Jar (Digital Gullak) — Digital Gold and Auto-Savings API Integration

Providing compliant protocol analysis and runnable APIs for Jar's digital gold, recurring savings, UPI payments, and loan/insurance features

OpenData · OpenFinance · Protocol Analysis
Starting at $300 · Pay after sample delivery
Technical delivery for product, engineering and fintech teams

Integrate Jar's Spare-Change Savings and Digital Gold capabilities into your system

We provide complete delivery of Jar App authorization flows, OpenFinance data model mapping, transaction and balance APIs, automation savings/repurchase scripts, and reconciliation export capabilities.

Includes compliance recommendations & data minimization strategy
Real-time balance and holdings — Access digital gold (weight/value), available balance, SIP status and transaction history with user authorization (paginated/time-range).
Automated Savings (Round-Up / Recurring) — Implement round-up micro-savings and daily/weekly/monthly auto-debit logic, with server-side scheduling and simulation.
Buy/Sell & Fee Calculations — Provide order placement API pseudo-code, fees/GST calculation, repurchase/redemption flows with order status callbacks.
Loans & Insurance integration — Integrate loan products and insurance gateways (compliance, rate/APR calibration) with backend risk controls.
Get a Quote / Submit Request View Deliverables

Deliverables & Technical Roadmap

Technical Deliverables

  • Protocol analysis report (flows, endpoints, authentication)
  • OpenAPI/Swagger complete interface specification
  • Runnable service starter code (REST + Webhook) with deployment scripts
  • Automated data extraction scripts (reconciliation, reports export: CSV/Excel/PDF)
  • Test plan, example Postman collection and CI integration guidance

Compliance & Operations

  • Privacy compliance guidance (data minimization, deletion policy, user consent records)
  • KYC/AML integration guidance and NBFC interface onboarding (where applicable)
  • Security recommendations: key management, signatures, rate limiting and audit logs

Example: Buy Digital Gold (Pseudo-code)

POST /api/v1/jar/order/buy
Content-Type: application/json
Authorization: Bearer <USER_ACCESS_TOKEN>

{
  'user_id': 'user_12345',
  'amount_in_inr': 100.00,
  'payment_method': 'UPI' ,
  'round_up_enabled': false
}

Response 202 Accepted
{
  'order_id': 'ORD-20251102-0001',
  'status': 'PENDING',
  'amount_in_inr': 100.00,
  'gold_grams': 0.0162,
  'fees': { 'gst_percent':3, 'spread_percent':2.5 }
}

// Webhook: order status update
POST /webhook/jar/orders
{ 'order_id':'ORD-...','status':'COMPLETED','settled_at':'2025-11-02T10:30:00Z' }

API Integration Guide (Quick Start)

  1. Provide the target App name (already provided: Jar) and concrete needs (e.g., buy/sell, SIP, reconciliation).
  2. We perform protocol and authorization flow analysis (2–4 business days), producing a draft interface plan.
  3. Upon agreement, deliver runnable microservice samples and test cases (3–10 business days).
  4. Delivery: OpenAPI docs, sample code, reconciliation scripts, and compliance guidance. Optional deployment support and operations delivery.

Note: All work is based on client authorization, public APIs, or licensed partnerships. For capabilities requiring third-party approvals or NBFC authorization, delivery time may extend.

Why Choose Us

  • Extensive experience delivering mobile fintech and payment integrations
  • OpenFinance / OpenData data modeling and mapping expertise
  • Source code and documentation delivery with compliance guidance
  • Transparent pricing and rapid sample delivery (starting at $300)

Our Studio

We are a technology studio focused on mobile app protocol analysis and authorized API integrations. Our team comes from fintech, payments and cloud-native backgrounds, delivering compliant, scalable and runnable API implementations.

  • Supports Android / iOS protocol analysis, SDK and backend samples
  • Compliance-first: KYC, privacy, data minimization policies
  • OpenAPI, Postman collections and CI testing scripts

Contact

To request a quote, submit App name and integration needs (e.g., buy/sell, reconciliation), visit our contact page:

View Contact / Submit Requirements

Starting price $300, sample-first payment option available.

📱 Jar Official App Full Introduction (Original Content, Collapsible)

Jar — Digital Gold Savings App

Jar is dedicated to enabling everyone to invest in digital gold. Users can start saving from ₹10 daily/weekly/monthly, purchase 24K digital gold, and view real-time gold prices. Features include Round-Up savings and access to loans, insurance and jewellery shopping services.

  • Digital Gold Savings: daily/weekly/monthly auto-purchase with round-up support.
  • Real-time gold price tools: updates every minute showing price per gram and 24K gold.
  • Services: personal loans, health insurance, jewellery purchases (VIBA by Jar).
  • Payments: supports UPI quick transfers and scan-to-pay.
  • Fees: digital gold transactions incur GST (3%), and a spread of 2–3% on buy/sell.
  • Loan examples: APR up to 30%, tenure 3–60 months; example calculations are provided in the original text.
  • Partner organizations: Digital Gold India Pvt Ltd (Safegold) and NBFC partners.
  • Official support & contact: Official site https://www.myjar.app/ with office address, WhatsApp, and email provided in the original text.

(The above content is a translated整理 of the original Jar app description for technical evaluation and protocol analysis.)