Stori - Crédito y Ahorro 图标

Stori 数据 API:结单、CLABE 与 Inversión+

Stori · 银行

Stori - Crédito y Ahorro 是 Stori 面向墨西哥个人用户的 Android 应用,同属 PowerUp / Stori Card:一张数字信用卡,外加 Cuenta / Ahorro Turbo 存款账户。用户完成手机登录与 CURP 开户后,可激活实体卡或虚拟卡、用 SPEI CLABE 或 OXXO 缴款码还双周账单、把消费拆成 MSI 分期、领取 cashback,并把比索存进 Stori Inversión+ 定期金库。首页还覆盖锁卡、NIP、争议交易、FATCA 状态与 SPEI 转账限额。产品仅在墨西哥运营,与 Nu México、Klar、Mercado Pago 争夺希望在同一部手机上同时拥有循环额度和 CLABE 储蓄账户的用户。

双周结单钉住 availableCredit、totalDebt、minPayment 与 dueDate;消费行盖上 merchantName、amount、isMsi,旁边是 authNum 和 PAN 尾号 endingFour。Cuenta Turbo 存款给出 SPEI clabe、formattedClabe 与 fullUserName,转账上限在 maxAmountValue / accountLevel,收益刻度为 cycleAccumulatedAmount、yesterdayAccruedAmount、grossAmount、netAmount 和 isrTax。Stori Inversión+ 金库列出 depositAlias、gatNominalString 与 termString;cashback 台账把 cashback 与 amountToRedeem 拆开;担保卡保证金把 debitUnfrozenBalance 与 debitFrozenBalance 拆开。同一会话上的 KYC 带着 curp、email 和 phone。催收对账、SPEI 入账监控与收益看板消费这些对象;openData Studio 把它们变成可调用的开放数据。

应用截图

  • Stori - Crédito y Ahorro 应用截图 1
  • Stori - Crédito y Ahorro 应用截图 2
  • Stori - Crédito y Ahorro 应用截图 3
  • Stori - Crédito y Ahorro 应用截图 4
  • Stori - Crédito y Ahorro 应用截图 5
  • Stori - Crédito y Ahorro 应用截图 6
  • Stori - Crédito y Ahorro 应用截图 7
  • Stori - Crédito y Ahorro 应用截图 8

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。

  • 读取持卡人档案

    GET /v1/cardholders/me osint

    读取首页持卡人行:CURP、email、phone、unifiedStatus、dqInfo 以及 cards[] 列表。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • userID
    • customerID
    • name
    • lastName1
    • lastName2
    • email
    • phone
    • curp
    • birthDate
    • unifiedStatus
    • accountUUID
    • cardPinStatus
    • coreCustomerID
    • coreAccountID
    • isSecuredCard
    • dqInfo.status
    • dqInfo.dqDays
    • productInfo.productID
    • cards.cardUUID
    • cards.cardType
    GET /v1/cardholders/me HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "userID": "usr_8f21c4",
      "customerID": "cus_19a2b7",
      "name": "Ana",
      "lastName1": "García",
      "lastName2": "López",
      "email": "[email protected]",
      "phone": "5512345678",
      "curp": "GALA850101MDFRRN09",
      "birthDate": "1985-01-01",
      "unifiedStatus": "ACTIVE",
      "accountUUID": "acct-7c91e2",
      "campaignApiVersion": "v2",
      "cardPinStatus": "SET",
      "coreCustomerID": "core-cus-441",
      "coreAccountID": "core-acc-882",
      "isSecuredCard": false,
      "dqInfo": {"status": "CURRENT", "dqDays": 0},
      "productInfo": {"productID": "STORI_CARD", "subProductID": "CLASSIC"},
      "cards": [{"cardUUID": "card-aa12", "cardType": "PHYSICAL"}]
    }
  • 当前信用卡结单

    GET /v1/credit/statements/latest openfinance

    读取当前双周结单磁贴:availableCredit、totalDebt、minPayment 与 dueDate,供 Pay Mi Stori 缴款。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • availableCredit
    • totalDebt
    • originalBalance
    • totalPayment
    • minPayment
    • authCreditBalance
    • usedCredit
    • positiveAmount
    • overdraftAmount
    • statementDate
    • dueDate
    • currentDueDate
    • nextDueDate
    • lowQuincenaDate
    • highQuincenaDate
    • cutDate
    • lastUpdateTms
    GET /v1/credit/statements/latest HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "availableCredit": "12450.00",
      "totalDebt": "8750.40",
      "originalBalance": "9100.00",
      "totalPayment": "349.60",
      "minPayment": "440.00",
      "authCreditBalance": "21200.40",
      "usedCredit": "8750.40",
      "positiveAmount": "0.00",
      "overdraftAmount": "0.00",
      "statementDate": "2026-10-15",
      "currentStatementDt": "2026-10-15",
      "nextStatementDt": "2026-10-31",
      "dueDate": "2026-10-25",
      "currentDueDate": "2026-10-25",
      "nextDueDate": "2026-11-10",
      "expirationDay": 25,
      "lowQuincenaDate": "2026-10-01",
      "highQuincenaDate": "2026-10-15",
      "cutDate": "2026-10-15",
      "lastUpdateTms": "2026-10-19T18:40:00-06:00"
    }
  • 列出信用卡交易

    GET /v1/credit/ledger/entries openbanking

    分页读取动账列表:merchantName、amount、isMsi、authNum,以及 first/next/last 游标。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • count
    • first
    • next
    • previous
    • last
    • result.id
    • merchantName
    • amount
    • transactionType
    • category
    • currency
    • dateTime
    • isMsi
    • isInstallmentAvailable
    • endingFour
    • authNum
    • storiVAT
    GET /v1/credit/ledger/entries HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "count": 2,
      "first": "/v1/credit/ledger/entries?page=1",
      "next": null,
      "previous": null,
      "last": "/v1/credit/ledger/entries?page=1",
      "result": [
        {
          "id": "txn_9c41",
          "displayType": "PURCHASE",
          "transactionType": "POS",
          "category": "GROCERY",
          "merchantName": "OXXO REFORMA",
          "title": "OXXO Reforma",
          "amount": "186.50",
          "storiVAT": "25.86",
          "currency": "MXN",
          "city": "CDMX",
          "country": "MX",
          "isTxnTypeChargebackAvailable": true,
          "ticketNumber": "TCK-4412",
          "endingFour": "4412",
          "dateTime": "2026-10-18T19:12:00-06:00",
          "authNum": "084421",
          "cardType": "PHYSICAL",
          "isInstallmentAvailable": true,
          "isMsi": false
        }
      ]
    }
  • 信用卡交易详情

    GET /v1/credit/ledger/entries/{entry_id} openbanking

    把一笔动账展开为收据字段:authNum、endingFour、storiVAT、city/country 以及争议资格。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • id
    • merchantName
    • amount
    • storiVAT
    • currency
    • city
    • country
    • authNum
    • endingFour
    • category
    • ticketNumber
    • isTxnTypeChargebackAvailable
    • isMsi
    • isInstallmentAvailable
    • dateTime
    • cardType
    GET /v1/credit/ledger/entries/txn_9c41 HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "id": "txn_9c41",
      "displayType": "PURCHASE",
      "transactionType": "POS",
      "category": "GROCERY",
      "merchantName": "OXXO REFORMA",
      "title": "OXXO Reforma",
      "amount": "186.50",
      "storiVAT": "25.86",
      "currency": "MXN",
      "city": "CDMX",
      "country": "MX",
      "isTxnTypeChargebackAvailable": true,
      "ticketNumber": "TCK-4412",
      "endingFour": "4412",
      "dateTime": "2026-10-18T19:12:00-06:00",
      "authNum": "084421",
      "cardType": "PHYSICAL",
      "billerAccountId": null,
      "isInstallmentAvailable": true,
      "isMsi": false,
      "relatedTransactions": []
    }
  • 结单周期汇总

    GET /v1/credit/accounts/{account_id}/period-summary openfinance

    把一个结单周期拆成 initialBalance、purchases、payments、interests、vat 与 endingBalance。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • initialBalance
    • payments
    • credits
    • debits
    • purchases
    • interests
    • fees
    • cashWithdrawals
    • vat
    • endingBalance
    GET /v1/credit/accounts/acct-7c91e2/period-summary HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "initialBalance": "9100.00",
      "payments": "349.60",
      "credits": "120.00",
      "debits": "0.00",
      "purchases": "186.50",
      "interests": "41.20",
      "fees": "0.00",
      "cashWithdrawals": "0.00",
      "vat": "25.86",
      "endingBalance": "8750.40"
    }
  • Cuenta Turbo 动账列表

    GET /v1/deposits/accounts/{customer_id}/movements openbanking

    分页读取 Cuenta Turbo 的 SPEI 与收益动账:billingAmount、txnType、direction、status。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • currentPage
    • recordsPage
    • totalRecords
    • items.transactionId
    • billingAmount
    • currencyCode
    • txnType
    • bizType
    • direction
    • status
    • postDayLocal
    • postTimeLocal
    • cpAccountId
    GET /v1/deposits/accounts/usr_8f21c4/movements HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "currentPage": 1,
      "recordsPage": 20,
      "totalRecords": 1,
      "items": [
        {
          "transactionId": "dep-txn-10021",
          "billingAmount": "2500.00",
          "currencyCode": "MXN",
          "txnType": "SPEI_IN",
          "bizType": "DEPOSIT",
          "cpAccountId": "cpa-441",
          "productRequestId": "pr-77",
          "direction": "CREDIT",
          "postDayLocal": "2026-10-18",
          "postTimeLocal": "14:05:11",
          "type": "TRANSFER",
          "status": "POSTED",
          "refundReason": null
        }
      ]
    }
  • 读取 SPEI CLABE

    GET /v1/deposits/receive/clabe openbanking

    返回 Cuenta Turbo 收款页的 SPEI CLABE:clabe、formattedClabe、provider 与 fullUserName。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • provider
    • channel
    • clabe
    • formattedClabe
    • status
    • fullUserName
    GET /v1/deposits/receive/clabe?user=true HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "provider": "STP",
      "channel": "CLABE",
      "clabe": "646180123456789012",
      "formattedClabe": "646 180 12345678901 2",
      "status": "ACTIVE",
      "fullUserName": "ANA GARCIA LOPEZ"
    }
  • SPEI 转账限额

    GET /v1/deposits/accounts/{customer_id}/transfer-limits openbanking

    读取 CNBV 风格的 accountLevel 上限:Turbo 转出的 maxAmountValue、maxAmountDeposit 与 cycleType。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • limitCode
    • ruleType
    • cycleType
    • maxAmountValue
    • accountLevel
    • maxAmountDeposit
    GET /v1/deposits/accounts/usr_8f21c4/transfer-limits HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "limitCode": "SPEI_OUT",
      "ruleType": "MAX_AMOUNT",
      "cycleType": "DAILY",
      "maxAmountValue": "25000.00",
      "accountLevel": "N2",
      "maxAmountDeposit": "50000.00"
    }
  • Cuenta Turbo 应计收益

    GET /v1/deposits/accounts/{customer_id}/yield openfinance

    读取 Turbo 收益刻度:cycleAccumulatedAmount、yesterdayAccruedAmount、grossAmount、netAmount 与 ISR 预扣。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • date
    • currency
    • cycleAccumulatedAmount
    • yesterdayAccruedAmount
    • grossAmount
    • netAmount
    • isrTax
    GET /v1/deposits/accounts/usr_8f21c4/yield HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "date": "2026-10-19",
      "currency": "MXN",
      "cycleAccumulatedAmount": "42.18",
      "yesterdayAccruedAmount": "1.37",
      "grossAmount": "49.10",
      "netAmount": "42.18",
      "isrTax": "6.92"
    }
  • 列出 Inversión+ 金库

    GET /v1/savings/vaults openfinance

    列出 Stori Inversión+ 金库:depositAlias、gatNominalString、termString、totalInvestment 与 autorenewal 标志。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • id
    • status
    • statusString
    • depositAlias
    • amountString
    • leftDays
    • endDate
    • interestString
    • termString
    • gatNominalString
    • totalInvestment
    • interestReturn
    • isAutoRenewalEnabled
    • investmentChoice
    GET /v1/savings/vaults HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "investments": [
        {
          "id": "vault-svd-00007",
          "status": "ACTIVE",
          "statusString": "Activa",
          "depositAlias": "Stori Inversión+",
          "amountString": "$10,000.00",
          "leftDays": 312,
          "endDateString": "15 sep 2027",
          "endDate": "2027-09-15",
          "createdDateString": "20 oct 2026",
          "interestString": "$1,550.00",
          "termString": "360 días",
          "gatNominalString": "15.50%",
          "totalInvestment": "10000.00",
          "interestReturn": "1550.00",
          "autorenewal": false,
          "isAutoRenewalEnabled": false,
          "autorenewalEditable": true,
          "investmentChoice": "SVDFIXTERM00007"
        }
      ]
    }
  • Inversión+ 金库限额

    GET /v1/savings/vaults/capacity openfinance

    读取可开立或追加 Inversión+ 金库的现金(availableBalance)以及 GAT 声明。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • availableBalance
    • disclaimer
    GET /v1/savings/vaults/capacity HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "availableBalance": "8500.00",
      "disclaimer": "El GAT nominal es bruto antes de ISR."
    }
  • 累计 cashback

    GET /v1/rewards/cashback/balance openfinance

    读取奖励 cashback 余额:cashback 与 amountToRedeem、cashbackLimitReached,以及 redeemed_cashback / instant_cashback 体验。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • cashback
    • cashbackLimitReached
    • userExperience
    • amountToRedeem
    GET /v1/rewards/cashback/balance HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "cashback": "320.50",
      "cashbackLimitReached": false,
      "userExperience": "redeemed_cashback",
      "amountToRedeem": "320.50"
    }
  • 担保卡保证金余额

    GET /v1/secured-card/collateral/{customer_id} openfinance

    把担保卡保证金拆成 debitFrozenBalance、debitUnfrozenBalance 与 remainingToActivate。

    认证方式: Authorization: Bearer <id-token-jwt>,由应用登录会话签发的身份令牌,每次调用都会携带。

    • remainingToActivate
    • debitUnfrozenBalance
    • minimalDebitFrozenBalanceForConsumption
    • debitFrozenBalance
    GET /v1/secured-card/collateral/usr_8f21c4 HTTP/1.1
    Authorization: Bearer <id-token-jwt>
    Accept: application/json
    {
      "remainingToActivate": "0.00",
      "debitUnfrozenBalance": "1500.00",
      "minimalDebitFrozenBalanceForConsumption": "500.00",
      "debitFrozenBalance": "3500.00"
    }

数据类别

  • 身份
  • 信用卡结单
  • 卡交易
  • SPEI CLABE
  • 存款收益
  • 投资金库
  • cashback

数据使用场景与案例

  • 双周信用额度对账

    夜间任务拉取 availableCredit、totalDebt、minPayment,对照 purchases/payments/endingBalance,让催收或 ERP 在不抓取 Pay Mi Stori 的情况下标出 overdue 的 dueDate 窗口。

  • SPEI 入账匹配

    资金机器人把对外展示的 clabe / formattedClabe 绑到 Turbo SPEI_IN 行(transactionId、billingAmount、direction),并按 maxAmountValue / accountLevel 卡住转出。

  • 收益与 Inversión+ 运营

    财富看板绘制 Cuenta Turbo 的 cycleAccumulatedAmount 与 isrTax,再按 gatNominalString、termString、autorenewal 列出金库,形成披露 GAT 的定期库存。

  • KYC 与 cashback 叠加

    客服把持卡人行上的 curp、email、phone 与 cashback / amountToRedeem 以及担保卡 debitFrozenBalance 拼在一起,处理争议或保证金追加。

常见问题

Stori 用哪些字段描述当前信用额度?

当前结单对象携带 availableCredit、totalDebt、usedCredit、minPayment 与 dueDate;周期汇总则是 initialBalance、purchases、payments、vat 与 endingBalance。

Cuenta Turbo 的 SPEI 账户如何表示?

收款页公布 clabe、formattedClabe、provider 与 fullUserName。动账再盖上 transactionId、billingAmount、txnType、direction、status;限额落在 maxAmountValue、maxAmountDeposit、accountLevel、cycleType。

如何识别一名 Stori 持卡人?

档案行以 userID、customerID 为键,携带 curp、email、phone、unifiedStatus、dqInfo 以及 cards[](cardUUID、cardType)。

与 Stori - Crédito y Ahorro 相似的应用

  • Nu — Nu 是 Nubank 在墨西哥的应用,2019 年进入该市场,提供免年费 Mastercard 信用卡和无手续费数字账户,之后由 Nu México 申请了当地银行牌照。
  • Klar — Klar 是受墨西哥 CNBV 监管的 SOFIPO,可在应用内办理免年费信用卡、Cuenta Klar 借记账户和定期 Inversión 存款。
  • Mercado Pago — Mercado Pago 在墨西哥发行免年费 Visa 信用卡(支持 MSI 分期),并提供对可用余额和 Apartados 储蓄计息的数字账户。
  • Ualá — Ualá 在墨西哥提供免年费信用卡、Mastercard 借记卡,以及带 Reserva a plazo 定期存款的计息账户。
  • Plata — Plata(Banco Plata)是墨西哥数字银行,应用内发行带分类 cashback 和 MSI 分期的 Plata Crédito Mastercard,并提供 Plata Cuenta 存款。
  • Hey Banco — Hey Banco 是墨西哥数字银行,可在应用开户、办理终身免年费信用卡,并使用 Ahorro Hey 储蓄和 Inversión Hey 存款。
  • albo — albo 是墨西哥 CNBV 授权的电子支付机构(IFPE),个人账户配实体和虚拟 Mastercard 借记卡,并可在零售网点存入现金。

相关主题

  • Stori API
  • Stori 墨西哥信用卡
  • availableCredit
  • SPEI clabe
  • gatNominalString
  • Cuenta Turbo 收益
  • Stori Inversión+
  • curp 持卡人

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