Banking API
Staff-side API for core banking: members, KYC, savings, loans, repayments and portfolio data.
https://app.zung.ai/connector/api/bankingAuthentication 5
View category →/me
Get signed-in staff user
Returns the staff user that owns the token, their institution, branch access and permissions.
/account-status
Get subscription status
Whether the institution's subscription is active, and which modules it includes.
/2fa/send
Send a 2FA code
Sends a one-time code to the staff user. Limited to 5 requests a minute.
/2fa/verify
Verify a 2FA code
Completes two-factor sign-in. Limited to 5 attempts a minute.
/logout
Revoke token
Signs the staff user out and revokes the bearer token.
Members 7
View category →/members
List members
Paginated list of members visible to the signed-in staff user (respects branch permissions).
/members/{id}
Get member profile
Full member profile with accounts, KYC, next of kin and documents.
/members
Create member
Registers an individual or business member at a branch.
/members/{id}
Update member
Updates a member. Takes the same fields as Create member.
/members/stats
Member statistics
Counts of members by status for the signed-in user's branches.
/members/form-options
Member form options
Branches, groups, loan officers, genders and marital statuses to build a member form.
/members/status
Change member status
Activates, deactivates or blacklists members in bulk.
KYC & Member Records 7
View category →/members/{id}/kyc
Upload KYC document
Attaches an identity document (national ID, passport, etc.) to a member.
/kyc/{kyc}/status
New Review KYC document
Approves or rejects a member's KYC document.
/members/{id}/next-of-kin
Add next of kin
Records a member's next of kin.
/members/{id}/work-details
Add employment details
Employer, income and work status, used in loan appraisal.
/members/{id}/bank-details
Add bank details
A member's external bank account for disbursements.
/members/{id}/login
Create member portal login
Gives a member a login for the mobile app and member portal.
/members/{id}/documents
Upload member document
Stores any supporting document against a member.
Savings 6
View category →/savings
List savings accounts
Paginated savings accounts with balances.
/savings/{id}
Get savings account
One savings account with its product, balance and recent transactions.
/savings/apply
Open savings account
Opens a savings account for a member.
/savings/{id}/deposit
Updated Record a deposit
Posts a deposit to a savings account. Send client_ref to make retries safe.
/savings/{id}/withdraw
Record a withdrawal
Posts a withdrawal. Product rules (minimum balance, notice) are enforced.
/savings/{id}/{action}
Approve, activate or close account
Moves a savings account through its lifecycle.
Loans 7
View category →/loans
List loans
Paginated loans with status, principal and outstanding balance.
/loans/{id}
Get loan
One loan with schedule, charges, guarantors and transactions.
/loans/apply
Create loan application
Starts a loan application for a member.
/loans/{id}/{action}
Approve, disburse or reject loan
Moves a loan through appraisal, approval and disbursement.
/loans/{id}/repayment
Updated Record a repayment
Posts a repayment and allocates it to penalties, fees, interest and principal per the product's rules.
/loans/{id}/pro-rata-dues
Pro-rata dues
Interest and fees due if the loan were settled on a given date.
/loans/{id}/ai-insight
New AI loan insight
An AI-written appraisal summary of the loan and member history for the credit committee.
Portfolio & Reports 5
View category →/overview/portfolio-at-risk
Portfolio at risk (PAR)
Outstanding balance in arrears bucketed by PAR 1, 30, 60 and 90. Cached for 10 minutes.
/overview/totals
Dashboard totals
Members, active loans, portfolio outstanding, savings and collections for a date range.
/overview/member-growth
Member growth
New members per month.
/overview/loans-chart
Disbursed vs collected
Monthly loans released against loans collected for a year.
/overview/pending-loans
Pending loans
Loans awaiting approval or disbursement.