Mi Ahorro — API Integration & OpenFinance Data Services

Income & Expense Log API

Mi Ahorro maintains a structured ledger of every income and expense entry the user creates. Each record carries an amount, category label (e.g. groceries, rent, salary), date, and optional note. The export API surfaces these as paginated JSON arrays, suitable for direct import into accounting platforms, personal finance dashboards, or spending-pattern ML models. Combined with date-range filtering, this becomes a granular statement feed without requiring bank-account access.

Savings Goal Progress API

Each goal object in Mi Ahorro stores a target amount, a current-balance figure updated with every contribution log, a target date, and a computed "amount remaining" field. An integration endpoint wrapping this data allows financial coaching apps, neobanks, or employer benefit platforms to surface progress widgets — for example, showing an employee how close they are to a holiday fund or emergency reserve goal in real time, without rebuilding the data model from scratch.

Loan & Debt Record Extraction

Mi Ahorro's debt module captures lender name, principal, outstanding balance, and payment frequency. Extracting this via API gives lending decisioning engines an instant view of a user's self-reported liabilities — a valuable complement to bureau data, especially in markets where formal credit history is thin. Debt-to-income ratios can be computed on the fly by combining this with the income log data from the same session.

Recurring Automation Data Feed

Users configure automation rules for salary credits, subscription debits, and fixed monthly payments. The API layer exposes this as a predictive cash-flow schedule: a structured list of future expected events with amount, direction (in/out), and recurrence pattern (weekly, monthly, annual). Payroll processors, subscription management tools, and cash-flow forecasting services can ingest this to predict liquidity gaps days before they occur.

Financial Health Analytics Export

Mi Ahorro aggregates user activity into chart-ready insight objects: category-level spending breakdowns, savings rate over time, and net worth trend. Our integration delivers these aggregates as structured JSON so that white-label financial wellness dashboards, HR benefit portals, or personal finance SaaS products can embed pre-computed insights without rebuilding the aggregation pipeline. This is particularly useful for B2B wellness products targeting employer-sponsored financial health programs.

Notification & Reminder Webhook Delivery

Mi Ahorro sends reminders tied to goal milestones and payment due dates. Our integration wraps these triggers as outbound webhooks so that third-party platforms — CRM systems, messaging bots, or customer success tools — can react in real time when a user hits a savings milestone or misses a recurring payment. This closes the loop between financial tracking and engagement automation without requiring the user to manually export any data.

1. User Authentication (Session Token)

Establish an authorized session for a Mi Ahorro user account to obtain the access token required for all subsequent data queries.

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

{
  "email": "user@example.com",
  "credential": "<hashed_or_token_form>",
  "device_id": "android-uuid-xxxx"
}

// Response 200 OK
{
  "access_token": "eyJhbGciOiJIUzI1...",
  "refresh_token": "dGhpc2lz...",
  "expires_in": 3600,
  "user_id": "u_8471930",
  "status": "ok"
}

// Error 401
{ "error": "invalid_credentials", "code": 401 }

2. Expense & Income Log Query

Retrieve paginated transaction records filtered by date range and entry type (income/expense). Each record includes category, amount, currency, and note.

// GET /api/v1/mi-ahorro/transactions
// Authorization: Bearer <access_token>

Query params:
  from_date=2025-01-01
  to_date=2025-12-31
  type=expense          // "income" | "expense" | "all"
  page=1&page_size=50

// Response 200 OK
{
  "total": 284,
  "page": 1,
  "data": [
    {
      "id": "txn_00421",
      "date": "2025-11-03",
      "type": "expense",
      "amount": 42.50,
      "currency": "USD",
      "category": "groceries",
      "note": "Supermarket",
      "recurring": false
    },
    ...
  ]
}

3. Savings Goal Status Feed

Fetch all savings goals for a user, including target amount, current accumulated amount, percentage complete, and target date for progress monitoring or coaching features.

// GET /api/v1/mi-ahorro/goals
// Authorization: Bearer <access_token>

// Response 200 OK
{
  "goals": [
    {
      "goal_id": "g_1192",
      "name": "Emergency Fund",
      "target_amount": 3000.00,
      "current_amount": 1240.00,
      "pct_complete": 41.3,
      "currency": "USD",
      "target_date": "2026-06-30",
      "status": "in_progress"
    },
    {
      "goal_id": "g_1193",
      "name": "Vacation — Cancún",
      "target_amount": 1500.00,
      "current_amount": 1500.00,
      "pct_complete": 100.0,
      "currency": "USD",
      "target_date": "2025-12-15",
      "status": "completed"
    }
  ]
}

4. Loan Register Extraction

Pull all active loan and debt entries including creditor name, original principal, outstanding balance, and payment frequency — suitable for DTI computation or debt consolidation decisioning.

// GET /api/v1/mi-ahorro/loans
// Authorization: Bearer <access_token>

// Response 200 OK
{
  "loans": [
    {
      "loan_id": "ln_0047",
      "creditor": "Personal loan — bank",
      "principal": 5000.00,
      "outstanding": 3200.00,
      "monthly_payment": 280.00,
      "currency": "USD",
      "frequency": "monthly",
      "next_due_date": "2026-05-01"
    }
  ],
  "total_outstanding": 3200.00
}

// Error 403 — token expired
{ "error": "token_expired", "refresh": true }

5. Webhook Registration — Milestone Events

Register a webhook endpoint to receive real-time push notifications when a user reaches a savings goal, misses a recurring payment, or logs a new transaction above a configured threshold.

// POST /api/v1/mi-ahorro/webhooks
// Authorization: Bearer <access_token>
// Content-Type: application/json

{
  "endpoint_url": "https://your-platform.com/hooks/mi-ahorro",
  "events": [
    "goal.completed",
    "transaction.created",
    "loan.payment_due"
  ],
  "secret": "wh_secret_xyz"
}

// Response 201 Created
{
  "webhook_id": "wh_8821",
  "status": "active",
  "events": ["goal.completed","transaction.created","loan.payment_due"]
}

// Inbound payload sample (goal.completed)
{
  "event": "goal.completed",
  "goal_id": "g_1193",
  "user_id": "u_8471930",
  "completed_at": "2025-12-15T09:14:22Z"
}

Relevant Regulations & Standards

• Brazil LGPD (Lei Geral de Proteção de Dados) — Brazil's comprehensive data privacy law requiring explicit consent, data minimization, and the right to access and erase personal data. Any integration pipeline ingesting Mi Ahorro user data for Brazilian users must comply with LGPD consent and retention requirements.
• Brazil Open Finance — BCB Resolution No. 400 — Establishes the governance and technical standards for Open Finance in Brazil. User-consented data sharing from personal finance apps aligns with the account-data portability principles enshrined in this framework.
• Colombia Open Finance Draft Decree (June 2025) — Colombia shifted from voluntary to mandatory Open Finance in 2025, requiring regulated entities to support standardized data-sharing APIs. Integrations targeting Colombian users should be designed with this evolving mandatory framework in mind.
• Chile Fintech Law — Open Finance Regulation (July 2024) — Chile finalized its open finance regulation in July 2024, with mandatory implementation beginning April 2026. This creates a framework for authorized third-party access to financial data, directly relevant to personal finance app integrations.
• GDPR (for EU-based deployments) — If a Mi Ahorro user is located in the EU or their data is processed by an EU entity, GDPR's lawful basis requirements, data subject rights, and cross-border transfer rules apply.

Our Compliance Approach

Every integration we build operates under documented authorization: either the end user's explicit consent to share their Mi Ahorro data with your platform, or use of officially documented and publicly available APIs. We do not deliver integrations that involve unauthorized account access, credential harvesting, or data collection beyond the user's stated consent scope.

• User-consent-first design: OAuth-style token flows, not credential storage
• Data minimization: only the fields your use case requires are extracted
• Retention guidance: recommended TTLs and deletion triggers for each data type
• NDA available for sensitive engagements
• Compliance documentation included in every source code delivery

What We Deliver

• API specification (OpenAPI / Swagger format)
• Protocol and auth-flow analysis report (token chain, refresh logic, session management)
• Runnable source code: Python, Node.js, or Go SDK for all integration modules
• Transaction, goal, loan, and automation API implementations with error handling
• Webhook delivery adapter for milestone and payment-due events
• Automated test suite and integration documentation
• Compliance guidance note covering LGPD, Chile Fintech Law, and GDPR where applicable
• Source code delivery from $300 — pay after delivery upon satisfaction
• Pay-per-call API billing — hosted endpoints, no upfront cost

About Our Studio

We are an independent technical studio specializing in app interface integration, authorized API integration, and Open Finance data extraction. Our engineers have backgrounds spanning mobile fintech, payment gateways, protocol analysis, and cloud data pipelines — with specific experience in the Latin American regulatory and app ecosystem.

• Personal finance, banking, and savings app integrations across LATAM
• Open Banking / OpenFinance protocol analysis and API delivery
• Custom Python / Node.js / Go SDKs and test harnesses
• Full pipeline: protocol analysis → build → validation → compliance review
• Two engagement models: source code delivery or pay-per-call hosted API

Contact Us

To request a quote or submit your Mi Ahorro integration requirements — including target data types, business context, and delivery format — visit our contact page. We typically respond within one business day.

Engagement Workflow

1. Scope confirmation — You specify which Mi Ahorro data types you need (transactions, goals, loans, automations) and your target use case. We confirm feasibility and agree on the delivery format (source code or hosted API).
2. Protocol analysis & API design — Our team analyzes the Mi Ahorro app's data flows and designs the integration schema. Typical duration: 2–4 business days.
3. Build & internal validation — We implement the agreed endpoints, run internal test suites, and verify all edge cases (token expiry, pagination, empty states). Typical duration: 3–7 business days.
4. Documentation & samples — We produce API docs, sample requests/responses, and a quickstart guide for your team. Duration: 1–2 business days.
5. Delivery & support — First delivery typically within 7–14 business days. Post-delivery support for integration questions included for 30 days.

FAQ