Kudos API integration & OpenFinance data services

1. Wallet aggregation API

A single endpoint returns every Kudos-linked card and depository account — Chase, Amex, Capital One, Bilt, PayPal Card and others — with balances, statement cycles, and interchange metadata. Useful for unified-wallet dashboards and net-worth engines.

2. Transaction-history API

Paginated transaction feed with date-range filters, MCC codes, card-id joins, and reward-multiplier tags. One documented use: syncing a family's cross-card spend into QuickBooks or Xero for annual tax categorization.

3. Card-benefit & credits tracker

Structured list of per-card perks (airline credits, Uber credits, streaming credits, Global Entry refunds) with expiry timestamps and redemption flags. Drives "don't leave money on the table" notifications and employer perk portals.

4. AI card-selection oracle

Given a merchant name, MCC, amount, and location, returns the highest-earning card in the user's wallet plus the estimated reward points — the same engine Kudos exposes in-app as "tap to pay with the right card".

5. Bill-negotiation jobs & savings ledger

Submit a provider + current bill, poll job status, receive outcome (e.g. $18/mo reduction on Xfinity). Useful for neobank copilots that want to bundle Kudos-style negotiation under their own brand.

6. Credit-score & cashback feed

Free credit-score time series (Spinwheel-backed on the app side) plus the cashback activation log and payout history across 15,000+ retailers — ready for financial-wellness scoring and retention analytics.

Scenario 1 — Neobank "super wallet" copilot

Context: A challenger bank wants to show "best card to swipe" suggestions inside its own checkout.
Data / API: Wallet aggregation + AI card-selection oracle + transaction-history API.
OpenFinance mapping: Under CFPB Section 1033, the consumer authorizes their issuers' data access through Plaid; the neobank consumes our Kudos-mirrored endpoints to return a card_id + est_points payload at point-of-sale.

Scenario 2 — Corporate expense reconciliation

Context: A mid-market finance team manages employee corporate cards plus personal cards used for travel.
Data / API: Transaction-history API with MCC/merchant filters, exported as CSV or pushed via webhook to NetSuite.
OpenFinance mapping: Pulls structured transactions (OpenData) instead of screen-scraping the mobile app; respects consented data-minimization.

Scenario 3 — Loyalty & benefits-expiry engine

Context: A loyalty SaaS wants to nudge cardholders before perks expire (the "$624/year forgotten" problem Kudos highlights).
Data / API: Card-benefit tracker + push-webhook for approaching expiry dates.
OpenFinance mapping: Structured benefit metadata shared under explicit user consent; ties into CRM journeys without exposing raw statements.

Scenario 4 — Credit-coaching & pre-qualification

Context: A credit-coaching startup needs a users' credit-score time series plus spend profile to recommend a new card.
Data / API: Credit-score feed + spending-insights feed + "Find your next card" output.
OpenFinance mapping: Data sourced through Spinwheel/Plaid bridges, exposed as read-only OpenData endpoints, refreshed on a daily ETL cadence.

Scenario 5 — Bill-negotiation as a service

Context: A utility-comparison marketplace wants to embed Kudos-style AI bill negotiation under its own brand.
Data / API: Create negotiation job → poll status → write outcome back to savings ledger.
OpenFinance mapping: Hybrid OpenData + action API — the consumer authorizes a third party to both read bills and initiate a negotiation on their behalf.

A. Authorize session (OAuth bridge)

POST /api/v1/kudos/auth/session
Content-Type: application/json

{
  "app_package": "com.joinkudos.kudos_mobile",
  "user_ref":    "u_8f2a...",
  "scopes":      ["transactions:read", "benefits:read", "recommendation:read"],
  "consent_id":  "cfpb1033_consent_2025q4"
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "expires_in":   3600,
  "refresh_token":"rt_4c11...",
  "linked_cards":  12,
  "linked_banks":  3
}

B. Transaction export (paginated)

GET /api/v1/kudos/transactions?from=2025-10-01&to=2025-10-31&card_id=card_amx_gold&cursor=abc123
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "transactions": [
    {
      "tx_id":      "tx_01J...",
      "card_id":    "card_amx_gold",
      "posted_at":  "2025-10-14T17:22:05Z",
      "merchant":   "Whole Foods Market",
      "mcc":        "5411",
      "amount":     82.47,
      "currency":   "USD",
      "reward_multiplier": 4,
      "est_points": 329
    }
  ],
  "next_cursor": "def456"
}

C. Best-card oracle + benefits webhook

POST /api/v1/kudos/recommend/best-card
{ "mcc":"5812","merchant":"Olive Garden","amount":58.20,"geo":"US-NY" }
-> { "card_id":"card_chase_sapphire","est_points":232,"reason":"3x dining" }

# Benefits webhook (subscribe once, receive per-expiry event)
POST https://your-app.example.com/webhooks/kudos-benefits
{
  "event":        "benefit.expiring",
  "user_ref":     "u_8f2a...",
  "card_id":      "card_amx_platinum",
  "benefit":      "uber_cash_monthly",
  "value_usd":    15,
  "expires_at":   "2025-10-31T23:59:59-04:00",
  "redeemed":     false
}

# Error handling
# 401 invalid_token       -> refresh via /auth/refresh
# 403 consent_revoked     -> re-prompt user, block further calls
# 429 rate_limited        -> exponential backoff, Retry-After header

Deliverables checklist

• OpenAPI 3.1 / Swagger specification for every endpoint
• Protocol & auth-flow report (OAuth bridge, token refresh, consent ledger)
• Runnable source for session, transactions, benefits, and best-card APIs (Python + Node.js)
• Automated tests (pytest / Jest) and Postman collection
• Webhook reference server and replay tooling
• Compliance guidance pack (CFPB 1033, CCPA, consent revocation playbooks)

Two engagement models

• Source code delivery from $300 — runnable API source code and full documentation; pay after delivery upon satisfaction.
• Pay-per-call API billing — access our hosted Kudos-mirror API and pay only for the calls you make, with no upfront cost; ideal for usage-based products.

Mix-and-match supported: start with pay-per-call, later take the source code in-house.

About us

We are an independent technical studio focused on fintech and OpenData / OpenFinance API integration. Our engineers come from consumer-bank issuer teams, card-network acquirers, mobile reverse-engineering labs, and cloud-data platforms. Across financial, e-commerce, travel, and social categories we have shipped transaction-export APIs, authorization mirrors, loyalty-sync connectors, and compliance tooling aligned with CFPB 1033, GDPR, and PSD2 expectations.

• Consumer-fintech, rewards, BNPL, and neobank integrations
• Enterprise API gateways, security reviews, and audit tooling
• Custom Python / Node.js / Go SDKs and ETL connectors
• End-to-end pipeline: protocol analysis → build → validation → compliance signoff
• Source code delivery from $300 — runnable API code and documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — hosted API endpoints with no upfront cost

Contact

For a Kudos scoping call, a sandbox key for our hosted API, or to request the source-code package, open our contact page:

Contact page

Please share the target app name (Kudos: Put Your Wallet to Work), the specific data types you need (e.g. transactions, benefits, credit score), and any sandbox credentials you already hold.

Engagement workflow

1. Scope confirmation — integration scenarios, target endpoints (login, transactions, benefits, best-card oracle, bill-negotiation).
2. Protocol analysis and API design — 2–5 business days, depending on mobile-client complexity.
3. Build & internal validation — 3–8 business days, including load and error-path testing.
4. Documentation, sample clients, and CFPB 1033 consent templates — 1–2 business days.
5. Typical first delivery: 5–15 business days; additional time may be required when third-party reviews (Plaid, Spinwheel) are in scope.

FAQ

What do you need from me?

How long does delivery take?

How do you handle compliance?

Can you also integrate MaxRewards, Rocket Money, or Monarch at the same time?