Rupiah Cepat Integration & Open Finance

OpenData / OpenFinance compliant integration for Rupiah Cepat: loans, billing, user authorization and reconciliation export.

Starting at $300
OpenData · OpenFinance · Protocol Analysis · OJK Compliance

Securely connect Rupiah Cepat’s lending and accounting capabilities to your back end

We provide an end-to-end solution with authorized/open data protocol analysis, loan application APIs, reconciliation exports (Excel/JSON), risk data extraction, and compliance guidance to help you integrate quickly and compliantly.

Loan application & approval workflow — Submit applications, track approvals, disbursement callbacks and repayment schedules with idempotent design and retry strategy.
Billing & reconciliation exports — Filter by date/user/status and export reconciliation reports in JSON/CSV/Excel for accounting and audit.
User & risk data integration — Sync KYC, loan history and scoring fields, with hooks for custom risk models.
Compliance & audit — Output data minimization, consent records and access logs to meet Indonesian/Asia-Pacific regulatory expectations.
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Deliverables & Samples

Standard Deliverables

  • OpenAPI / Swagger documents and sample requests/responses
  • Protocol & authorization path analysis (token flows, callbacks, idempotency)
  • Runnable backend samples (Node.js / Python) and containerized deployment scripts
  • Automated tests and integration test plans
  • Compliance guidance for data retention and privacy (OJK alignment)

Sample API: Create Loan Application

# POST /api/v1/ RupiahCepat/loans/apply
{'Content-Type':'application/json'}
{
  'user_id': 'user123',
  'amount': 2000000,
  'term_days': 90,
  'repayment_schedule': 'monthly',
  'id_document': 'BASE64_PDF',
  'consent': true
}

Response: { 'status': 'PENDING', 'application_id': 'APP-20251001-0001', 'approved_amount': null, 'expected_disbursement_date': null }

Common Integration Scenarios

Loan initiation with disbursement callbacks, installment inquiries, reconciliation exports, KYC sync, and batch loan disbursement for partners.

Technical & Compliance Highlights

  • Authorization: OAuth2 Bearer, API Key or HMAC-based callback validation
  • Data retention: minimization and compliant retention policies
  • Event-driven: webhook integration with queues (Kafka/SQS)
  • Security: TLS, encryption for sensitive fields, auditable logs

Contact

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

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About Us

We are a studio specializing in app protocol analysis and open API integration. Our team has extensive experience across fintech, payments, and banking, delivering end-to-end integrations with runnable source code and documentation.

  • Supports Android/iOS protocol analysis and integration
  • Deliverables include OpenAPI docs, code samples and test scripts
  • Privacy and compliance: KYC, data minimization, audit trails
  • Transparent pricing: starting at $300, pay on delivery/acceptance

Contact & Collaboration

To begin, submit the target app name and your integration needs via our contact page.

View contact information / Submit a request

📱 Original App: Rupiah Cepat – Full feature overview (collapsed)

Rupiah Cepat is an Indonesian online installment/ unsecured loan mobile app offering quick disbursement. Loan amounts range from IDR 200,000 to IDR 80,000,000 with terms from 93 to 360 days; APR around 24% with no extra fees.

Key features include online application, automated risk checks, and multi-channel repayment options via banks and wallets.

Regulatory: regulated by Indonesian authorities for consumer finance; terms may vary by partner institutions.