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Practical Use Cases

This section describes real implementation scenarios of Max Capital APIs, with concrete examples based on available endpoints.

🏢 Companies: Accounting Automation​

Business Problem​

A corporate company invests in investment funds through its treasurer who operates directly with Max Capital. It needs:

  • Automate daily download of current account movements
  • Automatically record these movements in its ERP/accounting system
  • Reconcile balances without manual intervention
  • Generate automatic reports for auditing and management control

Solution with Max Capital APIs​

Automate the download of current account movements using the Statements API for direct integration with the ERP.

Automation Flow​

1. Automatic Download of Daily Movements​

# Query movements from the previous day (run daily at 8:00 AM)
GET /v1/current-account/instruments?number=12345678&dateFrom=2024-06-01&dateTo=2024-06-01&dateType=operation

# Response with movements for the ERP:
[{
  "isPreviousBalance": false,
  "currentAccountCode": 12345678,
  "operationDate": "2024-06-01",
  "settlementDate": "2024-06-01",
  "detail": "Suscripción FCI MAX RENTA FIJA - Orden 789456",
  "isAvailable": true,
  "instrumentDescription": "MAX RENTA FIJA CLASE A",
  "amount": 1000000.00,
  "net": 1000000.00,
  "gross": 1000000.00,
  "balance": 5500000.00,
  "currencyCode": "ARS",
  "instrumentTypeCode": "FCI"
}]

2. Query Movements by Period​

# For monthly reconciliation or specific reports
GET /v1/current-account/instruments?number=12345678&dateFrom=2024-06-01&dateTo=2024-06-30&dateType=settlement

3. ERP Integration​

// Service that runs daily at end of day
async function syncAccountMovements() {
    const yesterday = getYesterday(); // 2024-06-01
    
    // 1. Download movements from previous day
    const movements = await maxAPI.get('/v1/current-account/instruments', {
        params: {
            number: company.accountNumber,
            dateFrom: yesterday,
            dateTo: yesterday,
            dateType: 'operation'
        }
    });
    
    // 2. Process each movement
    movements.forEach(movement => {
        // Determine journal entry type based on movement
        let accountMapping = getAccountMapping(movement.instrumentTypeCode, movement.amount);
        
        // Record in accounting system
        erpSystem.createJournalEntry({
            date: movement.settlementDate,
            reference: movement.detail,
            entries: [
                {
                    account: accountMapping.debit,
                    debit: Math.abs(movement.net)
                },
                {
                    account: accountMapping.credit, 
                    credit: Math.abs(movement.net)
                }
            ],
            externalRef: `MC-${movement.currentAccountCode}-${movement.operationDate}`
        });
        
        // Update reconciliation control
        updateReconciliationControl(movement);
    });
}

function getAccountMapping(instrumentType, amount) {
    // Account mapping based on instrument type and debit/credit
    const mappings = {
        'FCI': {
            debit: amount > 0 ? '1.1.3.001' : '1.1.1.001',   // FCI Investments : Bank
            credit: amount > 0 ? '1.1.1.001' : '1.1.3.001'   // Bank : FCI Investments
        },
        'PLAZO_FIJO': {
            debit: amount > 0 ? '1.1.2.001' : '1.1.1.001',   // Term Deposits : Bank
            credit: amount > 0 ? '1.1.1.001' : '1.1.2.001'   // Bank : Term Deposits
        }
    };
    return mappings[instrumentType] || mappings['FCI'];
}

⚙️ Report Automation​

Monthly Report for Auditing​

async function generateMonthlyReport(month, year) {
    const startDate = `${year}-${month.toString().padStart(2, '0')}-01`;
    const endDate = new Date(year, month, 0).toISOString().split('T')[0];

    // Get all operations for the month
    const operations = [];
    for (let date = startDate; date <= endDate; date = nextDay(date)) {
        const dailyOps = await Promise.all([
            maxAPI.get('/v1/subscriptions', {
                params: {
                    operationDate: date,
                    accountHolderNumber: company.accountNumber
                }
            }),
            maxAPI.get('/v1/redemptions', {params: {operationDate: date, accountHolderNumber: company.accountNumber}})
        ]);
        operations.push(...dailyOps.flat());
    }

    // Generate Excel report for auditing
    const report = {
        period: `${month}/${year}`,
        totalSubscriptions: operations.filter(op => op.type === 'subscription').reduce((sum, op) => sum + op.amount, 0),
        totalRedemptions: operations.filter(op => op.type === 'redemption').reduce((sum, op) => sum + op.amount, 0),
        finalPosition: await getCurrentPosition(),
        operations: operations
    };

    return generateExcelReport(report);
}

📊 Benefits Obtained​

  • 100% automation of accounting registration
  • 95% reduction in monthly reconciliation time
  • Complete traceability for audits
  • Daily valuation of investment portfolio
  • Automatic reports ready for AFIP and auditing

📋 Implementation Checklist​

  • Map accounting accounts
  • Develop ERP connectors
  • Configure scheduled queries
  • Implement report generation
  • Establish reconciliation procedures

💳 PSP/Wallet: Balance Remuneration​

Business Problem​

A PSP or digital wallet has users with inactive balances that don't generate returns. It wants to offer automatic remuneration of these balances to:

  • Increase user retention
  • Generate commission income
  • Compete with traditional banks

Solution with Max Capital APIs​

Automate the investment of idle balances in high-liquidity money market funds using the Onboarding, Mutual Funds and Auth APIs.

Implementation Flow​

1. User Onboarding​

# Create onboarding process for wallet user
POST /v1/onboardings
{
  "account": {
    "people": [{
      "type": "HUMAN",
      "ownership_type": "OWNER",
      "signature_type": "INDIVIDUAL",
      "personal_info": {
        "first_name": "María",
        "last_name": "González",
        "document": {
          "type": "DNI_AR",
          "code": "35123456"
        },
        "email": "[email protected]",
        "phone": "+5491156781234"
      },
      "tax_info": {
        "document": {
          "type": "CUIT_AR",
          "code": "27351234567"
        },
        "economic_activity": "47"
      }
    }]
  }
}

2. Query Available Funds​

# Get money market fund information
GET /v1/mutual-funds/3852
# Response: "MAX MONEY MARKET Class A" fund with T+0 liquidity

3. Automate Subscriptions​

# When balance exceeds $10,000, invest automatically
POST /v1/subscriptions
{
  "mutualFundCafciCode": 3852,
  "currencyIsoCode": "ARS",
  "accountHolderNumber": 11772,
  "amount": 25000,
  "cvu": "0000003100059118503787"
}

4. Automatic Redemptions​

# When user needs liquidity, redeem automatically
POST /v1/redemptions
{
  "mutualFundCafciCode": 3852,
  "accountHolderNumber": 11772,
  "amount": 5000,
  "redeemAll": false,
  "assetsDestination": "ECHEQ_ORDER"
}

⚙️ Benefits Obtained​

  • +3.5% annual return for users vs 0% in current account
  • +25% retention of users with remunerated balances
  • 0.8% annual commission on managed assets as new income source

🔄 Complete flow example: PSP with Automation​

A PSP that combines both use cases: remunerates end-user balances AND automates its own accounting.

📊 Success Metrics​

  • Implementation time: 8-12 weeks vs 12+ months own development
  • Operational cost: 60% reduction in manual tasks
  • Compliance: 100% regulatory compliance from day 1
  • Revenue: New revenue line through asset management

📋 Implementation Checklist​

  • Get development credentials
  • Implement onboarding flow
  • Configure automatic subscription logic
  • Develop on-demand redemption functionality
  • Integrate return notifications

Is your use case similar? Contact our integration team for a personalized technical consultation: [email protected]