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In this section, you will learn how Belvo works and the main API concepts to help you start accessing financial information from your end users.

What is Belvo?

Belvo is an open finance API for Latin America that allows companies to securely access different type of information through our products:

Banking with information like account statements, real time balance, historical transactions and account owner identification
Fiscal with information like received and sent invoices and tax returns
Gig economy with information like trips, real time balance and full details on the gig driver

We are currently supporting most of the banks in latin america along with tax authorities and top gig economy apps.

Through our products, developers can access customer information like:

Bank information:
- Bank account statements
- Historical bank transactions and balances
- Bank account owner identification
- Insights about the income
Tax information:
- Invoices sent and received by a person or a business that have been certified by the tax administration
- Tax returns sent every year by a person or a business to the tax administration
- Tax status - Constancia de situación fiscal - with all information about the tax situation of a person or a business on the tax authority in the country
Gig information:
- Historical trips done by a driver and balances

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2 * Driver account owner identification

How is Belvo working?

By implementing Belvo, your users will be able to connect their bank, tax or gig accounts to your app in just seconds.

To create this connection, your users will have to share their online credentials with Belvo. We encrypt these credentials as soon as we receive them and we always use them to access the accounts in read only mode.

As soon as the link is created between your app and your user's bank or tax authority, you will be able to pull financial data: owned accounts, real time accounts balance, ownership information, transaction history and certified invoices.

What can I access with Belvo?

Banking

Using our Banking product, you can access the following financial data:

Resource	Detail	Examples
Bank Accounts	Get all information about your customer bank accounts, including: `account_type`, `name`, `account_number`, `currency`, `balance`.	Account model
Bank Transactions	Get a list of bank transactions with all meta data, including: `collect date`, `amount`, `currency`, `balance`, `type`, `description`, `status`.	Transaction model
Bank Owners	Get full detail of a bank account owner, including: `first_name`, `last_name`, `email`, `phone`.	Owner model
Bank Balances	Get the balance of your customer bank accounts at any given time in the past.	Balance model
Income Insignts	Get insights on the income of a user through its bank accounts.	Income model

Fiscal

Using our Fiscal product, you can access the following financial data:

Resource	Detail	Examples
Fiscal Invoices	Get full detail on all certified invoices sent and a received by a business or a person, including: `sender_name`, `receiver_name`, `type`, `total_amount`, `currency`, `invoice_details`, `payment_type`	Invoice model
Tax Returns	Get full detail on the tax returns sent every year by a person or a business to the tax administration, including: `income`, `payable_tax`, `deductions`.	Tax return model
Tax Status	Get full detail on the tax situation of a person or a business on the tax authority in the country, including: `name`, `address`, `rfc`, `economic_activity`.	Tax status model

Gig economy

Using our Gig economy product, you can access the following financial data:

Resource	Detail	Examples
Accounts	Get all information about your customer gig accounts, including: `account_type`, `currency`, `balance`.	Account model
Transactions	Get a list of gig transactions with all meta data, including: ``,` amount`,` pickup_address`,` dropoff_address`,` distance`,` description`,` payment_method`.	Transaction model
Owners	Get full detail of a gig account owner, including: `first_name`, `last_name`, `email`, `phone`, `address`.	Owner model
Balances	Get the balance of your customer gig accounts at any given time in the past.	Balance model

Belvo glossary

It is important to start by defining some terms as you will need to be familiar with when interacting with Belvo. Your end-users finances can be held in different financial institutions, and inside each institution, they might have several accounts. This is why it is important to look at the way we structure the information that you can access.

Term	Definition
Secret Key	A `Secret Key` is a pair of `id` and `password` needed to authenticate to Belvo's API. You need to create a `Secret Key` before making API calls. When you register a `Secret Key` the pair `id/password` will be sent over email.
Institution	An `Institution` is an entity that Belvo can access information from. It can be a `bank` (Banamex retail banking, HSBC corporate banking), a `fiscal` type of institutions such as the "Servicio de Administración Tributaria" (SAT) in Mexico or a `gig` such as Uber.
Link	A `Link` is a set of credentials associated to an end-user access to an `Institution`. An example would be the username and password used to login to an online banking platform. You will need to register a `Link` before accessing information from that specific end-user like Account information or Transaction details.
Account	An `Account` is the representation of a bank or gig account inside a financial institution. An end-user can have several `Accounts` inside each `Link`. For example for banks, one `Link` can have one checking account, several credit cards and even loan or investment accounts.
Transaction	A `Transaction` contains the detailed information of each movement inside an `Account`.
Balance	A `Balance` represents the financial status of an Account at a given time.
Owner	An `Owner` represents the person who has access to a `Link` and is the owner of all the `Accounts` inside the `Link`.
Income	An `Income` represents a list of insights about the income of a user through its bank account. For example, the different income streams (salary, pension, benefits), the average monthly amount, the frequency, ...
Invoice	An `Invoice` is the representation of an electronic invoice, that can be received or sent, by a business or an individual and has been uploaded to the fiscal institution website. Multiple `INFLOW` (invoice received) and `OUTFLOW` (invoice sent) invoices can be retrieved inside each link coming from a fiscal institution.
Tax returns	A `Tax return` is the representation of the tax return document sent every year by a person or a business to the tax authority in the country. The tax return data structure will be different depending on if it is related to a person or a business.
Tax status	A `Tax status` - Constancia de situación fiscal - is the representation of the tax situation of a person or a business on the tax authority in the country. The tax status data structure will be different depending on if it is related to a person or a business.

Belvo - Developer Hub

Connect to all finance institutions in Latin America

Welcome to Belvo's API

Introduction to Belvo API

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What is Belvo?

How is Belvo working?

What can I access with Belvo?

Banking

Fiscal

Gig economy

Belvo glossary

What's Next

Introduction to Belvo API

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