Dave ExtraCash、Spending 与 Flex 接口

Dave Inc. · 信贷

Dave: Credit, Cash & Money App 是 Dave Inc. 面向美国消费者的金融客户端，提供按即将到账工资支取的 ExtraCash 垫款、带借记卡的 Dave Spending 支票账户、Goals 储蓄信封、Flex 消费额度和 Dave Rent。用户在 Android 上登录，连接外部银行或工资，把 ExtraCash 打进 Spending 或外部借记卡，把钱转入 Goals，并可在租金到期窗口拆分房租。应用面向发薪日到发薪日、否则只能用发薪日贷款或透支的美国用户，与 Earnin、Brigit、MoneyLion、Albert、Possible Finance 争夺同一现金垫款与新型银行市场。Dave Inc. 是美国上市金融科技公司（纳斯达克：DAVE）；存款放在 Coastal Community Bank 等合作银行，ExtraCash 是压在 Spending 账户之上的主打产品。

ExtraCash 的 overdraftApprovals 按关联 bankAccountId 盖上 maxApprovedAmount，同一张审批卡还带 approvedRechargeAmount 与可选的 nextOverdraftOfferAmount。条款询价补上 serviceFee、settleableAmount 与 settlementDate，放款后返回 disbursementId；费用带落在 OVERDRAFT_FEE / EXPRESS_FEE 的 feeAmount 上。

Dave Spending 账户给出 currentBalance、accountNumber 与 routingNumber，再按 amount 与 settledAt 分页 settledTransactions。Goals 信封对比每个目标的 currentBalance 与 targetAmount。Flex 额度报告 spendingPower、totalOwed 与 principalOwed；工资快照带 avgPaycheckAmount 与 nextPayrollDates，外部银行则给出 Plaid 的 available / current。核额回放、流水对账与 Flex 监控都吃这些对象；openData Studio 把它们变成可调用的开放数据。

应用截图

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构，为示意说明，并非实际抓包。

刷新会话访问令牌
POST /v1/session/refresh osint
用已存的 refreshToken 换取短期 accessToken，后续每次调用都以 Bearer 携带。
认证方式：尚无 Bearer：请求体携带长期 refreshToken，响应返回短期 accessToken，后续调用以 Authorization: Bearer 携带。
- refreshToken
- accessToken
```
POST /v1/session/refresh HTTP/1.1
Content-Type: application/json

{
  "refreshToken": "<refreshToken>"
}
```
```
{
  "accessToken": "<accessToken>"
}
```

读取 ExtraCash 审批额度

POST /v1/extracash/approvals/lookup openfinance

加载已登录会员的 ExtraCash 审批：maxApprovedAmount、approvalType、bankAccountId 以及可选的升级额度（nextOverdraftOfferAmount）。

认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。

overdraftApprovals
approvalId
approvalUlid
approved
approvalType
maxApprovedAmount
initialApprovedAmount
totalApprovedAmount
approvedRechargeAmount
approvedAmounts
bankAccountId
expirationDate
isSplitDraw
quality
primaryRejectionReason
nextOverdraftOfferAmount
previousOverdraftOfferAmount

POST /v1/extracash/approvals/lookup HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{}

{
  "overdraftApprovals": [
    {
      "approvalId": "apr_4412",
      "approvalUlid": "01J8APPROVALULID",
      "approved": true,
      "approvalType": "EXTRA_CASH",
      "maxApprovedAmount": 25000,
      "initialApprovedAmount": 10000,
      "totalApprovedAmount": 25000,
      "approvedRechargeAmount": 5000,
      "approvedAmounts": [
        10000,
        15000,
        25000
      ],
      "bankAccountId": "ba_88c1",
      "expirationDate": "2026-10-31",
      "isSplitDraw": false,
      "quality": "STANDARD",
      "primaryRejectionReason": null,
      "upgrade": {
        "nextOverdraftOfferAmount": 30000,
        "previousOverdraftOfferAmount": 25000,
        "version": 3
      }
    }
  ]
}

询价 ExtraCash 条款

POST /v1/extracash/terms/quote openfinance

在确认前为一笔 ExtraCash 支取定价：requestedAmount、serviceFee、settleableAmount、settlementDate 以及所选 disbursementMethod（lastFour）。

认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。

termsId
requestedAmount
overdraftAmount
serviceFee
settleableAmount
settlementDate
settlementStrategy
earlyPayday
disbursementMethod
universalId
displayName
lastFour
expressFee
feeType

POST /v1/extracash/terms/quote HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "requestedAmount": 15000,
  "disbursementMethod": {
    "universalId": "pm_dave_1"
  },
  "expressDelivery": false
}

{
  "termsId": "terms_77a1",
  "requestedAmount": 15000,
  "overdraftAmount": 15000,
  "serviceFee": 395,
  "settleableAmount": 15395,
  "settlementDate": "2026-10-24",
  "settlementStrategy": "PAYDAY",
  "earlyPayday": false,
  "disbursementMethod": {
    "universalId": "pm_dave_1",
    "displayName": "Dave Spending",
    "lastFour": "4412",
    "type": "DAVE",
    "isDefault": true,
    "isValid": true
  },
  "expressFee": {
    "type": "EXPRESS",
    "amount": 299,
    "percent": 0,
    "feeType": "FLAT"
  }
}

发起 ExtraCash 放款
POST /v1/extracash/disbursements openfinance
会员确认报价条款后记账 ExtraCash 垫款，返回垫款 id 与 disbursementId。
认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。
- id
- disbursementId
```
POST /v1/extracash/disbursements HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "termsId": "terms_77a1"
}
```
```
{
  "id": "od_19f2",
  "disbursementId": "disb_55c0"
}
```

列出 ExtraCash 交易流水

POST /v1/extracash/activity/list openbanking

列出会员 ExtraCash 账户的流水行（amount、date、description、type），涵盖放款与结算。

认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。

overdraftAccount
id
transactionActivity
amount
date
description
type

POST /v1/extracash/activity/list HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{}

{
  "overdraftAccount": {
    "id": "odacct_1",
    "transactionActivity": [
      {
        "amount": 15000,
        "date": "2026-10-17",
        "description": "ExtraCash",
        "type": "DISBURSEMENT"
      },
      {
        "amount": -15395,
        "date": "2026-10-24",
        "description": "ExtraCash settlement",
        "type": "SETTLEMENT"
      }
    ]
  }
}

读取 ExtraCash 费用表

POST /v1/extracash/fees/lookup openfinance

读取会员的 ExtraCash 费用表：feeStructure 与 feeVersion，以及按通道的 OVERDRAFT_FEE、SERVICE_FEE、EXPRESS_FEE、TRANSFER_FEE 区间（minAmount、maxAmount、feeAmount）。

认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。

overdraftFees
feeStructure
feeVersion
startFeeVersion
OVERDRAFT_FEE
SERVICE_FEE
EXPRESS_FEE
TRANSFER_FEE
minAmount
maxAmount
feeAmount
amountType

POST /v1/extracash/fees/lookup HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{}

{
  "overdraftFees": {
    "feeStructure": "TIERED",
    "feeVersion": 12,
    "startFeeVersion": 10,
    "fees": {
      "DAVE": {
        "OVERDRAFT_FEE": {
          "minAmount": 0,
          "maxAmount": 25000,
          "feeAmount": 395,
          "amountType": "FLAT"
        },
        "SERVICE_FEE": {
          "minAmount": 0,
          "maxAmount": 25000,
          "feeAmount": 0,
          "amountType": "FLAT"
        },
        "EXPRESS_FEE": {
          "minAmount": 0,
          "maxAmount": 25000,
          "feeAmount": 299,
          "amountType": "FLAT"
        },
        "TRANSFER_FEE": {
          "minAmount": 0,
          "maxAmount": 25000,
          "feeAmount": 0,
          "amountType": "FLAT"
        }
      }
    }
  }
}

读取 Dave Spending 账户
POST /v1/spending/account/lookup openbanking
返回 Dave Spending 支票账户：currentBalance、accountNumber、routingNumber、status 与 sponsorBank。
认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。
- spendAccount
- id
- status
- accountNumber
- routingNumber
- productCategory
- currentBalance
- platform
- sponsorBank
```
POST /v1/spending/account/lookup HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{}
```
```
{
  "spendAccount": {
    "id": "spend_4412",
    "status": "ACTIVE",
    "accountNumber": "000123456789",
    "routingNumber": "000111222",
    "productCategory": "CHECKING",
    "currentBalance": 18452,
    "platform": "ANDROID",
    "sponsorBank": "COASTAL"
  }
}
```

分页已结算 Spending 流水

POST /v1/spending/transactions/settled/list openbanking

分页 Spending 账户的已结算交易：pageInfo 以及含 amount、displayName、transactedAt、settledAt 的 nodes。

认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。

settledTransactions
pageInfo
pageSize
nextPage
hasNextPage
nodes
id
displayName
amount
transactedAt
transactionType
statementSummaryType
settledAt
source

POST /v1/spending/transactions/settled/list HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "first": 25,
  "after": null
}

{
  "settledTransactions": {
    "pageInfo": {
      "pageSize": 25,
      "nextPage": "cursor_2",
      "hasNextPage": true
    },
    "nodes": [
      {
        "id": "txn_9001",
        "displayName": "Payroll",
        "amount": 84200,
        "transactedAt": "2026-10-16T14:02:11Z",
        "transactionType": "ACH_CREDIT",
        "statementSummaryType": "DEPOSIT",
        "settledAt": "2026-10-16T18:00:00Z",
        "source": "ACH"
      }
    ]
  }
}

列出 Spending 借记卡

POST /v1/spending/cards/list openbanking

列出 Spending 账户的借记卡：lastFour、bin、isVirtual、status 与 shippingStatus。

认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。

cards
id
bankAccountId
bin
lastFour
status
isVirtual
isPinLocked
isDisabled
isExpiring
estimatedArrivalOn
shippingStatus
cardProducts

POST /v1/spending/cards/list HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{}

{
  "id": "spend_4412",
  "cards": [
    {
      "id": "card_12ab",
      "bankAccountId": "spend_4412",
      "bin": "412345",
      "lastFour": "4412",
      "status": "ACTIVE",
      "isVirtual": false,
      "isPinLocked": false,
      "isDisabled": false,
      "isExpiring": false,
      "estimatedArrivalOn": "2026-10-22",
      "shippingStatus": {
        "status": "SHIPPED",
        "shippedDate": "2026-10-14",
        "isReturnedToSender": false
      }
    }
  ],
  "cardProducts": [
    "PHYSICAL",
    "VIRTUAL"
  ]
}

读取 Goals 账户总览

POST /v1/goals/overview openbanking

加载 Goals 总览：unallocatedAmount、remainingAvailableWithdrawals，以及每个目标的 currentBalance 与 targetAmount。

认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。

goalsAccounts
id
accountId
status
unallocatedAmount
sponsorBank
remainingAvailableWithdrawals
isRoundUpEnabled
roundUpGoalId
goals
name
currentBalance
targetAmount
goalStatus

POST /v1/goals/overview HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{}

{
  "goalsAccounts": [
    {
      "id": "gacct_1",
      "accountId": "goal_bank_1",
      "status": "ACTIVE",
      "unallocatedAmount": 2500,
      "sponsorBank": "COASTAL",
      "remainingAvailableWithdrawals": 4,
      "isRoundUpEnabled": true,
      "roundUpGoalId": "goal_roundup",
      "goals": [
        {
          "id": "goal_rent",
          "name": "Rent",
          "currentBalance": 42000,
          "targetAmount": 120000,
          "goalStatus": "OPEN",
          "isRoundUpGoal": false
        }
      ]
    }
  ]
}

读取 Flex 信用额度

POST /v1/flex/credit-line/lookup openfinance

读取 Flex 循环额度：spendingPower、totalOwed、principalOwed、feesOwed 以及 receivables 还款计划（dueDate、amount）。

认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。

flexCardLineOfCredit
spendingPower
totalOwed
principalOwed
feesOwed
pendingPurchasesTotal
approvalAmount
isApproved
receivables
dueDate
principalAmount
interestFeeAmount
participationFeeAmount
hasDispute
totalDisputedBalance

POST /v1/flex/credit-line/lookup HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{}

{
  "flexCardLineOfCredit": {
    "spendingPower": 17500,
    "totalOwed": 8250,
    "principalOwed": 7800,
    "feesOwed": 450,
    "pendingPurchasesTotal": 1200,
    "approval": {
      "id": "flexapr_9",
      "approvalAmount": 25000,
      "isApproved": true
    },
    "receivables": [
      {
        "dueDate": "2026-11-01",
        "amount": 8250,
        "principalAmount": 7800,
        "interestFeeAmount": 250,
        "participationFeeAmount": 200
      }
    ],
    "disputes": {
      "hasDispute": false,
      "totalDisputedBalance": 0
    }
  }
}

读取工资收入快照
POST /v1/income/payroll/snapshot openfinance
返回用于核定 ExtraCash 的工资快照：employerName、avgPaycheckAmount、paySchedule、lastPaycheckDate 与 nextPayrollDates。
认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。
- payrollData
- isPayrollConnected
- isEmployed
- employerName
- avgPaycheckAmount
- lastPaycheckDate
- paySchedule
- expectedPaycheckAmount
- nextPayrollDates
- canPayrollBeCalculated
- isPaystubDataAvailable
```
POST /v1/income/payroll/snapshot HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{}
```
```
{
  "payrollData": {
    "isPayrollConnected": true,
    "isEmployed": true,
    "employerName": "Acme Logistics",
    "avgPaycheckAmount": 84200,
    "lastPaycheckDate": "2026-10-10",
    "paySchedule": "BIWEEKLY",
    "expectedPaycheckAmount": 85000,
    "nextPayrollDates": [
      "2026-10-24",
      "2026-11-07"
    ],
    "canPayrollBeCalculated": true,
    "isPaystubDataAvailable": true
  }
}
```

列出已连接的外部银行账户

POST /v1/linked-accounts/list openbanking

列出会员已连接的外部银行账户：available 与 current 余额、lastFour、verificationStatus 以及聚合连接（bankingDataSource）。

认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。

bdsBankAccounts
id
legacyId
available
current
lastFour
verificationStatus
displayName
bankingDataSource
hasValidCredentials
hasReceivedTransactions

POST /v1/linked-accounts/list HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "filterType": "ALL"
}

{
  "bdsBankAccounts": [
    {
      "id": "bds_88c1",
      "legacyId": "legacy_12",
      "available": 41233,
      "current": 43010,
      "lastFour": "0091",
      "verificationStatus": "VERIFIED",
      "displayName": "Checking",
      "institution": {
        "displayName": "Example Bank"
      },
      "bankConnection": {
        "bankingDataSource": "PLAID",
        "hasReceivedTransactions": true,
        "hasValidCredentials": true,
        "deleted": false
      }
    }
  ]
}

读取 Dave Rent 账户

POST /v1/rent/account/lookup openfinance

返回 Dave Rent 账户：balance、账号与路由号、feeSchedule.participationFee 以及当前 rentCycle（totalRentAmount、overdraftLimit）。

认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。

rentAccount
id
status
balance
accountNumber
routingNumber
accountType
partnerBank
feePercentage
participationFee
rentDueDate
totalRentAmount
overdraftLimit
estimatedSettlementAmount
maxBalanceLimit

POST /v1/rent/account/lookup HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{}

{
  "rentAccount": {
    "id": "rent_3",
    "status": "ACTIVE",
    "balance": 60000,
    "accountNumber": "000987654321",
    "routingNumber": "000111222",
    "accountType": "RENT",
    "partnerBank": "COASTAL",
    "feeSchedule": {
      "feePercentage": 5.0,
      "participationFee": 500
    },
    "rentCycle": {
      "status": "OPEN",
      "rentDueDate": "2026-11-01",
      "rentWindowStart": "2026-10-25",
      "rentWindowEnd": "2026-11-01",
      "totalRentAmount": 145000,
      "overdraftLimit": 50000,
      "estimatedSettlementAmount": 85000
    },
    "transferLimits": {
      "maxDepositAmountPerTransfer": 200000,
      "maxWithdrawalAmountPerTransfer": 200000,
      "maxBalanceLimit": 250000
    }
  }
}

签发 Pinwheel 工资连接令牌
POST /v1/payroll/link-tokens openfinance
签发短期工资连接令牌（id、token、expires），让应用能打开第三方工资连接组件并把工资关联到 bankAccountId。
认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。
- pinwheelLinkToken
- id
- expires
- token
- bankAccountId
```
POST /v1/payroll/link-tokens HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "bankAccountId": "spend_4412"
}
```
```
{
  "pinwheelLinkToken": {
    "id": "pw_tok_18",
    "expires": "2026-10-17T16:30:00Z",
    "token": "<linkToken>"
  }
}
```
读取直接存款分配
POST /v1/direct-deposit/allocation/lookup openbanking
读取 Spending 账户的直接存款分配：ddAllocationAmount、bankAccountId、employerName 与 isPayrollConnected。
认证方式： Authorization: Bearer，令牌由会话刷新调用签发。邮箱、MFA、密码或证件核验等升级挑战须先通过登录挑战流程完成。
- ddAllocationData
- ddAllocationAmount
- ddAllocationCreationDate
- bankAccountId
- isEmployed
- employerName
- isPayrollConnected
```
POST /v1/direct-deposit/allocation/lookup HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "accountType": "SPEND"
}
```
```
{
  "ddAllocationData": {
    "ddAllocationAmount": 50000,
    "ddAllocationCreationDate": "2026-09-02",
    "bankAccountId": "spend_4412",
    "isEmployed": true,
    "employerName": "Acme Logistics",
    "isPayrollConnected": true
  }
}
```

数据类别

垫款
余额
交易流水
外部账户
收入
储蓄目标
信用额度
房租
借记卡
费用
直接存款

数据使用场景与案例

ExtraCash 核额回放
放贷或理财教练拉取 overdraftApprovals.maxApprovedAmount，叠加工资 payrollData.avgPaycheckAmount、paySchedule 与 nextPayrollDates，再对照 OverdraftTermsSuccess.serviceFee，按文档化收入而不是截图核定垫款。
Spending 流水对账
记账机器人读取 SpendAccount.currentBalance、accountNumber 与 routingNumber，再分页 settledTransactions 的 nodes（amount、displayName、transactedAt、settledAt），把工资入账与刷卡支出对到外部总账。
Flex 额度监控
催收或预算工具订阅 FlexCardLineOfCredit.spendingPower、totalOwed、principalOwed 与 receivables.dueDate，家庭无需打开卡片页也能看到剩余消费力与下一期 Flex 还款。
直接存款与外部银行核验
入驻流程确认 bdsBankAccounts.available/current 与 verificationStatus，再读 ddAllocationData.ddAllocationAmount 和 pinwheelLinkToken，证明工资已指向 Dave Spending 账户。

常见问题

能读到哪些 ExtraCash 字段？

GetApprovals 返回 overdraftApprovals 的 maxApprovedAmount、approvalType、bankAccountId 与 approvedRechargeAmount。OverdraftTerms 补充 requestedAmount、serviceFee、settleableAmount 与 settlementDate；GetFees 列出 OVERDRAFT_FEE 与 EXPRESS_FEE 区间；GetOverdraftTransactions 分页 amount、date、description 与 type。

除了垫款，Dave 有支票流水吗？

有。GetSpendAccount 返回 SpendAccount.currentBalance、accountNumber、routingNumber 与 sponsorBank。GetSettledTransactions 分页 settledTransactions 的 nodes（amount、displayName、transactedAt、settledAt），GetCards 列出借记卡 lastFour、bin 与 shippingStatus。

这些调用如何鉴权？

refreshUserAccess 用 refreshToken 换 RefreshUserAccessSuccessResult.accessToken，后续 GraphQL 调用以 Authorization: Bearer 携带。登录挑战走 initSessionAuthorizationStrategy 与 submitSessionAuthorizationChallenge（邮箱、MFA、密码或证件核验的 nextChallengeType）。

Flex 和 ExtraCash 是同一条额度吗？

不是。GetFlexCardLineOfCredit 读取 FlexCardLineOfCredit 的 spendingPower、totalOwed、principalOwed、feesOwed 与 receivables.dueDate——这是循环的 Flex 卡额度，有别于 ExtraCash 的 overdraftApprovals.maxApprovedAmount。

与 Dave: Credit, Cash & Money App 相似的应用

EarnIn — EarnIn 是美国的已赚工资提前支取应用，用户可在发薪日前通过 Cash Out 支取已经挣到的工资，无利息、无信用审查、无强制费用，每日最高 200 美元、每个发薪周期最高 1,000 美元。
Brigit — Brigit 是美国的现金垫款与信用建立应用，提供 25–500 美元的 Instant Cash 垫款，无需信用审查、不收滞纳金，并带有透支预警和信用监测。
MoneyLion — MoneyLion 的 Instacash 最高可垫 500 美元，无利息、无信用审查、无强制费用，标准到账 1–5 个工作日免费，也可选付费即时 Turbo 到账；向 MoneyLion Spend 账户存入符合条件的直接存款还可提高额度。
Possible Finance — Possible Advance 是美国面向下一笔工资的现金垫款，最高 300 美元，不收滞纳金、不做信用审查，同时还有最高 500 美元、可分期偿还的 Possible 贷款。
FloatMe — FloatMe 是美国现金垫款应用，提供最高 200 美元、无利息、无信用审查、无滞纳金的 Float，在下一个发薪日偿还，并在月费会员里附带预算和信用监测工具。
Current — Current 是美国新型银行应用，符合条件且工资入账不少于 200 美元的会员可通过 Paycheck Advance，在无信用审查的情况下相对下一笔工资最多支取 1,000 美元。
Chime — Chime MyPay 是面向已开通直接存款的合格 Chime 支票账户会员的已赚工资提前支取功能，每个发薪周期可垫 20–500 美元、不收利息，只有选择加速到账时才收取 2 美元。
Klover — Klover 是美国现金垫款应用，用户绑定银行账户后可在无信用审查、无利息、无滞纳金的情况下支取垫款，并提供预算工具和可提高垫款额度的积分。

需要集成这个 App 的数据 API？

我们可为任意指定 App 交付定制集成——源码交付 USD 500 起，或托管 API 按调用计费。告诉我们您需要的数据即可。

每个项目均签 NDA 与 SOW
3–7 天交付
验收通过后才付款
仅在授权范围内作业

获取报价

Dave ExtraCash、Spending 与 Flex 接口

应用截图

API 端点一览

刷新会话访问令牌

读取 ExtraCash 审批额度

询价 ExtraCash 条款

发起 ExtraCash 放款

列出 ExtraCash 交易流水

读取 ExtraCash 费用表

读取 Dave Spending 账户

分页已结算 Spending 流水

列出 Spending 借记卡

读取 Goals 账户总览

读取 Flex 信用额度

读取工资收入快照

列出已连接的外部银行账户

读取 Dave Rent 账户

签发 Pinwheel 工资连接令牌

读取直接存款分配

数据类别

数据使用场景与案例

ExtraCash 核额回放

Spending 流水对账

Flex 额度监控

直接存款与外部银行核验

常见问题

与 Dave: Credit, Cash & Money App 相似的应用

更多信贷类应用

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Duxi Finanzas: Préstamo Seguro

相关主题

需要集成这个 App 的数据 API？

Dave ExtraCash、Spending 与 Flex 接口

应用截图

API 端点一览

刷新会话访问令牌

读取 ExtraCash 审批额度

询价 ExtraCash 条款

发起 ExtraCash 放款

列出 ExtraCash 交易流水

读取 ExtraCash 费用表

读取 Dave Spending 账户

分页已结算 Spending 流水

列出 Spending 借记卡

读取 Goals 账户总览

读取 Flex 信用额度

读取工资收入快照

列出已连接的外部银行账户

读取 Dave Rent 账户

签发 Pinwheel 工资连接令牌

读取直接存款分配

数据类别

数据使用场景与案例

ExtraCash 核额回放

Spending 流水对账

Flex 额度监控

直接存款与外部银行核验

常见问题

相关应用

与 Dave: Credit, Cash & Money App 相似的应用

更多信贷类应用

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Duxi Finanzas: Préstamo Seguro

相关主题

需要集成这个 App 的数据 API？