Dhani API Integration & Open Financial Solutions

OpenData/OpenFinance based protocol analysis, loan and repayment interfaces, and compliant delivery with runnable API source code.

Starting at $300
OpenData · OpenFinance · Protocol Analysis · UPI

Securely connect Dhani's payments, UPI, billing and lending capabilities to your backend

We provide end-to-end delivery including authorized API integration (OAuth / Token / Session), export of transactions and reconciliations, loan limit inquiries, card issuance workflows and online onboarding (Dhani Cuenta), with compliance aligned to applicable regulations.

Loan application & disbursement — Standardized loan application API, approval status callbacks (webhook), disbursement instructions and confirmations.
Repayment & reconciliation — Query repayment records, generate repayment details, integrate with banks/partners and support reconciliation exports (JSON/CSV/Excel).
Risk & decision integration — Connect scoring engines, decision rules, device and behavior data collection with secure, masked transmission.
Compliance & privacy — Supports local regulatory requirements, data minimization, NDA/contractual delivery and encryption for sensitive fields.
Contact us View deliverables

Deliverables & Examples

Standard Deliverables

  • OpenAPI / Swagger documentation and sample requests
  • Protocol & authorization analysis report (auth flows, tokens, webhooks)
  • Runnable back-end samples (Node.js / Python) with sample SDKs
  • Automation test scripts and integration test plan
  • Compliance guidance (data retention, privacy, NDA templates)

Sample API: Loan application (pseudo)

# POST /api/v1/dhani/loan/apply
POST /api/v1/dhani/loan/apply
Content-Type: application/json
Authorization: Bearer <CLIENT_TOKEN>

{
  'app_package': 'com.fintopia.idnEasycash.google',
  'user_id': 'user_12345',
  'amount': 5000000,
  'term_days': 93,
  'id_document': 'ENCRYPTED_ID_PAYLOAD',
  'bank_account': { 'bank_code': 'BCA', 'account_no': '12345678' }
}

Response: {
  'status': 'PENDING',
  'application_id': 'APP-20251001-0001',
  'expected_decision_at': '2025-10-01T12:00:00Z'
}

// Webhook: approval result
POST /webhooks/dhani/decision
{ 'application_id': 'APP-...', 'status': 'APPROVED', 'loan_id': 'LN-...' }

Key integration scenarios

Loan disbursement, KYC/identity checks, credit risk integration, disbursement via SME/merchant channels, repayment status callbacks, and reconciliation with offline channels.

Core advantages

  • Compliance-first: templates and audit readiness for local regulators
  • End-to-end delivery: protocol analysis → development → mock tests → docs → go-live support
  • Security hardening: encryption at rest and in transit, data minimization
  • Fast delivery: initial delivery typically 5–12 business days (depending on complexity)
  • Multilingual & multi-region: documents and SDKs in several languages

API Integration Guide (quick start)

  1. Provide target app package name and use-case (Loan/Onboarding/Payment)
  2. Confirm available test credentials or authorization method
  3. We deliver protocol analysis and API design with Mock Server (2–5 days)
  4. Develop and verify (3–8 days) with SDK samples and deployment notes
  5. Go-live support and ongoing maintenance options

About Our Studio

We are a studio focused on App protocol analysis and authorized API integration. Our team spans mobile finance, payments, and cloud services, delivering end-to-end open data and open banking integration with runnable code.

  • Support Android / iOS protocol analysis and SDK integration
  • OpenAPI documents and sample SDKs
  • Compliance guidance including privacy and data minimization
  • Transparent pricing: starting at $300, pay after delivery and accept upon satisfaction

Contact

To request a quote or submit your app name and integration requirements, visit our contact page:

Contact Us

📱 Original App: Dhani (Functionality overview, collapsible)

Dhani is a secure, regulated online lending app designed to offer unsecured loans to users quickly. Package name: com.fintopia.idnEasycash.google.

Loan Products

  • Loan amount: Rp200,000 – Rp80,000,000
  • Term: 93 days to 360 days
  • APR up to 24% with no extra management fees

Product Features

  • Unsecured borrowing with minimal info
  • Fully online; fast approvals; offline签署 not required
  • Data privacy protection; pledged data handling

Application Flow

  1. Fill online loan form
  2. Underwriting (automated risk checks with manual review)
  3. Approval leads to funds transfer to user account

Repayment Methods

Repayments via ATM transfers, online banking, mobile banking, e-wallets (OVO), and offline channels (Alfamart, Alfamidi). Banks include BCA, Mandiri, BRI, BNI, CIMB. Post-repayment SMS confirmation.

Customer Support

  • Email: cs.pinjaman@easycash.id (borrowers) / cs.lender@easycash.id (lenders)
  • Phone: 1500866
  • Social: Facebook/Instagram/Twitter/TikTok (@Easycash...)
  • Hours: Mon-Sun 08:00–20:00
  • Address: Menara Dea, Jakarta

Regulatory & Legal

Easycash is a fintech company registered with Indonesian regulators (OJK) under license KEP-49/D.05/2020.

FAQ

  • Q: Do I need collateral or a card? A: No, it's an unsecured loan (KTA). Provide information; loan approval needed.
  • Q: What is Tenor? A: Tenor is the loan term length.