兴趣爱好============================
SEN VAY API INTEGRATION GUIDE
============================
Turning Vietnam's Sen Vay loan app into a structured, callable API
--------------------
INTRODUCTION
--------------------
Sen Vay is a Vietnamese consumer-lending app (package com.sen.super.vay.tkd)
that connects borrowers to personal loans of 3.5 to 20 million VND, over
terms of 91 to 365 days. Every account it opens holds a real loan file —
principal, APR, service fee, repayment schedule and net-disbursed amount —
but that data lives only inside the borrower's authenticated session.
There is no export button, no spreadsheet, no public feed.
The Sen Vay API integration work described here is about reading that
data in a stable, consented, documented way: mapping the app's own
protocol into an OpenAPI specification a partner, lender, servicer or
risk team can actually call. It sits alongside Vietnam's own shift
toward open banking, anchored by the State Bank's Circular 64/2024
Open API framework and the country's Decree 13/2023 / Law 91/2025
personal-data rules.
--------------------
SUPPORTED API FEATURES
--------------------
• Loan application & offer retrieval — requested amount, term, APR
and product type as they move through the origination flow
• Repayment schedule access (AIS-style) — per-installment due date,
principal, interest and running balance
• Fee & cost breakdown — service fee and overdue-fee figures tied
to the specific loan, not generic marketing ranges
• Disbursement record mapping — gross amount, deductions and the
net-received figure (số tiền thực nhận)
• Borrower profile / KYC data — identity fields, contact details
and income declaration captured at registration
• Authenticated session handling — phone + OTP login modeled as a
refreshable token flow suitable for ongoing sync
------------
USE CASES & APPLICATIONS
------------
[1] Loan servicing & collections
• Pull live repayment schedules straight from the borrower account
• Track overdue balances against the app's own 0.1%/day cap
• Drive automated reminders and dunning workflows
[2] Risk & underwriting
• Prefill applications from existing KYC and income fields
• Cross-check declared income against historical loan behavior
• Speed up decisioning with borrower-consented data reuse
[3] Financial data aggregation
• Present a borrower's Sen Vay loan next to other obligations
• Normalize Vietnamese-lender data into one unified ledger view
• Support multi-app dashboards for personal finance tools
[4] Accounting & reconciliation
• Match disbursement and net-received figures to bank settlement
• Automate reconciliation instead of manual statement checks
• Reduce error rates in fee and interest bookkeeping
[5] Credit reporting alignment
• Normalize installment and payoff records for CIC-style reporting
• Sync on a cadence matched to national credit-bureau updates
• Support compliance reporting for lending partners
--------------------
BENEFITS & ADVANTAGES
--------------------
✓ Reads real account-bound loan figures, not headline marketing ranges
✓ Built on Vietnam's Circular 64/2024 Open API principles for the
bank-disbursement leg
✓ Consent-first design aligned with Decree 13/2023 and Law 91/2025
✓ Overdue-fee cap (0.1%/day, 18% ceiling) encoded directly in the
normalization layer for accurate balance sync
✓ Full Vietnamese-text and VND currency normalization, no mojibake
or rounding drift
✓ Delivered as source you own — OpenAPI spec, protocol report,
runnable client code and tests
✓ Durable across app updates, with mapping re-validated on changes
------------
SUBSCRIPTION PLANS
------------
Two straightforward engagement models are available:
• Source-code delivery — starting at $300, a one-to-two-week build
cycle, paid only after the integration works for you
• Pay-per-call hosted API — no upfront cost, endpoints run for you
and billed per call as your integration scales
--------------------
CONCLUSION
--------------------
Sen Vay's loan, repayment and KYC data is valuable to servicers,
risk teams and aggregators alike — but only once it is pulled out
of the app in a consented, structured, callable form. A properly
mapped Sen Vay API integration turns that borrower-side data into
a dependable feed you can build products on, without waiting for
Vietnam's broader Open API rollout to catch up.
Ready to connect to Sen Vay's loan data the right way?
------------
Learn more & get started:
https://openbankingstudio.com/sen-vay.html
