Modak: Kids & Teens Banking — API & OpenFinance integration

1. Authentication & family graph

We mirror the Modak login flow (email / phone OTP, device binding, refresh token rotation) and surface a family object that includes the parent user, one or more child profiles, and the Visa card reference attached to each child. Use it to keep SSO, CRM, or household analytics in sync without re-asking users to log in.

2. Visa card transaction export

Paginated /transactions endpoint with date range, child filter, status (posted / pending / declined), and channel (in-store, e-commerce, Apple Pay, Google Pay). Used for reconciliation, family-budget dashboards, and tax/audit exports to CSV, XLSX, or JSON.

3. Chores & allowance automation

Read chore templates, recurring cadence (weekly / bi-weekly / custom), pending parental approvals, and auto-triggered payouts. Write-back support lets partner platforms (school apps, habit trackers) push new chores into Modak on a parent's behalf after consent.

4. Savings goals & MoGold boost

Expose each child's active goals, target amount, progress percentage, parental top-ups, and — for MoGold subscribers — the 4% annual savings boost accruals. Ideal for goal-oriented reporting and "jar-based" financial literacy integrations.

5. MBX rewards ledger

Earn events (5,000-step days, challenges, scratch cards, chores) and burn events (100 MBX = $1 payouts to card) with timestamps and source codes. Useful for engagement analytics, partner rewards, or feeding a separate gamified loyalty layer.

6. Parental safety webhooks

Real-time events: child swipe notifications, card freeze/unfreeze actions, balance thresholds, and Get Paid link usage. Delivered as signed HTTPS webhooks so dashboards, parental-control suites, or SIEMs can react in under a second.

A. Family-budget aggregator

Context: a personal finance dashboard wants to show all family spend in one place. Data: Modak parent-wallet ledger + each child's Visa card transactions + Get Paid link deposits. OpenFinance mapping: we normalise Modak's feed into a Section 1033-style account → transactions structure so it slots next to Plaid/MX/Finicity sources without special-case code.

B. Chore-to-allowance edtech sync

Context: a school-side app tracks homework and chores; parents want the completion to pay out automatically on the Modak card. Data: Modak chores CRUD + approval webhook. Flow: edtech posts a completed chore → our middleware signs the request on the parent's behalf → Modak marks approved → payout event echoes back via webhook for the gradebook.

C. MBX behavioural-finance analytics

Context: a research / financial-literacy product correlates healthy habits with savings. Data: MBX earn events (5,000-step days, challenges) + savings-goal deltas. Mapping: we stream MBX as a time-series alongside goal progress so data teams can measure, for example, whether 30-day step streaks lift contributions to a goal.

D. Parental safety / insurtech

Context: a cyber or identity insurance product wants to trigger on card anomalies. Data: Modak real-time spend notifications + freeze/unfreeze state + Get Paid link usage. Webhook payloads feed a rules engine; suspicious spikes auto-lock the child card and open a claim draft.

E. MoGold revenue & churn reporting

Context: a family-finance publisher runs affiliate campaigns for premium plans. Data: MoGold subscription state, cashback accrual, free-instant-funding usage vs. the $25/mo fee-waiver cap. We deliver a daily aggregated JSON so marketers can attribute conversions and measure lifetime value per household.

Deliverables checklist

• OpenAPI 3.1 specification for every exposed endpoint
• Protocol & auth report (token lifecycle, device binding, refresh rotation)
• Runnable reference server in Python (FastAPI) or Node.js (NestJS)
• Postman collection + recorded HAR traces
• Automated smoke tests, rate-limit guidance, and error taxonomy
• Data-minimization & retention playbook aligned with GLBA + CFPB §1033

Sample 1 — Authenticated login

POST /api/v1/modak/auth/login
Content-Type: application/json

{
  "email": "parent@example.com",
  "password": "<hashed>",
  "device_id": "A1B2-...-9F",
  "otp": "493021"
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rt_9f2e...",
  "expires_in": 1800,
  "family_id": "fam_78123",
  "profiles": [
    {"role":"parent","user_id":"usr_01"},
    {"role":"child","user_id":"usr_02","card_id":"card_vx_01"}
  ]
}

Sample 2 — Child transaction statement

GET /api/v1/modak/child/{child_id}/transactions
  ?from=2026-03-01&to=2026-03-31
  &channel=apple_pay,google_pay,pos,ecom
  &cursor=eyJwYWdlIjoyfQ==
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "items": [
    {
      "txn_id":"txn_88a1",
      "posted_at":"2026-03-15T14:21:03Z",
      "amount_cents": -1299,
      "currency":"USD",
      "merchant":"ROBLOX *PREMIUM",
      "mcc_hint":"7372",
      "channel":"ecom",
      "status":"posted",
      "mogold_cashback_cents": 26
    }
  ],
  "next_cursor": null
}

Sample 3 — Chore approval webhook

POST https://your-app.example.com/webhooks/modak
X-Modak-Signature: t=1711981200, v1=3a...f0

{
  "event":"chore.approved",
  "family_id":"fam_78123",
  "chore_id":"chr_walk_dog",
  "child_id":"usr_02",
  "approved_by":"usr_01",
  "amount_cents": 500,
  "schedule":"weekly",
  "mbx_awarded": 15,
  "occurred_at":"2026-03-18T18:04:11Z"
}

Regulatory anchors

Modak operates in the U.S. through Legend Bank, N.A. (Member FDIC). Our integrations are built to align with the Gramm-Leach-Bliley Act (GLBA) safeguards rule, the CFPB's Personal Financial Data Rights rule under Dodd-Frank Section 1033 (finalised in 2024) — which mandates structured, machine-readable access to consumer transaction and account data — and the spirit of COPPA where minors are involved, even though parents sign the contract. When clients operate internationally we also layer GDPR (EU) and UK Data Protection Act controls on top of the same feed.

Practical controls we ship

• Explicit consent capture per family + per data surface (transactions, chores, MBX)
• Scoped, revocable access tokens with short TTLs and refresh rotation
• Field-level minimisation: PAN, DOB of minors, and precise geo are redacted by default
• Audit log of every outbound call, signed and retained per client policy
• Incident response hooks: card freeze-on-anomaly, consent revocation propagation

Greenlight

Market-leading family money & safety app (9M+ downloads) with chore tracking, teen investing, and a Level Up financial-literacy game. Data worth integrating: allowance schedules, investment account positions, and real-time spend alerts.

GoHenry (Acorns Early)

Rebranded under Acorns, with 5M+ downloads and prepaid cards for ages 6–18. Integration targets: Money Missions progress, fee-free international transactions, and goal balances that complement Modak's MBX ledger.

Step

Teen-focused banking with a Visa card, no monthly fees, and credit-building on everyday spend. Integrators usually want its transaction feed and credit-building signals alongside Modak's chore/allowance events.

Till Financial

Family-debit app emphasising collaborative budgeting between parent and teen. Comparable data: shared budget lines, spend rules, and card transactions — a natural merge candidate with Modak card data.

Current

Neobank with teen accounts, fee-free overdraft, and high-yield savings pods. Households that also use Current typically need unified transaction exports across Current and Modak.

FamZoo

Veteran virtual-family-bank service with sub-accounts per child. Data surfaces: IOU ledgers, parent-paid interest, and chore-based cashflow that slot into the same Section 1033 pattern we use for Modak.

BusyKid

Chore-first allowance app with save / spend / share / invest jars. Integrators align BusyKid's jar allocations with Modak's savings goals to build a multi-provider chore-to-savings view.

Copper

Teen-independence banking for ages 13–17 with direct deposit and spending analytics. Typically merged with Modak data to cover the transition from a parent-controlled to a teen-independent account.

Goalsetter

Family-savings and financial-literacy app with quiz-based learning and goal jars. Comparable data points: goal contributions and quiz-driven rewards, which pair cleanly with Modak MBX behavioural events.

Who we are

We are an independent engineering studio specialising in App interface integration and authorised API integration for mobile fintech. Our engineers have shipped production systems at banks, payment processors, and neobanks, and we have recurring experience with Section 1033-style OpenFinance data feeds, kids-and-teens products, and bank-fintech partnership stacks like the Legend Bank / Modak model.

• Mobile protocol analysis (iOS & Android), certificate pinning, and session replay
• OpenAPI, GraphQL, and webhook gateway design
• Runnable SDKs in Python, Node.js, Go, and Kotlin
• End-to-end pipeline: scope → reverse engineering → build → tests → compliance sign-off
• Source code delivery from $300 — receive runnable API source code and full documentation; pay after delivery upon satisfaction.
• Pay-per-call API billing — access our hosted API and pay only per call, no upfront cost, ideal for teams that prefer usage-based pricing.

Contact

Send us the target app (Modak, in this case), the exact data surfaces you need (for example: child transaction feed + chores webhook), and any existing sandbox credentials. We return a scoped quote within one business day.

Open contact page

Preferred engagement models: fixed-price source-code delivery (from $300) or metered pay-per-call hosted API. NDAs and DPA templates available on request.

Engagement workflow

1. Scope confirmation: which Modak surfaces (login, transactions, chores, goals, MBX, MoGold) and which downstream systems.
2. Protocol analysis & OpenAPI draft (2–5 business days).
3. Reference build + internal validation against a test household (3–8 business days).
4. Docs, Postman collection, compliance playbook (1–2 business days).
5. Typical first delivery: 5–15 business days; bank-side approvals may extend timelines.

FAQ

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How long does delivery take?

How do you handle compliance?

Can you also integrate Greenlight / GoHenry / Till?