HelloMoney — OpenFinance & App-Protocol Integration

Bank-regulated eWallet (Asia United Bank) — we deliver secure API implementations for account access, QR payments, transfers, virtual cards and statement extraction.

Starting at $300
OpenData · OpenFinance · Protocol Analysis · eWallet Integration

Integrate HelloMoney features into your systems quickly and compliantly

We perform protocol analysis, authorized API integration and OpenData designs to expose HelloMoney capabilities (account balances, QR payments, InstaPay-like transfers, virtual cards, bill payments and statements) as developer-friendly APIs.

Account Binding & Session Handling — secure OAuth-like flow or token bridging to manage sessions and refresh tokens for long-lived integrations.
Balance & Statement Extraction — transaction history export (JSON / CSV / PDF), category tagging and pagination for reconciliation and accounting systems.
Payments & QR — QR PH / merchant QR pay flow, merchant settlement hooks, and split-payment scenarios for commerce partners.
Virtual Card & Card Controls — issue/view virtual card details, adjust limits, enable/disable contactless or international flags programmatically.
Request Proposal See Deliverables

What we deliver

Delivery Package

  • OpenAPI (Swagger) specification and sequence diagrams
  • Protocol & authorization analysis report (tokens, signatures, refresh logic)
  • Production-ready connector code (Node.js / Python) with Dockerfile
  • Test harness, Postman collection and automated test scripts
  • Data privacy & compliance checklist (consent, data minimization)

Example API (pseudo-code)

# Exchange user session and fetch balance (example)
POST /api/v1/hellomoney/exchange
Content-Type: application/json

{ 'auth_code': 'APP_AUTH_CODE_FROM_MOBILE', 'client_id': 'your_client_id' }

--response--
{ 'access_token': 'xyz', 'refresh_token': 'abc', 'expires_in': 3600 }

GET /api/v1/hellomoney/accounts/{account_id}/balance
Authorization: Bearer <access_token>

Response: { 'available_balance': 1250.50, 'currency': 'PHP', 'updated_at': '2025-10-01T08:32:00Z' }

Integration Scenarios

Common projects we deliver: merchant QR checkout, automated reconciliation (statements → ERP), virtual card orchestration for marketplaces, and balance-sync for loyalty/financial dashboards.

Core Benefits

  • Compliant implementations based on customer authorization and bank policies
  • Production-ready SDKs and example apps (Node/Python)
  • Fast delivery: MVP connectors in 5–12 business days (depends on complexity)
  • Ops-ready: monitoring, logging and secure key management guidance

Technical Approach

  1. Scope & data model workshop (1 day)
  2. Protocol analysis & authentication mapping (2–4 days)
  3. Connector development + unit tests (3–8 days)
  4. Integration testing & documentation (1–3 days)

API Integration Instructions (high-level)

  1. Provide HelloMoney app name and the exact features you need (balance, statements, QR payments, virtual card).
  2. We run a protocol analysis (app auth flow, token exchange, signature methods) using a consented device & test account.
  3. We produce an API spec and connector which you can deploy in your environment (Docker/Kubernetes).
  4. We supply Postman collection, automated tests, and a short runbook for security review.
  5. Optional: on-premise gateway or HSM integration for production key management.

Security & Compliance

All work is performed only with user consent or via publicly documented/authorized interfaces. We follow secure coding, encrypted storage, minimal data retention and provide privacy recommendations aligned with local banking regulations.

About Our Studio

We are a technical service studio specializing in mobile app protocol analysis and authorized API integrations. Our team combines fintech, mobile engineering and security experience to deliver production-ready connectors, OpenAPI specs and operational runbooks.

  • End-to-end delivery: protocol analysis → implementation → tests → docs
  • Cross-platform expertise: Android & iOS protocol flows
  • Transparent pricing: projects from $300, pay on satisfaction option

Contact & Next Steps

Ready to proceed? Click below to view contact details and submit your HelloMoney integration requirements (app package id and features).

Contact Us / Request Quote

Typical start: provide the app package id and a short list of required APIs. We'll return a proposal and timeline.

📱 HelloMoney (Asia United Bank) — Original App Description (collapsed)

HelloMoney by Asia United Bank is a hassle-free eWallet-focused app for the Philippines. It promotes fast account opening (face verification), prepaid bank accounts with no initial deposit or maintaining balance, and everyday features for Filipino users.

  • Open a prepaid bank account anytime with selfie-based identity verification.
  • Transfer funds 24/7 via InstaPay (low fees) and generate or scan QR PH codes for payments.
  • Cash-out options through partner networks such as Cebuana Lhuillier, Palawan, LBC and AUB branches.
  • Buy mobile load and pay bills; use virtual Mastercard for online shopping.
  • Optional physical ATM card for BancNet ATM/POS withdrawals.
  • Designed for fast onboarding: account creation reportedly takes around 10 minutes after selfie verification.

For support, users rely on in-app customer service and standard bank channels.