KrediOne (360Kredi) API Integration & Open Finance Solution

Standard Deliverables

• Protocol & authorization flow analysis report (OAuth2, API keys, webhook security)
• OpenAPI / Swagger specifications with sample requests/responses
• Production-grade backend source code (Node.js / Python / Go) and SDK
• Automated test scripts, integration tests and deployment plan
• Compliance guidance (data retention, consent, privacy & KYC recommendations)

Example API: Initiate Loan Application (pseudo-code)

POST /api/v1/kredione/loan/apply
Content-Type: application/json
Authorization: Bearer <CLIENT_TOKEN>

{
  "user_id": "user_12345",
  "ktp_number": "3210123456780001",
  "full_name": "Ahmad Santoso",
  "amount": 3000000,
  "tenor_days": 91,
  "purpose": "Consumer",
  "bank_account": {
    "bank_code": "002",
    "account_number": "1234567890",
    "account_name": "AHMAD SANTOSO"
  },
  "consents": {
    "kyc": true,
    "credit_check": true
  }
}

Response: {"status": "PENDING", "application_id": "APP-20251019-0001", "estimated_disbursement": "2025-10-21T09:30:00+07:00"}

Schedule & Transactions

GET /api/v1/kredione/loan/{application_id}/schedule
Authorization: Bearer <ACCESS_TOKEN>

Response: {
  "application_id": "APP-20251019-0001",
  "principal": 3000000,
  "monthly_installment": 1037404,
  "installments": [
    {"due_date":"2025-01-10","amount":1037404,"status":"OPEN"},
    {"due_date":"2025-02-10","amount":1037404,"status":"OPEN"}
  ]
}

GET /api/v1/kredione/transactions?user_id=user_12345&from=2025-01-01&to=2025-10-31

Integration Guidance (Quick Start)

1. Provide the target scenario: loan disbursement, disbursement integration, repayment reconciliation or risk integration.
2. Sign necessary NDA and data usage authorization (if required).
3. We perform protocol analysis: header info, signatures, token flow, callback mechanisms (2–5 business days).
4. Development & internal validation: implement API/webhooks, test cases and sample data (3–10 business days).
5. Delivery: source code, OpenAPI docs, deployment & operations guidance, compliance reports and test records.

Typical initial deliverable cycle is 5–15 business days; complex integrations or those requiring regulatory approvals may take longer.

What We Need From You

• Target App name (KrediOne) and desired features
• Whether you already have integration credentials or a sandbox environment
• Compliance & data retention policies or internal audit requirements
• Need for localized risk controls or credit checks (e.g., native data sources)

Core Advantages & Compliance Assurance

• Implemented on client-authorized or public/partner APIs; compliant with Indonesian OJK & AFPI standards
• Data minimization, full audit logs, and support for consent export
• Fraud prevention recommendations: device fingerprinting, behavioral scoring, blacklist/whitelist strategies
• Deliver multi-language SDKs (Node/Python/Go) for rapid integration

Typical Integration Scenarios

Loan origination and approval, disbursement to customer banks, repayments and reconciliation, KYC/identity OCR, credit scoring and collections exports, and compliant reporting.

About Us

We are a technology studio focused on app protocol analysis and compliant API integration. Our team comes from mobile finance, payment gateways and risk management, delivering end-to-end integrations across multiple regions with OpenFinance/OpenBanking compliance.

• Supports Android/iOS protocol analysis and interface replication
• Deliverables include OpenAPI docs, sample code, test suites and compliance guidance
• Global reach with awareness of Indonesian regulatory landscape
• Transparent pricing: starting at $300, with pay-after-delivery options

Contact Us

To get a quote, submit a target App name and integration requirements via our contact page:

Visit Contact Page / Submit Request