A Developer's Guide to Transform Complexity to Simplicity
Xformative takes care of the complexities of transactions so your team can focus on innovation. The Xformative Developer Portal (DOPS) provides convenient access to documentation, API endpoints, webhooks, microservices, process flows, and active test environments– making it easy to bring solutions to life.
- Manage portal access, including setting access roles for Customer Support and business users.
- Generate API access keys for your system to connect to Xformative.
- Robust sandbox environment, including simulator for card payments
- Extensive documentation
- Comprehensive search and visibility into all events across the event stream
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Xformative Solves Financial Use Cases
The Xformative Platform helps solve financial uses cases leveraging API endpoints and a microservices architecture to facilitate event processing, querying, reporting and analytics for three main features.
Storing Value
High-performing and flexible ledger services allow monetary and non-monetary values to be applied and managed with ease.
Accepting and Making Payments
Supports various payment channels including ACH, wire, check, digital wallets (including Google Pay and Apple Pay) and other digital payment protocols.
Issuing and Processing Cards
Xformative manages complex, multi-purse card programs with ease.
Xformative processes the events and stores the results in a customer specific event stream. The customer’s event stream provides real-time, comprehensive visibility into all of the events that have occurred.
Our Featured Components
Organization API
The Xformative Organization API provides a way for customers to store an organization of profiles such as custodians, clients, individuals, dependents, participants, payees and their relationships utilizing a graph schema.
Program API
The Xformative Program API provides a way for customers to manage a group of account offerings, payment channels, payment instruments, spend controls and authorization fund flows. Supports: multi-purse authorizations, co-authorizations, spend controls, and medical expense authorizations with IIAS & SIGIS,
Ledger API
The Xformative Ledger API provides a way for customers to manage accounts, entries and posting fund flows.
Payment API
The Xformative Payment API provides a way for customers to manage payment sources, execute funding and trigger reimbursement events against different payment channels.
Card API
The Xformative Card API provides a way for it's customers to create and manage issued cards. Includes support for: virtual, tokenized and physical cards. Clients can use Xformative's preferred vendor relationships for bring their own including networks, fulfillment, BIN sponsorship and banking partners.
Developer Portal
The Xformative Developer Portal (DOPS) provides a way for customers to view and maintain the current state of their Xformative partition or Xformative instance.
Understanding Resource Types
When interacting with Xformative, there are three event resource types used -- core resources, notification resources and batch resources. For every event or request made to the Xformative Platform, there are associated outcomes or responses that occur.
Core Resources
- Organization resources organize the main actors of the system into a graph of relationships.
- Ledger resources manage accounts, entries and postings with industry standard fund flows.
- Program resources manage a group of account offerings, payment channels, payment instruments, spend controls and authorization fund flows. Programs are offered by Clients to Individuals for enrollment as Participants.
- Payment resources manage payment sources in addition to funding and disbursement/payout transactions.
- Card resources manage card issuance, card state and card packages.
Notification Resources
Notification resources represent the service endpoints, payloads and notification event processing for the event stream and web-hooks Xformative’s customers subscribe to. Xformative streams it’s customers all processed events and will webhook any event a customer subscribes to.
Batch Resources
Batch resources represent the service endpoints, payloads and event processing for batch event files and ETL files.