[{"data":1,"prerenderedAt":224},["ShallowReactive",2],{"project-1783823":3},{"id":4,"name":5,"line":6,"line_source":7,"title":8,"url":9,"domain":9,"maker":10,"posted_at":11,"year":12,"points":13,"comments":14,"rank_in_year":15,"shown_in_year":16,"top":17,"tier":18,"category":19,"subcategory":20,"format":21,"keywords":22,"reception":26,"sentiment":27,"stance_mix":28,"scored_comments":33,"aspects":34,"strip":40,"post_text":42,"what":43,"said":71,"maker_in_thread":148,"shape":156,"grid":159,"attempts":186,"same_week":187,"maker_shows":29,"maker_hidden":215,"reader_version":216,"card":217},"1783823","finkin","A simple personal finance API (like Yodlee)","title","Show HN: I made a simple personal finance API (like Yodlee)",null,"gabelerner",1286899056,2010,12,13,109,370,30,"shown","finance_crypto","personal finance api","api",[20,23,24,25],"bank data api","ofx","yodlee alternative","curious",-0.042,{"positive":29,"neutral":30,"mixed":31,"critical":32},1,3,0,2,6,{"privacy":35,"pricing":36,"idea":37,"execution":38,"performance":39},{"positive":31,"critical":29},{"positive":31,"critical":31},{"positive":29,"critical":31},{"positive":31,"critical":29},{"positive":31,"critical":31},[30,31,29,30,31,41,31,29,30,31,31,31,31],5,"It's at http:\u002F\u002Ffinkin.com.  The goal is to allow a developer to sign up in seconds, and within minutes begin querying data.  It runs under https and  stores no access information.\n\nFrom http:\u002F\u002Fnews.ycombinator.com\u002Fitem?id=1431583, I realized that all those types of sites are not tailored to developers like the other simple APIs around the web are (i.e. flickr).  I made mine as simple as I thought possible.\n\nFrom http:\u002F\u002Fnews.ycombinator.com\u002Fitem?id=1676458, I realized that eventually it should be a scalable model where you pay pennies per the # of requests you make.\n\nRight now it supports many ",{"problem":44,"audience":50,"pricing":54,"motivation":58,"time_to_build":9,"stack":62,"openness":69,"stage":70,"team_size":69},{"value":45,"source":46,"evidence":47},"Developers lack a simple API to query bank and financial account data","maker",[48],{"id":49},"post",{"value":51,"source":46,"evidence":52},"Developers building personal finance features",[53],{"id":49},{"value":55,"source":46,"evidence":56},"Planned pay-per-request pricing of pennies per call",[57],{"id":49},{"value":59,"source":46,"evidence":60},"Make a developer-friendly alternative to aggregators like Yodlee",[61],{"id":49},[63],{"value":64,"source":46,"evidence":65},"OFX",[66],{"id":67,"by":10,"text":68},"1787295","I am not disagreeing with your claim and am using OFX, for now. My initial goal was to provide a simple and cheap API that one can get started with in minutes vs. having to…","unknown","beta",{"praise":72,"objections":81,"requests":113,"questions":128,"alternatives":137},[73],{"value":74,"source":75,"evidence":76},"Idea and execution praised as useful for developers","commenter",[77],{"id":78,"by":79,"text":80},"1788382","djb_hackernews","Also besides my comment about OFX being inaccurate I wanted to say I think what you've done is really great. OFX is a beast no doubt. I'd add account discover next, that was one…",[82,92,96,103],{"value":83,"source":75,"evidence":84},"Users must trust the service with bank login credentials",[85,89],{"id":86,"by":87,"text":88},"1783870","dpapathanasiou","Interesting. Two questions: (1) How can we trust you with our bank login credentials? (2) What is the current list of banks you support? Would a call to…",{"id":90,"by":87,"text":91},"1784032","It does take some trust on the part of the users but the risks are alleviated by the fact that the money is insured and even if I had your credentials, your bank should not allow…",{"value":93,"source":75,"evidence":94},"Security and fraud protections are insufficient",[95],{"id":90,"by":87,"text":91},{"value":97,"source":75,"evidence":98},"Bank accounts like Chase may not work without paid OFX access",[99],{"id":100,"by":101,"text":102},"1828547","anemitz","I tried this with my Chase account and I can't seem to sign in. I'm guessing you either need to have the OFX api feature enabled for your bank account or you need to be with a…",{"value":104,"source":75,"evidence":105},"Bank APIs (OFX) can return inaccurate data",[106,110],{"id":107,"by":108,"text":109},"1785457","DevX101","I haven't look too closely at this space, but someone here at HN made the claim that bank APIs are sometimes inaccurate, which is why Yodlee scrapes in the first place. Can you…",{"id":111,"by":79,"text":112},"1787008","That claim was probably made by me, and I still stand by it. Let me guess, you are using OFX? edit: here is my original comment -> http:\u002F\u002Fnews.ycombinator.com\u002Fitem?id=1537982",[114,118,122],{"value":115,"source":75,"evidence":116},"Add account discovery",[117],{"id":78,"by":79,"text":80},{"value":119,"source":75,"evidence":120},"Full list of supported institutions",[121],{"id":86,"by":87,"text":88},{"value":123,"source":46,"evidence":124},"Routing number search",[125],{"id":126,"by":10,"text":127},"1800874","Once I find some time, I was going to let people register for their key, then add a routing number search, but your idea is great for the next todo. For some institutions it's…",[129,133],{"value":130,"source":75,"evidence":131},"How can users trust the service with bank credentials",[132],{"id":86,"by":87,"text":88},{"value":134,"source":75,"evidence":135},"Which banks are supported",[136],{"id":86,"by":87,"text":88},[138,142],{"value":139,"source":75,"evidence":140},"Yodlee",[141],{"id":107,"by":108,"text":109},{"value":143,"source":75,"evidence":144},"Mint.com",[145],{"id":146,"by":10,"text":147},"1783907","(1) The toughest part is to build credibility but somehow mint.com did it. Other than getting a few users who have communicated with me privately to act as references, I haven't…",{"comments":41,"answered":149,"key":150},4,[151,152,155],{"id":146,"text":147},{"id":153,"text":154},"1784212","I was thinking that if it doesn't take off, I'd just release the whole thing as an open source project since most of the work did not come from writing the code, but rather…",{"id":126,"text":127},{"commenters":33,"max_depth":149,"maker_replies":41,"first_comment_mins":157,"lifespan_hours":158},15,301,[160,162,163,165,169,170,172,173,175,177,179,181,184],[86,31,30,161,87,31],"project\u002Fneutral\u002Fprivacy",[146,31,31,161,10,29],[90,31,29,164,87,31],"project\u002Fcritical\u002Fprivacy",[166,29,30,167,168,31],"1784064","project\u002Fneutral\u002Fpricing","maxdemarzi",[153,29,31,167,10,29],[78,32,41,171,79,31],"maker\u002Fpositive\u002Fidea",[126,32,31,171,10,29],[100,30,29,174,101,31],"project\u002Fcritical\u002Fexecution",[107,149,30,176,108,31],"project\u002Fneutral\u002Fperformance",[178,149,31,176,10,29],"1786190",[111,149,31,180,79,31],"commenter\u002Fneutral\u002Fperformance",[182,149,31,183,108,31],"1787290","commenter\u002Fneutral\u002Fnone",[67,149,31,185,10,29],"project\u002Fmixed\u002Fperformance",[],[188,193,198,203,208,211],{"id":189,"name":190,"points":191,"category":192},"1768345","Review my project",90,"dev_tools",{"id":194,"name":195,"points":196,"category":197},"1772790","sokogame",40,"games",{"id":199,"name":200,"points":201,"category":202},"1773788","Portrit.com",20,"consumer_social",{"id":204,"name":205,"points":206,"category":207},"1783632","Dashler Toolbar",14,"productivity",{"id":209,"name":210,"points":206,"category":207},"1788995","The Shared Web",{"id":212,"name":190,"points":213,"category":214},"1783369",9,"web_saas",false,"v2",{"id":218,"name":5,"line":6,"ai":215,"cat":19,"year":12,"points":13,"comments":14,"rec":26,"s":219,"top":17,"kw":220,"maker":10,"domain":221,"tier":18,"attempts":31,"strip":222,"url":-1,"mix":223,"praise":74,"objection":83,"sub":20},1783823,-0.04,[20,23,24,25],"","3013050130000",[29,30,31,32],1793990868018]