Apps and their data APIs in Thailand
Thailand's nano-finance market: Bank of Thailand–supervised revolving occupational credit, Thai national-ID rails, and the data APIs behind them.
Thailand's hub covers the SCBX-group nano-finance client. FINNIX is MONIX Co., Ltd.'s Android app: a Thai mobile OTP issues a sessionToken, then national-ID rows pin nationalId to laserId with firstNameTh and lastNameTh, FaceTec sets livenessPassed, and ThaiD / NDID / SCB TechX return thaidCitizenId, ndidRequestId and ekycRef.
The same session hydrates the revolving snapshot — creditLimit, availableLimit, drawnAmount, minPaymentAmount at interestRateMonthly — then a draw writes drawAmount and transferRef onto bankAccountNo, and a repayment posts repayType against remainingPrincipal. Those are the endpoints behind every identity, draw and repay screen in the app.
Frequently asked questions
Which analyzed apps operate in Thailand?
The Thailand hub covers FINNIX: Revolving Credit Line, MONIX Co., Ltd.'s Bank of Thailand–supervised nano-finance app, documenting the API behind its national-ID, ThaiD/NDID, revolving-limit and disbursement screens.
What borrower data does the FINNIX API expose?
Signed-in calls return nationalId, laserId, firstNameTh, lastNameTh, livenessPassed, thaidCitizenId, ndidRequestId, ekycRef, the revolving snapshot (creditLimit, availableLimit, drawnAmount, minPaymentAmount) and the bound bankAccountNo.
How does the FINNIX app authenticate?
POST /v1/sessions/otp-requests sends a Thai mobileNumber OTP; POST /v1/sessions/otp-exchange exchanges otpCode and refCode for sessionToken. Later first-party calls send Authorization: Bearer sessionToken. There is no public developer key for these endpoints.
