PLANET Loan App — Integración OpenData & OpenFinance

Análisis de protocolo, diseño de API y entrega de implementaciones seguras y listas para producción

Precio desde $300
OpenFinance · OpenData · Análisis de protocolo

Conecte PLANET Loan App a su ecosistema: préstamos, desembolsos, EMI y reporting

Ofrecemos una solución completa para extraer y exponer funciones financieras clave de la aplicación de préstamos (apertura de préstamos, cálculo de EMI, gestión de pagos, historial y reportes) mediante APIs seguras y conformes con regulaciones locales.

Funciones principales que implementamos

  • Integración de inicio de sesión y enlazado de cuentas (OAuth2 / Token seguro)
  • API de solicitud y desembolso de préstamos (consulta, aprobar, desembolsar)
  • Endpoints de extractos y estados de cuenta (CSV / JSON / OpenAPI)
  • Exportadores de reportes: Excel, PDF y feeds OpenData para agregadores
  • Automatización: scripts para validación de datos, pruebas y entrega continua

Entregables

  • Documento de análisis del protocolo y matriz de riesgos
  • Especificación OpenAPI (Swagger) completa
  • SDKs ejemplares (Node.js, Python) y tests automatizados
  • Guía de despliegue y plan de cumplimiento (KYC/KYB, retención de logs)

Módulos de integración (ejemplos)

API: Gestión de préstamos

// Ejemplo: crear solicitud de préstamo (pseudo-curl)
POST /api/v1/loans
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json
{
  'applicant_id': 'USER_12345',
  'amount': 50000,
  'term_days': 365,
  'product_code': 'PLNT-PERSONAL-STD'
}

Response: 201 Created
{
  'loan_id': 'LN_20251001_0001',
  'status': 'PENDING_APPROVAL',
  'emi_schedule': [...]
}

API: Extracto y reportes

// Consultar extracto (JSON o CSV)
GET /api/v1/accounts/{account_id}/statement?from=2025-01-01&to=2025-09-30
Authorization: Bearer <ACCESS_TOKEN>

Response: 200 OK (JSON)
{
  'account_id': 'AC_9988',
  'transactions': [ { 'date':'2025-09-10','amount':-1500,'type':'DISBURSE' }, ...]
}

Webhook / Notificaciones

// Alerta de pago recibido
POST /webhooks/loan-events
Headers: X-Signature
{
  'event': 'payment_received',
  'loan_id': 'LN_20251001_0001',
  'amount': 1500,
  'balance': 48500
}

Instrucciones de integración técnica

Autenticación y seguridad

  • Soportamos OAuth2 (Authorization Code) para integraciones con usuarios finales y Client Credentials para backend-to-backend.
  • Firma HMAC para webhooks (X-Signature) y rotación de claves cada 90 días.
  • Cifrado TLS 1.3, almacenamiento cifrado de secretos y políticas de acceso mínimo.

SDKs y ejemplos

Entregamos paquetes de ejemplo con instalación y pruebas unitarias:

# Node.js ejemplo (pseudo)
const axios = require('axios')
const token = process.env.PLANET_TOKEN
axios.post('https://api.example.com/v1/loans',{...},{headers:{Authorization:`Bearer ${token}`}})

OpenAPI & pruebas

Proveemos especificación OpenAPI 3.0, colección Postman y pipeline CI para tests de contrato.

Beneficios clave

Cumplimiento y privacidad

  • Diseñamos flujos basados en principios de privacidad por diseño y minimización de datos.
  • Soporte para auditorías KYC/KYB y generación de logs con trazabilidad para reguladores.

Rápida puesta en producción

  • Entrega típica: 5–15 días hábiles para un módulo de extractos o login; 10–30 días para integraciones completas.
  • Modelo: entrega incremental + pruebas de aceptación con su equipo.

Escalabilidad

  • APIs diseñadas para alta concurrencia, paginación y cache inteligente para reportes pesados.

Sobre nuestro estudio

Somos un estudio técnico especializado en integración de interfaces de aplicaciones móviles y análisis de protocolos. Nuestro trabajo cubre desde análisis de autorizaciones, refactorización de endpoints, integración OpenData / OpenFinance hasta entrega de SDKs, pruebas automatizadas y documentación operativa. Prestamos servicios conformes a normativas locales y buenas prácticas de seguridad.

  • Experiencia en fintech, pagos, lending y PSPs
  • Soporte multi-región y versiones Android/iOS
  • Transparencia en precio: desde $300, opción de entrega y pago contra aceptación

Contacto

Para solicitar propuesta técnica, NDA o enviar el nombre del App objetivo y los requisitos, visite nuestra página de contacto:

/contact.html — Contacto

Ofrecemos estimaciones rápidas tras revisión inicial y propuesta de alcance.

📱 Introducción completa de la App Original (PLANET Loan App) — desplegar para ver
// Texto original facilitado por el cliente

Need quick access to Instant Loans? The PLANET Loan App is your trusted financial solution to get loans online with ease.

PLANET Loan App is designed to support both immediate financial needs and long-term goals. Whether you require an instant personal loan for urgent expenses or a home loan for future planning, this secure finance app provides simple access to credit. With clear eligibility, transparent charges, and flexible repayment options, this loan app helps manage borrowing for personal, business, or education needs.

Why Choose PLANET Loan App?

● Loan App - Get Cash Instantly: Apply online and receive quick approval with fast disbursal directly to your account.
● Flexible Loan Options: From a personal loan app for immediate needs to a home loan or SME loan for larger goals, manage everything in one place.
● Fast & Reliable Access: Our instant personal loan app ensures timely approvals and disbursals without paperwork hassles.
● Smart Finance: Enjoy a 100% paperless process, EMI calculator, repayment tracking, and easy access to loan statements.
● Safe & Transparent Borrowing: All charges are disclosed upfront, with secure processing backed by an RBI-registered NBFC.

Highlights of Our Online Personal Loan Services

● Finance Amount: ₹50,000 to ₹25 Lakh
● Repayment Tenure: 12 to 60 months
● Annual Percentage Rate (APR): 10.5% to 26% (reducing basis)
● Processing Fees: 0% to 3%

Example:

● Loan Amount: ₹ 10,00,000/-
● Interest Rates: 12% p.a. on a reducing basis
● Tenure: 48 months
● Processing Fee (PF): 2% (₹ 20,000/-)
In this case, the actual loan details will be:
● Net disbursement amount - ₹9,80,000/- (Loan amount – PF)
● Estimated EMI: ₹ 26,445/-

If you opt for insurance, its cost will be added to the loan and increase the EMI accordingly.

Fee & charges information: https://www.ltfs.com/our-products/personal-loans/fees
Privacy Policy URL - https://www.ltfs.com/privacy-policy

T&C Apply

Loan Categories Available

● Personal Loan App - Apply online for quick and flexible personal loans with convenient EMIs.
● Instant Loan - Get urgent cash needs covered with fast approval and instant disbursal.
● Home Loan - Secure housing finance through a simple digital process with clear repayment options.
● Business & SME Loan - Manage working capital requirements or grow your business.
● Professional Loans - Tailored credit solutions for doctors, CAs, and self-employed individuals.
● Two-Wheeler Loan - Finance your bike or scooter with affordable EMI plans.
● Farm & Agri Loan - Simplified loan options to support farmers and agri-based enterprises.
● Micro Loan - Small ticket loans designed to meet short-term personal or business requirements.

Key Features of Planet Loan App

● Loan EMI Calculator: Estimate EMIs before applying.
● Credit Score Access: Track your CIBIL score directly.
● Loan Statements: Download repayment schedules, foreclosure letters, and NOC kits.
● Paperless Loans: Complete your application online with minimal documents.
● Finance Apps Convenience: Manage all loans and repayments in one place.

Who Can Apply?

● Salaried professionals across India.
● Self-employed individuals, entrepreneurs, and shop owners.
● Doctors, CAs, and professionals needing customized finance.
● Farmers and small businesses seeking agri or SME loans.

Why PLANET Loan App Stands Out - Safe and Secure Loans

Unlike many loan apps in India, PLANET offers a wide range of services - from instant loans to home loans, with clear rates, flexible EMIs, and transparency. As a trusted personal loan app and finance platform, the PLANET Loan App ensures a smooth and secure borrowing experience.

Download the PLANET Loan App today and apply for a personal loan, instant loan, or home loan, and more online. Manage your finances with confidence using one of India’s trusted finance apps.

Contact Us:
For feedback on our online loan app, mail us at ltfs-mobileapp@ltfs.com

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