Belvo - Financial API for fintech innovators

Belvo

Let's build financial innovation together

Personal finances

Increase users' financial health through account consolidation, better spending analytics and proactive recommendations.

Build innovative and secure experiences for borrowers. Reduce your fraud risk and improve your scoring, while decreasing manual workload.

Accounting and ERP

Reduce manual errors and costs via automated accounting, simplified expense management and smoother invoicing.

Instantly authenticate and validate the owner of any account and streamline your KYC processes.

The easiest way to connect with financial institutions

Best coverage in Latin America

Connect to +90% of personal and business bank accounts as well as tax institutions.

All the data you need

Access owner information, account details, extensive transaction history and much more.

End-to-end encryption to ensure your user's data will always be safe and never compromised.

Easy end-to-end integration allowing you to focus on building delightful experiences for your users.

For developers, by developers

A few lines of code to connect to any financial institution in minutes.

Response Json

[
    {
        "id": "0d3ffb69-f83b-456e-ad8e-208d0998d71d",
        "type": "Cuentas de efectivo",
        "name": "Cuenta Perfiles- M.N.- - MXN-666",
        "number": "00314057068115181",
        "category": "CHECKING_ACCOUNT",
        "collected_at": "2019-09-27T13:01:41.941Z",
        "bank_product_id": "66",
        "currency": "MXN",
        "balance_current": "5874.13",
        "balance_available": "5621.12",
        "link": "30cb4806-6e00-48a4-91c9-ca55968576c8",
        "internal_identification": "2",
        "public_identification_name": "CLABE",
        "public_identification_value": "00314057068115181",
        "institution": {
            "name": "banamex",
            "type": "retail"
        },
        "credit_data": {
            "credit_limit": "192000.00",
            "collected_at": "2019-09-27T13:01:41.941Z",
            "cutting_date": "2019-12-11",
            "end_date": "2019-12-13",
            "minimum_payment": "2400",
            "monthly_payment": "1000.00",
            "no_interest_payment": "37390.83",
            "last_payment_date": "2019-10-28",
            "last_period_balance": "37390.83",
            "interest_rate": "4.02"
        }
    }
]

accounts

{
    "link": "2ccd5e15-194a-4a19-a45a-e7223c7e6717"
}

Get users accounts information

The accounts endpoint allows you to get full details on business and personal accounts along with real-time balance.

Response Json

[
    {
        "collected_at": "2019-10-02T14:00:36.182Z",
        "value_date": "2019-09-25T07:00:00.000Z",
        "accounting_date": "2019-09-25T07:00:00.000Z",
        "amount": 2145.45,
        "balance": 16907.96,
        "currency": "MXN",
        "description": "SEVEN BUDDHAS RFC:XXXXXXXXXX",
        "reference": "8703",
        "type": "OUTFLOW",
        "status": "PENDING",
        "account": {
            "type": "Cuentas de efectivo",
            "name": "Cuenta Perfiles- M.N.- - MXN-666",
            "number": "00314057068115181",
            "category": "CHECKING_ACCOUNT",
            "collected_at": "2019-09-27T13:01:41.941Z",
            "bank_product_id": "66",
            "currency": "MXN",
            "balance_current": "5874.13",
            "balance_available": "5621.12",
            "link": "30cb4806-6e00-48a4-91c9-ca55968576c8",
            "internal_identification": "2",
            "public_identification_name": "CLABE",
            "public_identification_value": "00314057068115181",
            "institution": {
                "name": "banamex",
                "type": "retail"
            }
        }
    }
]

transactions

{
    "link": "2ccd5e15-194a-4a19-a45a-e7223c7e6717",
    "account": "d4617561-1c01-4b2f-83b6-a594f7b3bc57",
    "date_from": "YYYY-MM-DD",
    "date_to": "YYYY-MM-DD"
}

Access transactions

The transactions endpoint provides up to 12 months of standarized transactional data for personal and business bank accounts.

Response Json

[
    {
        "id": "c749315b-eec2-435d-a458-06912878564f",
        "display_name": "John Doe",
        "first_name": "John",
        "last_name": "Doe",
        "second_last_name": "Smith",
        "phone_number": "+52-XXX-XXX-XXXX",
        "email": "johndoe@belvo.co",
        "collected_at": "2019-09-27T13:01:41.941Z"
    }
]

owners

{
    "link": "2ccd5e15-194a-4a19-a45a-e7223c7e6717"
}

Obtain user details

The owners endpoint allows you to retrieve account holder information like name, emails and phone numbers.

Build with ease

👉🏻 Extensive API documentation

👉🏻 Libraries for popular languages

👉🏻 Intuitive, easy-to-use tutorials

👉🏻 Simple, plug and play frontend modules

We can't wait to hear what you're going to build