Money Lover Data API: wallets, budgets and linked banks

Finsify · Banking

Money Lover - Money Manager is Finsify's personal-finance app for tracking cash, bank and credit-card spending across multiple wallets. Users can record income and expenses, organize transactions with categories and labels, set repeating budgets, track savings goals, scan receipts and share a family wallet. Linked Wallets connect bank accounts through Finsify, while Google Sheets export and AI-assisted transaction entry support day-to-day bookkeeping. The app serves individual budgeters, households and small teams in Vietnam, the United States, India, Indonesia, Thailand and the Philippines who want a combined cash-and-card ledger rather than a single bank's account view.

Wallet ownership and category-linked spending form a connected personal-finance ledger: account_id links booked rows to a wallet, while balance, account_type, is_shared and owner_id describe its balance and access context. Transaction records add display_date, amount, note, cat_id and original_currency. Budget envelopes connect listWalletUUID and listLabelUUID to startDate, endDate and totalSpent, allowing a household budgeting dashboard to compare spending with each envelope's cap. Savings records pair goal_amount with transaction_amount and end_date for progress reporting.

Linked-bank snapshots carry accountId, balance and currency, with provider countryCode supporting market filtering. Receipt suggestions contribute merchant, displayDate, categoryId and confidence; text-based entry suggestions use walletID, labelName and fn to place a proposed expense in the ledger. With user-authorized account access, bookkeeping tools can reconcile local wallets against linked-bank balances, family-ledger integrations can preserve ownership and permissions, and receipt inboxes can prepare entries for confirmation. openData Studio turns these wallet, budget and transaction structures into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Pull synced wallets

POST /v1/household-books/wallets/query openfinance

Pages the signed-in user's cash, bank and credit wallets after last_update, supplying names, balances and sharing flags for the wallet list.

Auth: Bearer access token for the signed-in account. Wallet synchronization also includes dataformat, platform, appversion and apiversion headers.

uuid
name
balance
account_type
icon
archived
is_shared
owner_id
metadata
exclude_total
account_id
last_update

POST /v1/household-books/wallets/query HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "last_update": 0,
  "account_id": "example_wallet_01",
  "skip": 0,
  "limit": 50,
  "av": 4,
  "pl": 1
}

{
  "status": true,
  "data": [
    {
      "uuid": "example_wallet_01",
      "name": "Cash",
      "balance": 1250000,
      "account_type": 0,
      "icon": "icon_cash",
      "archived": 0,
      "is_shared": 0,
      "owner_id": "example_owner_01",
      "metadata": "",
      "exclude_total": 0
    }
  ]
}

Pull synced transactions

POST /v1/household-books/entries/query openfinance

Pages a wallet's ledger after last_update using skip and limit, including amount, display_date, note, category and original_currency.

Auth: Bearer access token for the signed-in account.

uuid
account_id
amount
display_date
note
cat_id
original_currency
exclude_report
address
latitude
longtitude
flag
remind_date
user_sync_id
last_update
skip
limit

POST /v1/household-books/entries/query HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "last_update": 0,
  "account_id": "example_wallet_01",
  "skip": 0,
  "limit": 100,
  "av": 4,
  "pl": 1
}

{
  "status": true,
  "data": [
    {
      "uuid": "example_entry_01",
      "account_id": "example_wallet_01",
      "amount": 45000,
      "display_date": 1737475200000,
      "note": "Lunch",
      "cat_id": 12,
      "original_currency": "VND",
      "exclude_report": 0,
      "address": "District 1, HCMC",
      "latitude": 10.7769,
      "longtitude": 106.7009,
      "flag": 1,
      "remind_date": 0,
      "user_sync_id": "example_owner_01"
    }
  ]
}

Push local transactions

POST /v1/household-books/entries/submit openfinance

Submits newly created or edited ledger rows so the same account's other devices receive matching amounts, dates and categories.

Auth: Bearer access token for the signed-in account.

account_id
uuid
amount
display_date
note
cat_id
original_currency
exclude_report
status
message

POST /v1/household-books/entries/submit HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "account_id": "example_wallet_01",
  "transactions": [
    {
      "uuid": "example_entry_01",
      "amount": 45000,
      "display_date": 1737475200000,
      "note": "Lunch",
      "cat_id": 12,
      "original_currency": "VND",
      "exclude_report": 0
    }
  ]
}

{
  "status": true,
  "message": "ok",
  "pushed": 1
}

Pull synced budgets

POST /v1/spending-envelopes/query opendata

Retrieves budget envelopes with wallet and label UUID lists, period dates and totalSpent so remaining spending allowance can be calculated.

Auth: Bearer access token for the signed-in account.

uuid
name
amount
startDate
endDate
curId
isRepeat
budgetType
listWalletUUID
listLabelUUID
totalSpent

POST /v1/spending-envelopes/query HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "last_update": 0,
  "skip": 0,
  "limit": 50
}

{
  "status": true,
  "data": [
    {
      "uuid": "example_budget_01",
      "name": "Food",
      "amount": 3000000,
      "startDate": "2026-10-01",
      "endDate": "2026-10-31",
      "curId": 1,
      "isRepeat": true,
      "budgetType": 1,
      "listWalletUUID": ["example_wallet_01"],
      "listLabelUUID": ["example_label_food"],
      "totalSpent": 1280000
    }
  ]
}

Create global budget

POST /v1/spending-envelopes/create opendata

Creates a budget envelope spanning selected wallets and labels, with a spending cap, period dates and optional repetition.

Auth: Bearer access token for the signed-in account.

status
uuid
name
amount
startDate
endDate
curId
isRepeat
budgetType
listWalletUUID
listLabelUUID
totalSpent

POST /v1/spending-envelopes/create HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "name": "Food",
  "amount": 3000000,
  "startDate": "2026-10-01",
  "endDate": "2026-10-31",
  "curId": 1,
  "isRepeat": true,
  "budgetType": 1,
  "listWalletUUID": ["example_wallet_01"],
  "listLabelUUID": ["example_label_food"]
}

{
  "status": 200,
  "data": {
    "uuid": "example_budget_01",
    "name": "Food",
    "amount": 3000000,
    "startDate": "2026-10-01",
    "endDate": "2026-10-31",
    "curId": 1,
    "isRepeat": true,
    "budgetType": 1,
    "listWalletUUID": ["example_wallet_01"],
    "listLabelUUID": ["example_label_food"],
    "totalSpent": 0
  }
}

Pull synced categories

POST /v1/household-books/category-tree/query opendata

Synchronizes per-wallet income and expense categories, including parent_id hierarchies, icons and meta_data flags.

Auth: Bearer access token for the signed-in account.

uuid
cat_id
cat_name
cat_type
cat_img
parent_id
account_id
meta_data
flag
version

POST /v1/household-books/category-tree/query HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "last_update": 0,
  "account_id": "example_wallet_01"
}

{
  "status": true,
  "data": [
    {
      "uuid": "example_category_food",
      "cat_id": 12,
      "cat_name": "Food",
      "cat_type": 2,
      "cat_img": "icon_food",
      "parent_id": 0,
      "account_id": "example_wallet_01",
      "meta_data": "",
      "flag": 1,
      "version": 3
    }
  ]
}

Pull synced labels

POST /v1/household-books/label-library/query opendata

Retrieves the global label library used to organize and map categories across wallets.

Auth: Bearer access token for the signed-in account.

status
timestamp
uuid
name
type
img
parent_id
meta_data
version
account_id

POST /v1/household-books/label-library/query HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "last_update": 0
}

{
  "status": true,
  "timestamp": 1737500000000,
  "data": [
    {
      "uuid": "example_label_food",
      "name": "Food",
      "type": 2,
      "img": "icon_food",
      "parent_id": 0,
      "meta_data": "",
      "version": 1,
      "account_id": 0
    }
  ]
}

Pull savings campaigns

POST /v1/savings-targets/query opendata

Synchronizes savings and event campaigns with goal_amount, transaction_amount and end_date for progress tracking.

Auth: Bearer access token for the signed-in account.

uuid
name
icon
type
start_amount
goal_amount
status
transaction_amount
account_id
account_name
cur_code
end_date

POST /v1/savings-targets/query HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "last_update": 0
}

{
  "status": true,
  "data": [
    {
      "uuid": "example_goal_01",
      "name": "Emergency fund",
      "icon": "icon_saving",
      "type": 1,
      "start_amount": 0,
      "goal_amount": 20000000,
      "status": 1,
      "transaction_amount": 3500000,
      "account_id": "example_wallet_01",
      "account_name": "Cash",
      "cur_code": "VND",
      "end_date": "2026-12-31"
    }
  ]
}

List linked-wallet bank providers

GET /v1/bank-connections/provider-catalog openbanking

Lists bank providers available to Linked Wallets, including names, icons and countryCode for market filtering.

Auth: Bearer access token for the signed-in account.

status
id
name
icon
countryCode

GET /v1/bank-connections/provider-catalog HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "status": 200,
  "data": [
    {
      "id": "vcb",
      "name": "Vietcombank",
      "icon": "/illustrations/banks/example-provider.svg",
      "countryCode": "VN"
    }
  ]
}

Create linked-wallet connect URL
POST /v1/bank-connections/sessions/create openbanking
Starts a bank-connection session for the selected provider and returns linkUrl for user authorization before retrieving a wallet snapshot.
Auth: Bearer access token for the signed-in account.
- status
- linkUrl
- providerId
- callbackUrl
```
POST /v1/bank-connections/sessions/create HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "providerId": "vcb",
  "callbackUrl": "<callback_url>"
}
```
```
{
  "status": 200,
  "data": {
    "linkUrl": "<bank_connect_url>"
  }
}
```

Read linked-wallet info

POST /v1/bank-connections/balance-snapshot openbanking

Retrieves a linked bank account's balance, currency and account metadata after user authorization to initialize a wallet.

Auth: Bearer access token for the signed-in account.

status
id
name
accountId
balance
currency
icon
metadata

POST /v1/bank-connections/balance-snapshot HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "accountId": "example_bank_account_01"
}

{
  "status": 200,
  "data": {
    "id": "example_linked_wallet_01",
    "name": "Vietcombank *1234",
    "accountId": "example_bank_account_01",
    "balance": 15230000,
    "currency": "VND",
    "icon": "vcb",
    "metadata": "{\"provider\":\"vcb\"}"
  }
}

AI parse transaction text

POST /v1/entry-assistance/text/prepare opendata

Converts free-text spending or a notification snippet into a suggested ledger entry with wallet, label, amount and date for user confirmation.

Auth: Bearer access token for the signed-in account.

status
walletID
walletName
labelID
labelName
amount
date
description
fn
tokenOut
tokenIn
totalTokens
aiModel
requestId

POST /v1/entry-assistance/text/prepare HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "text": "lunch 45k at Circle K yesterday",
  "walletID": "example_wallet_01"
}

{
  "status": 200,
  "data": {
    "transactions": [
      {
        "walletID": "example_wallet_01",
        "walletName": "Cash",
        "labelID": "example_label_food",
        "labelName": "Food",
        "amount": 45000,
        "date": "2026-10-22",
        "description": "Circle K lunch",
        "fn": "expense"
      }
    ],
    "metadata": {
      "tokenOut": 80,
      "tokenIn": 24,
      "totalTokens": 104,
      "aiModel": "<illustrative_model>",
      "requestId": "example_request_01"
    }
  }
}

Share wallet with family member

POST /v1/household-books/members/invite opendata

Invites another account to a family wallet with a selected permission and returns sharing flags, ownership and pending invitations.

Auth: Bearer access token for the signed-in account.

account_id
email
permission
is_shared
owner_id
pending
status

POST /v1/household-books/members/invite HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "account_id": "example_wallet_01",
  "email": "<invitee_email>",
  "permission": "edit"
}

{
  "status": true,
  "data": {
    "account_id": "example_wallet_01",
    "is_shared": 1,
    "owner_id": "example_owner_01",
    "pending": [
      {
        "email": "<invitee_email>",
        "permission": "edit"
      }
    ]
  }
}

Upload receipt for OCR suggest

POST /v1/entry-assistance/receipts/prepare opendata

Uses receipt text to suggest amount, merchant, displayDate and categoryId, together with confidence and currency, to prefill a ledger entry.

Auth: Bearer access token for the signed-in account. Receipt requests also include dataformat=json, platform, appversion, apiversion and client headers.

ocrText
walletCurrency
inputSource
status
generationID
amount
categoryId
displayDate
note
merchant
originalCurrency
confidence
address
isTransfer

POST /v1/entry-assistance/receipts/prepare HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "ocrText": "CIRCLE K\n22/10/2026\nTOTAL 45,000 VND",
  "walletCurrency": "VND",
  "inputSource": "camera",
  "categories": [
    {"id": "example_label_food", "name": "Food"}
  ]
}

{
  "status": true,
  "generationID": "example_receipt_01",
  "data": {
    "amount": 45000,
    "categoryId": "example_label_food",
    "displayDate": "2026-10-22",
    "note": "Circle K",
    "merchant": "CIRCLE K",
    "originalCurrency": "VND",
    "confidence": 0.92,
    "address": "",
    "isTransfer": false
  }
}

Where teams use this data

Household envelope dashboard
A personal-finance dashboard combines budget envelopes (amount, startDate, endDate, listWalletUUID, totalSpent) with ledger rows (display_date, amount, cat_id, original_currency) to chart remaining spending allowance per label.
Linked-bank cash reconciliation
A bookkeeping bot lists bank providers (id, countryCode), stores authorized linked-wallet snapshots (accountId, balance, currency), and compares those balances with local cash and bank wallets.
Shared family ledger sync
A household wiki uses family-wallet invitations (email, permission, owner_id, is_shared) and paginated ledger entries for the selected account_id so both phones show matching notes and amounts.
Receipt inbox to ledger
An email-receipt worker supplies ocrText and prepares an entry from the suggested merchant, amount, displayDate and categoryId; notification text can instead produce walletID, labelName and fn for user confirmation.

Frequently asked questions

What wallet and ledger fields are represented in the Money Lover data API?

Wallet records include uuid, name, balance, account_type, is_shared and owner_id. Ledger entries include amount, display_date, note, cat_id, original_currency and exclude_report, with optional address and location fields. The examples use illustrative paths and mock values, not live service addresses.

How do Linked Wallets connect bank balances to a personal ledger?

The provider catalog includes id, name and countryCode. A user-authorized connection supplies a linkUrl and a linked-wallet snapshot with accountId, balance, currency and metadata. Bookkeeping integrations can compare that snapshot with cash and bank wallets belonging to the same user.

Which fields support budgets, savings goals and receipt entry?

Budgets use listWalletUUID, listLabelUUID, amount, startDate, endDate and totalSpent. Savings goals use goal_amount, transaction_amount and end_date. Receipt suggestions include merchant, amount, displayDate, categoryId and confidence, while text-entry suggestions include walletID, labelName, date and fn.

How are account data and shared-wallet permissions protected?

The illustrated requests retain Bearer-token authentication for the signed-in account. Wallet records distinguish owner_id and is_shared, and invitations include email, permission and pending status. Access to personal balances, ledger entries and bank connections requires the account holder's authorization; the examples contain no usable credentials.

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More Banking apps

Topics

Money Lover data API
Money Lover wallets
Finsify linked wallet
expense tracker transactions
Money Lover budgets
Money Lover savings goals
receipt OCR merchant fields
shared family ledger
linked bank balance reconciliation

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Money Lover Data API: wallets, budgets and linked banks

Screenshots

API surface

Pull synced wallets

Pull synced transactions

Push local transactions

Pull synced budgets

Create global budget

Pull synced categories

Pull synced labels

Pull savings campaigns

List linked-wallet bank providers

Create linked-wallet connect URL

Read linked-wallet info

AI parse transaction text

Share wallet with family member

Upload receipt for OCR suggest

Data categories

Where teams use this data

Household envelope dashboard

Linked-bank cash reconciliation

Shared family ledger sync

Receipt inbox to ledger

Frequently asked questions

Apps similar to Money Lover - Money Manager

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Ajaib: Stock, Crypto, US Stock

Albert: Budgeting and Banking

Angel One: Stocks, Mutual Fund

Topics

Need this app's data API integrated?

Money Lover Data API: wallets, budgets and linked banks

Screenshots

API surface

Pull synced wallets

Pull synced transactions

Push local transactions

Pull synced budgets

Create global budget

Pull synced categories

Pull synced labels

Pull savings campaigns

List linked-wallet bank providers

Create linked-wallet connect URL

Read linked-wallet info

AI parse transaction text

Share wallet with family member

Upload receipt for OCR suggest

Data categories

Where teams use this data

Household envelope dashboard

Linked-bank cash reconciliation

Shared family ledger sync

Receipt inbox to ledger

Frequently asked questions

Related apps

Apps similar to Money Lover - Money Manager

More Banking apps

5paisa: Demat, Stocks & IPO

Ajaib: Stock, Crypto, US Stock

Albert: Budgeting and Banking

Angel One: Stocks, Mutual Fund

Topics

Need this app's data API integrated?