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  CLEVA APP API INTEGRATION GUIDE
  ============================
  
  Unlock USD, Naira, Card and Stablecoin Data Through Authorized API Access
  
  --------------------
  INTRODUCTION
  --------------------
  
  Cleva App has become one of the most widely used diaspora banking
  platforms, serving over 700,000 users across the US, EU and African
  corridors including Nigeria, Ghana and Uganda. A single Cleva account
  combines a USD account funded by ACH and wire transfers, a Naira
  balance, a virtual USD card, and a USDT/USDC stablecoin wallet — all
  under one login.
  
  For payroll providers, accounting platforms, treasury dashboards and
  remittance analytics tools, this multi-rail data is extremely valuable.
  Through authorized interface integration and protocol analysis, this
  data can be accessed, normalized and synced into your own systems.
  This article explains the supported API features, the use cases they
  unlock, and the benefits of integrating with Cleva App through an
  authorized route.
  
  --------------------
  SUPPORTED API FEATURES
  --------------------
  
  • USD Account Access
  - Pull account identifiers, balances and per-credit
  entries from ACH and wire deposits
  
  • Naira Account Sync
  - Retrieve local NGN balances and payout records to
  Nigerian banks, including destination and status
  
  • Virtual USD Card Data
  - Access card balances, state and transaction line
  items for online and subscription spend
  
  • Stablecoin Wallet Integration (USDT/USDC)
  - Sync asset type, amount, on-chain receipt reference
  and credited timestamps
  
  • Cross-Border Transfer Tracking
  - Pull recipient, corridor, amount sent, applied rate
  and delivery status for remittance flows
  
  • Currency Conversion & Loyalty Data
  - Access conversion rates/fees between balances, plus
  Cleva Points accrual and redemption events
  
  • 2FA-Compatible Session Handling
  - Support for PIN-based login plus TOTP codes from
  Google Authenticator, Microsoft Authenticator or
  1Password
  
  ------------------------------
  USE CASES & APPLICATIONS
  ------------------------------
  
  [1] Freelancer Payment Reconciliation
  • Match Upwork-style USD payouts landing in Cleva accounts
  against client invoices
  • Automate reconciliation of cross-border freelance income
  • Track payment timing and source per client
  
  [2] Accounting & Bookkeeping Automation
  • Pull USD credits and virtual card spend as ledger lines
  • Eliminate manual statement uploads
  • Sync Naira and USD balances into existing accounting tools
  
  [3] Treasury & Crypto Inflow Monitoring
  • Track USDT/USDC inflows into the stablecoin wallet
  • Monitor conversion legs moving crypto into spendable USD
  • Maintain a single tagged ledger across all currencies
  
  [4] Remittance & Diaspora Analytics
  • Measure effective FX rates per corridor (Nigeria, Ghana,
  Uganda)
  • Analyze delivery time and transfer success rates
  • Build dashboards comparing remittance performance over time
  
  [5] Compliance-Ready Data Pipelines
  • Gate downstream actions on verified KYC account states
  (BVN, government ID, liveness selfie)
  • Build NDPA and CBN open-banking compliant data flows
  • Maintain consent-based, revocable access to account data
  
  ------------------------------
  BENEFITS & ADVANTAGES
  ------------------------------
  
  ✓ Single integration covers USD, Naira, card and stablecoin
  data — four rails, one ledger schema
  
  ✓ Authorized interface and protocol analysis route follows
  the same path the Cleva app itself uses
  
  ✓ 2FA-enabled accounts (TOTP) supported without breaking
  sync continuity
  
  ✓ Pre-KYC and verified account states handled cleanly,
  avoiding error-prone integrations
  
  ✓ Native statement export available as a reconciliation
  fallback or cross-check
  
  ✓ Built to align with CBN Open Banking Guidelines and the
  Nigeria Data Protection Act 2023
  
  ✓ Runnable source code delivered in Python and Node.js with
  automated tests against recorded responses
  
  ------------------------------
  SUBSCRIPTION PLANS
  ------------------------------
  
  Two flexible engagement options are available:
  
  • Source-Code Delivery — starting from $300, includes the
  runnable code, OpenAPI specification, automated tests and
  full documentation. Pay once delivered and verified.
  
  • Pay-Per-Call API Access — use as a hosted API with no
  upfront fee, billed per call.
  
  Typical turnaround is 1–2 weeks. The consenting account, sandbox
  access and compliance paperwork are arranged collaboratively during
  onboarding.
  
  ------------------------------
  CONCLUSION
  ------------------------------
  
  Cleva App's combination of USD accounts, Naira balances, virtual cards
  and stablecoin wallets makes it a uniquely valuable data source for
  fintech, accounting and remittance platforms. With an authorized
  integration approach — supporting 2FA, KYC states and multi-currency
  ledgers — teams can build reliable, compliant data pipelines around
  Cleva accounts.
  
  Whether your goal is freelancer payment reconciliation, treasury
  monitoring, or remittance analytics, a tailored Cleva App integration
  can deliver the structured data you need quickly and securely.
  
  ------------------------------
  GET STARTED
  ------------------------------
  
  Learn more and start your Cleva App integration:
  https://openbankingstudio.com/cleva-app.html
  
  ============================
  
  ------ị
  last updateTime: 2026-06-11 02:30:09b

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• 註冊時間2018-1-30 22:18
• 最後訪問2026-6-11 10:45
• 上次活動時間2026-6-11 10:45
• 上次發表時間2019-3-3 21:14
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