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Easycash - Pinjaman Daring 图标

Easycash 现金贷额度与账单数据 API

PT Indonesia Fintopia Technology · 信贷 4.6 ★

在 Google Play 中打开

Easycash - Pinjaman Daring 是 PT Indonesia Fintopia Technology 的无抵押在线现金贷应用。该公司持有并接受印尼金融服务管理局（OJK）监管，总部在雅加达南区东库宁安 Setiabudi、Jalan Mega Kuningan Barat 1-2 Kav E4 的 Menara Dea 2 大厦 18–20 层。年满 18 岁的借款人无需抵押即可申请 10 万至 1 亿印尼盾、期限 3–12 个月的贷款，公布最高年化利率（APR）36%、无额外手续费；官方示例按日息 0.1%、90 天计算 500 万印尼盾利息 45 万（合计 545 万，约每月 181.6667 万）。审核通过后放款到银行账户，还款可通过 ATM、手机/网上银行、OVO、Alfamart、Alfamidi，合作银行包括 BCA、Mandiri、BRI、BNI、CIMB。同一 Android 客户端还带有面向出借人的 Investaja。借款人客服 [email protected]、电话 +62 811-4150-0866（周一至周日 8:00–20:00），出借人客服 [email protected]，Instagram @easycashid。Google Play 评分 4.62（2,762,206 条），安装量逾五千万，与 Kredivo、Akulaku 争夺同一批印尼 pinjaman 用户。

现金贷首页把 remainingCredit 对照 totalCredit，tempCredit 是限时加额；「我的」页把同一条线写成 homepageRemainCredits、quotaTotal 与 quotaUsed。核贷状态以 creditsStatus（从 NOT_APPLIED 到 ACCEPTED 或 REJECTED）下发，审核中还带 waitingSecond。

提款报价返回 loanAmount、receivedAmount、totalFee 与 repayAmount，分期行含 owedAmount 与 owedPrincipal。已下单记录携带 principal、interest、loanDays 与 displayStatus。未还账单列出 instalmentId、billingDate 与 totalUnpaidAmount；催收折扣可以把应付降到 adjustedAmount。还款通道按 channelType（BCA、Mandiri、BRI、BNI、CIMB、OVO）签发 accountNumber。已绑定放款账户暴露 credentialId、bankName 与 accountNumber。KYC 进度是 unfinishedSteps / finishedSteps，KTP NIK 用 hasIdentityNumber。催收台与信贷栈机器人用这些字段做夜间额度监控和对 VA 入账；openData Studio 把同一接口面变成可调用的开放数据。

应用截图

  • Easycash - Pinjaman Daring 应用截图 1
  • Easycash - Pinjaman Daring 应用截图 2
  • Easycash - Pinjaman Daring 应用截图 3
  • Easycash - Pinjaman Daring 应用截图 4
  • Easycash - Pinjaman Daring 应用截图 5

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构，为示意说明，并非实际抓包。

  • 密码登录

    POST /v1/borrower/sign-in osint

    用 mobileNumber 与 password 登录借款人（loginMode=PASSWORD、selectedSDKType=IDN_YQD）。JSON 正文返回 name、loanVipUser 与 traceId；会话令牌是 Set-Cookie 的 userToken，后续作为 Cookie 与 YQG-PLATFORM-USER-TOKEN 携带。

    认证方式： 请求体提交 mobileNumber 与 password；loginMode=PASSWORD、selectedSDKType=IDN_YQD。Set-Cookie 的 userToken 由客户端保存，后续以 Cookie userToken 和 YQG-PLATFORM-USER-TOKEN 回放

    • mobileNumber
    • name
    • hasPassword
    • loanVipUser
    • newlyRegistered
    • nextPage
    • selectedSDKType
    • traceId
    • userToken
    POST /v1/borrower/sign-in HTTP/1.1
Content-Type: application/json
CHANNEL: EASYCASH_GOOGLEPLAY_ID
platformType: ANDROID
clientType: NATIVE_ANDROID
YQG-PLATFORM-SDK-TYPE: IDN_YQD
YQG-PLATFORM-PACKAGE_NAME: com.fintopia.idnEasycash.google
build: 39713

{
  "mobileNumber": "081234567890",
  "password": "********",
  "loginMode": "PASSWORD",
  "selectedSDKType": "IDN_YQD",
  "isFirstOpenLoginPage": "false",
  "appsflyerId": "af-uid",
  "appInstanceId": "fi-instance"
}
    HTTP/1.1 200 OK
Set-Cookie: userToken=utk_8f21c0ab; Path=/; Secure; HttpOnly

{
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "hasPassword": true,
    "loanVipUser": false,
    "migration": false,
    "mobileNumber": "081234567890",
    "name": "Siti Nurhaliza",
    "newlyRegistered": false,
    "nextPage": "HOME",
    "selectedSDKType": "IDN_YQD",
    "showVipUIOfMePage": false,
    "traceId": "tr-91ab"
  }
}

  • 现金贷首页额度

    GET /v1/credit/summary openfinance

    加载已登录首页卡片：remainingCredit 对照 totalCredit、可选 tempCredit、displayStatus / exactStatus，以及还款条 recentUnpaidAmount、totalUnpaidAmount、recentlyBillingDate，外加产品 minAmount / maxAmount / stepAmount。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • remainingCredit
    • totalCredit
    • tempCredit
    • displayStatus
    • exactStatus
    • firstLoan
    • latestPayoutSuccessOrderId
    • recentUnpaidAmount
    • totalUnpaidAmount
    • recentlyBillingDate
    • minAmount
    • maxAmount
    • maxTerms
    • stepAmount
    GET /v1/credit/summary?triggerSource=HOME HTTP/1.1
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID
platformType: ANDROID
clientType: NATIVE_ANDROID
YQG-PLATFORM-SDK-TYPE: IDN_YQD
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "userInfo": {
      "remainingCredit": 4500000,
      "totalCredit": 8000000,
      "tempCredit": 500000,
      "displayStatus": "ENABLE_CREATE_ORDER",
      "exactStatus": "READY",
      "firstLoan": false,
      "latestPayoutSuccessOrderId": 882144,
      "loanVipUser": false,
      "repayment": {
        "orderId": "882144",
        "overdue": false,
        "recentUnpaidAmount": 1816667,
        "recentlyBillingDate": 1761321600000,
        "totalUnpaidAmount": 5450000,
        "seriouslyOverdue": false
      }
    },
    "product": {
      "minAmount": 100000,
      "maxAmount": 10000000,
      "maxTerms": 12,
      "stepAmount": 100000,
      "defaultChooseProductId": "P-90D"
    }
  }
}

  • 我的页信贷额度

    GET /v1/profile/credit-line openfinance

    读取「我的」页额度卡片：homepageRemainCredits、quotaTotal、quotaUsed 与 creditQuotaStatus，以及 userProfile.mobileNumber / emailContent 和 walletAmount。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • homepageRemainCredits
    • quotaTotal
    • quotaUsed
    • creditQuotaStatus
    • mobileNumber
    • emailContent
    • profileUrl
    • walletAmount
    • showDirectDebitEntrance
    GET /v1/profile/credit-line HTTP/1.1
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID
platformType: ANDROID
clientType: NATIVE_ANDROID
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "creditInfo": {
      "homepageRemainCredits": 4500000,
      "quotaTotal": 8000000,
      "quotaUsed": 3500000,
      "creditQuotaStatus": "ACCEPTED"
    },
    "userProfile": {
      "mobileNumber": "081234567890",
      "profileUrl": "https://cdn.example.com/p/siti.jpg",
      "emailContent": "[email protected]"
    },
    "walletInfo": {
      "walletAmount": "0",
      "walletText": "Saldo",
      "walletUrl": "https://app.example.com/wallet"
    },
    "showDirectDebitEntrance": true
  }
}

  • 授信申请状态

    GET /v1/credit/application-status openfinance

    返回核贷漏斗状态 creditsStatus（NOT_APPLIED、IN_REVIEW、ACCEPTED、REJECTED、CANCELLED、IMAGE_REVIEW_REJECTED），以及审核计时 passedTime / waitingSecond 和 jumpToCreateOrderPage、triggerAuthFlow 标志。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • creditsStatus
    • passedTime
    • waitingSecond
    • jumpToCreateOrderPage
    • jumpToLiving
    • triggerAuthFlow
    GET /v1/credit/application-status HTTP/1.1
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "creditsStatus": "IN_REVIEW",
    "inReviewResponse": {
      "passedTime": 1800,
      "waitingSecond": 5400,
      "showHomeSmeEntrance": false
    },
    "jumpToCreateOrderPage": false,
    "jumpToLiving": false,
    "triggerAuthFlow": true
  }
}

  • 金额费用报价

    GET /v1/loans/quote openfinance

    给出一笔现金贷提款报价：loanAmount 对照 receivedAmount、totalFee、repayAmount、firstRepayAmount、days/terms，以及 instalmentPlanList 行上的 owedAmount、owedPrincipal 与 owedPostInterest。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • loanAmount
    • receivedAmount
    • repayAmount
    • totalFee
    • firstRepayAmount
    • days
    • terms
    • productId
    • owedAmount
    • owedPrincipal
    • owedPostInterest
    • billingDate
    GET /v1/loans/quote?productId=P-90D&amount=5000000&couponId=0 HTTP/1.1
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "loanAmount": 5000000,
    "receivedAmount": 5000000,
    "repayAmount": 5450000,
    "totalFee": 450000,
    "firstRepayAmount": "1816667",
    "days": 90,
    "terms": 3,
    "productId": "P-90D",
    "instalmentPlanList": [
      {
        "termIdx": 1,
        "owedAmount": 1816667,
        "owedPrincipal": 1666667,
        "owedPostInterest": 150000,
        "billingDate": 1761321600000,
        "title": "Cicilan 1"
      }
    ]
  }
}

  • 创建现金贷订单

    POST /v1/loans openfinance

    提交一笔现金贷提款（principal、productId、paymentMethod、paymentCredentialId），返回 EasyCashOrder 的 id、actualAmount、interest、loanDays、terms、displayStatus 与 totalInitialRepayAmount。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • id
    • principal
    • actualAmount
    • interest
    • loanDays
    • remainDays
    • terms
    • displayStatus
    • billingDate
    • timeCreated
    • timeDeposited
    • totalInitialRepayAmount
    • repayType
    • isCompleted
    POST /v1/loans HTTP/1.1
Content-Type: application/json
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID

{
  "principal": "5000000",
  "productId": "P-90D",
  "paymentMethod": "BANK_ACCOUNT",
  "paymentCredentialId": "cred-441",
  "verificationCode": "123456",
  "scene": "NORMAL",
  "loanAllAmount": false
}
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "message": "OK",
    "order": {
      "id": "882144",
      "principal": 5000000,
      "actualAmount": 5000000,
      "interest": 450000,
      "loanDays": 90,
      "remainDays": 90,
      "terms": 3,
      "displayStatus": "PAYING",
      "billingDate": 1761321600000,
      "timeCreated": 1758643200000,
      "timeDeposited": 0,
      "totalExtraFee": 0,
      "totalInitialRepayAmount": 1816667,
      "repayType": "INSTALMENT",
      "isCompleted": false
    }
  }
}

  • 全部现金贷订单

    GET /v1/loans/records openfinance

    分页返回借款人现金贷历史：每条 OrderRecordInfo 上的 orderId、principal、unpaidAmount、status、terms、repaymentTime 与 restructure，以及 body.total。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • orderId
    • principal
    • unpaidAmount
    • status
    • terms
    • repaymentTime
    • displayTime
    • restructure
    • content
    • total
    GET /v1/loans/records?status=&offset=0&limit=20 HTTP/1.1
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "total": 2,
    "data": [
      {
        "orderId": "882144",
        "principal": 5000000,
        "unpaidAmount": 5450000,
        "status": "PAYING",
        "terms": 3,
        "repaymentTime": 1761321600000,
        "displayTime": 1758643200000,
        "restructure": false,
        "content": "Cicilan berjalan"
      }
    ]
  }
}

  • 分期账单列表

    GET /v1/bills/instalments openfinance

    列出账单页未还分期：instalmentId、amount、billingDate / billingDateDesc、millisToBillingDate，以及 body.totalUnpaidAmount 与 AmountResponse 上的 urgentUnpaidAmount。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • instalmentId
    • orderId
    • amount
    • billingDate
    • billingDateDesc
    • millisToBillingDate
    • disable
    • total
    • totalUnpaidAmount
    • urgentUnpaidAmount
    GET /v1/bills/instalments?status=UNPAID HTTP/1.1
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "total": 3,
    "totalUnpaidAmount": 5450000,
    "instalmentList": [
      {
        "instalmentId": "inst-1",
        "orderId": "882144",
        "amount": 1816667,
        "billingDate": 1761321600000,
        "billingDateDesc": "25 Okt 2026",
        "millisToBillingDate": 864000000,
        "disable": false
      }
    ],
    "amountResponse": {
      "urgentUnpaidAmount": "1816667",
      "urgentUnpaidAmountTitle": "Jatuh tempo",
      "totalUnpaidAmountDesc": "Rp5.450.000"
    }
  }
}

  • 分期还款试算

    POST /v1/bills/repayment-quote openfinance

    对选中的分期还款重新计价：催收折扣开启时给出 CollectionReduction.adjustedAmount，以及还款页展示的 tip。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • adjustedAmount
    • enabled
    • tip
    POST /v1/bills/repayment-quote HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID

scene=NORMAL&amount=1816667&canPartialRepayment=true&repaymentChannelPageDisplayStrategy=B
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "collectionReduction": {
      "adjustedAmount": 1750000,
      "enabled": true,
      "tip": "Diskon penagihan berlaku"
    }
  }
}

  • 按渠道还款虚拟账户

    POST /v1/payments/virtual-account openbanking

    为所选还款渠道（BCA、Mandiri、BRI、BNI、CIMB、OVO）签发虚拟账户：还款页展示的 accountNumber、channelName、channelType、canCopy 与 modes。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • accountNumber
    • channelName
    • channelType
    • canBeUsed
    • canCopy
    • logoUrl
    • tag
    POST /v1/payments/virtual-account HTTP/1.1
Content-Type: application/json
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID

{
  "channel": "BCA",
  "amount": 1816667,
  "instalmentIds": ["inst-1"],
  "couponId": 0
}
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "accountNumber": "7001234567890123",
    "channelName": "BCA Virtual Account",
    "channelType": "BCA",
    "canBeUsed": true,
    "canCopy": true,
    "logoUrl": "https://cdn.example.com/bank/bca.png",
    "tag": "VA",
    "modes": [
      { "mode": "ATM", "desc": "Transfer via ATM BCA" }
    ]
  }
}

  • 添加放款银行账户

    POST /v1/payout-accounts openbanking

    绑定放款银行账户（name、cardNumber、bankCode），返回 BankCardInfo 的 credentialId、accountNumber、bankName、paymentMethod 与 status（AVAILABLE / PENDING / IN_REVIEW）。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • accountNumber
    • bankCode
    • bankName
    • bankLogoUrl
    • credentialId
    • name
    • paymentMethod
    • status
    • ewallet
    POST /v1/payout-accounts HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID

name=Siti%20Nurhaliza&cardNumber=1234567890&bankCode=CENAIDJA&source=BIND_CARD
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "accountNumber": "1234567890",
    "bankCode": "CENAIDJA",
    "bankName": "BCA",
    "bankLogoUrl": "https://cdn.example.com/bank/bca.png",
    "credentialId": "cred-441",
    "name": "Siti Nurhaliza",
    "paymentMethod": "BANK_ACCOUNT",
    "status": "AVAILABLE",
    "ewallet": false
  }
}

  • 列出支付凭证

    GET /v1/payout-accounts openbanking

    列出创建订单时使用的已绑定放款凭证：paymentCredentials[].credentialId、accountNumber、bankName、paymentMethod 与 status。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • paymentCredentials
    • credentialId
    • accountNumber
    • bankCode
    • bankName
    • name
    • paymentMethod
    • status
    • ewallet
    GET /v1/payout-accounts HTTP/1.1
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "paymentCredentials": [
      {
        "credentialId": "cred-441",
        "accountNumber": "1234567890",
        "bankCode": "CENAIDJA",
        "bankName": "BCA",
        "name": "Siti Nurhaliza",
        "paymentMethod": "BANK_ACCOUNT",
        "status": "AVAILABLE",
        "ewallet": false
      }
    ]
  }
}

  • KYC 认证步骤

    GET /v1/kyc/progress osint

    返回 KYC 进度条：unfinishedSteps / finishedSteps（desc、webAuthUrl）、canEnterMinimaListProcess、mustEnterMergeAccount 以及首次提款前的 webPreLoanUrl。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • unfinishedSteps
    • finishedSteps
    • canEnterMinimaListProcess
    • mustEnterMergeAccount
    • webPreLoanUrl
    • desc
    • webAuthUrl
    GET /v1/kyc/progress HTTP/1.1
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "unfinishedSteps": [
      { "desc": "KTP", "webAuthUrl": "https://app.example.com/auth/ktp", "hideInProgressBar": false }
    ],
    "finishedSteps": [
      { "desc": "PHONE", "hideInProgressBar": false }
    ],
    "canEnterMinimaListProcess": false,
    "mustEnterMergeAccount": false,
    "webPreLoanUrl": "https://app.example.com/preloan"
  }
}

  • 证件号是否已登记

    GET /v1/identity/check/{mobileNumber} osint

    告诉注册/迁移流程该 mobileNumber 是否已有 identityNumber（KTP NIK），字段为 hasIdentityNumber。

    认证方式： POST /v1/borrower/sign-in（mobileNumber + password）签发的 Cookie userToken 与 YQG-PLATFORM-USER-TOKEN；另附 CHANNEL EASYCASH_GOOGLEPLAY_ID

    • hasIdentityNumber
    GET /v1/identity/check/{mobileNumber} HTTP/1.1
Cookie: userToken=utk_8f21c0ab
YQG-PLATFORM-USER-TOKEN: utk_8f21c0ab
CHANNEL: EASYCASH_GOOGLEPLAY_ID
    {
  "status": { "code": 0, "detail": "OK" },
  "body": {
    "hasIdentityNumber": true
  }
}

数据类别

  • 信贷额度
  • 现金贷订单
  • 分期账单
  • 还款虚拟账户
  • 绑定银行卡
  • KYC 步骤
  • 费用报价
  • 证件号登记

数据使用场景与案例

  • 现金贷额度监控

    放贷或催收台夜间拉取 remainingCredit 对照 totalCredit，以及「我的」页 quotaTotal / quotaUsed，homepageRemainCredits 用尽或 creditsStatus 仍为 IN_REVIEW 时就拦住新一笔提款。

  • 分期账单对账

    财务把未还分期列表里的 instalmentId、amount、billingDate 以及 totalUnpaidAmount 对到银行 VA 入账，逾期印尼盾账单当天即可标出。

  • 还款虚拟账户匹配

    运营按 BCA、Mandiri、BRI、BNI、CIMB 或 OVO 查出 accountNumber、channelName 与 channelType，让入账转到正确的 instalmentIds。

  • KYC 漏斗跟踪

    入职工具读取 unfinishedSteps / finishedSteps 与 hasIdentityNumber，看借款人是否还欠 KTP 上传，jumpToCreateOrderPage 才会变为 true。

常见问题

Easycash 暴露了哪些信贷额度字段？

GET /v1/credit/summary 在首页卡片返回 remainingCredit、totalCredit 和可选 tempCredit。GET /v1/profile/credit-line 把同一条线写成 homepageRemainCredits、quotaTotal、quotaUsed 与 creditQuotaStatus。GET /v1/credit/application-status 补充 creditsStatus（NOT_APPLIED、IN_REVIEW、ACCEPTED、REJECTED、CANCELLED、IMAGE_REVIEW_REJECTED）。

分期账单怎么还？

GET /v1/bills/instalments 返回 instalmentId、amount、billingDate 与 totalUnpaidAmount。POST /v1/bills/repayment-quote 可以套用 collectionReduction.adjustedAmount。随后 POST /v1/payments/virtual-account 为 BCA 或 OVO 等 channelType 签发 accountNumber。

这些调用如何鉴权？

POST /v1/borrower/sign-in 提交 mobileNumber 与 password（loginMode=PASSWORD、selectedSDKType=IDN_YQD）。会话是 Set-Cookie 的 userToken，后续以 Cookie userToken= 和 YQG-PLATFORM-USER-TOKEN 请求头回放。CHANNEL 为 EASYCASH_GOOGLEPLAY_ID。

现金贷放到哪张卡？

POST /v1/payout-accounts 绑定 name、cardNumber 与 bankCode 并返回 credentialId。GET /v1/payout-accounts 列出这些放款凭证。POST /v1/loans 再把 principal 打到该 paymentCredentialId，返回订单 id、actualAmount 与 interest。

与 Easycash - Pinjaman Daring 相似的应用

  • Kredivo — PT Kredivo Finance Indonesia 持 OJK 牌照的印尼先买后付与 pinjaman 额度，商户消费与现金贷并列。
  • Akulaku — 印尼先买后付与现金贷品牌，Play 评论里常与 Easycash 并列，面向同一批无抵押 pinjaman 用户。
  • Tunaiku — 印尼在线分期贷款应用（pinjaman dana online），与 Easycash 争夺同一批无抵押个人贷用户，提供按期限划分的还款计划。

更多信贷类应用

相关主题

  • Easycash API
  • Easycash 现金贷数据
  • remainingCredit
  • quotaTotal
  • instalmentId
  • PT Indonesia Fintopia Technology
  • 印尼现金贷接口

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