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สินเชื่ออีซี่ API INTEGRATION GUIDE
Reaching the Picolink Easy Loan Ledger the Consented Way
============================
INTRODUCTION
--------------------
สินเชื่ออีซี่ (Picolink Easy Loan) is a Thai pico-finance lending
app operated by Pico Link Company Limited, offering credit lines
between 5,000 and 50,000 baht with daily interest accrual on the
drawn balance. For fintech teams, lending marketplaces, and
personal-finance platforms, integrating with สินเชื่ออีซี่ means
gaining structured, near real-time access to a borrower's credit
line, repayment schedule, KYC status, and transaction history —
all currently locked behind an OTP-gated mobile session.
This guide explains what API-style access to Picolink Easy Loan
data supports, where it fits in real-world lending workflows, and
why a consent-based, PDPA-aligned integration is the reliable path
to that data today — ahead of Thailand's Bank of Thailand "Your
Data" framework going fully live.
Reference / access point:
https://openbankingstudio.com/สนเชออซ.html
============================
SUPPORTED API FEATURES
============================
• Credit-line state retrieval — approved limit, available
limit, and currently drawn balance, refreshed near real-time
• Repayment schedule access — per-installment due dates,
principal/interest split, and day-by-day payoff amounts
• Daily interest accrual reconstruction — reproduces the
lender's day-count method (APR ÷ 365 × days) capped at the
stated 35.8% annual rate
• KYC & identity data — Thai ID card verification and
phone/OTP-based borrower identity signals
• Transaction & disbursement history — bank-transfer,
QR, and barcode-based disbursement and repayment events
• Application status tracking — submitted, under review,
approved states for funnel and decisioning use
• PDPA-consented, session-based access — built around the
borrower's own authenticated session rather than a public API
------------------------------
USE CASES & APPLICATIONS
------------------------------
[1] Lending Marketplaces & Credit Aggregators
• Verify a borrower's existing สินเชื่ออีซี่ exposure before
extending an additional loan offer
• Cross-check drawn balance against declared income for
affordability screening
• Reduce over-lending risk across multiple pico-finance apps
[2] Personal Finance & Money Management Apps
• Display a unified view of drawn balance and next due date
alongside other bank and lending accounts
• Aggregate multiple Thai loan apps into a single dashboard
• Track daily-accruing interest cost in real time for users
[3] Collections & Repayment Reminder Services
• Read the repayment schedule to trigger reminders before a
payoff date slips
• Automate nudges based on installment due dates
• Reduce late-payment rates through proactive outreach
[4] Accounting & Reconciliation Tools
• Match disbursement-in and repayment-out events against a
borrower's bank statement
• Reconcile cash legs via Thailand's dStatement digital
statement exchange
• Automate bookkeeping for borrowers managing multiple loans
[5] Credit Risk & Underwriting Platforms
• Pull live credit-line and drawn-balance data as an input
to underwriting models
• Combine KYC data with repayment history for risk scoring
• Monitor application status across the borrower's lending
relationships
============================
BENEFITS & ADVANTAGES
============================
✓ Near real-time visibility into credit line and drawn balance
✓ Accurate payoff figures via reconstructed daily-accrual logic
✓ PDPA-aligned, consent-based access — no scraping of
non-consented accounts
✓ Structured repayment schedule data ready for automation
✓ Designed to migrate smoothly toward Bank of Thailand's
"Your Data" framework as it rolls out
✓ Maintained against frequent app version changes, so field
mappings stay current
✓ Delivered as runnable source code or a hosted API — flexible
to your infrastructure
------------
SUBSCRIPTION PLANS
------------
Access to สินเชื่ออีซี่ integration is offered in two forms:
[A] Source-Code Delivery — starting from $300
Runnable API source (Python or Node.js), OpenAPI/Swagger
specification, protocol report, and PDPA-aligned
documentation. Payment due only after delivery.
[B] Hosted API — pay-per-call
No upfront fee. Call a hosted endpoint directly and pay
per request, with maintenance and field-mapping updates
handled on the provider side.
Typical build turnaround: one to two weeks.
============================
CONCLUSION
============================
สินเชื่ออีซี่'s credit-line, repayment, and KYC data represent a
genuinely valuable signal for lending marketplaces, personal
finance apps, and collections platforms operating in Thailand's
pico-finance space — but that data lives entirely behind an
OTP-gated session, not a public API. A consent-backed interface
integration, reconciled against daily-accrual interest logic and
built to PDPA data-minimization standards, is the dependable way
to reach it today, with a clear path onto Thailand's "Your Data"
rail as it matures.
If your platform needs structured access to สินเชื่ออีซี่ loan
data — credit line, repayment schedule, or transaction history —
start a scoped, consented integration now.
------------------------------
Visit: https://openbankingstudio.com/สนเชออซ.html
------------------------------
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last updateTime: 2026-07-07 02:13:44b
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