FINNIX Revolving Credit Line Data API

MONIX Co., Ltd. · Lending 4.8 ★

FINNIX: Revolving Credit Line is the Android client of MONIX Co., Ltd. (บริษัท มันนิกซ์ จำกัด), an SCBX-group nano-finance lender supervised by the Bank of Thailand and based at 9, 2nd floor, Learning Center, Ratchadaphisek Road, Chatuchak, Bangkok 10900. Borrowers open สินเชื่อนาโนฟินนิกซ์ติดปีก — a revolving occupational credit line of up to 100,000 THB at 2.75% a month (33% a year), draw 24 hours without a branch visit, and repay interest-only or extra principal (ลดต้นลดดอก). Sign-in is a Thai mobile OTP plus a 6-digit PIN; identity is a national-ID camera with laser code, FaceTec liveness, ThaiD, NDID, or SCB EASY, plus a bank statement rather than a salary slip. The Play listing markets it as a lending app for opportunities under Bank of Thailand supervision, with a 4.80 rating across 316,521 reviews and 10M+ downloads. Customer service is 0-2113-1113. The client sits among other Thai nano-finance and personal-loan apps aimed at นักสู้ชีวิต — gig, trade and small-shop borrowers.

Thai ID laser rows pin nationalId to laserId together with firstNameTh, lastNameTh and titleTh, then FaceTec sets livenessPassed on the same faceSessionId. ThaiD returns thaidCitizenId; NDID adds ndidRequestId, consentId and idpNodeId; SCB TechX review stores ekycRef and cardIdNumber.

Revolving headroom contrasts creditLimit with availableLimit and drawnAmount, while minPaymentAmount sits at interestRateMonthly. A draw writes drawAmount and transferRef onto bankAccountNo; repayments post repayType against remainingPrincipal. Collectors and credit desks use those fields for บัตรประชาชน-to-บัญชี checks and เบิกเงิน matching; openData Studio turns the same surface into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Send login OTP

POST /v1/sessions/otp-requests osint

Sends a 6-digit login OTP to mobileNumber over otpChannel and returns otpTtlSec plus refCode for the verify screen.

Auth: Unauthenticated. JSON body mobileNumber in Thai 0xx format.

mobileNumber
otpChannel
otpTtlSec
refCode

POST /v1/sessions/otp-requests HTTP/1.1
Content-Type: application/json

{
  "mobileNumber": "0812345678",
  "otpChannel": "sms"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "mobileNumber": "0812345678",
    "otpChannel": "sms",
    "otpTtlSec": 60,
    "refCode": "A7K2"
  }
}

Verify OTP session
POST /v1/sessions/otp-exchange osint
Exchanges otpCode and refCode for sessionToken, userId and pinSet, which decides whether a first-time user is sent to the PIN-setup screen.
Auth: Unauthenticated. JSON body mobileNumber, otpCode and refCode. Returns sessionToken used as Authorization: Bearer.
- mobileNumber
- otpCode
- refCode
- sessionToken
- userId
- pinSet
```
POST /v1/sessions/otp-exchange HTTP/1.1
Content-Type: application/json

{
  "mobileNumber": "0812345678",
  "otpCode": "483920",
  "refCode": "A7K2"
}
```
```
{
  "code": 0,
  "msg": "OK",
  "data": {
    "sessionToken": "<session-token>",
    "userId": "FNX10086001",
    "mobileNumber": "0812345678",
    "pinSet": false
  }
}
```

Set lock PIN

POST /v1/sessions/lock-code osint

Stores the 6-digit codePin that re-locks the app and its embedded home view (h5LockPin) on later sessions.

Auth: Bearer sessionToken from the OTP verify step.

codePin
codePinConfirm
pinSet
h5LockPin
userId

POST /v1/sessions/lock-code HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "codePin": "258147",
  "codePinConfirm": "258147"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "userId": "FNX10086001",
    "pinSet": true,
    "h5LockPin": true
  }
}

National ID OCR

POST /v1/identity/document-scan opendata

Commits Thai national-ID OCR: nationalId, laserId, Thai title/name and dateOfBirth, returning ocrVerified.

Auth: Bearer sessionToken.

nationalId
laserId
titleTh
firstNameTh
lastNameTh
dateOfBirth
ocrVerified

POST /v1/identity/document-scan HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "nationalId": "1234567890123",
  "laserId": "JT0-1234567-89",
  "titleTh": "นาย",
  "firstNameTh": "สมชาย",
  "lastNameTh": "ใจดี",
  "dateOfBirth": "1990-01-15"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "nationalId": "1234567890123",
    "laserId": "JT0-1234567-89",
    "titleTh": "นาย",
    "firstNameTh": "สมชาย",
    "lastNameTh": "ใจดี",
    "dateOfBirth": "1990-01-15",
    "ocrVerified": true
  }
}

FaceTec liveness

POST /v1/identity/liveness-sessions opendata

Confirms FaceTec 3D liveness against the OCR nationalId and returns livenessPassed.

Auth: Bearer sessionToken.

faceSessionId
livenessPassed
ocrVerified
nationalId

POST /v1/identity/liveness-sessions HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "faceSessionId": "ft_sess_9ab2",
  "nationalId": "1234567890123"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "faceSessionId": "ft_sess_9ab2",
    "livenessPassed": true,
    "ocrVerified": true,
    "nationalId": "1234567890123"
  }
}

ThaiD OAuth callback

POST /v1/identity/national-sso/callback osint

Exchanges a ThaiD OAuth authorization code for thaidCitizenId and Thai name fields.

Auth: Bearer sessionToken. Body carries the ThaiD authorization code.

thaidAuthCode
redirectUri
thaidCitizenId
firstNameTh
lastNameTh
thaidVerified

POST /v1/identity/national-sso/callback HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "thaidAuthCode": "<auth-code>",
  "redirectUri": "app://thaid/callback"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "thaidCitizenId": "1234567890123",
    "firstNameTh": "สมชาย",
    "lastNameTh": "ใจดี",
    "thaidVerified": true
  }
}

NDID IdP consent

POST /v1/identity/federated-consent osint

Starts an NDID identity request against a chosen idpNodeId and returns ndidRequestId plus consentUrl.

Auth: Bearer sessionToken.

idpNodeId
nationalId
ndidRequestId
consentId
consentUrl

POST /v1/identity/federated-consent HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "idpNodeId": "SCB",
  "nationalId": "1234567890123"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "ndidRequestId": "ndid_req_8841",
    "consentId": "cns_22ab",
    "idpNodeId": "SCB",
    "consentUrl": "https://idp.example.th/consents/cns_22ab"
  }
}

SCB TechX eKYC review

POST /v1/identity/partner-review opendata

Commits the SCB TechX eKYC review screen (cardIdNumber, Thai names) and returns ekycStatus.

Auth: Bearer sessionToken. The SCB partner leg is brokered with server-held partner credentials.

ekycRef
cardIdNumber
givenNameTh
lastNameTh
ekycStatus

POST /v1/identity/partner-review HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "ekycRef": "scb_ekyc_4410",
  "cardIdNumber": "1234567890123",
  "givenNameTh": "สมชาย",
  "lastNameTh": "ใจดี"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "ekycRef": "scb_ekyc_4410",
    "cardIdNumber": "1234567890123",
    "givenNameTh": "สมชาย",
    "lastNameTh": "ใจดี",
    "ekycStatus": "VERIFIED"
  }
}

Credit-line snapshot
GET /v1/lines/revolving openfinance
Reads the revolving nano line: creditLimit versus availableLimit and drawnAmount, plus minPaymentAmount at interestRateMonthly.
Auth: Bearer sessionToken. The embedded home view also re-checks h5LockPin.
- userId
- creditLimit
- availableLimit
- drawnAmount
- minPaymentAmount
- interestRateMonthly
- currency
```
GET /v1/lines/revolving HTTP/1.1
Authorization: Bearer <session-token>
```
```
{
  "code": 0,
  "msg": "OK",
  "data": {
    "userId": "FNX10086001",
    "creditLimit": 100000.00,
    "availableLimit": 72500.00,
    "drawnAmount": 27500.00,
    "minPaymentAmount": 756.25,
    "interestRateMonthly": 0.0275,
    "currency": "THB"
  }
}
```

Draw disbursement

POST /v1/lines/revolving/withdrawals openbanking

Draws drawAmount from the revolving line onto bankAccountNo and returns transferRef plus the updated availableLimit.

Auth: Bearer sessionToken.

drawAmount
bankAccountNo
bankCode
drawId
transferRef
disbursedAt
availableLimit
drawnAmount
currency

POST /v1/lines/revolving/withdrawals HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "drawAmount": 5000.00,
  "bankAccountNo": "1234567890",
  "bankCode": "014"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "drawId": "DRW88421",
    "drawAmount": 5000.00,
    "transferRef": "SCB20261020X91",
    "disbursedAt": "2026-10-20T12:04:11+07:00",
    "availableLimit": 67500.00,
    "drawnAmount": 32500.00,
    "currency": "THB"
  }
}

Repay revolving balance

POST /v1/lines/revolving/payments openbanking

Posts repayAmount as interest_only or principal; remainingPrincipal and availableLimit refresh on the home card.

Auth: Bearer sessionToken.

repayAmount
repayType
repayId
remainingPrincipal
availableLimit
minPaymentAmount
currency

POST /v1/lines/revolving/payments HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "repayAmount": 756.25,
  "repayType": "interest_only"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "repayId": "RPY33108",
    "repayAmount": 756.25,
    "repayType": "interest_only",
    "remainingPrincipal": 27500.00,
    "availableLimit": 72500.00,
    "minPaymentAmount": 756.25,
    "currency": "THB"
  }
}

Bind disbursement account

POST /v1/borrowers/disbursement-accounts openbanking

Binds the same-name disbursement account and optional bank statement, returning accountVerified.

Auth: Bearer sessionToken. A prior file upload may attach statementFileId.

bankCode
bankAccountNo
accountName
statementFileId
bankAccountId
accountVerified

POST /v1/borrowers/disbursement-accounts HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "bankCode": "014",
  "bankAccountNo": "1234567890",
  "accountName": "สมชาย ใจดี",
  "statementFileId": "upl_77c1"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "bankAccountId": "ba_9012",
    "bankCode": "014",
    "bankAccountNo": "1234567890",
    "accountName": "สมชาย ใจดี",
    "statementFileId": "upl_77c1",
    "accountVerified": true
  }
}

Where teams use this data

Thai ID to disbursement match
Credit desks join nationalId / thaidCitizenId and firstNameTh lastNameTh to accountName on the bound bank row so a mismatched บัตรประชาชน versusบัญชี is blocked before drawAmount leaves availableLimit.
Revolving-headroom ops
Treasury bots watch creditLimit versus availableLimit and drawnAmount after each drawId, matching transferRef on bankAccountNo (bankCode 014 SCB and peers) to confirm the เบิกเงิน payout landed.
Min-pay collections
Collectors schedule minPaymentAmount at interestRateMonthly, then post repayType interest_only or principal and escalate when remainingPrincipal does not fall after the due window.
NDID / ThaiD identity rail
Compliance stacks store ndidRequestId, consentId, idpNodeId and thaidAuthCode beside FaceTec livenessPassed so a failed IdP consent can fall back to laserId OCR without re-running the whole file.

Frequently asked questions

What borrower records does FINNIX expose after sign-in?

The signed-in sessionToken returns the national-ID OCR row (nationalId, laserId, firstNameTh, lastNameTh, titleTh), FaceTec livenessPassed, ThaiD thaidCitizenId, NDID ndidRequestId / consentId, the SCB ekycRef, the revolving snapshot (creditLimit, availableLimit, drawnAmount, minPaymentAmount) and the bound bankAccountNo / accountName.

How does the Android client authenticate?

Send OTP posts mobileNumber; verify OTP exchanges the 6-digit otpCode and refCode for sessionToken and userId. Set-PIN stores codePin and the h5LockPin flag for the lock screen. Later calls send Authorization: Bearer sessionToken.

How is a revolving draw repaid?

The repay call posts repayAmount with repayType interest_only or principal and returns remainingPrincipal, availableLimit and minPaymentAmount. Collectors match that minimum against interestRateMonthly before escalating.

Which identity rails can stand in for the ID camera?

ThaiD (thaidAuthCode → thaidCitizenId), NDID (idpNodeId → ndidRequestId / consentUrl) and SCB EASY / TechX eKYC (ekycRef, cardIdNumber). FaceTec liveness still runs against nationalId when the camera path is used.

Apps similar to FINNIX: Revolving Credit Line

LINE BK — LINE BK is KASIKORN LINE's digital bank in Thailand, with a nano credit line of up to 100,000 THB (maximum 33% a year) for business working capital and a personal revolving credit line of up to 800,000 THB (maximum 25% a year).
CardX — CardX is the SCBX subsidiary for non-bank credit cards and personal loans; CardX FLEX is a revolving credit line for cash withdrawals, transfers and Mastercard spending, open to applicants aged 20–60 with a minimum income of 15,000 THB a month.
Rabbit Cash — Rabbit Cash (บริษัท แรบบิท แคช จำกัด) is a Bank of Thailand–supervised online lender whose สินเชื่อแรบบิทแคช ผ่อนตามใจ product is a revolving occupational credit line for small-business operators, applied for in the Rabbit Cash app.
TIDJAI — TIDJAI is the official app of Ngern Tid Lor Public Company Limited, a Bank of Thailand–licensed vehicle-title lender that issues car, motorcycle and truck registration loans plus a Tidlor Card through a nationwide branch network.
Muangthai Capital — Muangthai Capital Public Company Limited is a Thai lender whose unsecured products include personal loans and nano-finance, alongside motorcycle, car and land-title loans, with a mobile app branded เมืองไทย แคปปิตอล.
AEON THAI MOBILE — AEON THAI MOBILE is the app of AEON Thana Sinsap (Thailand) Public Company Limited, which issues installment personal loans such as ONE LOAN (quoted 15.99%–24% for 12–60 months) and Happy Loan, plus revolving cash products AEON YourCash and AEON Max Limit.

More Lending apps

Topics

FINNIX API
FINNIX nationalId
FINNIX availableLimit
MONIX Co Ltd data
Thai nano finance creditLimit
FINNIX ndidRequestId
FINNIX drawAmount
Bank of Thailand revolving line fields

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FINNIX Revolving Credit Line Data API

Screenshots

API surface

Send login OTP

Verify OTP session

Set lock PIN

National ID OCR

FaceTec liveness

ThaiD OAuth callback

NDID IdP consent

SCB TechX eKYC review

Credit-line snapshot

Draw disbursement

Repay revolving balance

Bind disbursement account

Data categories

Where teams use this data

Thai ID to disbursement match

Revolving-headroom ops

Min-pay collections

NDID / ThaiD identity rail

Frequently asked questions

Apps similar to FINNIX: Revolving Credit Line

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?

FINNIX Revolving Credit Line Data API

Screenshots

API surface

Send login OTP

Verify OTP session

Set lock PIN

National ID OCR

FaceTec liveness

ThaiD OAuth callback

NDID IdP consent

SCB TechX eKYC review

Credit-line snapshot

Draw disbursement

Repay revolving balance

Bind disbursement account

Data categories

Where teams use this data

Thai ID to disbursement match

Revolving-headroom ops

Min-pay collections

NDID / ThaiD identity rail

Frequently asked questions

Related apps

Apps similar to FINNIX: Revolving Credit Line

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?