DiDi Finanzas API Integration & Open Finance Solutions

For DiDi Cuenta, DiDi Préstamos and DiDi Card providing protocol analysis, OpenData/OpenFinance integration and runnable API source delivery.

From $300 · Pay on Acceptance
OpenFinance · OpenData · Protocol Analysis · SOFIPO / CNBV

Safely bring DiDi Finanzas' accounts, loans and card features into your backend

We provide protocol analysis-based access, login workflows (OAuth / Token / Session), loan eligibility checks, card applications and online onboarding (DiDi Cuenta) with runnable API implementations and documentation, compliant with local regulations.

Online Account Opening (DiDi Cuenta) — Automate onboarding simulations, form filling, KYC guidance, daily yield checks, and account funds synchronization.
Credit Services (DiDi Préstamos) — Credit limit checks, credit approvals flow, funding channels (CLABE / SPEI / OXXO) and repayment status callbacks.
Card Products (DiDi Card) — Card issuance, status and cashback analytics, MSI coupons management, notifications and dispute handling interfaces.
Transactions & Reconciliation — Transaction history with date/type filtering, exports to Excel/CSV/PDF for accounting reconciliation.
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Deliverables & Sample Artifacts

Standard Deliverables

  • OpenAPI / Swagger interface documentation and sample requests
  • Protocol & authorization flow analysis (login, token refresh, session management)
  • Runnable backend samples (Node.js / Python) with deployment guidance
  • Automated test scripts and Postman collections
  • Compliance recommendations and data minimization guidance

Sample: Transactions & Reconciliation (pseudo)

# POST /api/v1/didi/account/transactions
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'account_id': 'user_abc123',
  'from': '2025-09-01',
  'to': '2025-09-30',
  'type': 'CARD|PAYMENT|TRANSFER',
  'page': 1,
  'page_size': 100
}

Response: {
  'status': 'OK',
  'transactions': [ { 'id':'TXN001','date':'2025-09-05','amount':-125.50,'merchant':'Market A','type':'CARD'}, ... ],
  'next_page': 2
}

Integration Scenarios

Account aggregation, real-time payments, batch reconciliation, CSV/Excel reports, device binding and signature chains, and Open Finance consent flows.

Core Benefits

  • Global compliance with local regulations (CNBV, SOFIPO as applicable)
  • Production-ready SDKs and OpenAPI docs for quick rollout
  • OAuth/JWT/Session authorization and automated token refresh
  • Privacy-first: data minimization and consent management

Typical Integration Modules

  • Account login and token management (session refresh, device binding)
  • Transaction capture and reconciled export (DDA / boleto / PIX)
  • Real-time payment callbacks and reconciliation
  • Batch payments, batch exports and scheduled reports

API Integration Guidelines (Quick Start)

  1. Provide target app name and integration scope (e.g., onboarding, reconciliation, card payments).
  2. Confirm available interfaces or authorization channels (public API, partner credentials, or tokenized access from protocol analysis).
  3. Provide test accounts or allow protocol analysis in a controlled environment.
  4. Deliver API specs and sample clients; collect feedback for adjustments.
  5. Compliance checks and risk controls prior to go-live (KYC, data retention, logs).

Note: All work is performed under client authorization or public/partner API access; reverse-engineering language is reframed as protocol analysis/compatible implementation.

About Our Studio

We are a studio focused on App protocol analysis and open banking integration. Our team brings years of experience in mobile payments, banking IT and compliance, delivering compliant, reproducible API solutions and source code.

  • End-to-end delivery: protocol analysis -> development -> testing -> docs
  • Multi-language SDKs (Node.js / Python / Go) and deployment scripts
  • Privacy & compliance: KYC, data retention, consent management
  • Transparent pricing: starting at $300, payment after delivery upon acceptance

Contact Us

Ready to start? Submit the target App name and the required use cases; we will respond with a preliminary plan and quotation within 24 hours.

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Appendix: Original App Overview

This section contains the original app overview for reference only and not a contract or endorsement.

📱 DiDi Finanzas Official App Features (collapsible)

DiDi Finanzas is a Mexican financial services app offering loan facilities, a no-fee card, and online savings accounts. Features include quick online onboarding, credit limits, card applications and routine financial management.

  • DiDi Préstamos: Revolving credit and quick approvals
  • DiDi Card: Mastercard-based, cashback and MSI offers
  • DiDi Cuenta: Online savings with daily yields
  • Compliance & risk disclosures: Loans and cards include the necessary disclosures

Note: This collapsible content is for reference; actual integration should follow official API docs and client authorization.