchers also available.

Security & privacy posture (per the app's published terms): genetic-test data is processed by Teragen Health under a strict information-protection regime and is never shared with third parties beyond Banksalad's stated health-management purpose. Banksalad holds personal credit-information business authorisation from the Financial Supervisory Service and electronic-signature certification from KISA. Customer secrets — public certificates, passwords, financial-institution credentials — are encrypted on the user's device rather than on Banksalad servers, and the entire transport layer between device and server is encrypted. Personal data required to connect financial assets is used only for inquiry and is not persisted on the internal server. Optional access permissions (phone, notifications) can be declined without losing core functionality, in line with Korean Personal Information Protection regulations.

Indicative loan-product disclosure (from the app): loan limit 1 million – 2 billion KRW; period 12–480 months; integrated rate range 2.56% – 19.9% per annum; example — 1 million KRW at 6.5% APR repaid in 12 equal monthly instalments costs 1,035,557 KRW total (86,296 KRW / month). Actual terms vary by product and repayment method.

Service inquiries — within the app via [전체] → 고객센터 or [홈] → 고객센터 (top-right ☰), or by email to hello@banksalad.com. The 'Banksalad Customer Center' page on Naver also hosts a public FAQ.

Last updated: 2026-05-04