Vyom (Union Bank of India) — OpenBanking / API Integration Services

Based on Account Aggregator and Open Banking principles, offering Vyom protocol analysis, account aggregation, payments and reconciliation interfaces with a one-stop delivery

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

Securely access Vyom's account views, payments and aggregation capabilities within your systems

We provide enterprise-grade runnable source deliveries based on compliant authorization and public/authorized APIs: including account aggregation, UPI/payment integration, statement inquiries, transaction history synchronization, and secure session management.

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

Our Deliverables

Deliverables List

  • Protocol and authorization workflow analysis report (OAuth2, token flow, callback verification)
  • OpenAPI (Swagger) interface specifications and examples
  • Runnable server-side source code (Node.js / Python optional) and SDK
  • Automated tests, integration tests and Postman collection examples
  • Compliance recommendations and data minimization strategies (RBI / local regulations alignment)

Integration Example (Pseudo-code)

// Example: Obtain access token via OAuth2 and query aggregated accounts
POST /oauth2/token
Content-Type: application/x-www-form-urlencoded

grant_type=client_credentials&client_id=<CLIENT_ID>&client_secret=<SECRET>

// Use the token to request account aggregation
GET /api/v1/account-aggregator/accounts
Authorization: Bearer <ACCESS_TOKEN>

Response:
{
  'accounts': [
    {'id':'ACC-123','type':'SAVINGS','balance':12345.67},
    {'id':'CC-987','type':'CREDIT_CARD','balance':-2500.00}
  ]
}

// Statement export (by date)
POST /api/v1/accounts/ACC-123/statement/export
{ 'from':'2025-09-01','to':'2025-09-30','format':'excel' }

Key Integration Points

Session management (short-lived access tokens + refresh strategy), callback/Webhook verification (HMAC signatures), encryption of sensitive fields and compliant logging are central to a successful Vyom integration. We provide end-to-end solutions and production-ready code.

API Onboarding & Implementation Guide (Fast Track)

  1. Submit requirements: target features (e.g., account aggregation, UPI payments, reconciliation exports) and test accounts.
  2. Protocol analysis: we complete risk and authorization chain analysis within 2-4 business days.
  3. Interface design: design a unified access layer based on OpenAPI, defining callbacks and error handling conventions.
  4. Development & validation: deliver runnable server-side implementations, SDKs and automated tests.
  5. Deployment recommendations: API gateway, certificate management, key rotation and audit logging configurations.

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

Compliance & Security Measures

  • Work performed on authorized basis or with customer consent; NDA signing supported
  • End-to-end encryption of sensitive fields + HSM / cloud KMS integration
  • Detailed audit logs and data minimization retention policies
  • Callback signing (HMAC) and protection against replay attacks

About Us

We are a technical studio focused on app protocol analysis and compliant API integration, delivering production-ready interfaces and documentation for financial institutions, payment gateways and third-party providers. Core capabilities include protocol analysis (reverse engineering / data extraction terminology reframed for compliance), Open Banking and Account Aggregator integration, and automated reconciliation script delivery.

  • Supports Android & iOS protocol analysis and interface implementations
  • Deliverables: OpenAPI, sample source code (Node / Python), test scripts, deployment guidelines
  • Compliance-first: adhere to local regulations, privacy and KYC requirements
  • Transparent pricing: starting at $300, with post-delivery acceptance payment

Contact Us

To discuss integration feasibility, submit Vyom's target scenarios or obtain a quote, please visit our contact page:

Visit Contact Us

Collaboration Process (Overview)

  1. Confirm requirements: submit App name (Vyom) and target functionality points.
  2. Protocol analysis: 2-5 business days to complete risk and authorization chain assessment.
  3. Prototype development: quickly deliver API prototypes and Postman collections (3-8 business days).
  4. Acceptance & delivery: provide source code, documentation, testing scripts and onboarding guide (1-3 business days).

Typical first delivery cycle is 5-15 business days; more complex integrations or approvals may extend timelines.

📱 Original App: Vyom (Union Bank of India) Feature Overview (Collapsible)

The following are Vyom app feature descriptions as publicly listed in app stores (for technical analysis and integration reference):

  • Redesigned home page with dynamic background, quick access to common tasks.
  • Unified customer profile and account view: view relationship manager, account details and integrated information.
  • Account Aggregator functionality: aggregate and manage balances and transaction histories across multiple accounts.
  • Payment experience upgrade: centralize all payment methods (UPI, bill payments, auto-debit and reminders).
  • Quick resume of incomplete flows: continue banking operations from anywhere.
  • Accessible features: improved onboarding and accessibility.
  • Transaction help and customer support: create service requests, download forms, unified reconciliation exports and feedback.
  • New product journeys: ASBA (IPO applications), credit card / loan views and wealth management portal.
  • Security and important links: in-app access to security guidelines and announcements.

Note: Union Bank of India provides Vyom as its official digital channel client; all financial transactions must be executed under an agreement with the bank or via the bank's servers. This page content is for technical integration discussion only.