🔹 Store Members – Create individual institution members programmatically 🔹 Upload Member Lists – Bulk upload institution members via CSV/Excel files for processing 🔹 Request Loan Offers – Get loan offers with interest rates, fees, and repayment terms for members 🔹 Request Loans – Submit loan requests on behalf of institution members

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Why Use Direct Savings API?

🔹 Fast & Reliable – Optimized for speed and uptime. 🔹 Developer-Friendly – RESTful architecture with intuitive endpoints. 🔹 Secure – HMAC signature-based authentication for secure access.

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Authentication & Security

All endpoints require HMAC signature authentication via the Authorization header. The authentication uses HMAC (Hash-based Message Authentication Code) to sign requests. You must generate a signature using your secret key and include it in the Authorization header along with your public key in the format: public_key:signature.

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Authentication Process

  1. Generate HMAC Signature: Create an HMAC signature by creating an HMAC hash of the request body (JSON stringified) using your secret key
  2. Format Authorization Header: Combine your public key and signature in the format: public_key:signature
  3. Send Request: Include the formatted value in the Authorization header

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Example

Authorization: pub_abc123xyz:abc123def456ghi789...
Where:
  • pub_abc123xyz is your provided public key
  • abc123def456ghi789... is the HMAC signature generated using your secret key
Contact your account manager to obtain your public key and secret key for generating signatures.