Account Aggregator Data Fetch

Banking & Credit

Consented bank statements and financial data through the Account Aggregator framework.

Raise a consent request, let the customer approve it in their Account Aggregator app, and receive machine-readable bank statements and other financial information without PDFs or screen scraping.

Endpoint

POST https://app.emver.io/api/sandbox/v1/account-aggregator

Authorization: Bearer YOUR_API_KEY

Content-Type: application/json

Accept: application/json

Request parameters

Field	Type	Description
`mobile` required	phone	Customer mobile
`purpose` required	string	Purpose code
`from_date` required	date	Data from
`to_date` required	date	Data to

Example request

cURL

curl -X POST https://app.emver.io/api/sandbox/v1/account-aggregator \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Accept: application/json" \
  -d '{
    "mobile": "9999999999",
    "purpose": "string",
    "from_date": "YYYY-MM-DD",
    "to_date": "YYYY-MM-DD"
}'

import requests

response = requests.post(
    "https://app.emver.io/api/sandbox/v1/account-aggregator",
    headers={
        "Authorization": "Bearer YOUR_API_KEY",
        "Accept": "application/json",
    },
    json={
        "mobile": "9999999999",
        "purpose": "string",
        "from_date": "YYYY-MM-DD",
        "to_date": "YYYY-MM-DD"
    },
    timeout=60,
)
response.raise_for_status()
data = response.json()

const response = await fetch("https://app.emver.io/api/sandbox/v1/account-aggregator", {
  method: "POST",
  headers: {
    "Authorization": "Bearer YOUR_API_KEY",
    "Content-Type": "application/json",
    "Accept": "application/json",
  },
  body: JSON.stringify({
      "mobile": "9999999999",
      "purpose": "string",
      "from_date": "YYYY-MM-DD",
      "to_date": "YYYY-MM-DD"
  }),
});

const data = await response.json();

$response = Http::withToken('YOUR_API_KEY')
    ->acceptJson()
    ->post('https://app.emver.io/api/sandbox/v1/account-aggregator', {
        "mobile": "9999999999",
        "purpose": "string",
        "from_date": "YYYY-MM-DD",
        "to_date": "YYYY-MM-DD"
    });

$data = $response->json();

Replace YOUR_API_KEY and the placeholder values. Use the switch above to see production URLs.

Response

Structure · 200

{
  "status": INTEGER,
  "message": STRING,
  "data": {
    "consent_id": STRING,
    "consent_status": STRING,
    "accounts": ARRAY,
    "transactions": ARRAY
  }
}

Example · 200

{
  "status": 200,
  "message": "string",
  "data": {
    "consent_id": "string",
    "consent_status": "string",
    "accounts": "string",
    "transactions": "string"
  }
}

Error · 4xx / 5xx

{
  "status": INTEGER,
  "message": STRING
}

See Errors & status codes for what each status means and which calls are billed.

About this API

Start with the customer's mobile number and the data you need. emver handles the consent artefact, the data fetch and the decryption, and returns normalised transactions, balances and account details ready for Bank Statement Analysis.

Consent. The customer approves the consent request in their Account Aggregator app; the consent artefact is stored with the request.

Typical uses

Digital lending. Income and obligations from real transactions.
Wealth and PFM apps. Aggregate balances with consent.

Questions

Do we need to be a registered FIU?: Data requests must run under a registered Financial Information User. Talk to your account manager about the onboarding model that fits you.