UangMe 贷款额度与账单数据 API
UangMe - Pinjaman Dana Online 是 Superatomfin 面向印尼借款人的 Android 现金贷客户端。用户用手机号加短信验证码注册,完成 KTP 拍照与活体检测、绑定放款银行,再从首页选择payday、分期或灵活还款现金贷产品。同一客户端还提供 BNPL 与条码商户授信、用于店内消费的虚拟信用卡、Alfamart 与 Doku 虚拟账户还款、DigiSign 电子签、优惠券,以及 PIN 或生物识别重新登录。应用仅服务印尼(uangme.id),与 AdaKami、Kredit Pintar、Easycash 争夺同一批 pinjaman online 用户。
现金贷余量拆成 cash_loan_limit、bnpl_limit、ecommerce_limit 与 ppob_limit,汇总在借款人 total_limit_amount 下;KTP 档案则带有 cardid、name、phone。待还账单挂上 loan_id、total_repayment_amount、repayment_date 以及 Alfamart 或银行 pay_code;分期行再给出 current_principal、current_interest 与 overdue_days。
信贷运营与催收用来盯额度变化、对账虚拟账户还款并标记逾期计划。进件把 KYC 步骤开关与优先放款卡(card_num、username)拼在一起。openData Studio 把这些记录变成可调用的开放数据。
应用截图
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。
发送登录短信验证码
POST
/v1/borrower/auth/sms-codeosint向 phone 发送 scene_type(登录或借款确认)对应的短信 OTP。成功 responseCode=200;4033 为验证码错误,4066 为过期。
认证方式: 登录前表单。登录后的调用在 authorization 头携带会话令牌,外加 timestamp 与签名。
- phone
- scene_type
- responseCode
- responseMsg
POST /v1/borrower/auth/sms-code HTTP/1.1 Content-Type: application/x-www-form-urlencoded phone=081234567890&scene_type=1{ "responseCode": "200", "responseMsg": "OK" }密码或验证码登录
POST
/v1/borrower/auth/signinosint用 login(手机号)、pass 与 type 换取 authorization 令牌,以及 new_user、hasLoginPass、commerce_status。锁定账号返回 4054,用户不存在返回 4032。
认证方式: 登录前表单:login、pass(OTP 或 PIN)、type。响应中的 authorization 令牌随后作为 authorization 头用于后续调用,并带 timestamp 与签名。
- login
- pass
- type
- blackbox
- authorization
- new_user
- hasLoginPass
- setpass
- commerce_status
- pass_loan_sms
- directInput
- responseCode
- responseMsg
POST /v1/borrower/auth/signin HTTP/1.1 Content-Type: application/x-www-form-urlencoded login=081234567890&pass=483920&type=sms&blackbox=<device_fingerprint>{ "responseCode": "200", "responseMsg": "OK", "authorization": "<session_token>", "login": "081234567890", "new_user": false, "hasLoginPass": true, "setpass": true, "commerce_status": 1, "pass_loan_sms": false, "directInput": false }借款人 KYC 与放款闸门
GET
/v1/borrower/onboarding/statusopendata加载首页闸门:status 上的 KYC 步骤(base/photo/work/bank)、verify 结果、在途 loanInfo(loanId、loanAmount、period)以及 WhatsApp 绑定。loanStatus=2 表示有待还账单。
认证方式: 登录接口签发的会话令牌放在 authorization 头,外加请求 timestamp 与签名头。
- verify
- verifyTitle
- verifyMsg
- userType
- has_vcn
- digisign_reg_status
- creditIsOpen
- status.base
- status.photo
- status.work
- status.bank
- loanStatus.loanStatus
- loanInfo.loanId
- loanInfo.loanAmount
- whatsAppInfo.whatsAppPhone
- whatsAppInfo.whatsappStatus
GET /v1/borrower/onboarding/status HTTP/1.1 authorization: <session_token> timestamp: 1729123200 sign: <hmac>{ "responseCode": "200", "responseMsg": "OK", "verify": 2, "verifyTitle": "Verifikasi berhasil", "verifyMsg": "Limit sudah aktif", "userType": 1, "has_vcn": 1, "digisign_reg_status": true, "creditIsOpen": true, "status": { "base": 1, "photo": 1, "work": 1, "social": 1, "bank": 1, "user_info": 1, "user_other_info": 1, "login_pass": 1, "pay_pass": 1, "proof": 1 }, "loanStatus": { "loanStatus": 2, "statusTitle": "Ada tagihan", "statusMsg": "Bayar sebelum jatuh tempo" }, "loanInfo": { "loanId": "LN-77881234", "loanAmount": 2000000, "period": 14, "periodUnit": 1, "productId": 2, "bankId": 14, "applyTime": 1729123200000, "pid": "2" }, "whatsAppInfo": { "whatsAppPhone": "081234567890", "whatsappStatus": 2, "needSubmitWhatsAppBeforeLoan": false, "showWhatsAppInMain": false } }KTP 身份资料
GET
/v1/borrower/identityosint返回已登录用户嵌套在 base 下的 KTP 身份记录:name、cardid、phone、birth_date、地址链(province_name 至 full_address)、紧急联系人与 expect_amount。
认证方式: 登录接口签发的会话令牌放在 authorization 头,外加请求 timestamp 与签名头。
- base.id
- base.name
- base.cardid
- base.phone
- base.email
- base.gender
- base.birth_date
- base.marriage
- base.education
- base.province_name
- base.city_name
- base.full_address
- base.emergancy_name
- base.expect_amount
- base.verifyStatus
GET /v1/borrower/identity HTTP/1.1 authorization: <session_token> timestamp: 1729123200 sign: <hmac>{ "responseCode": "200", "responseMsg": "OK", "base": { "id": 10086001, "name": "Budi Santoso", "cardid": "3174010101900001", "phone": "081234567890", "email": "[email protected]", "gender": 1, "birth_date": 19900101, "marriage": 2, "education": 3, "children_num": 1, "province_name": "DKI Jakarta", "city_name": "Jakarta Selatan", "districts_name": "Kebayoran Baru", "sub_districts_name": "Senayan", "full_address": "Jl. Asia Afrika No.8", "live_duration": 24, "emergancy_name": "Siti", "expect_amount": "2000000", "verifyStatus": 2, "emailStatus": 1 } }分产品授信额度
GET
/v1/credit/limitsopenfinance返回首页额度拆分:cash_loan_limit、bnpl_limit、ecommerce_limit、ppob_limit,对照 total_limit_amount / total_max_amount,以及临时 add_amount。
认证方式: 登录接口签发的会话令牌放在 authorization 头,外加请求 timestamp 与签名头。
- total_limit_amount
- total_max_amount
- cash_loan_limit
- bnpl_limit
- ecommerce_limit
- ppob_limit
- add_amount
- add_amount_id
- bnpl_description
- predict_available_amount_msg
- repay_incentive_msg
- user_temporary_quota_expiration_day_msg
GET /v1/credit/limits HTTP/1.1 authorization: <session_token> timestamp: 1729123200 sign: <hmac>{ "responseCode": "200", "responseMsg": "OK", "total_limit_amount": 3500000, "total_max_amount": 4000000, "cash_loan_limit": 2000000, "bnpl_limit": 800000, "ecommerce_limit": 400000, "ppob_limit": 300000, "add_amount": 500000, "add_amount_id": 88, "bnpl_description": "Bayar Nanti di merchant", "predict_available_amount_msg": "Limit tersedia Rp2.000.000", "repay_incentive_msg": "Bayar tepat waktu naik limit", "user_temporary_quota_expiration_day_msg": "Kuota sementara 3 hari" }现金贷产品目录
GET
/v1/loan/offersopenfinance列出可申请的现金贷 SKU:productId、minAmount/maxAmount、period/periodUnit、interestRate、serviceRate,以及 payday、月付、电商、条码产品开关。
认证方式: 登录接口签发的会话令牌放在 authorization 头,外加请求 timestamp 与签名头。
- has_loan_product
- has_monthly_product
- has_bar_code_product
- product_order
- products.productId
- products.pName
- products.minAmount
- products.maxAmount
- products.period
- products.periodUnit
- products.interestRate
- products.serviceRate
- products.isFlexible
GET /v1/loan/offers HTTP/1.1 authorization: <session_token> timestamp: 1729123200 sign: <hmac>{ "responseCode": "200", "responseMsg": "OK", "has_loan_product": 1, "has_monthly_product": 1, "has_commerce_product": 0, "has_bar_code_product": 1, "product_order": ["2", "1"], "products": [ { "productId": "2", "pName": "Payday 14 hari", "alias": "payday", "minAmount": 500000, "maxAmount": 2000000, "totalAmount": 2000000, "period": 14, "periodUnit": 1, "interestRate": 0.15, "serviceRate": 0.05, "isFlexible": 0, "isDefault": true, "billDay": 0, "product_desc": "Pinjaman harian" } ] }授信账户与默认银行卡
GET
/v1/credit/accountopenfinance返回借款人授信(credit、credit_total、creditLevel、max_amount)、期限行,以及优先放款卡(bank、card_num、username、status)。
认证方式: 登录接口签发的会话令牌放在 authorization 头,外加请求 timestamp 与签名头。
- credit
- credit_total
- creditLevel
- max_amount
- mini_amount
- total_amount
- interest_rate
- poundage_rate
- bill_day
- loanPeriods.period
- user_defult_bank.bank
- user_defult_bank.card_num
- user_defult_bank.username
- user_defult_bank.status
GET /v1/credit/account HTTP/1.1 authorization: <session_token> timestamp: 1729123200 sign: <hmac>{ "responseCode": "200", "responseMsg": "OK", "credit": 2000000, "credit_total": 3500000, "creditLevel": "B", "max_amount": 2000000, "mini_amount": 500000, "total_amount": 2000000, "interest_rate": 0.15, "poundage_rate": 0.05, "bill_day": 25, "pay_pass": 1, "loanPeriods": [ { "period": 14, "periodUnit": 1, "interestRate": 0.15, "serviceRate": 0.05, "isDefault": true } ], "user_defult_bank": { "id": "88", "uid": "10086001", "bank": "BCA", "card_num": "1234567890", "username": "BUDI SANTOSO", "mobile": "081234567890", "status": 1, "is_priority": 1, "channel": 1 } }提交现金贷订单
POST
/v1/loans/applicationsopenfinance用 money、period、bankId 下单现金贷。响应含 loanId、loanAmount、applyTime 与 loanFailStatus(1=银行放款失败)。
认证方式: 登录接口签发的会话令牌放在 authorization 头,外加请求 timestamp 与签名头。
- money
- period
- payday_period
- productId
- bankId
- loanId
- loanAmount
- periodUnit
- applyTime
- loanFailStatus
- pid
POST /v1/loans/applications HTTP/1.1 Content-Type: application/x-www-form-urlencoded authorization: <session_token> timestamp: 1729123200 sign: <hmac> money=2000000&period=14&payday_period=14&productId=2&bankId=14{ "responseCode": "200", "responseMsg": "OK", "loanId": "LN-77881234", "loanAmount": 2000000, "period": 14, "periodUnit": 1, "productId": 2, "bankId": 14, "applyTime": 1729123200000, "loanFailStatus": 0, "pid": "2" }待还账单
GET
/v1/repayments/bills/openopenfinance分页返回待还账单:loan_id、total_repayment_amount、repayment_date、overdue_days,以及账单页使用的 pay_code(Alfamart OTC 或银行 VA)。
认证方式: 登录接口签发的会话令牌放在 authorization 头,外加请求 timestamp 与签名头。
- hasMore
- fullData.loanId
- fullData.repaymentAmount
- fullData.dueDate
- fullData.payCode
- fullData.payType
- fullData.repayBankName
- lists.loan_id
- lists.total_repayment_amount
- lists.repayment_date
- lists.overdue_days
- lists.pay_code
- lists.pay_type
GET /v1/repayments/bills/open HTTP/1.1 authorization: <session_token> timestamp: 1729123200 sign: <hmac>{ "responseCode": "200", "responseMsg": "OK", "hasMore": false, "type": 1, "fullData": { "loanId": "LN-77881234", "repaymentAmount": 2280000, "originalAmount": 2300000, "dueDate": "25/10/26", "payCode": "880012345678", "payCodeType": "1", "payType": "otc", "repayBankName": "Alfamart", "couponAmount": 20000, "countdown": 86400 }, "lists": [ { "loan_id": "LN-77881234", "total_repayment_amount": 2280000, "originRepayAmount": 2300000, "currentBillRepayAmount": 2280000, "repayment_date": "2026-10-25", "overdue_days": 0, "total_overdue_amount": 0, "pay_code": "880012345678", "pay_code_type": "1", "pay_type": "otc", "bank_type": "alfamart", "merchantName": "UangMe", "status": 0 } ] }历史借款记录
GET
/v1/borrower/loans/recordsopenfinance返回结清与在途借款:loan_id、loan_amount、loan_date、status(0逾期 / 1已还 / 2放款中 / 3失败),以及 plan_list 每期本金、利息与费用。
认证方式: 登录接口签发的会话令牌放在 authorization 头,外加请求 timestamp 与签名头。
- lists.loan_id
- lists.product_id
- lists.loan_amount
- lists.loan_date
- lists.loan_period
- lists.should_repayment_amount
- lists.total_repayment_amount
- lists.status
- lists.bankCode
- plan_list.plan_id
- plan_list.current_principal
- plan_list.current_interest
- plan_list.current_fee
- plan_list.overdue_days
GET /v1/borrower/loans/records HTTP/1.1 authorization: <session_token> timestamp: 1729123200 sign: <hmac>{ "responseCode": "200", "responseMsg": "OK", "desc": "Riwayat pinjaman", "lists": [ { "loan_id": "LN-77881234", "parent_loan_id": "", "product_id": "2", "loanProductId": "2", "loan_amount": 2000000, "loan_date": "2026-10-11", "loan_period": 14, "borrowing_days": "14", "should_repayment_amount": 2280000, "total_repayment_amount": 2280000, "repayment_sum_money": 0, "overdueFee": 0, "status": 2, "bankCode": "BCA", "merchantName": "UangMe", "plan_list": [ { "plan_id": "PL-1", "current_principal": 2000000, "current_interest": 200000, "current_fee": 80000, "current_repayment_total_amount": 2280000, "curPlanRepaymentDate": "2026-10-25", "overdue_days": 0, "overdue_fee": 0, "status": 0 } ] } ] }还款渠道列表
GET
/v1/repayments/channelsopenbanking列出账单页可选还款通道:OTC Alfamart(value=otc)与银行虚拟账户(value=atm),含 Doku/Permata 的 bankList。
认证方式: 登录接口签发的会话令牌放在 authorization 头,外加请求 timestamp 与签名头。
- mMethodList.name
- mMethodList.value
- mMethodList.describe
- mMethodList.merchantName
- mMethodList.merchantTip
- mMethodList.iconUrl
- mMethodList.bankList
GET /v1/repayments/channels HTTP/1.1 authorization: <session_token> timestamp: 1729123200 sign: <hmac>{ "responseCode": "200", "responseMsg": "OK", "mMethodList": [ { "name": "Alfamart", "value": "otc", "describe": "Bayar di gerai Alfamart", "merchantName": "Alfamart", "merchantTip": "Tunjukkan kode bayar ke kasir", "iconUrl": "https://cdn.example.com/icons/alfamart.png", "bankList": [] }, { "name": "Virtual Account", "value": "atm", "describe": "Transfer VA Permata / Doku", "merchantName": "Permata", "bankList": [ { "bankName": "Permata", "bankCode": "PERMATA" } ] } ] }生成还款指令
POST
/v1/repayments/instructionsopenfinance为 loan_id 按 pay_type(otc 或 atm)生成还款指令。响应返回 repayment_real_amount、repayment_real_time 与 bank_type。
认证方式: 登录接口签发的会话令牌放在 authorization 头,外加请求 timestamp 与签名头。
- loan_id
- pay_type
- repayment_type
- bank_type
- order_type
- repayment_real_amount
- repayment_real_time
POST /v1/repayments/instructions HTTP/1.1 Content-Type: application/x-www-form-urlencoded authorization: <session_token> timestamp: 1729123200 sign: <hmac> loan_id=LN-77881234&pay_type=otc&repayment_type=1{ "responseCode": "200", "responseMsg": "OK", "bank_type": "alfamart", "order_type": 1, "repayment_type": "otc", "repayment_real_amount": 2280000, "repayment_real_time": "2026-10-19 14:22:01" }KTP 照片 OCR 核验
POST
/v1/borrower/identity/ocrosint以 id_card 上传 KTP 的 Base64 图像,返回 OCR 字段(name、cardid / id_card_num、birth_date、full_address),供 KTP 确认页使用。
认证方式: 登录接口签发的会话令牌放在 authorization 头,外加请求 timestamp 与签名头。
- id_card
- name
- cardid
- id_card_num
- birth_date
- full_address
- responseCode
POST /v1/borrower/identity/ocr HTTP/1.1 Content-Type: application/x-www-form-urlencoded authorization: <session_token> timestamp: 1729123200 sign: <hmac> id_card=data:image/jpeg;base64,/9j/4AAQ...{ "responseCode": "200", "responseMsg": "OK", "name": "BUDI SANTOSO", "cardid": "3174010101900001", "id_card_num": "3174010101900001", "birth_date": 19900101, "full_address": "JL ASIA AFRIKA NO 8 JAKARTA" }虚拟卡商户流水
GET
/v1/virtual-card/transactionsopenfinance分页返回虚拟信用卡消费:merchant_name、billing_amount、transaction_time,供应用内卡片流水使用。
认证方式: 登录接口签发的会话令牌放在 authorization 头,外加请求 timestamp 与签名头。
- pageNum
- pageCount
- data.merchant_name
- data.billing_amount
- data.transaction_time
GET /v1/virtual-card/transactions?pageNum=0 HTTP/1.1 authorization: <session_token> timestamp: 1729123200 sign: <hmac>{ "responseCode": "200", "responseMsg": "OK", "pageNum": 0, "pageCount": 1, "data": [ { "merchant_name": "Alfamart Senayan", "billing_amount": 125000, "transaction_time": "2026-10-18 19:04:11" } ] }
数据类别
- 授信额度
- KYC 资料
- 借款订单
- 分期计划
- 虚拟账户还款
- 卡片交易
- 绑定银行
数据使用场景与案例
监控拆分授信余量
催收或信贷运营机器人每天读取 cash_loan_limit、bnpl_limit、ecommerce_limit、ppob_limit,对照 total_limit_amount,并标记 add_amount 临时额度即将到期的借款人。
对账 Alfamart 与 VA 还款
财务用待还账单(loan_id、total_repayment_amount、pay_code、repayment_date)匹配 OTC Alfamart 或 Permata VA 指令(repayment_real_amount、bank_type),无需等待 PDF 对账单。
核保用 KYC 完整度
进件台把 UserStatus 步骤开关(status.base、status.photo、status.bank)与 KTP OCR 字段(cardid、name、full_address)以及优先放款卡(card_num、username)拼在一起,再决定是否允许复贷。
虚拟卡商户消费流
消费风控任务分页拉取 VCN 流水的 merchant_name、billing_amount、transaction_time,对照 bnpl_limit 识别条码商户突击消费。
常见问题
UangMe 返回哪些额度字段?
额度快照把 cash_loan_limit、bnpl_limit、ecommerce_limit、ppob_limit 对照 total_limit_amount 与 total_max_amount,并可能带有即将到期的临时 add_amount。账户记录另有 credit、credit_total、creditLevel、max_amount、mini_amount。
除了额度,能否读到账单和还款码?
可以。待还账单含 loan_id、total_repayment_amount、repayment_date、overdue_days 与 pay_code(Alfamart OTC 或 Permata/Doku 虚拟账户)。生成还款指令会返回 repayment_real_amount、repayment_real_time 与 bank_type。
这些调用如何鉴权?
手机短信登录提交 login、pass、type,返回 authorization 会话令牌。后续调用把它放进 authorization 头,并带 timestamp、sign 以及 os、app_version 等设备头。成功时 responseCode=200。
KTP 界面背后有哪些身份数据?
基础档案返回 name、cardid、phone、birth_date、省市区地址链与 emergancy_name。KTP 照片 OCR 上传 id_card,并回显 name、cardid / id_card_num、full_address 供确认页使用。
与 UangMe - Pinjaman Dana Online 相似的应用
- AdaKami — AdaKami 是持 OJK 牌照的印尼 P2P 现金贷应用(PT Pembiayaan Digital Indonesia),期限 1–12 个月、按公布的每期 30 天分期,且不在放款时预先扣费。
- Kredit Pintar — Kredit Pintar 是 PT Kredit Pintar Indonesia 接受 OJK 监管的无抵押现金贷应用,官网上宣传最高 5,000 万印尼盾的在线贷款,期限选项为 2、3 和 12 个月。
- Easycash - Pinjaman Daring — Easycash 是 PT Indonesia Fintopia Technology 持 OJK 牌照的 LPBBTI 现金贷平台,提供无抵押在线贷款,申请分三步,官网写明 24 小时内放款。
- Kredivo - Paylater & Pinjaman — Kredivo 是印尼先买后付与即时授信额度,最高 5,000 万印尼盾,可 30 天一次结清,或分 3/6/12/18/24 期、无需首付,覆盖 4,000 多家线上线下商户。
- Tunaiku - Pinjaman Dana Online — Tunaiku 是 PT Bank Amar Indonesia Tbk 持 OJK 牌照的无抵押现金贷(KTA)应用,公布额度为 200 万至 3,000 万印尼盾,期限 6–30 个月。
- JULO — JULO 是 PT JULO Teknologi Finansial 接受 OJK 监管的数字信贷应用,同一额度(计算器范围 30 万–5,000 万印尼盾)可取现、充电子钱包或先买后付消费,分期最长 12 个月。
- Singa Fintech-Digital Loans — Singa Fintech 是 PT Abadi Sejahtera Finansindo 接受 OJK 监管的印尼现金贷应用,官网宣传无抵押在线贷款 100 万至 4,800 万印尼盾,期限 1–12 个月。
- Akulaku — Akulaku(PT Akulaku Silvrr Indonesia)把购物分期、现金贷(pinjaman tunai)和 PayLater 放在同一个印尼金融科技应用里。
相关主题
- UangMe API
- UangMe 贷款
- cash_loan_limit
- total_limit_amount
- loan_id
- pay_code
- KTP cardid
- 印尼现金贷数据
需要集成这个 App 的数据 API?
我们可为任意指定 App 交付定制集成——源码交付 USD 500 起,或托管 API 按调用计费。告诉我们您需要的数据即可。
- 每个项目均签 NDA 与 SOW
- 3–7 天交付
- 验收通过后才付款
- 仅在授权范围内作业