POWERING THE FUTURE OF LENDING

API INTEGRATION

FOR DIGITAL LENDING PLATFORMS
Seamless  •  Secure  •  Scalable
FASTER Integration
SECURE By Design
HIGHER Conversions
02  /  10  —  FOUNDATION
FINTECH INFRASTRUCTURE

WHAT IS
API INTEGRATION?

API Integration enables your platform to securely connect with banks, credit bureaus, KYC providers, payment gateways, and external fintech services to automate workflows and deliver real-time financial data seamlessly.

02 / 10
YOUR
PLATFORM
BANKS
CREDIT BUREAUS
KYC PROVIDERS
PAYMENT GATEWAYS
OTHER SERVICES
03  /  10  —  ECOSYSTEM MAP

The Digital Lending API Ecosystem

Credit & Risk
Credit Bureau APIs
CIBIL, Experian, Equifax — real-time credit score & history
REST/JSON
Bureau Aggregators
Multi-bureau pull in single call; bureau arbitrage
REST/JSON
Alternative Data
GST, ITR, bank statements for thin-file borrowers
OAuth 2.0
Identity & KYC
Aadhaar / eKYC
UIDAI OTP & biometric-based identity verification
Govt API
Video KYC
LivePhoto, document OCR, liveness detection
WebRTC
AML / PEP Screening
Sanctions lists, politically exposed persons check
REST/JSON
Banking & Payments
Account Aggregator
RBI-licensed financial data sharing framework
AA Framework
UPI / NACH APIs
Loan disbursement, EMI collection, mandate mgmt
UPI 2.0
Bank Account Verify
Penny drop, IFSC validation, IMPS reconciliation
REST/JSON
Regulatory & Other
MCA / GST APIs
Company registration, GST filings for MSME loans
Govt API
eSign / eStamp
Legally binding digital loan agreements via DSC
PKI
Fraud Analytics
Device fingerprinting, geo-risk, velocity checks
ML API
04  /  10  —  ARCHITECTURE

Platform Architecture Overview

Mobile App
iOS / Android
Web Portal
React / Angular
Partner API
B2B Origination
API Gateway & Orchestration Layer
Rate limiting · Auth (OAuth 2.0 / JWT) · Load balancing · Circuit breaker · Audit logging
mTLS WAF DDoS Caching
Credit Bureau
CIBIL / Experian
KYC / eKYC
UIDAI / NSDL
Payment Rails
NPCI / RBI
Core LMS
Loan Management
Decision Engine
Rules + ML Model
Compliance Layer
AML / Fraud
Monitoring
Alerts & SLA
05  /  10  —  CREDIT BUREAU API

Credit Bureau API Integration

The credit bureau API is the cornerstone of digital lending. A single API call returns a full credit report, score, repayment history, and outstanding liabilities in real time.

1Borrower submits PAN + consent form on app
2Platform fires bureau API with encrypted PAN
3Bureau returns credit score + detailed report (<2s)
4Decision engine applies credit policy rules
5Auto-approve / counter-offer / decline triggered
Sample API Response — Credit Bureau 
POST /v3/creditreport/pull
// Headers: Authorization: Bearer {token}

// Response 200 OK
{
  "status": "SUCCESS",
  "requestId": "cr_8xK2m4...",
  "bureau": "CIBIL",
  "creditScore": 762,
  "scoreVersion": "TUSC 3.0",
  "riskGrade": "A2",
  "activeAccounts": 4,
  "dpd90Plus": 0,
  "totalOutstanding": 185000,
  "inquiriesLast30d": 1,
  "recommendation": "APPROVE",
  "reportTimestamp": "2024-03-15T09:23:41Z"
}
1.8s
AVG RESPONSE
99.7%
API UPTIME
06  /  10  —  KYC & COMPLIANCE

KYC, AML & Compliance APIs

Regulatory compliance built into every origination — not bolted on after.

Aadhaar eKYC API

OTP-based or biometric verification via UIDAI. Pulls name, DOB, address, photo directly from government database. Zero document fraud possible.

94%
Reduction in KYC drop-offs

Video KYC (V-CIP)

RBI-mandated video customer identification. Liveness detection, OCR on PAN/Passport, geo-tagging of session. Fully auditable recording stored on cloud.

3 min
Average completion time

AML / PEP Screening

Cross-checks borrower against OFAC, UN sanctions, RBI watchlists, and PEP databases globally. Continuous monitoring for existing customers.

200ms
Screening latency
Application
Submitted
Aadhaar
eKYC
AML/PEP
Screen
Bank Acct
Verify
Credit Pull
Auto
Decision
eSign &
Disburse
07  /  10  —  PAYMENT RAILS

Disbursement & Collection APIs

UPI Disbursement

Instant loan disbursal to any UPI-linked account. No bank details needed — just VPA.

~10s
SETTLEMENT

IMPS / NEFT

Bank account transfers for larger loan amounts. IMPS 24×7 real-time.

30 min
SETTLEMENT

NACH e-Mandate

One-time EMI mandate setup. Auto-debit on due dates. Zero collection friction.

T+1
ACTIVATION

UPI AutoPay

Recurring UPI mandate for EMI collection. Supports split payments and part-prepayment.

Real-time
NOTIFICATION
₹14L Cr
Monthly UPI transaction volume (2024)
93%
NACH e-mandate success rate on first attempt
0.02%
API-driven payment failure rate vs 2.1% manual
08  /  10  —  SECURITY

Security & Risk Controls

Every API integration must be secured at multiple layers — transport, authentication, application, and monitoring.

Transport Security

All API traffic encrypted with TLS 1.3. Mutual TLS (mTLS) enforced for financial APIs. Certificate pinning on mobile clients. No HTTP fallback permitted.

TLS 1.3 mTLS HSTS Cert Pinning

Authentication & Authorization

OAuth 2.0 with short-lived JWT tokens (15-min expiry). Scoped API keys per partner. RBAC for internal services. All tokens signed with RS256.

OAuth 2.0 JWT / RS256 PKCE RBAC

Data Protection

PAN, Aadhaar, bank account numbers encrypted at rest (AES-256) and in transit. Tokenization for PCI scope. DPDP Act 2023 compliance controls.

AES-256 Tokenization DPDP Act ISO 27001

Monitoring & Fraud Prevention

Real-time API anomaly detection. Rate limiting per borrower, partner, and IP. Device fingerprinting for application fraud. Velocity rules for bust-out detection.

SIEM Rate Limiting WAF Rules Fraud ML
09  /  10  —  ROADMAP

Implementation Roadmap

P1
Phase 1 — Foundation APIs
Weeks 1–6

Integrate core credit bureau API (CIBIL/Experian), implement Aadhaar eKYC, set up API gateway with auth, deploy to staging environment.

Credit Bureau Aadhaar eKYC API Gateway Sandbox Testing
P2
Phase 2 — Payments & Compliance
Weeks 7–14

Integrate UPI disbursement, NACH e-mandate setup, AML/PEP screening, eSign for loan agreements. Go-live with pilot cohort of 500 borrowers.

UPI Disbursal NACH Mandate AML Screening eSign
P3
Phase 3 — Advanced Analytics & AA
Weeks 15–22

Onboard Account Aggregator framework, GST/ITR APIs for MSME segment, integrate ML-based fraud detection, launch alternative credit scoring.

Account Aggregator GST API Fraud ML Alt Credit Score
P4
Phase 4 — Scale & Optimize
Month 6+

Multi-bureau arbitrage, API cost optimization, real-time monitoring dashboards, SLA management, partner API marketplace for co-lending.

Multi-bureau Co-lending APIs Cost Optimisation SLA Mgmt
10  /  10  —  OUTCOMES
Business Impact

The Future of Lending
Is API-First

Platforms that embed the right APIs reduce TAT by 95%, cut operational costs by 60%, and unlock previously inaccessible customer segments.

0%
Reduction in loan TAT
0%
Lower operational costs
0%
Fraud reduction via APIs
0x
Faster decisioning speed