Inter — 开放金融接口集成与协议工程

基于 OpenData / OpenFinance 的合规集成:账户、对账、国际汇款、投资与卡片管理
起价 $300 · /contact.html
OpenFinance · OpenBanking · 协议分析 · 国际汇款

把 Inter 的金融能力安全接入您的产品与服务

我们为企业与开发团队提供可交付的、合规的接口实现:账户绑定与授权、交易明细与对账单导出、跨境支付流水、卡片与投资信息同步。支持多语言使用场景(英文/西班牙语/葡萄牙语)。

账户授权与会话管理 — 实现用户账户绑定、Token 获取与刷新、会话生命周期控制与安全策略。
交易与对账单 API — 支持按时间范围、交易类型与状态过滤,导出 JSON / CSV / Excel,便于财务归档与税务核对。
国际汇款与汇率汇总 — 支持向 60+ 国家发起跨境汇款、获取费率、追踪支付状态与对账回执。
投资账户与资产同步 — 券商级别的交易历史、持仓与市值查询,支持小额定投与 ETF 买卖事件记录采集。

我们交付什么

交付项(示例)

  • OpenAPI / Swagger 接口规范与示例请求
  • 协议分析报告(授权链、加密/签名、会话管理)
  • 可运行后端代码(Python / Node.js / Go 可选)与 SDK 示例
  • 自动化测试脚本、Mock 服务与 Postman 集合
  • 合规建议(最小数据保留、同意记录、KYC 注意事项)

示例接口伪代码:查询对账单

POST /api/v1/inter/statement
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'account_id': 'user@inter',
  'from_date': '2025-10-01',
  'to_date': '2025-10-31',
  'currency': 'USD',
  'type': 'ALL',
  'page': 1,
  'page_size': 200
}

Response: {
  'status':'OK',
  'total': 124,
  'transactions': [
    {'id':'TXN20251001A','date':'2025-10-01','amount':-29.99,'merchant':'STREAM SERVICE','currency':'USD','status':'SETTLED'},
    {'id':'TXN20251003B','date':'2025-10-03','amount':1500.00,'merchant':'PAYROLL','currency':'USD','status':'SETTLED'}
  ]
}

适用场景

财务对接(对账与账务自动化)、SaaS 平台用户余额同步、国际汇款后台对接、市场平台代发与收款、财富管理工具的数据采集。

核心价值(Core Benefits)

  • 快速交付:协议分析 → 核心接口实现 → 文档与测试,常见项目 5–12 个工作日
  • 合规优先:仅基于客户授权或公开 API 执行,提供最小化数据策略
  • 跨平台支持:Android / iOS / Web 后端 SDK 可选交付
  • 可扩展的交付物:从单接口到企业级 API 网关与审计日志

集成说明(快速上手)

  1. 提供目标场景与需求:例如“批量导出 2025 年 Q3 的对账单”、“发起对墨西哥的国际汇款并获取回执”或“同步投资账户持仓”。
  2. 我们进行授权与协议可行性评估(2–4 个工作日),确认是否可用公开 API / 合法授权流程或需额外企业合作。
  3. 签署 NDA(如需要),并提供测试账号或用户授权样本。我们不执行未授权的数据采集,仅在授权范围内做协议分析与集成。
  4. 交付:OpenAPI 文档、运行源码(含示例)、测试脚本与部署说明;可选上门或远程支持上线。

关于我们 — 技术工作室

我们是一家专注于移动与金融应用接口集成的技术工作室。团队成员来自支付机构、银行与安全研究背景,擅长协议分析、接口重构、OpenData / OpenFinance 对接与企业级 API 交付。

  • 合规实现:遵守当地法规与隐私政策,提供最小化数据策略与审计建议
  • 多语言支持:英文、西班牙语、葡萄牙语、中文
  • 交付形态:源代码(可运行)、OpenAPI、Postman 集合、自动化测试
  • 快速迭代:按阶段交付,可选先交付验收后付款

联系方式

如需报价或提交目标 App 名称与集成需求,请访问我们的联系方式页面:

前往联系方式

起步服务 $300。可按交付后确认付款,支持企业合同与 NDA。

📱 Inter 原始应用完整介绍(附录,点击展开)

应用信息(包名:br.com.intermedium)

以下为提供给我们的原始应用介绍(原文),用于辅助技术评估与需求识别:

appPackageId: br.com.intermedium

Inter's banking super app helps you simplify your financial life with a full range of banking solutions—all in one app.
Spend, invest in stocks, save with gift cards, and send money abroad directly from your phone.

Take control of your finances in a modern way and access services designed for your lifestyle.

Why choose Inter?

- Trusted by millions: More than 40 million people use Inter.
- Your money is FDIC insured.
- Gift cards with cashback: Explore offers and deals from top brands.
- Physical & virtual debit card
- Inter Passport Credit Card
- Invest in stocks & ETFs from as little as $5.
- Global money transfers : send money to over 60 countries, including Mexico, Colombia, Brazil, El Salvador, Guatemala, Honduras, Ecuador.

And more:

- 24/7 multilingual support: English, Spanish, and Portuguese.
- Inter LOOP rewards program: Earn points to exchange for gift cards and other perks.
- Get eSIMS for your mobile data needs.

Open your digital account and access all services in one place.

DISCLAIMER:

INTER & CO PAYMENTS, INC., doing business as Inter (“Inter”), is a financial technology company, a registered money services business (MSB) and a licensed money transmitter, not a bank (NMLS ID #907330). Massachusetts Foreign Transmittal Agency (License #FT114374-100). Rhode Island Currency Transmitter (License # 20203960CT). Click here to access our NMLS licenses.

Banking services are provided by Community Federal Savings Bank (“CFSB”), Member FDIC and deposits are held by CFSB and Wells Fargo Bank, Members FDIC. Inter is not a depository institution, deposits held at CFSB and Wells Fargo are not eligible for FDIC insurance.

The Inter US Checking account is provided by Continental Bank, Member FDIC. Inter US Checking accounts are FDIC-insured up to US$250,000. Inter US Checking account funds are eligible for FDIC insurance up to the allowable limit through Continental Bank, Member FDIC, and other program banks. Coverage is subject to aggregation of all of each account holder’s funds held on deposit at Continental Bank or at each of its program banks. Funds generated through Inter’s payment processing services are generally available in the Inter US Checking account balance immediately after a payment is processed. Fund availability times may vary due to technical issues. Inter is not a bank. Inter US Checking accounts do not provide monthly paper statements and do not issue physical paper checks. Inter US Checking accounts are not interest-bearing accounts.

FDIC deposit insurance coverage only protects against the failure of an FDIC-insured deposit institution. If you have an Inter US Checking account, up to US$250,000 of your balance may be covered by FDIC insurance on a pass through basis through Continental Bank, Member FDIC, subject to aggregation of the account holder’s funds held at Continental Bank and if certain conditions have been met.

Mortgage services are provided by Inter US Finance, LLC (NMLS ID #1161874), an affiliate of Inter & Co Payments, Inc.

Securities brokerage services are provided by Inter&Co Securities LLC, Member FINRA/SIPC , an affiliate of Inter & Co Payments, Inc. and a wholly-owned subsidiary of Inter&Co US Holding. View important information and disclosures here .

If you have any questions or concerns regarding any transaction, please write to us at 501 Brickell Key Drive, Suite 202, Miami, FL 33131, or by email at help@inter.co or by calling us at 1-888-305-7264.

The Inter US Mastercard® Credit Card is issued by Continental Bank, Member FDIC, pursuant to alicense from Mastercard International Incorporated and may be used wherever Mastercard debit is accepted. The Inter US Mastercard® Credit Card is issued by Continental Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard is accepted. For more information about the Inter US Mastercard credit and debit cards please see the applicable cardholder agreements.

中文摘要(便于技术评估)

Inter 是一款面向个人与小型企业的综合金融应用,提供账户管理、卡片(实体/虚拟)、投资(股票与 ETF)、礼品卡与返现、以及向 60 多国发起的国际汇款功能。应用支持多语种客户服务并与多家银行和券商合作提供托管与清算服务。上述信息用于评估可行的接口与合规边界。