DBS / POSB digibank — Integration & Protocol Analysis

One-stop OpenFinance integration: account overview, transfers, digital token flows, PayLah! & remittance bridging.

Services start at $300
OpenBanking · Protocol Analysis · Digital Token · Remittance

Connect DBS digibank capabilities to your backend securely and compliantly

We analyze mobile authorization flows, refactor app interfaces into well-documented APIs and deliver runnable source code (Node.js / Python / Go) ready for production or sandbox testing.

Account & Overview APIs — balances, account list, aggregated net worth and multi-bank linking (PSD2-style aggregation patterns).
Payments & Transfers — intra-bank transfers, PayNow/PayLah! handoffs, international remit flows (DBS Remit) and scheduled payments.
Authentication & Digital Token — reverse‑engineered authorization sequences (safe, lawful reverse engineering when permitted), Digital Token validation steps, session refresh, and biometric session mapping.
Insights & Money Management — transaction search (18-month window), category export (CSV/Excel/PDF), bills & e-invoice integration and budget APIs.
Get a Quote See Deliverables

Our Deliverables

What we hand over

  • OpenAPI (Swagger) specification for delivered endpoints
  • Protocol analysis report (auth flows, token lifecycle, challenge steps)
  • Runnable source code (Node.js / Python) with Docker containers
  • Automated test scripts and Postman collection
  • Integration guide, deployment checklist and compliance notes

Example: Fetch transactions (illustrative)

POST /api/v1/dbs/transactions
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "account_id": "SG123-456789-01",
  "from_date": "2025-01-01",
  "to_date": "2025-06-30",
  "page": 1,
  "page_size": 200
}

Response: {
  "status":"OK",
  "transactions": [
    {"id":"TXN001","date":"2025-05-10","amount":-42.50,"currency":"SGD","description":"Grocery Store","balance":1200.30},
    {"id":"TXN002","date":"2025-05-12","amount":2500.00,"currency":"SGD","description":"Salary Credit","balance":3700.30}
  ]
}

Key integration scenarios

Register & onboard customers, read balances, search 18 months of transactions, initiate transfers, verify with Digital Token flow, connect PayLah! handoffs and support DBS Remit for cross-border payouts.

Core Benefits

  • Production‑ready code and API docs for rapid integration
  • Security-first: session handling, token rotation, challenge mapping
  • Compliance advice: Singapore regulations, data residency and consent logging
  • Multi-language readiness and -optimized endpoints for developer portals

Typical timeline & pricing

Starter projects from $300 → includes protocol analysis + sample endpoint. Typical delivery 5–12 business days depending on scope. Complex remittance or enterprise-grade integration with approvals may require longer timelines.

API Integration Instructions (What we need from you)

Required inputs

  1. Confirm target app: "DBS / POSB digibank" (package id, platform: Android/iOS)
  2. Clear scope: balance, transactions, transfers, remit, token emulation, PayLah! bridging or other
  3. Provide any test credentials, sandbox access, or sample accounts (if available)
  4. Regulatory/consent constraints and required data retention policy

Recommended delivery items

  • OpenAPI spec & Postman collection
  • Containerized microservice with examples (Docker)
  • Automated tests and CI snippets
  • Integration checklist and logging/audit suggestions

About our studio

We are a technical services studio focused on app interface integration and authorized API implementation. Our team has extensive experience in mobile banking, fintech integration, and protocol analysis. We deliver compliant, production-ready APIs, interface documentation and automated test suites for global clients.

  • Cross-platform (Android & iOS) protocol analysis
  • OpenData / OpenFinance & third-party integrations
  • Source code delivery (Node/Python/Go) with deployment guides
  • Transparent pricing and pay-on-delivery option

Contact

To start, provide the exact scope and any sandbox credentials. Visit our contact page to request a proposal and NDA:

/contact.html — Contact us

Original App — DBS / POSB digibank (collapsed) 
SET UP YOUR DIGIBANK APP IN UNDER 3 MINUTES. (3 STEPS)
- Step 1: Download DBS digibank app
- Step 2a: Existing customer: Register with your DBS ATM/Debit/Credit Card number and PIN, or via SingPass Face Verification (Singaporean/PR only)
- Step 2b: New customer: Sign up with MyInfo and start banking with a bank account, debit card, PayNow and PayLah! (for all nationalities – NEW!)
- Step 3: Set up your Digital Token and you’re done!

EVERYDAY BANKING MADE SIMPLE.
- Peek at account balance without logging in
- Open just one fixed deposit account for all currencies and change your maturity instruction in real-time
- Apply for accounts, loans and credit cards
- Get multiple products and services at one go with Starter Packs
- Transfer money overseas with DBS Remit – same-day transfers, S$0 fees
- Save time with Smart Shortcuts, based on your top actions
- Move seamlessly between digibank and PayLah! with just a one-time login

SMART SERVICES PERSONALISED TO YOU.
- Manage money better, from paying bills and subscriptions, to tracking cashflow and growing your money with personalised insights
- Get reminders on upcoming payments, insights on possible duplicated payments and sudden bill increases
- Verify your transactions securely with Digital Token
- Chat with digibot for help on your account, transactions, or even loan application – on-demand 24/7
- With the new insights tab, you get improved links and prefilled information. We’re making the next step in your banking journey more convenient, so you can focus on what matters the most.

NAVIGATE MONEY WITH CONFIDENCE.
- Investing in digiPortfolio has never been easier. You can now invest in new portfolios or monitor existing ones on-the-go.
- Get a financial overview with personalised insights to help achieve your financial goals on our newly designed dashboard
- View 'Your Net Worth' to see the big picture of your money, including other banks and government accounts
- Make your money work harder with Singapore’s first digital investment advice feature
- Looking to buy your first home? Simulate how this goal affects your future cashflow and CPF balances 10, 20 years down the road

SUSTAINABILITY MADE EASY, AFFORDABLE AND MORE REWARDING
- Living sustainably doesn’t have to be inconvenient.
- Track, Offset, Invest and Give Better with just one tap.
- Learn how you can lead a greener lifestyle with bite-sized tips on-the-go.
- Gain access to green deals right at your fingertips.
- Make the world a better place with DBS LiveBetter!