DBS digibank — OpenFinance Protocol Analysis & API Integration

Providing compliant, reusable API implementations: account binding, transaction streams, cross-border remittance, and wealth data integration.

Starting at $300
OpenData · OpenBanking · Protocol Analysis

Securely connect digibank accounts and wealth capabilities to your system

We decompose digibank’s authorization and data flows at the protocol level, delivering runnable API source code, OpenAPI documentation, and compliance guidance to support enterprise open banking integrations under MAS and local privacy frameworks.

Account binding (secure authorization) — supports OAuth / token-based sessions with multi-factor authentication, including data minimization strategies and audit logs.
Transaction streams & reconciliation — extract transactions, periodic reconciliation, categorization, and export (JSON/CSV/Excel), with paging and time-window search.
Cross-border remittance & DBS Remit — automate transfers, track status, and synchronize receipts, with transparent exchange rates and fees.
Wealth data — fetch investment portfolios, term deposits, wealth management advice, and goal management data for wealth products integration.
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What we deliver

Standard deliverables

  • OpenAPI / Swagger interface specifications
  • Protocol and authorization flow analysis (OAuth2 PKCE, MFA, token refresh)
  • Runnable backend samples (Node.js / Python) with SDKs
  • Automated test scripts and Postman collections
  • Compliance recommendations (data minimization, audit logs, consent records)

Interface example: transactions export (pseudo-code)

# pseudo-code: fetch transactions after authorization
POST /api/v1/dbs/link
Content-Type: application/json
{
  'user_id': 'your_user_id',
  'redirect_uri': 'https://your.app/callback',
  'scopes': ['accounts.read','transactions.read']
}

# Callback then exchange code for access_token
POST /oauth/token
grant_type=authorization_code&code=&client_id=&client_secret=

# Call transactions API
GET /api/v1/accounts/{acct_id}/transactions?from=2025-09-01&to=2025-09-30
Authorization: Bearer 

Response:
{
  'transactions': [ { 'id':'T123','date':'2025-09-10','amount':-120.50,'desc':'POS - Grocery','balance':5432.10 } ]
}

Advanced integration options

Support real-time webhooks, incremental sync, offline tasks retry, and seamless integration with third-party KYC / ERP systems.

About us

We are a studio focused on mobile app protocol analysis and compliant API integration. Our team combines fintech, banking, and security experience to deliver deployable OpenFinance interfaces with compliance in mind.

  • Android / iOS protocol tracing and authorization workflow support
  • OpenAPI documentation, SDKs, and sample code
  • Compliance guidance and data minimization strategies
  • Transparent pricing: starting at $300, option to pay on delivery

Contact us

Ready to start? Submit the target app package and integration requirements via our contact page.

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📱 Original App — DBS digibank quick functionality (collapsed)

Below are user-facing features highlights used as reference for our protocol analysis and interface design (sourced from public information):

  • Quick start: set up digibank in 3 minutes (registration / MyInfo / digital token)
  • Everyday banking: view balances, multi-currency deposits, apply for loans and credit cards
  • Cross-border remittance: DBS Remit supports same-day transfers, zero fees in certain cases
  • Smart services: personalized insights, bill reminders, duplicate payment detection and digital token validation
  • Payments ecosystem: seamless PayNow/PayLah!, fast transfers and social payments
  • Investments and goals: digiPortfolio, asset overview, mortgage scenarios and long-term planning tools
  • Sustainable features: tracking and participation in green investing and offers

Official contact: DBS Bank India Limited, Capital Point, Connaught Place, Delhi — Customer care: customercareindia@dbs.com. This collapsed section provides a product overview for technical integration references.