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Cleva App Integration Guide
Sync USD, card and stablecoin ledgers from Cleva into your own systems
============================
INTRODUCTION
--------------------
For any fintech team, payroll platform or treasury desk that needs to reach diaspora
USD account data programmatically, Cleva App represents one of the most data-rich
targets in the African open-banking corridor. A single Cleva account can hold a
dedicated US-dollar balance funded by ACH and wire, a Nigerian Naira balance, a
virtual USD card, and a USDT or USDC stablecoin wallet — four distinct rails under
one authenticated session.
With more than 700,000 users sending money across US-to-Nigeria, Ghana and Uganda
corridors, the volume of structured financial data Cleva generates is substantial.
Yet that data sits server-side, behind a PIN-gated session, not in any local file on
the device. Reaching it requires a mapped integration route rather than a simple
export. This guide covers exactly what the Cleva App integration surface looks like,
which API features are accessible, and where teams are already deploying this data.
The full integration brief, source-code delivery options and engagement details are
published at https://openfinance-lab.com/cleva-app.html — the reference page this
article is based on.
============================
SUPPORTED API FEATURES
--------------------
The Cleva integration surface covers the following data domains, all confirmed
against a live consenting account during protocol analysis:
• USD Account reads — dedicated ACH and wire-enabled account with per-credit
entries, account identifiers and timestamped balance snapshots
• Naira Account reads — NGN balance, payout records to Nigerian banks,
destination bank details and settlement status per transaction
• Virtual USD Card activity — card state, available balance and itemized
transaction line items for online and subscription spend
• Stablecoin wallet receipts — USDT and USDC inflows with asset type, amount,
on-chain receipt reference and credited timestamp
• Cross-border transfer records — recipient details, corridor, amount sent,
FX rate applied and delivery state per payout leg
• Currency conversion ledger — from/to currency pairs, rate applied, fee
charged and execution timestamp for each in-app conversion
• Cleva Points and referral attribution — loyalty points balance, accrual
events per transaction and redemption records showing cash-out to USD
• KYC profile state — verification tier, account provisioning status, and
identity confirmation gating without storing restricted identity fields
The integration also handles the two-factor authentication layer: Cleva supports an
optional TOTP code from Google Authenticator, Microsoft Authenticator or 1Password
alongside its login PIN, and a production-grade session handler carries both steps.
============================
USE CASES & APPLICATIONS
--------------------
[1] FREELANCER PLATFORM PAYMENT RECONCILIATION
• Match USD payouts landing in client Cleva accounts against issued invoices
• Automate ACH and wire credit matching without manual statement uploads
• Track payment timing per corridor and flag overdue receivables automatically
• Feed confirmed credits directly into accounts-receivable ledgers
[2] ACCOUNTING AND BOOKKEEPING INTEGRATION
• Pull card spend and USD credits as structured ledger lines in real time
• Eliminate manual CSV exports for monthly period-close reconciliation
• Normalize virtual-card transactions alongside fiat credits in one schema
• Cross-check downloaded statements against live reads as an independent audit
[3] TREASURY AND STABLECOIN DASHBOARD
• Track USDT and USDC inflows alongside fiat USD balance in a single view
• Map conversion legs so a stablecoin-to-USD swap is not double-counted
• Monitor effective FX cost per conversion event over rolling periods
• Feed multi-currency holdings data into treasury management systems
[4] REMITTANCE ANALYTICS AND CORRIDOR INTELLIGENCE
• Measure effective FX rate and delivery time per corridor per transaction
• Compare Nigeria, Ghana and Uganda corridor performance side by side
• Build per-user remittance cost models from transfer fee and rate data
• Audit payout delivery state and flag corridors with elevated failure rates
[5] COMPLIANCE AND KYC GATING FOR DOWNSTREAM SERVICES
• Gate downstream product actions on a verified Cleva account state
• Use KYC tier data to automate onboarding eligibility checks
• Log consent capture and revocation events for NDPA audit trails
• Normalize identity verification state without storing restricted BVN fields
============================
BENEFITS & ADVANTAGES
--------------------
✓ Multi-rail coverage in a single session
One authenticated call sequence reaches USD, Naira, card and stablecoin data
simultaneously — no separate integrations per balance type required.
✓ 2FA-safe session handling
The integration carries both the PIN first factor and the TOTP second factor,
so accounts with Google Authenticator or 1Password enabled keep syncing
without manual intervention.
✓ Regulatory alignment from day one
The build follows CBN Open Banking consent-first principles and NDPA 2023
data minimization requirements. BVN and document images are never retained;
verification state is the only identity field carried downstream.
✓ Three access routes with documented fallback
Authorized interface analysis, formalized consent-based credential access and
statement-export parsing are all mapped. Teams can run the live route and keep
the statement parser as an independent cross-check on the numbers.
✓ Pre-KYC and verified account states handled explicitly
The integration models both account states so an unprovisioned account returns
a clean status rather than an error that breaks a downstream pipeline.
✓ Unified ledger schema across asset classes
USD, Naira, virtual-card and stablecoin balances are normalized into one
tagged ledger so currency conversions between them are never double-counted
in reconciliation.
✓ Rapid turnaround with satisfaction-gated pricing
Source-code delivery starts at $300 with a one-to-two week cycle. Payment
is due after delivery and confirmation of working code — not upfront. A
pay-per-call hosted API option is also available with no upfront fee.
============================
SUBSCRIPTION PLANS
--------------------
OpenBanking Studio offers two engagement models for the Cleva integration:
Source delivery
------------
• One-time fee from $300
• Receive: runnable Python and Node.js source, OpenAPI spec, automated tests,
auth-flow report, compliance notes
• Pay after delivery and satisfaction confirmation
• You own and operate the code
Hosted API / pay-per-call
------------
• No upfront fee
• Access balance, transfer, card and stablecoin reads via hosted endpoints
• Billing tied to actual call volume
• Suitable for teams that want integration without infrastructure overhead
Both options include a one-to-two week delivery cycle. The consenting account,
sandbox access and compliance paperwork are arranged during onboarding — not
required from the client upfront.
============================
CONCLUSION
--------------------
Cleva App sits at an unusually data-rich intersection: a FinCEN-registered US Money
Service Business and CBN-licensed IMTO serving the African diaspora, with four
distinct financial rails — USD, Naira, virtual card and stablecoin — all accessible
through one authenticated session. For any team building payroll reconciliation,
treasury dashboards, accounting integrations or remittance analytics across Nigeria,
Ghana or Uganda corridors, this is the integration that unlocks structured financial
data that would otherwise require manual exports and spreadsheet maintenance.
The integration surface is real, mapped against live accounts, and delivered with
runnable code, documented compliance notes and automated tests that catch field
changes before they reach your data.
For the full technical brief, worked authentication examples, data domain reference
table, and engagement options, visit:
https://openfinance-lab.com/cleva-app.html
--------------------
Related integrations in the same diaspora-payments category:
Grey · LemFi · Raenest · Juicyway · Monieworld · Afriex · Chipper Cash · Leatherback
============================
Published by OpenBanking Studio · Integration desk · May 2026
Cleva App is named as the independent third-party subject of this brief.
OpenBanking Studio is not affiliated with Cleva.
============================
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last updateTime: 2026-05-21 00:33:05b
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