基于 OpenData 的金价、储蓄计划、交易与赎回 API 集成（合规交付 · 可运行源码）
我们针对 Thangamayil DigiGold 的储蓄产品（DigiGold / SuperGold / Thangamal / FuturePlus）进行协议解析、账户绑定、支付网关集成、以及赎回与对账自动化，交付可运行的 API 源码与完整文档。
POST /api/v1/digigold/savings/join
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>
{
"user_id": "user_12345",
"scheme": "DigiGold",
"amount": 250.00,
"frequency": "DAILY",
"payment_method": "PAY_GATEWAY_X",
"payment_reference": "PGX_REF_98765"
}
Response 201 Created
{
"status":"ACCEPTED",
"subscription_id":"sub_20251108_0001",
"next_debit_date":"2025-11-09",
"gold_weight_credited":0.00423
}
支持：实时金价聚合、订阅与批量扣款、支付网关回调处理、赎回结算（门店/线上）、线下库存与门店兑换对接、税务报表导出与用户通知。
示例必备信息：目标 App 名称、所需接口（入金、出金、交易流水、赎回）、可用测试凭证或沙箱账号。
我们是一家专注于 App 协议分析与授权 API 集成的技术工作室，核心成员有多年移动支付、开放银行与金融云服务经验。为全球客户提供合规、可交付的接口实现。
Thangamayil Digigold is the digital home of Thangamayil Jewellery. The ideal place to join a savings scheme and save up to buy your dream jewellery conveniently in the palm of your hand. You can join and pay into any of the Schemes of Thangamayil Jewellery. Start Saving in Gold today. Traditionally everyone saves and invests in Gold Jewellery, both as an ornament and as an asset. But with rising price of Gold, lakhs of customers of Thangamayil have used various micro savings schemes to help them accrue savings to buy their dream gold jewellery. Grow your wealth by investing in Gold – the historic store of value - the best instrument for savings, giving you assured appreciation of value. Currently offering 4 savings schemes to save up to buy any Gold Coin, Gold Jewellery from Thangamayil Jewellery. DigiGold Digigold gives you the Freedom to save daily, weekly, or monthly – even multiple times a day. It is Flexible to save as much as you can starting from just Rs.100, varying your savings each time. It is Easy – just a few clicks and you have saved Gold at prevailing market rates. It is Convenient, as it is fully integrated with various payment gateways, enabling you to save from wherever you are. SuperGold SuperGold is a monthly savings scheme with a tenure of 330 days (11 installments) with benefit of getting up to 75% Discount on VA (Wastage + Making Charges) on Gold Jewellery and 60% Discount on VA for Diamond Studded Gold Jewellery and JewelOne Jewellery. Subject to full payment of all installments on time and redemption after 330 days. User gets credited as Gold weight as per prevailing rates on dates of payment in your Account and can be redeemed after maturity for weight saved with above benefits. Thangamagal Thangamal is a fixed monthly savings scheme with a tenure of 330 days (11 installments) with benefit of getting up to 75% Discount on VA (Wastage + Making Charges) on Gold Jewellery and 60% Discount on VA for Diamond Studded Gold Jewellery and JewelOne Jewellery. Subject to full payment of all installments on time and redemption after 330 days. User gets credited as Amount in your Account and can be redeemed after maturity for amount saved. FuturePlus SuperGold is a one-time savings scheme with a tenure of 330 days with benefit of getting 75% Discount on VA (Wastage + Making Charges) on Gold Jewellery on Gold Jewellery and 60% Discount on VA for Diamond Studded Gold Jewellery and JewelOne Jewellery – subject to redemption after 330 days. Just download the app, register, and start saving. Redeem conveniently at a Thangamayil Showroom near you (62 showrooms in Tamil Nadu – and growing) or buy Gold Jewellery or Gold Coins from www.thangamayil.com While there are many apps to buy and sell gold online, Thangamayil Digigold is the only app that gives you all the flexibility while also giving you up to 5% benefits for your savings and other benefits enumerated. Save whenever possible and grow your wealth. Save using the Thangamayil DigiGold app and buy Gold Jewellery from Thangamayil – a brand trusted for over 75 years. Thangamayil Jewellery Limited, with its Registered Office in Madurai, Tamilnadu, is the Leading Gold Jewellery Retailer in Tamilnadu with 62 Showrooms and trusted by over 25lakh customers. Contact: 1800 889 7080 (10 AM - 7 PM IST) digigoldsupport@thangamayil.com | https://www.thangamayil.com