Credit Integrations
Choose the integration model that fits your product and engineering surface.
Two integration models
Aarthik Labs supports two ways to integrate borrower credit journeys. Choose the hosted experience when you want the fastest production path, or the API experience when you want to own the borrower UI and orchestration end-to-end.
Hosted Experience
- Backend (server-only): call
POST /api/lab/sessionswithAuthorization: Bearer sk_*,borrowerProviderID, andcontactNumber(panoptional), then returnembedUrl. - Frontend (client): render
<iframe src={embedUrl}>. - Best for teams that want the platform to own the full borrower journey UI.
API Experience
- Partner backend: call
POST /api/v1/headless/sessionswithAuthorization: Bearer sk_*to bootstrap or resume borrower sessions. - App runtime: use the borrower session token to create journeys, submit profile data, list offers, proceed with an offer, and drive step APIs.
- Eventing: consume
journey.snapshotwebhooks or pollGET /api/v1/headless/journeys/{journeyID}/state. - Best for teams that want full control over native app, web app, or middleware orchestration.
API Experience status
The API Experience documentation describes the headless integration contract and onboarding model for managed customer implementations.
Next steps
Hosted Experience
Embed the complete borrower journey inside your app with an iframe.
API Experience
Build a fully headless borrower experience using platform APIs.
Hosted Integration Overview
The end-to-end hosted flow and requirements.
API Integration Overview
The end-to-end headless flow, token model, and step orchestration.