Yape (BCP) — OpenFinance Integration & Protocol Analysis

Secure app protocol analysis, OpenData/OpenBanking API implementation and production-ready SDKs for payment & wallet features.

Starting at $300 — delivery-first option available
OpenFinance · OpenData · App Protocol Analysis · Payment Integration

Integrate Yape's wallet, QR and P2P capabilities into your platform — safely and compliantly

We analyze the Yape mobile client protocol, produce a compliant API implementation, and deliver SDKs, OpenAPI docs and automated test scripts tailored to your environment.

P2P transfers & QR payments — Capture payment flows, replicate secure QR pay endpoints, and provide web/mobile endpoints for receiving and initiating QR transactions.
Account linking & verification — Implement secure phone-number binding, biometric/OTP flows and CLABE/IBAN mapping where applicable.
Top-ups, bill-pay & agent cash-out — Transactional APIs to initiate top-ups, pay utilities and support agent/agent-network cash-out reconciliation.
Digital credit & microloan hooks — Integrate loan origination callbacks, repayment schedules and statement retrieval for consumer lending products.
Get a Quote See Deliverables

What we deliver

Deliverables

  • Protocol analysis report (auth flow, endpoints, certificates, rate limits)
  • OpenAPI (Swagger) specification and Postman collection
  • Production-ready API implementation (Node.js / Python / Go) with auth adapters
  • SDK samples for mobile & server, and automated test suite
  • Security checklist, compliance guidance and minimal data retention policy

Integration example — Transaction history

POST /api/v1/yape/transactions
Content-Type: application/json
Authorization: Bearer <YOUR_SERVICE_TOKEN>

{
  'phone': '+51-9XXXXXXXX',
  'from': '2025-10-01',
  'to': '2025-10-31',
  'type': 'payments|topup|cashout',
  'page': 1,
  'page_size': 100
}

Response: {
  'status':'ok',
  'transactions':[ { 'id':'txn_123','date':'2025-10-03T12:10:00Z','amount':-25.00,'description':'QR payment - Coffee','balance_after':125.00 } ]
}

Integration scenarios

Wallet sync, merchant settlement, realtime QR reconciliation, loan disbursement callbacks, agent network payouts and regulatory reporting (KYC/KYB logs, AML flags).

Core benefits for your business

  • Faster time-to-market with production-ready API code
  • Compliant integration: KYC, data minimization and regional rules
  • Reduced maintenance: test suites and CI-ready delivery
  • Portable SDKs for Android/iOS + server backends

API integration instructions (quick)

  1. Share the target app package name (com.bcp.innovacxion.yapeapp) and your use-cases.
  2. Provide authorization scope: test credentials or user-consented tokens where available.
  3. We perform protocol analysis & deliver a signed NDA report (if required).
  4. We implement API endpoints, test with your staging, and hand over docs + SDKs.
  5. Optionally we support production rollout and monitoring for a fixed period.

About our studio

We are a specialized integration studio focused on app-interface analysis and authorized API integrations for fintech and payments. Core team has hands-on experience with mobile reverse engineering, OpenBanking patterns, token-based auth systems and bank-grade compliance.

  • Clients worldwide: banks, e-wallets, PSPs and marketplaces
  • Deliverables: source code, OpenAPI specs, test plans and deployment guides
  • Security-first: we use safe terms like "protocol analysis" and "data extraction" and avoid unsafe language
  • Pricing transparency: projects start at $300; optional pay-after-delivery for qualified engagements

Contact & next steps

To request a scoping call, deliverables or a custom quote, visit our contact page and submit the target app + integration goals.

Contact Us

Full App Description — Yape (collapsed)

Yape is a mobile payments app backed by BCP (Banco de Crédito del Perú) that lets users send and receive money instantly in Peru. Key capabilities include:

  • Send & receive money 24/7 using mobile number or scanning QR codes.
  • Top-up mobile credit, pay utility bills, and purchase services inside the app.
  • Merchant QR acceptance and widespread adoption — millions of users and many merchants.
  • Loan products and microcredit options for eligible users — fast disbursements and repayment plans.
  • Agent & ATM network cash-out, deposit and withdrawal points.
  • Customer support, complaint resolution and in-app help channels.

This description is provided for technical integration planning. For commercial or legal inquiries, contact the official Yape/BCP channels.