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SDONG API INTEGRATION GUIDE
VAY TIN NHANH ONLINE DATA ACCESS FOR VIETNAM LENDING
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INTRODUCTION
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Sdong (package vm.sdong.app.loan) is one of Vietnam's fast-growing
online consumer-lending apps, offering unsecured loans from
400,000 to 50,000,000 VND over a 91-180 day term with an APR
capped at 26% a year. Behind every approved application sits a
structured loan file — credit limit, contract terms, day-by-day
repayment schedule and disbursement record — held server-side
behind a phone-OTP login.
For banks, BNPL platforms, personal-finance apps and servicing
desks, that loan file is exactly the kind of structured data
worth integrating. This guide covers what a Sdong loan-data API
integration supports, where it applies, and why teams choose an
authorized, consent-based route instead of building from scratch.
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SUPPORTED API FEATURES
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Credit limit and loan-status sync — current and historical,
separating active loans from settled ones
Loan-terms retrieval — principal, term in days, APR per
accepted contract
Repayment-schedule and balance access — installment and
accrued interest at day-level granularity
Disbursement-record reads — payout amount, timestamp and
destination bank account
Repayment-behaviour signal — on-time payment history usable
for internal scoring or repeat-borrower pricing
OTP-to-token authentication mapping — login flow, token
refresh and device-binding behaviour documented for reliable
automated sync
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USE CASES & APPLICATIONS
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[1] Credit risk & underwriting
Check a borrower's outstanding Sdong obligations before a
bank or BNPL partner extends further credit
Feed active-loan exposure into an affordability model
Separate settled loans from active ones during onboarding
[2] Personal finance aggregation
Show a user their Sdong repayment schedule alongside their
bank balances in one dashboard
Surface upcoming due dates and accrued interest in-app
Combine multiple lender ledgers into a single net-worth view
[3] Servicing & collections reconciliation
Match Sdong disbursement records against incoming bank
credits
Confirm funding reached the nominated account
Flag mismatches between the loan ledger and bank statements
[4] Credit scoring & re-pricing
Use repayment-behaviour signals to build an internal score
Identify repeat borrowers eligible for lower next-loan rates
Track delinquency risk from the schedule feed
[5] Open banking & compliance reporting
Confirm the cash side of a loan via the SBV Circular 64
open-API path as banks publish their catalogues
Maintain consent logs and access records aligned with
Vietnam's Personal Data Protection Law
Support audit-ready interface documentation for regulators
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BENEFITS & ADVANTAGES
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Structured access to limit, terms, schedule and disbursement
data instead of manual screenshot review
Interest figures reconciled to the dong using Sdong's own
day-count formula
Consent-based design — borrower authorization scoped to the
fields actually needed
Identity data stays untouched — KYC status read only, raw
ID documents never handled
Built-in resilience to frequent app releases via
signature-diff monitoring
Works alongside the Circular 64 open-API path for
independent bank-side confirmation
Delivered as runnable source (Python/Node.js) with tests,
not just a findings report
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SUBSCRIPTION PLANS
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Two ways to consume the integration:
Source-code delivery — starts at $300, paid after delivery
once the build works as described; includes OpenAPI spec,
runnable endpoints, automated tests and interface docs
Hosted / pay-per-call — call the studio's own endpoints with
no upfront cost, billed per call
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CONCLUSION
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A Sdong loan file is compact but valuable: limit, term,
repayment schedule and disbursement, all reachable through an
authorized, consent-based integration rather than guesswork.
Whether the goal is underwriting, aggregation, collections, or
open-API bank confirmation under Circular 64, a properly scoped
integration turns that data into something usable in days, not
months.
Ready to scope a Sdong integration for your use case? Start
here: https://openbankingstudio.com/sdong-vay-tin-nhanh-online.html
