Vyom (Union Bank of India) Mobile Banking Interface Integration & Open Banking Solutions

Based on Account Aggregator and Open Banking principles, offering Vyom protocol analysis, account aggregation, payments and reconciliation interfaces with compliant delivery and runnable source code.

Starting at $300
OpenData · OpenBanking · Account Aggregator · Protocol Analysis

Safely connect Vyom's account view, payments, and aggregation capabilities to your system

We provide runnable source code deliveries for accounts aggregation, UPI/payments integration, reconciliation queries, transaction history synchronization, and secure session management, based on compliant authorization and public/authorized APIs.

Account Aggregation — Supports merging views from multiple accounts: savings, loans, credit cards, and investments, delivering a unified balance and transaction stream.
Multi-channel Payments — Unified layer for UPI, IMPS, NEFT, RTGS; supports pre-signed orders, callbacks, and transaction confirmation routing.
Reconciliation & History — Retrieve daily/monthly transaction details, with pagination, category filtering, export to JSON/CSV/Excel.
Security & Compliance — Provides OAuth2 / token management, encrypted storage, data minimization, and compliant logging (aligned with RBI data privacy requirements).
Get a Quote View Deliverables

Deliverables

Standard Deliverables

  • Protocol & authorization flow analysis report (OAuth2, OpenID Connect, SCA, 3DS)
  • OpenAPI (Swagger) specifications and sample requests/responses
  • Runnable back-end sample code (Node.js / Python) and SDK
  • Automated tests, integration tests and deployment guidance
  • Compliance recommendations (data minimization, logging retention, KYC guidelines)

Interface Example: Get Account Transactions (Pseudo-code)

# Retrieve account balance (pseudo-code)
GET /api/v1/bna/accounts/{account_id}/balance
Authorization: Bearer <ACCESS_TOKEN>

Response 200 OK
{
  "account_id": "AR12345678",
  "currency": "ARS",
  "available_balance": 12500.50,
  "ledger_balance": 12750.50,
  "as_of": "2025-10-28T14:22:00Z"
}

# Request transactions
POST /api/v1/bna/accounts/transactions
{
  "account_id": "AR12345678",
  "from_date": "2025-09-01",
  "to_date": "2025-09-30",
  "page": 1,
  "page_size": 100
}

Key Integration Points

Session management with short-lived access tokens and refresh, callback/Webhook verification (HMAC), sensitive field encryption and compliant logging are the core to a successful Vyom integration. We provide end-to-end solutions and production-ready code.

API Access & Implementation Guidelines (Quick Start)

  1. Provide requirements: target features (e.g., account aggregation, payments, reconciliation export) and a test account.
  2. Protocol scan: we complete the protocol and authorization chain analysis in 2-4 business days.
  3. Interface design: create a unified OpenAPI-based access layer, define callbacks and error handling norms.
  4. Development & validation: deliver runnable backend implementation, SDK and automated tests.
  5. Deployment guidance: API gateway, certificate management, key rotation and audit logging configuration.

We also support third-party gateways (Kong, AWS API Gateway), containerized deployment and security audits.

Compliance & Security

All work is performed on client authorization or public APIs. We provide data minimization guidance, logging retention and compliance documentation, and can assist with data processing agreements or NDA.

About Us

We are a studio focused on mobile app protocol analysis and compliant API integration, serving financial institutions, payment gateways and third-party services. Our core capabilities include protocol analysis and compliant interface adaptation, OpenBanking and Account Aggregator integration, and automated reconciliation scripts.

  • Supports Android & iOS protocol analysis and interface implementation
  • Deliverables include OpenAPI, sample source code (Node/Python), and test suites
  • Compliance-first: privacy, data protection, and regulatory alignment
  • Transparent pricing and milestone-based delivery (starting at $300)

Contact

To proceed with a project or request a customized quote, please visit our contact page and submit your app name and integration requirements:

Visit Contact Page / Submit Request

📱 Vyom (Union Bank of India) Features Overview — Collapsible

Vyom – Features Overview (Public listing on app store, for technical analysis and integration reference)

Vyom lets users manage banking tasks on their mobile devices. Core features include:

  • Accounts & Transactions: view balances, history, categorization and reminders
  • QR payments: pay via QR codes and generate payment references
  • Bill payments & taxes
  • Instant transfers
  • Cardless withdrawals: generate withdrawal orders for ATMs
  • Public transit top-ups & mobile recharge
  • Recurring deposits (Plazos) and loan views
  • In-app appointment scheduling with branches
  • Update personal data and account information
  • Simplified onboarding with national id (DNI)

This app is for Banco Nación customers, aimed at migrating traditional branch services to mobile devices for convenient daily banking operations.