Analytics JSON - Moneyone FinPro

Error

A valid request URL is required to generate request examples

{
  "ver": "1.21.0",
  "status": "success",
  "data": {
    "status": "SUCCESS",
    "message": "Success",
    "status_code": "success",
    "transaction_id": "4aeb3514-ca16-4bfe-9233-ec165292b6c2",
    "journey_transaction_id": "EQ.GT.7af207ef-5b08-484e-a63f-045777ee322f#orchestration_complete_analytics_json_v1#363efd17e49b47f29847ba08c5413bd7",
    "journey_id": "orchestration_complete_analytics_json_v1",
    "data": {
      "bankingAnalysis": {
        "overallAnalysis": {
          "totalNetDebitTransactionAmount": 30175.44,
          "totalNetCreditTransactionAmount": 21918.66,
          "averageBalanceLast3Months": 43634.46,
          "maximumBalance": 11046.26,
          "minimumEodBalance": 39366.54,
          "volatilityOfBalance": 0.13,
          "monthlyAvgNetCreditAmount": 3131.24,
          "totalOutwardUpiAmount": 29698.38,
          "totalLoanCreditAmount": 0,
          "totalCashDepositAmount": 0,
          "totalEmiTxns": 0,
          "bankPenaltiesDetected": false
        },
        "completeCategoryWiseAnalysis": {},
        "accountProfiles": [],
        "fcuIndicators": {},
        "bounceAnalysis": {},
        "investmentAnalysis": {},
        "loanCreditsAnalysis": {},
        "nudges": {},
        "abbTables": {},
        "paymentTypeAnalytics": {}
      },
      "rawData": {}
    }
  }
}

{
  "ver": "1.21.0",
  "timestamp": "2025-10-01T11:49:28.920Z",
  "errorCode": "InvalidRequest",
  "errorMsg": "Invalid consent ID or journey ID",
  "status": "FP0001"
}

{
  "ver": "<string>",
  "timestamp": "2023-11-07T05:31:56Z",
  "errorCode": "<string>",
  "errorMsg": "<string>",
  "status": "<string>"
}

POST

analytics

json

Error

A valid request URL is required to generate request examples

{
  "ver": "1.21.0",
  "status": "success",
  "data": {
    "status": "SUCCESS",
    "message": "Success",
    "status_code": "success",
    "transaction_id": "4aeb3514-ca16-4bfe-9233-ec165292b6c2",
    "journey_transaction_id": "EQ.GT.7af207ef-5b08-484e-a63f-045777ee322f#orchestration_complete_analytics_json_v1#363efd17e49b47f29847ba08c5413bd7",
    "journey_id": "orchestration_complete_analytics_json_v1",
    "data": {
      "bankingAnalysis": {
        "overallAnalysis": {
          "totalNetDebitTransactionAmount": 30175.44,
          "totalNetCreditTransactionAmount": 21918.66,
          "averageBalanceLast3Months": 43634.46,
          "maximumBalance": 11046.26,
          "minimumEodBalance": 39366.54,
          "volatilityOfBalance": 0.13,
          "monthlyAvgNetCreditAmount": 3131.24,
          "totalOutwardUpiAmount": 29698.38,
          "totalLoanCreditAmount": 0,
          "totalCashDepositAmount": 0,
          "totalEmiTxns": 0,
          "bankPenaltiesDetected": false
        },
        "completeCategoryWiseAnalysis": {},
        "accountProfiles": [],
        "fcuIndicators": {},
        "bounceAnalysis": {},
        "investmentAnalysis": {},
        "loanCreditsAnalysis": {},
        "nudges": {},
        "abbTables": {},
        "paymentTypeAnalytics": {}
      },
      "rawData": {}
    }
  }
}

{
  "ver": "1.21.0",
  "timestamp": "2025-10-01T11:49:28.920Z",
  "errorCode": "InvalidRequest",
  "errorMsg": "Invalid consent ID or journey ID",
  "status": "FP0001"
}

{
  "ver": "<string>",
  "timestamp": "2023-11-07T05:31:56Z",
  "errorCode": "<string>",
  "errorMsg": "<string>",
  "status": "<string>"
}

Overview

The Analytics JSON API allows you to retrieve analytics and insights data in JSON format for a specific consent journey. This API provides processed analytical data based on the financial information collected through the Account Aggregator framework.

Key Use Cases

Journey Analytics: Retrieve analytics data associated with a specific consent journey.
Consent-Level Insights: Get analytical insights tied to a particular consent ID.
JSON Format: Receive structured analytics data in JSON format for easy integration.

Important Notes

The consent journey must be completed before calling this API.
Both consentID and journeyID are required to identify the specific analytics dataset.

Authentication

This API requires authentication using the following headers:

client_id

string

required

Your unique client identifier provided by FinPro during onboarding. This ID is used to authenticate your application.

client_secret

string

required

Your confidential client secret key provided by FinPro. This must be kept secure and never exposed in client-side code.

appIdentifier

string

required

The unique identifier for your application (e.g., your application’s package name or bundle ID). This helps FinPro identify which application is making the request.

organisationId

string

required

Your organization’s unique identifier assigned by FinPro. This identifies your organization in the FinPro system.

content-Type

string

required

Must be set to application/json to indicate that the request body contains JSON data and that the response will be in JSON format.

Request Body

The unique consent identifier provided by the Account Aggregator after consent approval. This must be a valid consent ID.

journeyID

string

required

The unique journey identifier associated with the consent flow. This identifies the specific journey for which analytics data is requested.

Request Example

{
  "consentID": "84001bb6-b1d0-4443-aeff-dd482255a058",
  "journeyID": "journey-12345-abcde"
}

Response

Success Response Example

The response contains comprehensive banking analytics data. Below is a trimmed example showing the key structure — the actual response includes many more categories and analysis sections.

{
  "ver": "1.21.0",
  "status": "success",
  "data": {
    "status": "SUCCESS",
    "message": "Success",
    "status_code": "success",
    "transaction_id": "4aeb3514-ca16-4bfe-9233-ec165292b6c2",
    "journey_transaction_id": "EQ.GT.7af207ef-5b08-484e-a63f-045777ee322f#orchestration_complete_analytics_json_v1#363efd17e49b47f29847ba08c5413bd7",
    "journey_id": "orchestration_complete_analytics_json_v1",
    "data": {
      "bankingAnalysis": {
        "overallAnalysis": {
          "totalNetDebitTransactionAmount": 30175.44,
          "totalNetCreditTransactionAmount": 21918.66,
          "averageBalanceLast3Months": 43634.46,
          "maximumBalance": 11046.26,
          "minimumEodBalance": 39366.54,
          "volatilityOfBalance": 0.13,
          "monthlyAvgNetCreditAmount": 3131.24,
          "totalOutwardUpiAmount": 29698.38,
          "totalLoanCreditAmount": 0,
          "totalCashDepositAmount": 0,
          "totalEmiTxns": 0,
          "bankPenaltiesDetected": false,
          "weeklyAnalytics": [
            {
              "week": 4,
              "year": 2025,
              "month": 8,
              "totalCreditAmount": 116.64,
              "totalDebitAmount": 0,
              "totalCreditTxn": 6,
              "totalDebitTxn": 0,
              "avgBalance": 52064.52,
              "closingBalance": 52161.72,
              "surplusAmount": 116.64
            }
          ]
        },
        "completeCategoryWiseAnalysis": {
          "overallCategoryWiseAnalysis": {
            "Transfer in": {
              "categoryCode": "TRANSFER_IN",
              "totalTransactions": 60,
              "totalCreditAmount": 21918.66,
              "totalDebitAmount": 0,
              "avgCreditAmount": 365.31,
              "avgMonthlyCredit": 3131.24,
              "last6MonthAvgCreditAmount": 3131.24,
              "volatilityCredit": 1.04,
              "maximumCreditAmount": 979.46,
              "minimumCreditAmount": 6.28
            },
            "Transfer out": {
              "categoryCode": "TRANSFER_OUT",
              "totalTransactions": 4,
              "totalCreditAmount": 0,
              "totalDebitAmount": 477.06,
              "avgDebitAmount": 119.27,
              "avgMonthlyDebit": 68.15,
              "last6MonthAvgDebitAmount": 68.15,
              "volatilityDebit": 2.25,
              "maximumDebitAmount": 400,
              "minimumDebitAmount": 2.36
            }
          },
          "monthlyCategoryWiseAnalysis": {
            "Transfer in": [
              {
                "month": 9,
                "year": 2025,
                "totalCreditAmount": 2653.72,
                "totalDebitAmount": 0,
                "totalCreditTxn": 10,
                "totalDebitTxn": 0
              }
            ]
          }
        },
        "accountProfiles": [
          {
            "summary": {
              "Status": "ACTIVE",
              "CurrentBalance": 7272.41,
              "AccountType": "SAVINGS",
              "Currency": "INR",
              "ifsc": "FNSB0004920",
              "branch": "Jayanagar 4th Block",
              "openingDate": "2017-10-23",
              "accountVintageInMonths": 102,
              "transactionStartDate": "2025-08-23",
              "transactionEndDate": "2026-02-23"
            },
            "holders": {
              "holder": {
                "name": "John Doe",
                "dob": "1990-01-01",
                "pan": "ABCDE1234F",
                "mobile": "9876543210",
                "email": "john.doe@example.com"
              }
            }
          }
        ],
        "fcuIndicators": { },
        "bounceAnalysis": { },
        "accountWiseAnalysis": { },
        "investmentAnalysis": { },
        "loanCreditsAnalysis": { },
        "counterPartyAnalysis": { },
        "nudges": { },
        "abbTables": { },
        "top5FundTransfer": { },
        "frequentCredits": { },
        "frequentDebits": { },
        "paymentTypeAnalytics": { }
      },
      "rawData": { }
    }
  }
}

The actual response is significantly larger and includes detailed breakdowns across 50+ transaction categories, account-wise analysis, monthly trends, EMI analytics, fraud/FCU indicators, and more. The example above is trimmed to illustrate the key structure.

Response Structure

Field	Type	Description
`ver`	string	API version
`status`	string	Overall response status (`success` or `failure`)
`data.status`	string	Processing status (`SUCCESS`)
`data.transaction_id`	string	Unique transaction identifier
`data.journey_id`	string	Journey identifier used for the analytics
`data.data.bankingAnalysis`	object	Contains all banking analytics sections
`data.data.bankingAnalysis.overallAnalysis`	object	Aggregate metrics — balances, credit/debit totals, volatility, weekly analytics
`data.data.bankingAnalysis.completeCategoryWiseAnalysis`	object	Transaction analysis broken down by 50+ categories (e.g., Transfer in, UPI, Salary, EMI)
`data.data.bankingAnalysis.accountProfiles`	array	Account holder details, balances, and account metadata
`data.data.bankingAnalysis.fcuIndicators`	object	Fraud and risk indicators
`data.data.bankingAnalysis.bounceAnalysis`	object	Cheque and ECS bounce analysis
`data.data.bankingAnalysis.investmentAnalysis`	object	Investment-related transaction analysis
`data.data.bankingAnalysis.loanCreditsAnalysis`	object	Loan credit transaction analysis
`data.data.bankingAnalysis.nudges`	object	Behavioural insights and nudges
`data.data.bankingAnalysis.abbTables`	object	Average bank balance tables
`data.data.rawData`	object	Raw financial data used to generate the analytics

Code Examples

curl --location --request POST '{{Base_URL}}/analytics/json' \
--header 'client_id: {{Client_Id}}' \
--header 'client_secret: {{Client_Secret}}' \
--header 'organisationId: {{Organisation_Id}}' \
--header 'appIdentifier: {{App_Identifier}}' \
--header 'Content-Type: application/json' \
--data-raw '{
    "consentID": "84001bb6-b1d0-4443-aeff-dd482255a058",
    "journeyID": "journey-12345-abcde"
}'

const response = await fetch('{{Base_URL}}/analytics/json', {
  method: 'POST',
  headers: {
    'client_id': '{{Client_Id}}',
    'client_secret': '{{Client_Secret}}',
    'organisationId': '{{Organisation_Id}}',
    'appIdentifier': '{{App_Identifier}}',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    consentID: '84001bb6-b1d0-4443-aeff-dd482255a058',
    journeyID: 'journey-12345-abcde'
  })
});

const data = await response.json();
console.log(data);

import requests

url = "{{Base_URL}}/analytics/json"

headers = {
    "client_id": "{{Client_Id}}",
    "client_secret": "{{Client_Secret}}",
    "organisationId": "{{Organisation_Id}}",
    "appIdentifier": "{{App_Identifier}}",
    "Content-Type": "application/json"
}

payload = {
    "consentID": "84001bb6-b1d0-4443-aeff-dd482255a058",
    "journeyID": "journey-12345-abcde"
}

response = requests.post(url, json=payload, headers=headers)
print(response.json())

Authorizations

client_id

string

header

required

Your unique client identifier provided by MoneyOne during FIU onboarding

client_secret

string

header

required

Your confidential client secret provided by MoneyOne

organisationId

string

header

required

Your organization's unique identifier in the FinPro system

appIdentifier

string

header

required

Application-specific identifier for tracking API calls

Body

application/json

Request body for retrieving analytics data in JSON format.

The unique consent identifier provided by the Account Aggregator after consent approval.

Example:

"84001bb6-b1d0-4443-aeff-dd482255a058"

journeyID

string

required

The unique journey identifier associated with the consent flow.

Example:

"journey-12345-abcde"

Response

Analytics data retrieved successfully

Response containing analytics data for a consent journey.

ver

string

API version that processed the request.

Example:

"1.21.0"

status

string

Overall API call status.

Example:

"success"

data

object

Analytics response payload.

Show child attributes

Check Profile Analytics Excel

​Overview

​Key Use Cases

​Important Notes

​Authentication

​Request Body

​Request Example

​Response

​Success Response Example

​Response Structure

​Code Examples

Authorizations

Body

Response

Overview

Key Use Cases

Important Notes

Authentication

Request Body

Request Example

Response

Success Response Example

Response Structure

Code Examples