MariBank (SeaBank) — OpenBanking API Integration and Protocol Solutions

Bank-grade integration for the Philippines market: transactions, interest settlements, InstaPay / PESONet, card and loan data synchronization

Target App Package
com.mariBank.seabank
OpenData · OpenFinance · Bank-grade integration · Protocol analysis

Safely and compliantly connect MariBank accounts and payment capabilities to your backend

We provide a methodology based on publicly available/authorized interfaces and protocol reverse engineering, delivering runnable API source code, OpenAPI documentation, and test scripts to cover common banking and payments scenarios.

Account & Authorization Management — supports session retrieval based on user authorization, token refresh, role-based access control, and session management.
Transactions & Statements — supports exports by date range, transaction type, account consolidation (JSON/CSV/Excel/PDF), and tax-friendly reporting.
Instant Transfers & Clearing — integrates InstaPay and PESONet channels, supports same-day settlement, fee-schedule simulations, and bulk transfer interfaces.
Cards & Loans Data — synchronizes card spending, cashback, installments, and MariBank Credit loan programs (limits, rates, installments).
Security & Compliance — supports MFA, end-to-end encryption, PDIC/BSP compliance guidance, data minimization and audit logs.
Get a Quote / Start Integration View Deliverables

Deliverables (examples)

Deliverable Pack

  • OpenAPI / Swagger interface specifications
  • Protocol analysis report (authorization flow, token lifecycle, session replay)
  • Runnable source code (API services, auth middleware, sync scripts)
  • Automated test scripts and CI integration guidance
  • Compliance and privacy recommendations (data retention, cross-border, KYC/AML)

Interface Example (Pseudo-code)

// Query transactions (pseudo-code)
POST /api/v1/maribank/transactions
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'account_id': 'user_12345',
  'from_date': '2025-10-01',
  'to_date': '2025-10-31',
  'channels': ['INSTA_PAY','PESONET','QR']
}

Response 200 {
  'status':'OK',
  'account_id':'user_12345',
  'transactions':[{
    'txn_id':'MB20251010ABC',
    'date':'2025-10-10T08:23:00Z',
    'amount':2500.00,
    'type':'CREDIT',
    'narration':'Salary Credit',
    'channel':'INSTA_PAY',
    'balance_after':12500.00
  }],
  'paging':{'cursor':'eyJvZmZzZXQiOjB9'}
}

典型对接场景

Account syncing, daily interest and earnings details, InstaPay/PESONet transfers, QR payments callbacks, loan product data, cashback and rewards exports, account linking and multi-account aggregation.

API Integration Focus & Steps

  1. Requirement confirmation: specify data types to sync (transactions, interest, cards, loans).
  2. Permissions & authorization: define authorization model (OAuth / API Key / session token) and prepare test accounts or sandbox credentials.
  3. Protocol analysis: capture and analyze authorization and data interfaces, producing interface specs and risk list (2–5 days typically).
  4. Development delivery: implement API adapter, authentication middleware, sync schedules and retry logic (3–10 days).
  5. Verification & compliance: run automated tests, compliance checks, and deliver the package with deployment notes.

Compliance & Security

All integrations are based on authorized or public interfaces with data minimization, end-to-end encryption, audit logs and access controls. For the Philippines market, we specify BSP/PDIC requirements, user consent records, and KYC considerations in the deliverables.

About Our Studio

We are a technology studio focused on App protocol analysis and compliant API integration for fintech and digital banking. Our core capabilities include protocol analysis, OpenData/OpenFinance integration, third-party API coordination, and compliant delivery.

  • Senior mobile and backend engineers with experience across Android/iOS
  • Supports Python / Node.js / Java with OpenAPI documentation
  • Implementation based on authorization or public interfaces, with privacy guidance
  • Transparent pricing: starting at $300, payment upon acceptance

Contact Us

If you need a quote or want to submit target app names and integration requirements, please contact us through the link below:

View contact details / Submit request

📱 MariBank Official App Full Overview — Collapsed (Click to Expand)

MariBank (package name ph.seabank.seabank) — App Overview

MariBank is a digital banking app for Philippine users, supported by Sea Limited, offering high-interest savings, free transfers (InstaPay / PESONet), no minimum balance, and quick onboarding. Deposits are insured by PDIC (up to PHP 1,000,000 per depositor).

  • High interest: up to 4% p.a. with daily interest accrual
  • Free transfers: InstaPay and PESONet with no fees or favorable terms
  • Cards and cashback: MariBank Card up to PHP 3,000 cashback per month; activation rewards
  • Loans: MariBank Credit up to PHP 100,000 with example rates
  • Security: MFA and end-to-end encryption
  • Easy onboarding: under 5 minutes with one ID
  • Other services: QR payments, bill payments, promotions and rewards

Official contact address: 32 Rizal Street, Brgy. Poblacion II, Pagsanjan, Laguna