telebirr 钱包与理财数据 API

Ethio telecom SC · 支付

telebirr 是埃塞俄比亚电信 Ethio telecom SC 面向本国用户的移动钱包超级应用：客户用埃塞电信手机号加 PIN（或指纹）登录后，可向联系人或商户二维码转比尔，买话费，缴 ethio telecom 账单和燃油费，把钱转到绑定银行账户，在比尔余额之外持有美元钱包，并在理财页开通 Mela 小额贷款、Sanduq 储蓄和 Endekise 透支。聊天红包、求款、定时转账和 Visa PAN 与首页功能宫格并列。它是 telebirr Partner 的消费者端，面向持有埃塞手机号的用户，在本地与 CBE Birr、M-PESA Ethiopia、HelloCash 竞争。

钱包 amount 与多币种 balances 和 Mela 的 loanBalance、Sanduq 的 availableBalance 落在同一客户账本上。每行带 currency（ETB 或 USD）、accountType 与 balanceId；存折行补充 orderId、transType、oppositeName 与 transTime，回单再给出 tradeStatus 与 refundStatus。

P2P 报价先签发带 feeAmount、actualAmount 的 prepayId，PIN 确认后返回 transId 与 orderStatus；银行出金复用 bankShortCode 与 holderName。信贷侧读取 creditLimit、outstandingAmount、loanDueDate，储蓄侧读取 accruedInterest 与 maturityDate。CRM KYC（idNumber、woreda、kebele）和轮换 qrCode 补齐商户与入驻叠加。openData Studio 把这些字段做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。

登录并加载客户资料

POST /v1/mm/session/pin osint

校验订户并返回会话令牌，以及首页抬头使用的 KYC 资料（手机号、姓名、证件、客户等级与收款码）。

认证方式：手机号加 PIN（或生物识别）。无需事先令牌。响应中的 token 与 accessToken 作为后续请求的 X-Auth-Token；tokenRenewalEnable / tokenRenewalIntervalTime 驱动令牌续期。

token
accessToken
encryptMsisdn
tokenRenewalEnable
tokenRenewalIntervalTime
customer.msisdn
customer.firstName
customer.idType
customer.idNumber
customer.customerLevel
qrCode

POST /v1/mm/session/pin HTTP/1.1
Content-Type: application/json

{"initiatorMsisdn":"2519xxxxxxx","initiatorPin":"******","pinVersion":"1"}

{
  "responseCode": "0",
  "responseDesc": "Success",
  "serverTimestamp": "2026-10-04T12:01:00Z",
  "token": "sess-8f21c4a0",
  "accessToken": "at-c91e2b77",
  "encryptMsisdn": "enc-msisdn",
  "supportPinLogin": "true",
  "tokenRenewalEnable": true,
  "tokenRenewalIntervalTime": 600000,
  "tokenRenewalLimit": 3,
  "qrCode": "000201...",
  "customer": {
    "msisdn": "251911223344",
    "firstName": "Abebe",
    "nickName": "Abebe",
    "idType": "NATIONAL_ID",
    "idNumber": "3124****",
    "idName": "Abebe Bekele",
    "customerLevel": "L2",
    "gender": "M",
    "birthday": "1990-03-12",
    "qrCode": "000201..."
  }
}

读取比尔钱包余额

GET /v1/mm/ledger/etb openbanking

读取「我的余额」页展示的主钱包比尔余额。

认证方式： PIN 登录下发的 token / accessToken，以 X-Auth-Token 携带。

amount
amountDisplay
currency
unit
unitType
responseCode

GET /v1/mm/ledger/etb HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "responseDesc": "Success",
  "amount": "1250.50",
  "amountDisplay": "1,250.50",
  "currency": "ETB",
  "unit": "ETB",
  "unitType": "FIAT"
}

列出多币种钱包余额

GET /v1/mm/ledger/currencies openbanking

返回填充「我的余额 / 我的美元余额」的比尔主钱包、美元钱包与奖励余额行。

认证方式： PIN 登录会话 X-Auth-Token。

balances
balanceId
accountType
accountTypeAlias
accountTypeNameDisplay
amount
amountDisplay
currency
unit
unitType
forward

GET /v1/mm/ledger/currencies HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "balances": [
    {
      "balanceId": "BAL-ETB-1",
      "accountType": "MAIN",
      "accountTypeAlias": "telebirr",
      "accountTypeNameDisplay": "telebirr balance",
      "amount": "1250.50",
      "amountDisplay": "1,250.50",
      "currency": "ETB",
      "unit": "ETB",
      "unitType": "FIAT",
      "order": "1",
      "forward": "my_balance"
    },
    {
      "balanceId": "BAL-USD-1",
      "accountType": "USD",
      "accountTypeAlias": "usd_wallet",
      "accountTypeNameDisplay": "USD balance",
      "amount": "42.00",
      "amountDisplay": "42.00",
      "currency": "USD",
      "unit": "USD",
      "unitType": "FIAT",
      "order": "2",
      "forward": "my_usd_balance"
    }
  ]
}

分页钱包流水

GET /v1/mm/passbook openbanking

分页交易历史：每笔钱包变动的对手方、类型、金额与订单号。

认证方式： PIN 登录会话 X-Auth-Token。

transRecords
orderId
amount
amountDisplay
currency
transType
transTypeDisplay
oppositeName
executeOperatorName
transTime
startNum
count
filterTypes

GET /v1/mm/passbook?startNum=0&count=20&startTime=2026-09-01+00:00:00&endTime=2026-10-04+23:59:59 HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "transRecords": [
    {
      "orderId": "ORD-998877",
      "amount": "499.00",
      "amountDisplay": "499.00",
      "currency": "ETB",
      "transType": "P2P",
      "transTypeDisplay": "Transfer",
      "oppositeName": "Bekele Tadesse",
      "executeOperatorName": "Abebe Bekele",
      "transTime": 1759593600000
    }
  ]
}

读取交易回单明细

GET /v1/mm/passbook/{orderId} openbanking

加载单笔钱包订单的回单，含退款/冲正标志与带标签的 tradeDetails 行。

认证方式： PIN 登录会话 X-Auth-Token。

paymentOrderId
linkedOrderId
linkedOrderType
amount
amountDisplay
currency
businessType
tradeStatus
tradeStatusDesc
tradeDesc
refundStatus
reverseStatus
tradeDetails

GET /v1/mm/passbook/ORD-998877 HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "paymentOrderId": "PAY-998877",
  "linkedOrderId": "ORD-998877",
  "linkedOrderType": "P2P",
  "amount": "499.00",
  "amountDisplay": "499.00",
  "currency": "ETB",
  "businessType": "TRANSFER",
  "tradeStatus": "SUCCESS",
  "tradeStatusDesc": "Completed",
  "tradeDesc": "Send money",
  "refundStatus": "NONE",
  "reverseStatus": "NONE",
  "exportImage": true,
  "unit": "ETB",
  "unitType": "FIAT",
  "tradeDetails": [{"label": "Receiver", "value": "Bekele Tadesse"}]
}

预下单钱包转账

POST /v1/mm/p2p/quote openbanking

为 P2P 转账报价手续费与扣款额，并签发 PIN 确认页提交的 prepayId。

认证方式： PIN 登录会话 X-Auth-Token。

prepayId
oppositeName
originalAmount
feeAmount
actualAmount
balance
balanceDisplay
currency
expire

POST /v1/mm/p2p/quote HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Content-Type: application/json

{"initiatorMsisdn":"251911223344","receiverMsisdn":"251922334455","amount":"499.00","currency":"ETB"}

{
  "responseCode": "0",
  "prepayId": "PRE-441122",
  "oppositeName": "Bekele Tadesse",
  "originalAmount": "499.00",
  "originalAmountDisplay": "499.00",
  "feeAmount": "2.50",
  "feeAmountDisplay": "2.50",
  "actualAmount": "501.50",
  "actualAmountDisplay": "501.50",
  "balance": "1250.50",
  "balanceDisplay": "1,250.50",
  "currency": "ETB",
  "expire": "120",
  "unit": "ETB",
  "unitType": "FIAT"
}

执行钱包转账

POST /v1/mm/p2p/commit openbanking

提交 PIN 确认后的 P2P 转账，返回结果页的 orderId、transId 与扣款拆分。

认证方式：会话 X-Auth-Token，另附加密 initiatorPin 与 pinVersion。

prepayId
initiatorPin
pinVersion
notes
fundsSource
orderId
transId
orderStatus
originalAmount
feeAmount
actualAmount
currency
transTime

POST /v1/mm/p2p/commit HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Content-Type: application/json

{"prepayId":"PRE-441122","initiatorPin":"******","pinVersion":"1","notes":"rent","fundsSource":"WALLET"}

{
  "responseCode": "0",
  "orderId": "ORD-998877",
  "transId": "TXN-110022",
  "orderStatus": "SUCCESS",
  "businessType": "TRANSFER",
  "originalAmount": "499.00",
  "originalAmountDisplay": "499.00",
  "feeAmount": "2.50",
  "feeAmountDisplay": "2.50",
  "actualAmount": "501.50",
  "actualAmountDisplay": "501.50",
  "currency": "ETB",
  "transTime": "2026-10-04 12:05:11",
  "title": "Transfer successful"
}

列出钱包转银行出金银行

GET /v1/mm/banks openbanking

列出「转到银行」选择器中的目标银行（短码、掩码账号、户名）。

认证方式： PIN 登录会话 X-Auth-Token。

bankConfigs
recents
bankShortCode
bankName
bankNameI18n
bankAccountNo
holderName
showHolderName
logo

GET /v1/mm/banks HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "bankConfigs": [
    {
      "bankShortCode": "CBE",
      "bankName": "Commercial Bank of Ethiopia",
      "bankNameI18n": "Commercial Bank of Ethiopia",
      "bankAccountNo": "1000********12",
      "holderName": "Abebe Bekele",
      "showHolderName": "true"
    }
  ],
  "recents": []
}

钱包转出到银行账户

POST /v1/mm/payout/bank openbanking

把比尔从钱包打到银行选择器中选中的绑定银行卡/账户。

认证方式：会话 X-Auth-Token，另附 PIN。

bankCardId
amount
note
tradeType
orderId
transId
orderStatus
originalAmount
feeAmount
actualAmount
currency

POST /v1/mm/payout/bank HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Content-Type: application/json

{"initiatorMsisdn":"251911223344","bankCardId":"BC-88","amount":"800.00","note":"salary","tradeType":"WALLET_TO_BANK","initiatorPin":"******","pinVersion":"1"}

{
  "responseCode": "0",
  "orderId": "ORD-BANK-12",
  "transId": "TXN-BANK-12",
  "orderStatus": "SUCCESS",
  "originalAmount": "800.00",
  "feeAmount": "5.00",
  "actualAmount": "805.00",
  "currency": "ETB",
  "transTime": "2026-10-04 12:08:00"
}

读取 Mela 贷款额度

GET /v1/mm/mela/limit openfinance

加载 Mela / 合作银行授信额度与信用分，供贷款市场与「我的 telebirr Mela」页使用。

认证方式： PIN 登录会话 X-Auth-Token。

creditLimit
creditScore
productList
productId
productName
avaiableLimit
minLimit
maxLimit
termDays
companyName
bankCode
fundsLenderId

GET /v1/mm/mela/limit?bankCode=CBE&fundsLenderId=LENDER-1 HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "creditLimit": "15000",
  "creditScore": "720",
  "productList": [
    {
      "productId": "MELA-STD",
      "productName": "telebirr Mela",
      "productNameI18n": "telebirr Mela",
      "companyName": "Commercial Bank of Ethiopia",
      "avaiableLimit": "12000",
      "minLimit": "100",
      "maxLimit": "15000",
      "termDays": 30,
      "allowApplyNPL": true
    }
  ]
}

列出 Mela 贷款产品与合同

GET /v1/mm/mela/contracts openfinance

列出订户的 Mela 合同及未偿、本金与到期日，供「我的 telebirr Mela」使用。

认证方式： PIN 登录会话 X-Auth-Token。

active
totalCreditAmount
totalOutstandingAmount
totalPaidAmount
contracts
contractId
loanBalance
outstandingAmount
principal
disburseAmount
loanDueDate
status
currentInstallment
totalInstallments

GET /v1/mm/mela/contracts HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "active": true,
  "currency": "ETB",
  "totalCreditAmount": "15000.00",
  "totalOutstandingAmount": "3200.00",
  "totalPaidAmount": "1800.00",
  "contracts": [
    {
      "contractId": "CTR-1001",
      "productId": "MELA-STD",
      "productName": "telebirr Mela",
      "loanBalance": "3200.00",
      "outstandingAmount": "3200.00",
      "principal": "3000.00",
      "principalAmount": "3000.00",
      "disburseAmount": "3000.00",
      "loanDueDate": "2026-11-01",
      "status": "ACTIVE",
      "isActive": true,
      "currentInstallment": "1",
      "totalInstallments": "1",
      "currency": "ETB"
    }
  ]
}

读取 Mela 贷款合同详情

GET /v1/mm/mela/contracts/{contractId} openfinance

打开单笔 Mela 合同，含还款计划与放款/还款流水。

认证方式： PIN 登录会话 X-Auth-Token。

contractId
loanBalance
outstandingAmount
principal
disburseAmount
loanDueDate
status
allowRollover
repaymentSchedules
transactionList
transactionId
transactionAmount
transactionType
walletOrderID

GET /v1/mm/mela/contracts/CTR-1001 HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "contractId": "CTR-1001",
  "productName": "telebirr Mela",
  "loanBalance": "3200.00",
  "outstandingAmount": "3200.00",
  "principal": "3000.00",
  "disburseAmount": "3000.00",
  "loanDueDate": "2026-11-01",
  "status": "ACTIVE",
  "allowRollover": true,
  "allowIntall": false,
  "repaymentSchedules": [{"dueDate": "2026-11-01", "amount": "3200.00"}],
  "transactionList": [
    {
      "transactionId": "LTX-1",
      "orderID": "ORD-LOAN-1",
      "walletOrderID": "WO-1",
      "transactionAmount": "3000.00",
      "transactionType": "DISBURSE",
      "transactionTitle": "Loan disbursement",
      "transactionTime": "2026-09-01 10:00:00",
      "transfer": "In",
      "balance": "3000.00",
      "currency": "ETB"
    }
  ]
}

列出 Sanduq 储蓄账户

GET /v1/mm/sanduq/accounts openfinance

列出 Sanduq / 锁定储蓄账户的本金、应计利息、利率与到期日，供「我的 telebirr 储蓄」使用。

认证方式： PIN 登录会话 X-Auth-Token。

accountItems
accountNo
productName
balance
availableBalance
frozenBalance
principalAmount
accruedInterest
productRateValue
maturityDate
openAccountDate
status
currency

GET /v1/mm/sanduq/accounts HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "numberOfTotal": "1",
  "startNumberOfReturned": "1",
  "endNumberOfReturned": "1",
  "accountItems": [
    {
      "accountNo": "SAV-4401",
      "custAccountNo": "CA-4401",
      "accountType": "LOCKED",
      "productID": "SANDUQ-30",
      "productUnquieID": "SANDUQ-30-A",
      "productName": "telebirr Sanduq",
      "productNameI18N": "telebirr Sanduq",
      "balance": "5000.00",
      "availableBalance": "5000.00",
      "frozenBalance": "0.00",
      "unclearingBalance": "0.00",
      "principalAmount": "5000.00",
      "accruedInterest": "41.10",
      "productRateValue": "10",
      "productRateValueMode": "YEAR",
      "maturityDate": "2026-12-01",
      "openAccountDate": "2026-09-01",
      "status": "ACTIVE",
      "currency": "ETB"
    }
  ]
}

钱包支出分析（日图）

GET /v1/mm/spend/daily opendata

为应用内支出图提供区间贷记/借记合计与按日柱。

认证方式： PIN 登录会话 X-Auth-Token。

totalCreditAmount
totalDebitAmount
totalTransactionCount
transactionDailyList
daily
creditAmount
debitAmount

GET /v1/mm/spend/daily?startTime=2026-09-01&endTime=2026-09-30 HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "totalCreditAmount": "12000.00",
  "totalDebitAmount": "8450.00",
  "totalTransactionCount": "37",
  "transactionDailyList": [
    {"daily": "2026-09-12", "creditAmount": "500.00", "debitAmount": "120.00"}
  ]
}

签发收款二维码

POST /v1/mm/receive/qr openbanking

签发「用 telebirr 扫码向我付款」界面上轮换的收款码。

认证方式： PIN 登录会话 X-Auth-Token。

qrCode
qrCodes
effectiveTime
expiredTime
refreshTime

POST /v1/mm/receive/qr HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Content-Type: application/json

{"initiatorMsisdn":"251911223344"}

{
  "responseCode": "0",
  "qrCode": "000201...",
  "qrCodes": [
    {
      "qrCode": "000201...",
      "effectiveTime": "2026-10-04T12:00:00Z",
      "expiredTime": "2026-10-04T12:05:00Z",
      "refreshTime": "30"
    }
  ]
}

读取 CRM KYC 档案

GET /v1/mm/kyc/profile osint

拉取埃塞电信 CRM 的 KYC 档案（姓名、国民身份证、woreda/kebele 地址、照片），用于升级与资料页。

认证方式： PIN 登录会话 X-Auth-Token。

firstName
middleName
lastName
idNumber
dateOfBirth
gender
nationality
region
city
woreda
kebele
zone
isRegisteredInCRM
photo

GET /v1/mm/kyc/profile HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "firstName": "Abebe",
  "middleName": "Kebede",
  "lastName": "Bekele",
  "idNumber": "3124****",
  "dateOfBirth": "1990-03-12",
  "gender": "M",
  "nationality": "ET",
  "nationalityDisplay": "Ethiopian",
  "region": "Addis Ababa",
  "regionDisplay": "Addis Ababa",
  "city": "Addis Ababa",
  "woreda": "04",
  "kebele": "12",
  "zone": "Arada",
  "isRegisteredInCRM": "true",
  "photo": "base64..."
}

查询美元兑比尔汇率
GET /v1/mm/fx/quote openfinance
返回「我的美元余额」页在换汇扣款前展示的美元兑比尔汇率。
认证方式： PIN 登录会话 X-Auth-Token。
- sourceCurrency
- targetCurrency
- exchangeRate
- responseCode
```
GET /v1/mm/fx/quote?sourceCurrency=USD&targetCurrency=ETB HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json
```
```
{
  "responseCode": "0",
  "responseDesc": "Success",
  "exchangeRate": "57.2500"
}
```
读取已签发的 Visa PAN
GET /v1/mm/card/visa openbanking
加载订户已签发的 Visa PAN（或 apply=false），供「我的 Visa PAN」页使用。
认证方式： PIN 登录会话 X-Auth-Token。
- apply
- visaPAN
- visaBackgroundUrl
- responseCode
```
GET /v1/mm/card/visa HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json
```
```
{
  "responseCode": "0",
  "apply": true,
  "visaPAN": "4***********1234"
}
```
读取 Endekise 透支额度
GET /v1/mm/endekise/limit openfinance
读取首页信贷瓷砖缓存的 Endekise 可用额度 availableLimit 与总额度 totalLimit。
认证方式： PIN 登录会话 X-Auth-Token。
- limitInfo
- limitInfo.currency
- availableLimit
- totalLimit
- serverTimestamp
- initiatorMsisdn
```
GET /v1/mm/endekise/limit HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json
```
```
{
  "responseCode": "0",
  "serverTimestamp": "2026-10-04T12:10:00Z",
  "limitInfo": {
    "currency": "ETB",
    "availableLimit": "2500.00",
    "totalLimit": "5000.00"
  }
}
```

列出 Endekise 透支合同

GET /v1/mm/endekise/contracts openfinance

列出 Endekise 信贷合同的未偿/已还金额与到期日，供 Credit Pay 首页使用。

认证方式： PIN 登录会话 X-Auth-Token。

availableLimit
totalLimit
totalPaidAmount
totalUnpaidAmount
contracts
contractId
contractName
contractState
outstandingAmount
paidAmount
dueDate
periodStartDate

GET /v1/mm/endekise/contracts HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "active": true,
  "availableLimit": "2500.00",
  "totalLimit": "5000.00",
  "totalPaidAmount": "800.00",
  "totalUnpaidAmount": "1200.00",
  "currency": "ETB",
  "contracts": [
    {
      "contractId": "OD-2201",
      "contractName": "Endekise",
      "contractState": "ACTIVE",
      "outstandingAmount": "1200.00",
      "paidAmount": "800.00",
      "disburseAmount": "2000.00",
      "principal": "2000.00",
      "totalAmount": "2000.00",
      "dueDate": "2026-10-31",
      "periodStartDate": "2026-10-01",
      "isActive": true
    }
  ]
}

列出求款订单

GET /v1/mm/collect/orders openbanking

列出求款订单及收款/付款方标识与状态，供求款收件箱使用。

认证方式： PIN 登录会话 X-Auth-Token。

totalCount
requestMoneyOrderInfos
requestMoneyOrderId
amount
payAmount
currency
payeeName
payeeIdentifier
payerName
payerIdentifier
status
statusDisplay
paymentMethod

GET /v1/mm/collect/orders HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "totalCount": "2",
  "requestMoneyOrderInfos": [
    {
      "requestMoneyOrderId": "RM-7788",
      "amount": "250.00",
      "payAmount": "250.00",
      "currency": "ETB",
      "payeeName": "Abebe Bekele",
      "payeeIdentifier": "251911223344",
      "payerName": "Bekele Tadesse",
      "payerIdentifier": "251922334455",
      "status": "PENDING",
      "statusDisplay": "Waiting",
      "paymentMethod": "WALLET"
    }
  ]
}

列出定时自动付款

GET /v1/mm/schedules openbanking

列出自动付款计划（金额、频率、收款人手机号与提醒窗口），供定时转账页展示。

认证方式： PIN 登录会话 X-Auth-Token。

reminderScheduleInfoDetails
reminderScheduleId
scheduleName
amount
currency
frequency
receiverMsisdn
firstPaymentReminderDate
issuePaymentReminderUntil
transactionType
needConfirmation
initiatorIdentifier

GET /v1/mm/schedules HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "reminderScheduleInfoDetails": [
    {
      "reminderScheduleId": "SCH-3301",
      "scheduleName": "Rent",
      "amount": "8000.00",
      "currency": "ETB",
      "frequency": "5",
      "receiverMsisdn": "251922334455",
      "firstPaymentReminderDate": "2026-11-01",
      "issuePaymentReminderUntil": "2027-11-01",
      "transactionType": "TRANSFER",
      "needConfirmation": "true",
      "initiatorIdentifier": "251911223344"
    }
  ]
}

列出话费充值面额

GET /v1/mm/airtime/denoms openbanking

加载「买话费」面额（运营商 shortCode 与 priceId / finalPrice），供话费选择器使用。

认证方式： PIN 登录会话 X-Auth-Token。

topUpPageData
currency
customPriceId
operators
operatorName
shortCode
prices
priceId
priceDisplay
finalPrice
mode
discountDesc

GET /v1/mm/airtime/denoms HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "topUpPageData": {
    "currency": "ETB",
    "customPriceId": "CUSTOM",
    "operators": [
      {
        "operatorName": "ethio telecom",
        "shortCode": "251",
        "prices": [
          {
            "priceId": "AIR-50",
            "priceDisplay": "50.00",
            "finalPrice": "50.00",
            "mode": "0",
            "operatorShortCode": "251",
            "order": "1",
            "discountDesc": ""
          }
        ]
      }
    ]
  }
}

预下单燃油缴费

POST /v1/mm/fuel/quote openbanking

为燃油缴费报价（金额与带标签的 displayItems），供 Pay Fuel 的 PIN 确认前使用。

认证方式： PIN 登录会话 X-Auth-Token。

amount
displayItems

POST /v1/mm/fuel/quote HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Content-Type: application/json

{"initiatorMsisdn":"251911223344","amount":"1500.00","currency":"ETB"}

{
  "responseCode": "0",
  "amount": "1500.00",
  "displayItems": [
    {"label": "Station", "value": "NOC Addis"},
    {"label": "Plate", "value": "AA-3-12345"}
  ]
}

列出定时付款账单商户

GET /v1/mm/billers opendata

列出自动付款可挂靠的账单商户（代码、名称、参考号标签）。

认证方式： PIN 登录会话 X-Auth-Token。

billerItems
billerCode
billerName
referenceName

GET /v1/mm/billers HTTP/1.1
X-Auth-Token: sess-8f21c4a0
Accept: application/json

{
  "responseCode": "0",
  "billerItems": [
    {
      "billerCode": "ETHIO-TEL",
      "billerName": "ethio telecom",
      "referenceName": "Account number"
    },
    {
      "billerCode": "AAWSA",
      "billerName": "Addis water",
      "referenceName": "Customer ID"
    }
  ]
}

数据类别

余额
交易
转账
贷款
储蓄
KYC
收款码
汇率
卡片
透支
求款
定时付款
话费
燃油
账单商户

数据使用场景与案例

比尔钱包对账
夜间任务读取主钱包 amount / amountDisplay 以及 balances[] 中的 accountType、currency、balanceId，让 ERP 或代理网点把 telebirr 充值与自有账本对齐，含美元钱包。
P2P 与银行出金作业
收款平台消费转账报价中的 prepayId、feeAmount、actualAmount，在 PIN 确认后按 orderId / transId / orderStatus 入账，通过 bankShortCode / bankAccountNo / holderName 把钱包打到银行，并用 requestMoneyOrderId / payeeIdentifier / status 对齐求款单。
Mela、Sanduq 与 Endekise 贷后
信贷与储蓄合作方同步 Mela 合同的 creditLimit、loanBalance、outstandingAmount、loanDueDate，Sanduq 账户的 availableBalance、accruedInterest、maturityDate，以及透支账本上的 availableLimit / totalLimit 与 Endekise contractId / dueDate。
KYC、话费与收款码叠加
入驻与商户工具复用 CRM 的 firstName / idNumber / woreda / kebele，以及带 expiredTime 的轮换 qrCode；话费柜台拉取 operators[].prices[] 的 priceId / finalPrice，账单侧列出 billerCode / billerName，全程不保存 PIN。

常见问题

telebirr 暴露哪些钱包余额？

主比尔钱包返回 amount、amountDisplay、currency 与 unit；多币种列表再给出 balances[]，含 balanceId、accountType（MAIN / USD / 奖励）、amount，以及打开「我的余额 / 我的美元余额」的 forward。

P2P 转账如何鉴权？

PIN（或指纹）登录后应用把 token / accessToken 作为 X-Auth-Token。转出先报价拿到 prepayId、feeAmount、actualAmount，再提交加密 initiatorPin 与 pinVersion。结果含 orderId、transId、orderStatus。

接口是否覆盖 Mela 贷款和 Sanduq 储蓄？

覆盖。Mela 额度返回 creditLimit、creditScore 及产品上下限；合同列表给出 loanBalance、outstandingAmount、loanDueDate。Sanduq 账户返回 accountNo、availableBalance、accruedInterest、productRateValue 与 maturityDate。

登录后能拿到哪些身份字段？

登录嵌入 customer.msisdn、firstName、idType、idNumber、customerLevel。CRM KYC 再补 middleName、lastName、dateOfBirth、nationality、region、city、woreda、kebele 与 photo。

与 telebirr 相似的应用

CBEBirr Plus — CBEBirr Plus 是埃塞俄比亚商业银行的 CBEBirr 移动钱包联网应用，功能覆盖与 USSD 版 CBEBirr 相同的操作。
M-PESA Safaricom Ethiopia — M-PESA 是 Safaricom 埃塞俄比亚的移动钱包，运营商官网将其定位为从 Safaricom 埃塞线路发款并管理资金的应用。
AwashBIRR Pro — AwashBIRR Pro 是 Awash Bank 面向出账机构、商户和银行客户的移动钱包，可缴电费和学费、向商户付款并申请小额贷款。
Dashen Mobile — Dashen Mobile 是达什恩银行由 Amole Lite 更名而来的消费者应用，把 Amole 钱包与达什恩银行账户放在同一界面办理转账和慈善捐款。
Kacha — Kacha Digital Financial Services 是埃塞俄比亚国家银行许可的支付工具发行商，产品包括用户钱包、支付、汇入 Kacha 钱包的汇款，以及带贷款和保险的超级应用。
CoopApp — CoopApp 是奥罗米亚合作银行的官方应用，供埃塞客户办理数字银行业务，含从 COOP 账户发起的即时转账。
HellOOpass Personal — HellOOpass Personal 是 BelCash Labs 面向亚的斯亚贝巴用户的钱包应用，可查看和充值钱包、付款并查询流水。

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
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获取报价

telebirr 钱包与理财数据 API

应用截图

API 端点一览

登录并加载客户资料

读取比尔钱包余额

列出多币种钱包余额

分页钱包流水

读取交易回单明细

预下单钱包转账

执行钱包转账

列出钱包转银行出金银行

钱包转出到银行账户

读取 Mela 贷款额度

列出 Mela 贷款产品与合同

读取 Mela 贷款合同详情

列出 Sanduq 储蓄账户

钱包支出分析（日图）

签发收款二维码

读取 CRM KYC 档案

查询美元兑比尔汇率

读取已签发的 Visa PAN

读取 Endekise 透支额度

列出 Endekise 透支合同

列出求款订单

列出定时自动付款

列出话费充值面额

预下单燃油缴费

列出定时付款账单商户

数据类别

数据使用场景与案例

比尔钱包对账

P2P 与银行出金作业

Mela、Sanduq 与 Endekise 贷后

KYC、话费与收款码叠加

常见问题

相关应用

与 telebirr 相似的应用

更多支付类应用

CashBook - Balance & Expense

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HP PAY

IndianOil ONE

相关主题

需要集成这个 App 的数据 API？