Yono Lite SBI · API Integration & Protocol Analysis Services

OpenBanking / OpenData integration: login, transaction queries, UPI and transfers API

Starting at $300
Deliver runnable source code and documentation; pay on delivery
OpenBanking · OpenData · Protocol Analysis · Compliance Driven

Integrate Yono Lite SBI’s mobile banking capabilities quickly and securely into your system

For mobile onboarding verification (SMS activation), account details, NEFT/RTGS/IMPS transfers and QR withdrawals, we provide compliant protocol reverse engineering and authorization interfaces, delivering runnable API source code and documentation.
Unified login & activation flow — Supports SMS activation simulation, device binding, session management and token refresh; can generate standard OAuth-style integration interfaces.
Accounts & transactions — Provide account lists, mini statements, mPassbook (up to 150 entries) and reconciliation exports (JSON / CSV / PDF).
Payments & transfers — Integrate NEFT/RTGS/IMPS, UPIs, QR transfers, instant transfers and beneficiary management.
Cards & top-ups — Virtual/physical debit card management, top-ups, bill payments and third-party wallet top-ups (examples: DTH, Mobile, Prepaid).
Get a Quote View Deliverables

Our Deliverables & Examples

Delivery Package

  • Protocol analysis & authorization chain (login/activation/lifecycle)
  • OpenAPI (Swagger) specifications and sample requests
  • Runnable backend sample code (Node.js / Python) with unit tests
  • Automated integration scripts and Postman collections
  • Compliance recommendations (data retention, minimization, NDA guidance)

Example API: Create Virtual Account (pseudo-code)

# Request пример (pseudo-code)
POST /api/v1/yono/virtual-accounts
Content-Type: application/json

{ 'merchant_id': 'M12345',
  'customer_name': 'Alex Doe',
  'amount_expected': 150000.00,
  'expires_at': '2025-11-30T23:59:59Z',
  'metadata': { 'order_id': 'ORD-98765' }
}

Response 201 Created
{
  'va_number': '8881234567890',
  'bank_code': 'SEA',
  'expires_at': '2025-11-30T23:59:59Z',
  'callback_url': 'https://your.app/webhooks/seabank/va'
}

// Webhook: when VA is paid, platform posts to callback_url with transaction_id & amount

Use Case: Lending (SeaBank Pinjam) Examples

Provide loan application, limit checks, disbursement notices, and repayment schedule APIs. Examples:
  • Loan limit: up to Rp30,000,000
  • Interest rate sample: 2% / month (pricing per contract & risk)
  • Supports 3/6/12 month repayments, automatic debits and callbacks

API Integration Guide (Quick Guide)

  1. Provide target scenarios (e.g., reconciliation exports / card notifications / BTC orders).
  2. Confirm authentication method: OAuth credentials, developer keys or agreed test accounts.
  3. Protocol analysis: assess available public APIs, required authorization flows and compliance constraints (usually 2–5 business days).
  4. Development deliverables: deliver SDK, sample code, Postman collections and test cases (usually 3–8 business days).
  5. Go-live & auditing: configure Webhooks, logging and auditing strategies, provide compliance and operations guidance.

Security & Privacy (Key Points)

  • Work only under client authorization or public API; no bypassing protections.
  • Support data minimization, encryption in transit, access logs and consent archiving.
  • Parental consent and data segregation for teen accounts where applicable.
  • Assist in drafting privacy notices and compliance documents to meet local regulations.

About Us

We are a studio focused on mobile application protocol analysis and compliant API integration. Our team comes from fintech, banking and security backgrounds, delivering end-to-end services from protocol analysis to OpenData/OpenBanking integration and source code/documentation delivery.

  • End-to-end delivery: protocol analysis → API design → runnable code → testing → deployment support
  • Supports multi-language SDKs (Python / Node.js / Go) and OpenAPI documentation
  • Compliance-first: privacy, data minimization, and NDA support
  • Global experience: familiar with Indian and Southeast Asian regulatory practices

Contact Us

To start a project or get a quote, visit our contact page and submit the target app name and integration requirements:

View Contact Page /contact.html

Cooperation Process (Brief)

  1. Submit target App name and requirements (login, reconciliation, transfers, UPI, etc.).
  2. We perform protocol analysis and provide technical & compliance assessment (2–5 business days).
  3. Develop runnable API and sample code (3–10 business days, depending on complexity).
  4. Deliver documentation, test cases and deployment guidance (1–3 business days).
  5. Optional ongoing maintenance and security audit services.
📱 Yono Lite SBI Official Features (Collapsible)
Yono Lite SBI is a lightweight mobile banking app by the National Bank of India that supports multiple local languages and provides account queries, transfers, UPI, card management and various bill payments. Below is a feature summary (from official documentation):
  • Account management: details inquiry, mini-statement (last 10), mPassbook (up to 150 entries), downloading and subscribing to statements.
  • Transfers: same-bank and interbank (RTGS/NEFT/IMPS), QR or UPI-based transfers, add/manage beneficiaries and scheduled transfers.
  • eDeposits: fixed or savings deposits with multiple options.
  • UPI: transfers via VPA, set transaction limits, dispute queries and enable/disable UPI.
  • Card management: physical/virtual debit cards and prepaid cards.
  • Bills and merchant payments: mobile recharge, DTH, credit card transfers, bill history, SBI Life premium payments.
  • Voice assistant: SBI Voice Assist for balance checks, mini statements, top-ups and quick transfers (voice commands).
  • QR/ATM cardless withdrawals: withdraw via QR from ATM (Yono Cash).
  • Pre-login: Bhim SBI Pay, Bharat QR, SBI Collect, donations, branch/ATM locations, challenge/complaint flow.
  • Registration: app guides users to send encrypted SMS to verify phone numbers and complete activation.

Note: The above is a complete Chinese translation for internal technical reference; integration should rely on official API documentation and client authorization.