Thangamayil DigiGold — OpenFinance API Integration & Protocol Analysis

OpenData-based price quotes, savings plans, transactions and redemption API integration with compliant delivery & runnable source code

Starting price $300 · Enterprise SLA negotiable
OpenData · OpenFinance · Protocol Analysis · Gold Price & Settlements

Securely connect DigiGold savings, redemption and trading capabilities to your system

We provide protocol analysis and authorization implementation for Thangamayil DigiGold savings products (DigiGold / SuperGold / Thangamal / FuturePlus), delivering runnable API source code and complete documentation, including savings, redemption and reconciliation automation, integrated with payment gateways.

Real-time Gold Price & Valuation — Retrieve market prices, compute user holdings value and maturity value, support multi-currency and percentile precision.
Savings Plan Management — Add/manage recurring savings (daily/weekly/monthly), partial/full redemption, view cumulative weight and discount benefits.
Payments & Gateway Integration — Integrate common payment channels (UPI, cards, wallets, online banking) and third-party payment gateways, with webhook callbacks and retry mechanisms.
Reconciliation & Exports — Transaction streams, deposit confirmations, redemption settlements and Journal exports (JSON/CSV/Excel/PDF).
Get a Quote View Deliverables

What We Deliver (Examples)

Standard Deliverables

  • OpenAPI / Swagger interface specifications and example requests/responses
  • Protocol and authorization chain analysis report (including PSD2 / SCA / OAuth 2.0)
  • Runnable source code (Node.js / Python / Go optionally) + Docker Compose deployment example
  • Automated tests, integration tests and acceptance test cases
  • Compliance guidance and data minimization strategies (GDPR / local tax export considerations)

API Example: Join Savings Plan (pseudo-code)

POST /api/v1/digigold/savings/join
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "user_id": "user_12345",
  "scheme": "DigiGold",
  "amount": 250.00,
  "frequency": "DAILY",
  "payment_method": "PAY_GATEWAY_X",
  "payment_reference": "PGX_REF_98765"
}

Response 201 Created
{
  "status":"ACCEPTED",
  "subscription_id":"sub_20251108_0001",
  "next_debit_date":"2025-11-09",
  "gold_weight_credited":0.00423
}

Typical Integration Scenarios

Supports real-time gold price aggregation, subscriptions and bulk deductions, payment gateway callbacks, redemption settlements (in-store/online), offline inventory and in-store redemption, and tax report exports with user notifications.

Core Benefits

  • Security & audit logging designed for financial-grade environments
  • Plug-in gold price data sources with fallback strategies
  • Comprehensive reconciliation and compensation mechanisms to reduce manual intervention
  • SDKs in multiple languages (Python / Node / Go)
  • Compliance-first: data minimization, KYC/AML guidance

API Integration Guide (Quick Start)

  1. Provide target scenario(s): e.g., "periodic savings integrated with payment gateway A, redemption to store B".
  2. We perform protocol and authorization analysis: identify login, token, callbacks, and idempotency keys (2-5 business days).
  3. Deliver runnable microservices (including OpenAPI) with local deployment instructions (3-8 business days).
  4. Complete integration testing & acceptance: payments gateway / store POS / backend accounting end-to-end testing and acceptance (1-3 business days).
  5. Deliver user manuals, API docs, test cases, and 30 days of technical support.

Example required information: target App name, required interfaces (deposits, withdrawals, transaction history, redemption), available test credentials or sandbox account.

Our Studio

We are a technology studio focused on mobile app protocol analysis and compliant API integration. Our core team has many years of experience in banking, payments gateways and cloud services, delivering compliant, maintainable OpenFinance/OpenBanking solutions for global clients.

  • Supports Android & iOS protocol analysis and implementation
  • OpenAPI, SDKs, automated tests and deployment scripts
  • Supports multiple payment gateways and mobile wallets integration
  • Transparent pricing: starting at $300, with milestone-based payments

Contact

Ready to start? Submit the target App name and requirements via our contact page for a quick assessment and quote.

Visit Contacts / Submit Request

📦 Original App Full Text (Thangamayil DigiGold) 
Thangamayil Digigold is the digital home of Thangamayil Jewellery.
The ideal place to join a savings scheme and save up to buy your dream jewellery conveniently in the palm of your hand. You can join and pay into any of the Schemes of Thangamayil Jewellery. Start Saving in Gold today.
Traditionally everyone saves and invests in Gold Jewellery, both as an ornament and as an asset. But with rising price of Gold, lakhs of customers of Thangamayil have used various micro savings schemes to help them accrue savings to buy their dream gold jewellery. Grow your wealth by investing in Gold – the historic store of value - the best instrument for savings, giving you assured appreciation of value.
Currently offering 4 savings schemes to save up to buy any Gold Coin, Gold Jewellery from Thangamayil Jewellery.

DigiGold
Digigold gives you the Freedom to save daily, weekly, or monthly – even multiple times a day. It is Flexible to save as much as you can starting from just Rs.100, varying your savings each time. It is Easy – just a few clicks and you have saved Gold at prevailing market rates. It is Convenient, as it is fully integrated with various payment gateways, enabling you to save from wherever you are.
SuperGold
SuperGold is a monthly savings scheme with a tenure of 330 days (11 installments) with benefit of getting up to 75% Discount on VA (Wastage + Making Charges) on Gold Jewellery and 60% Discount on VA for Diamond Studded Gold Jewellery and JewelOne Jewellery. Subject to full payment of all installments on time and redemption after 330 days. User gets credited as Gold weight as per prevailing rates on dates of payment in your Account and can be redeemed after maturity for weight saved with above benefits.
Thangamagal
Thangamal is a fixed monthly savings scheme with a tenure of 330 days (11 installments) with benefit of getting up to 75% Discount on VA (Wastage + Making Charges) on Gold Jewellery and 60% Discount on VA for Diamond Studded Gold Jewellery and JewelOne Jewellery. Subject to full payment of all installments on time and redemption after 330 days. User gets credited as Amount in your Account and can be redeemed after maturity for amount saved.
FuturePlus
SuperGold is a one-time savings scheme with a tenure of 330 days with benefit of getting 75% Discount on VA (Wastage + Making Charges) on Gold Jewellery on Gold Jewellery and 60% Discount on VA for Diamond Studded Gold Jewellery and JewelOne Jewellery – subject to redemption after 330 days.
Just download the app, register, and start saving.
Redeem conveniently at a Thangamayil Showroom near you (62 showrooms in Tamil Nadu – and growing) or buy Gold Jewellery or Gold Coins from www.thangamayil.com
While there are many apps to buy and sell gold online, Thangamayil Digigold is the only app that gives you all the flexibility while also giving you up to 5% benefits for your savings and other benefits enumerated. Save whenever possible and grow your wealth.
Save using the Thangamayil DigiGold app and buy Gold Jewellery from Thangamayil – a brand trusted for over 75 years. Thangamayil Jewellery Limited, with its Registered Office in Madurai, Tamilnadu, is the Leading Gold Jewellery Retailer in Tamilnadu with 62 Showrooms and trusted by over 25lakh customers.
Contact: 1800 889 7080 (10 AM - 7 PM IST)
digigoldsupport@thangamayil.com | https://www.thangamayil.com