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• 性别保密
• 生日1998 年 1 月 30 日
• 星座水瓶座
• 生肖虎
• 个人主页https://www.app-analytica.com/9f77/84-yono-sbi-api-integration-and-open-finance-openfinance-protocol-analysis-solutions.html
• 兴趣爱好OpenFinance · App Protocol Analysis · UPI · Yono Cash
  Safely connect YONO SBI’s accounts, payments, and cardless withdrawal capabilities to your system
  We provide end-to-end delivery based on authorized and publicly available interfaces: protocol reverse engineering / analysis, API refactoring, Open Data integration with compliance guidance, and deliver runnable code and API documentation.
  Secure login and session management
  — Reproduce YONO’s registration and SMS verification flow, MPIN / OTP activation logic, and session token refresh strategy, providing an OAuth-like session layer wrapper.
  Transactions and statements API
  — Support mPassbook, Mini-statement, electronic statement export (JSON / CSV / Excel), with pagination and filtering, adaptable to multi-account / multi-CIF scenarios.
  UPI and QR / Yono Cash integration
  — Implement UPI transfers, Bharat QR payments, and QR-based cardless withdrawal (Yono Cash) flows with callback handling.
  Card management and virtual cards
  — Virtual card generation, real-time card lock/unlock, transaction notifications, and 3DS/tokenization readiness.
  Consult Now / Submit Requirements
  View Deliverables
  Our Deliverables (Examples)
  Delivery Checklist
  Protocol analysis report (flowcharts, key interfaces, VMN and SMS workflows)
  OpenAPI / Swagger-style API specifications
  Runnable source code (Node.js / Python examples), including session management and error handling
  Automated test scripts and integration testing plan
  Compliance recommendations (KYC, data minimization, log retention, NDA optional)
  Example: Session login and statement inquiry (pseudo-code)
  // Step 1: Trigger registration / send encrypted SMS to Bank's VMN
  POST /api/internal/yono/send_vmnsms
  Content-Type: application/json
  { 'device_id':'abc123', 'sim_index':0 }
  
  // Step 2: After SMS verification, exchange for a short-term access token
  POST /api/internal/yono/verify_sms
  { 'vmn_code':'XXXXX', 'device_id':'abc123' }
  Response: { 'access_token':'ey...', 'refresh_token':'rty...' }
  
  // Step 3: Query mPassbook / statement
  GET /api/v1/yono/accounts/{account_id}/statement?from=2025-09-01&to=2025-09-30
  Authorization: Bearer ey...
  
  Response: { 'transactions':[ { 'date':'2025-09-10','amount':-250.00,'narration':'UPI-QR' } ], 'balance': 10234.50 }
  Typical Integration Scenarios
  Back-office reconciliation for customers (bulk exports), financial SaaS auto-synchronization of YONO transactions, B2B platforms triggering UPI payments, and merchant reconciliation & callback handling for cardless withdrawals (Yono Cash).
  API Integration Guidelines (Technical Highlights)
  Authorization and sessions: replicate SMS verification → activation code → MPIN flow, securely store refresh_token and design short-lived access tokens.
  Replay protection: log consent and timestamps for SMS/VMN operations to prevent duplicate requests and abuse.
  Rate limiting: provide pagination, cursors, and asynchronous export mechanisms for bulk exports and reconciliation APIs.
  Logging and auditing: generate auditable operation trails (operator, timestamp, device ID, session ID).
  Compliance: integrations only with explicit client authorization or based on publicly available / partner APIs; provide data minimization and retention recommendations.
  Legal & Compliance Statement
  All work is conducted with client authorization or based on publicly available / partner APIs. We do not provide unauthorized intrusion or illegal access services. For KYC, documents, or sensitive personal data, we recommend signing an NDA and complying with applicable local regulations (e.g., India’s data protection and financial regulatory guidelines).
  About Us
  We are a tech studio focusing on app API integration and authorization protocol analysis, with members from mobile apps, payments, and banking. We provide end-to-end delivery from protocol analysis and API refactoring to Open Data and third-party authorization integration.
  Support for Android / iOS platform API adaptation and SDK development
  Provide runnable source code (Node.js, Python, Go), OpenAPI documentation, and testing suites
  Compliance-first: KYC, data minimization, and logging/audit recommendations
  Transparent pricing: starting at $300, sample deliverables before payment upon confirmation
  Contact
  Please submit the target App name (already: YONO SBI) and the specific use-case (e.g., statement synchronization, UPI payments on behalf, Yono Cash cardless withdrawal) via the link below.
  Go to Contact Page / Submit Requirements
  Cooperation Process (Quick Overview)
  Submit target App name and requirements (e.g., YONO SBI — statement export)
  Protocol and risk assessment (2-5 business days)
  Development and internal validation (3-10 business days, depending on complexity)
  Deliver runnable source code, API documentation, and test cases; payment upon delivery based on results
  FAQ
  What information do you need from us?
  Please provide the business scenario (login / reconciliation / payments / cardless withdrawal), desired delivery format (API, SDK, scripts), and whether you have any approvals or partnership channels.
  How long does delivery take?
  Standard scenarios typically take 5-15 business days. SMS/VMN or third-party compliance approvals may extend the timeline.
   Original App Full Introduction (YONO SBI) — Collapsible
  Below is the original application functionality and registration details (to aid technical analysis and requirements alignment):
  YONO SBI lets you bank, shop, travel, pay bills, recharge, invest, avail IRCTC ticket booking, use UPI to transfer money, book movie tickets. With YONO SBI, convenience has a new name.
  
  Download YONO SBI, our mobile banking and lifestyle application from Google Play Store Only and experience its best-in-class features. Do not use any other websites.
  
  Registration process:
  
  YONO is supported on Android 12 and above from 01-03-2025. Please read the OS version as "12 and above" in What's new content as well as under details in "Required OS" field at "More Info" and "Compatibility for your active devices". The OS version under these sections will be updated 12 and above shortly.
  
  Install/update new version of App from Play Store and open.
  Allow all required permission (location, make/ manage phone calls).
  Select SIM of CBS Registered Mobile Number (RMN) and allow for SMS permission and submit NEXT
  An encrypted SMS with a unique code will be sent from the device to Bank’s VMN (Virtual Mobile Number) to verify the customer. Kindly note that for sending the SMS standard SMS charges are applicable as per your telecom plan. The SIM should have active outgoing SMS facility. In some devices, the user may have to allow sending the SMS from the outbox.
  If there are multiple CIF's attached with same mobile number, system will prompt for the account number and DOB for finding out a unique customer by the mobile number.
  If the customer is already having online banking facility of SBI, App will automatically prompt to proceed to register on YONO SBI app with existing user credentials (Online Banking User ID and Password). After entering User ID and Password, customer will receive an OTP on Registered Mobile Number. User has to enter the OTP in the app to complete registration with an optional setting of MPIN.
  If the existing SBI customer is not having Online banking credentials, App will prompt to proceed to create INB credential using "Account Details" and "ATM Card" based registration process.
  If Non RMN SIM is selected, user will land on account opening screen. If customer claims that selected SIM is already registered with bank, user needs to visit nearest branch with KYC for validating the mobile number in bank account.
  
  What YONO SBI offers you
  
  YONO SBI, SBI's latest mobile banking offering is an extension of our trusted banking legacy which gave India secure digital products such as YONO Lite and SBI Net Banking. YONO SBI puts India's largest range of products and services at your fingertips.
  
  India's largest shopping marketplace -Exclusive discounts and offers for SBI customers across merchants who offer shopping, vacation bookings, flight and bus ticket bookings, train ticket bookings through IRCTC, food delivery and much more
  
  Quick Transfer-Immediate fund transfer to new beneficiary up to Rs.50,000/- per day
  
  One view- Link and view your relationships with all State Bank entities (Credit Cards, Life Insurance, General Insurance, Travel Insurance, Accident Insurance, SIP, Mutual Funds or investments) in one app
  
  Your friend in need-Get Pre-approved personal loans on the go within 2 minutes, with no documentation at branches.
  
  Liquidity on the go-Use this one click facility to avail overdraft against Fixed Deposit
  
  Experience convenience: Request Cheque Books, ATM Cards/Debit Cards or use the emergency services to change ATM PIN, block ATM cards/Debit cards or stop cheques, through YONO SBI
  
  Other pre log in features:
   ATM/Branch Locator
   Forgot MPIN? - To reset Login MPIN
   View Balance - View account balance & recent transactions
   Quick Pay - Make quick & simple payments.
   YONO Cash- Cardless Cash Withdrawal
  Loans - Apply for Home, Car, Education & Personal Loans
  Investments - Open Investment account and make investments
  Best Offers - Best Online Shopping offers
  Lock App - To lock app access
  T&C-Terms & Conditions
  Privacy Policy
  Helpline - Call on Helpline No.
  
  Contact us| telegram: @appCracker007
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  last updateTime: 2025-10-31 19:06:23a
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