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PAOTANG (เป๋าตัง) API INTEGRATION
Krung Thai Super-App Data Access — Wallet, PromptPay, Bonds, Debentures & Loans
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INTRODUCTION
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เป๋าตัง - Paotang, published by Krung Thai Bank, is not a single wallet
but a bundle of at least six distinct server-side ledgers running
inside one super-app: the Paotang Pay open wallet, the government
G-Wallet, the สบม. savings-bond wallet, the corporate debenture
(หุ้นกู้) wallet, a linked-account view over up to three Krungthai
bank accounts, and a Krungthai consumer-loan line.
For fintech teams, accounting platforms, wealth dashboards and lending
operators, this makes Paotang one of the richest — and most fragmented
— data sources in the Thai open banking landscape. Reaching this data
requires authorized protocol analysis and consented access, since none
of it is exported as a flat file. This article covers the API features
that can be integrated, the scenarios where this data adds value, and
what a working integration actually delivers.
Full reference: https://openbankingstudio.com/เปาตง-paotang.html
SUPPORTED API FEATURES
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• Wallet balance & spend data — per-transaction detail with
running balance and QR merchant tags from Paotang Pay
• PromptPay & transfer data — counterparty ID, direction,
amount and timestamp across up to three linked Krungthai
accounts
• G-Wallet government entitlement data — per-scheme balances
and ถุงเงิน merchant redemption events
• Savings bond (สบม.) holdings — one-baht unit granularity
with secondary-market buy/sell trade events
• Corporate debenture (หุ้นกู้) data — holdings, buy/sell
price, coupon and withholding-tax fields
• Consumer loan data — outstanding balance, installment
schedule and interest rate for the Krungthai loan line
• Normalized OpenAPI delivery — every wallet tagged by source
so data streams never cross-contaminate
USE CASES & APPLICATIONS
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[1] Accounting & Reconciliation
• Nightly reconciliation of Paotang Pay and PromptPay
receipts into merchant accounting ledgers
• Automated matching of QR payments against invoices
• Cash-flow sync for SMEs using Krungthai accounts
[2] Wealth & Investment Dashboards
• Unified fixed-income view combining สบม. savings bonds
and หุ้นกู้ corporate debentures
• Portfolio sync reconciling unit counts against cash
movements and trade events
• Coupon and withholding-tax tracking for tax reporting
[3] Lending & Credit Underwriting
• Pulling Krungthai loan schedules to verify existing
installment commitments before underwriting
• Affordability checks based on outstanding balance and
repayment cadence
• Repayment tracking across the loan lifecycle
[4] Government Welfare & Subsidy Programs
• Reconciling G-Wallet disbursements against ถุงเงิน
merchant redemptions
• Subsidy eligibility verification separate from ordinary
wallet spend
• Scheme-level reporting for public-sector operators
[5] Personal Finance Management (PFM) Tools
• Aggregating wallet, transfer, bond and loan data into a
single consumer-facing dashboard
• Multi-account reconciliation across linked Krungthai
accounts
• Health-wallet benefit and receipt tracking
BENEFITS & ADVANTAGES
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✓ Reaches all six Paotang ledgers through one consented
integration path
✓ Data normalized and tagged by source wallet — no mixing
of G-Wallet subsidies with ordinary payment flow
✓ Legal-by-design: built around PDPA consent today, with a
migration path to Thailand's "Your Data" regime
✓ Unit-level bond reconciliation catches partial fills that
a single balance read would miss
✓ Delivered as runnable Python or Node.js source, not just
documentation
✓ Includes automated tests against recorded fixtures plus
live smoke testing
✓ Maintenance built in — calls are re-validated whenever
Krung Thai updates the app
SUBSCRIPTION PLANS
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Two engagement models are available. Buy the runnable source outright
from $300, covering the API code, OpenAPI spec, tests and
documentation for the wallets you select, payable after delivery.
Alternatively, call hosted endpoints on a pay-per-call basis with no
upfront cost — well suited to pilots focused on a single feed such as
wallet statements or PromptPay transfers. Typical delivery runs 1–2
weeks once the wallet scope is agreed.
CONCLUSION
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Paotang's six-ledger structure — wallet, PromptPay, G-Wallet, savings
bonds, debentures and loans — makes it one of the most valuable single
integrations in the Thai fintech ecosystem, provided each stream stays
correctly isolated and consent-backed. Whether the goal is accounting
reconciliation, wealth aggregation, credit underwriting or subsidy
reporting, a properly normalized integration turns Paotang's fragmented
wallets into one reliable data feed.
Start the conversation and scope your wallet integration today.
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Access & Reference:
https://openbankingstudio.com/เปาตง-paotang.html
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