IKO API Integration & Protocol Analysis

Standard Deliverables

• API specifications (OpenAPI / Swagger) with sample requests/responses
• Protocol and authorization flow analysis (sessions, tokens, signing chains)
• Runnable server-side code (Node.js / Python) with SDK integration examples
• Automated test scripts, API validation cases and test data generation
• Compliance guidance (KYC, data retention, audit logs, privacy minimization)

Interface Examples (Pseudo-code)

# Query account balance (example pseudo-code)
GET /api/v1/iko/accounts/{account_id}/balance
Headers: Authorization: Bearer <ACCESS_TOKEN>

Response:
{
  "account_id": "PL12 3456 7890 0000 1111 2222 3333",
  "currency": "PLN",
  "available": 1234.56,
  "ledger": 1234.56,
  "as_of": "2025-10-20T12:00:00Z"
}

# Generate BLIK payment code (example)
POST /api/v1/iko/blik/create
{ "account_id":"...", "amount": 49.99 }
Response: { "blik_code": "123456", "expires_at": "2025-10-20T12:05:00Z" }

Key Modules

Account synchronization, transaction export, BLIK payments/refunds, NFC payments prototype, card management, on-site/off-site real-time transfers (Elixir / instant transfers), pending transactions preview and batch reconciliation.

Compliance First

All implementations are based on client authorization or public APIs, with audit logging, consent records, and data minimization strategies; recommendations align with local regulations.

Short Delivery Cycle

Protocol analysis in 2–5 business days; first version of API integration typically 5–12 business days (depending on complexity). Optional pay-as-you-go on delivery satisfaction.

Reusable SDK

Provides Node.js / Python SDK, frontend examples, and Postman collections to accelerate production integration and testing.

What We Need From You

• Target app name / package name (provided: pl.pkobp.iko)
• Integration scenarios and priority features (e.g., transaction export, BLIK, NFC)
• Test accounts or sandbox credentials (if any) and sample real accounts with authorization
• Whether compliance documents, NDA, or audit reports are required

Recommended Integration Steps

1. Confirm requirements and compliance boundaries (privacy, data retention, KYC constraints).
2. Collect and analyze app protocols (packet captures / protocol reverse engineering / public API catalog).
3. Design the API layer (OpenAPI) and security strategies (OAuth/JWT/signing).
4. Implementation and internal testing; provide SDK and automated test cases.
5. Deliver source code, API documentation, and go-live support.

Compliance & Technical Considerations

• All protocol analyses follow legal and compliant principles; obtain test APIs via official channels or sign access agreements when needed.
• Avoid storing sensitive credentials long-term; provide token lifecycle management and auto-refresh strategy.
• Provide detailed verification and audit logs for signing fields, NFC, and card management operations.
• Test the transaction chain in bank or regulator-designated sandbox environments before production.

About Us

We are a studio focused on mobile app protocol analysis and authorized API integration. Our team comes from payments, banking, and security research, specializing in turning complex mobile banking capabilities into maintainable, compliant server-side interfaces and SDKs.

• Extensive experience in financial app protocol analysis and API implementation
• Deliverables include source code, OpenAPI, test scripts, and compliance guidance
• Support GDPR/PSD2/local regulatory compliance implementation
• Phase-based delivery: Protocol analysis → PoC → Production deployment

Contact Us

To start a project, please provide the target app name and a concise requirement. Visit our contact page to submit details or request a proposal:

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