Finverse
Open-banking aggregation and payments API for Asia, providing linked-account data (balances, transactions, statements) and recurring payment rails. Coverage includes major Singapore banks such as DBS, UOB and Standard Chartered, accessed through a hosted Link flow that end users authorise.
How to authenticate
5 stops to a working call
- 1Sign up on the Finverse Developer Portal and obtain your customer_app_id, client_id and client_secret.
- 2Exchange them for a customer access token: POST https://api.prod.finverse.net/auth/customer/token with client_id, client_secret and grant_type=client_credentials.
- 3Use the customer token to create Link tokens / Link URLs that end users open to connect their bank accounts.
- 4After a user links an institution, exchange the returned code for a login_identity token.
- 5Call data endpoints (accounts, transactions, statements) with 'Authorization: Bearer <token>'.
Example request
curl -X POST 'https://api.prod.finverse.net/auth/customer/token' -H 'Content-Type: application/json' -H 'X-Request-Id: unique-id-123' -d '{"client_id":"YOUR_CLIENT_ID","client_secret":"YOUR_CLIENT_SECRET","grant_type":"client_credentials"}'Example response
{"access_token":"eyJhbGciOi...","token_type":"Bearer","expires_in":3600}Finverse: common questions
Is the Finverse free?
The Finverse is listed as contact. Check the official Finverse docs for current pricing.
Does the Finverse need an API key?
Yes. It uses OAuth 2.0. Sign up on the Finverse Developer Portal and obtain your customer_app_id, client_id and client_secret. Exchange them for a customer access token: POST https://api.prod.finverse.net/auth/customer/token with client_id, client_secret and grant_type=client_credentials. Use the customer token to create Link tokens / Link URLs that end users open to connect their bank accounts. After a user links an institution, exchange the returned code for a login_identity token. Call data endpoints (accounts, transactions, statements) with 'Authorization: Bearer <token>'.
What is the Finverse endpoint?
The base URL is https://api.prod.finverse.net. A working example: curl -X POST 'https://api.prod.finverse.net/auth/customer/token' -H 'Content-Type: application/json' -H 'X-Request-Id: unique-id-123' -d '{"client_id":"YOUR_CLIENT_ID","client_secret":"YOUR_CLIENT_SECRET","grant_type":"client_credentials"}'
Notes for AI agents
Developer Portal signup is self-serve with test institutions for sandboxing; production bank connections use credential-based linking since Singapore has no regulated open-banking mandate. Two token types matter: customer tokens (your app) vs login_identity tokens (a linked user). Pricing is not published in the docs.
Machine-readable version: /api/apis/finverse
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