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  MAKE BY KBANK API INTEGRATION
  ============================
  Authorized access to Cloud Pocket savings, Cloud Chat ledgers, and deposit data from Thailand's KBTG money app
  
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  INTRODUCTION
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  MAKE by KBank () is the e-savings and money-management app built by KBTG (Kasikorn Business-Technology Group) for Kasikornbank. Instead of a single flat balance, every MAKE account splits into Cloud Pockets — named, goal-based sub-accounts that can be private or shared with friends and family. Daily interest, a chat-style transaction ledger, and a monthly Expense Summary all sit on top of that structure.
  
  For developers, fintech teams, and personal-finance platforms, getting clean, structured access to this data unlocks budgeting tools, net-worth dashboards, and cash-flow analytics that a generic bank feed simply cannot reproduce — because a generic feed does not understand pockets. OpenBanking Studio maps MAKE's real data surfaces through authorized, consent-based access, and delivers a working integration — not a slide deck — into your own repository. Details and engagement options are documented at https://openbankingstudio.com/make-by-kbank-.html
  
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  SUPPORTED API FEATURES
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   Cloud Pocket retrieval — list every pocket type (Classic, Wishlist, Saving, Credit Card) with goal amount, saved-to-date, lock state, and shared-membership details
   Deposit balance and interest tracking — read the underlying e-savings balance and daily interest accrual, including the 500,000-baht tiering threshold
   Cloud Chat transaction ledger — pull chat-format transaction history per counterparty, with unlimited look-back, memos, and photo attachments
   Expense Summary access — retrieve monthly income-and-expense rollups, including user-defined Custom Categories
   Transfer and payment data — capture PromptPay, QR, Pop Pay proximity transfers, bill payments, top-ups, and cardless ATM withdrawal records
   Device-bound session handling — work with MAKE's K PLUS / KBank ATM ID verification flow and manage short-lived token refresh without dropped reads
  
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  USE CASES & APPLICATIONS
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  [1] Personal Finance & Budgeting Apps
   Surface Cloud Pocket goals (Wishlist, Saving) inside a third-party budgeting dashboard
   Track savings progress per pocket alongside other linked accounts
   Flag shared-pocket contributions without double-counting household balances
  
  [2] Net-Worth & Wealth Aggregation Platforms
   Combine MAKE's deposit balance and daily interest accrual with other bank and investment data
   Reconcile aggregate and per-pocket balances into one normalized view
   Feed real-time balance snapshots into multi-account net-worth trackers
  
  [3] Spend Categorization & Cash-Flow Analytics
   Pull the Expense Summary's monthly income-vs-expense rollups into analytics pipelines
   Map Custom Categories onto a standardized taxonomy for cross-app reporting
   Reconstruct full statements from the Cloud Chat ledger for audit-style review
  
  [4] Payment Reconciliation & Payout Matching
   Match PromptPay, QR, and Pop Pay transfer records against expected payouts
   Reconcile bill-payment and top-up activity against merchant or service records
   Tie transaction memos and photo attachments to invoice or receipt workflows
  
  [5] Compliance-Ready Open Banking Integrations
   Build connectors that respect PDPA B.E. 2562 consent requirements from day one
   Prepare for Thailand's Bank of Thailand "Your Data" Open Data channel as deposit-sharing comes online
   Maintain consent scope, expiry, and revocation logs alongside the data pipeline
  
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  BENEFITS & ADVANTAGES
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   Reach the real data model — pockets, shared members, and ledgers — instead of a flattened generic balance
   Authorized, consent-based access keeps every read tied to an account holder's explicit permission
   Built-in handling for MAKE's device-bound K PLUS / ATM verification and token refresh cycle
   Normalized schema reconciles parent-account and child-pocket balances without double-counting shared funds
   Forward-compatible design that can migrate onto Thailand's regulated "Your Data" consent channel as it opens
   Deliverables include an OpenAPI 3.1 specification, runnable Python and Node.js source, and automated tests
   PDPA-aligned consent-record and data-retention guidance included for production use
  
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  SUBSCRIPTION PLANS
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  Two engagement options are available. The full integration — OpenAPI specification, protocol and auth-flow report, runnable Python/Node clients, normalized schema, tests, and interface documentation — starts from $300, with payment due only after the build runs against a consenting account. For teams that prefer not to host anything themselves, the same endpoints are available as a pay-per-call hosted API with no upfront cost. Both paths typically scope into a one-to-two-week delivery cycle.
  
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  CONCLUSION
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  MAKE by KBank holds some of the richest structured savings data among Thai money apps — Cloud Pockets, chat-style ledgers, and monthly expense rollups — but only an integration that understands its pocket-based model can put that data to work safely and accurately. OpenBanking Studio builds that connector on an authorized, consent-based basis today, with a clear path onto Thailand's regulated "Your Data" channel as it rolls out through 2026-2028.
  
  If your product needs savings, ledger, or deposit data from MAKE by KBank, get in touch to scope the integration and receive working source code, not just documentation.
  
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  访问链接 / ACCESS
  ------------
  
  https://openbankingstudio.com/make-by-kbank-.html
  
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  last updateTime: 2026-06-19 00:25:41b

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