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Ask HN: Is there any US bank with a sandbox or API?

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Re: Ask HN: Is there any US bank with a sandbox or API?

#41

Post by alistproducer2 »

xavi wrote: post #26
nicholasjarnold wrote: post #24

Earlier quoted context omitted.

This is great! I too am working behind the scenes (nothing on Github yet) on a set of scrapers that pull in data from various financial institutions (my bank, a credit union, a CC account, ect.) along with a 'manager' application that recieves results from these scrapers and displays the data to me. That's step 1. Next I'd like to fully automate the paying of my bills and setting up arbitrary actions based on certain…

You may want to check out https://github.com/bankbotsbank/bankbotsbank

I just noticed you're the creator of bankbotsbank. We essentially have the same idea. We should collaborate.

I'm currently using protractor (webdriver) for my crawler but I would open to switching to nightmare to be compatible with you as long as I am able to get that stack running on a pi.

Re: Ask HN: Is there any US bank with a sandbox or API?

#43

Post by nowarninglabel »

alistproducer2 wrote: post #22
sjtgraham wrote: post #11

I'm working on Teller ( https://teller.io ), which is a universal banking API. We don't support any US banks yet (but we certainly plan to), but we will be publishing a sandbox API in the near future along with the GA release of our production APIs. In the US I recommend you check out Plaid ( https://plaid.com ), although I believe they offer read only APIs. There is also the Open Bank Project ( https://openbankproje…

Thanks for sharing the open bank project. I'd never heard of it. I'm actually working on something similar to you. It's called POSADA (personal open source automated digital assistant). It's a open source digital assistant. The primary use cases are financial (paying bills, transferring money, etc). It will open source and user hosted. People host their assistant on pre-loaded, plug and play raspberry pi 3s. Hopefull…

If you get around to the connecting to charity part, you may find our (Kiva's) API interesting, https://build.kiva.org/

Re: Ask HN: Is there any US bank with a sandbox or API?

#44

Post by oellegaard »

sjtgraham wrote: post #11

I'm working on Teller ( https://teller.io ), which is a universal banking API. We don't support any US banks yet (but we certainly plan to), but we will be publishing a sandbox API in the near future along with the GA release of our production APIs. In the US I recommend you check out Plaid ( https://plaid.com ), although I believe they offer read only APIs. There is also the Open Bank Project ( https://openbankproje…

How about Denmark? :-)

Re: Ask HN: Is there any US bank with a sandbox or API?

#45

Post by alistproducer2 »

overcast wrote: post #40
djsumdog wrote: post #35

Earlier quoted context omitted.

Which is what mint.com does right? That service was terrifying; storing all those usernames and passwords. I'm very surprise there haven't been more security break-ins with that site.

David K Michaels, VP Engineering, Mint.com 27.2k Views For passwords to Mint itself, we compute a secure hash of the user's chosen password and store only the hash (the hash is also salted - see http://en.wikipedia.org/wiki/Sal.. . ). Hashing is a one-way function and cannot be reversed. It is not possible to ever see or recover the password itself. When the user tries to login, we compute the hash of the password th…

If anyone is curious exactly how the system he describes works, here's a list of Mint's patent's.

http://www.justanswer.com/intellectual-property-law/8u21f-pa...

Re: Ask HN: Is there any US bank with a sandbox or API?

#46

Post by alistproducer2 »

Cshelton wrote: post #36
djsumdog wrote: post #35

Earlier quoted context omitted.

Which is what mint.com does right? That service was terrifying; storing all those usernames and passwords. I'm very surprise there haven't been more security break-ins with that site.

To my knowledge, that is what Mint is doing. I'm curious how they handle two factor authentication?

In Project Posada, my open source Mint alternative project, we handle it with an app on the user's phone that receives texts and, using regex, grabs the code of relevant sms messages then pushes the code back to the scraper, which then inputs the code and continues on.

Re: Ask HN: Is there any US bank with a sandbox or API?

#48

Post by mildbow »

KirinDave wrote: post #39
smitherfield wrote: post #7

Capital One provides this toy API: http://api.reimaginebanking.com If you want to create an app or startup that does anything involving banking, look elsewhere. The chances you will get approval from banks and regulators are zero. To have a halfway decent shot, you would need years, significant industry connections, expensive lawyers on retainer in New York and Washington, and the ability to prove you have cash on ha…

> The chances you will get approval from banks and regulators are zero. To have a halfway decent shot, you would need years, significant industry connections, expensive lawyers on retainer in New York and Washington, and the ability to prove you have cash on hand in the high 7 figures. Full disclosure, I work for Capital One now. So... C1 has stated publicly it's interested in this space and some of its prominent emp…

heartily agree with "give most of your profits to"

Even though Plaid comes up a lot in these conversation, I haven't found their pricing any better or startup friendly than any other provider (fincity, yodlee etc).

Better marketing yes. Better api? Meh.

Anyway, I see the current set of financial data aggregators being fine for market validation for some type of applications, but they are too expensive to allow for wide-spread innovation.

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