Request-Response Model (Gold Loan)

This document defines the Gold Loan request-response model for hosted journey integrations. It follows the same integration style as the Personal Loan journey and adds Gold Loan-specific request fields and response snapshots.

Request

`POST /api/lab/sessions` Request Format

Send API key in Authorization: Bearer ${PLATFORM_API_KEY}.
Use Content-Type: application/json.
Top-level request keys:
- borrowerProviderID (required; must remain stable per mobile number)
- journeyType (required, must be GOLD_LOAN)
- profile (required with mandatory profile fields)
- workProfile (optional)
- address (optional)
- goldLoan (optional but strongly recommended)

Basic Initialization

{
  "borrowerProviderID": "BORROWER-123",
  "journeyType": "GOLD_LOAN",
  "profile": {
    "contactNumber": "9876543210"
  }
}

Expected response for this basic initialization request:

{
  "embedUrl": "https://your-platform-domain.com/lab/embed?tenant_id={TENANT_ID}&application_id={APPLICATION_ID}&borrower_provider_id={BORROWER_PROVIDER_ID}&journey_type=GOLD_LOAN#{SESSION_TOKEN}"
}

Extended Initialization (Recommended)

{
  "borrowerProviderID": "BORROWER-123",
  "journeyType": "GOLD_LOAN",
  "profile": {
    "contactNumber": "9876543210",
    "pan": "ABCDE1234F",
    "panName": "Rahul Sharma",
    "dob": "1995-06-20",
    "gender": "male",
    "personalemail": "rahul@example.com"
  },
  "workProfile": {
    "officialemail": "rahul@company.com",
    "employmentType": "salaried",
    "income": "75000",
    "companyName": "Acme Pvt Ltd",
    "udyamNumber": null
  },
  "address": {
    "addressL1": "Flat 301, Sunrise Heights",
    "addressL2": "MG Road",
    "city": "Bengaluru",
    "state": "Karnataka",
    "pincode": "560001"
  },
  "goldLoan": {
    "userType": "individual",
    "constitution": null,
    "jewelleryWeightGrams": 52,
    "purity": "22K",
    "endUse": consumerDurablePurchase | education | travel | health | marriage | familyFunctions | medicalTreatmentAndEmergencies | travelEducationExpenses | businessExpansion | agricultureAndFarmRelatedNeeds | purchaseOfEquipment | other,
    "bureauConsent": true,
  }
}

Request Schema

Field	Type	Required	Accepted values / Notes
`borrowerProviderID`	`string`	Yes	Stable borrower identity from your system (must be unique within your client/tenant)
`journeyType`	`string`	Yes	Must be `GOLD_LOAN`
`profile`	`object`	Yes	Borrower profile prefill
`profile.contactNumber`	`string`	Yes	Indian mobile number (10 digits, optional `+91`)
`profile.pan`	`string`	No	Valid PAN, normalized uppercase
`profile.panName`	`string`	No	PAN name
`profile.dob`	`string`	No	Date string, recommended `YYYY-MM-DD`
`profile.gender`	`string`	No	Normalized to `male`, `female`, `transgender`
`profile.personalemail`	`string`	No	Valid email, normalized lowercase
`workProfile`	`object`	No	Employment prefill
`workProfile.officialemail`	`string`	No	Valid email
`workProfile.employmentType`	`string`	No	`salaried` or `selfEmployed` (aliases accepted)
`workProfile.income`	`string \| number`	No	Digits only, positive integer
`workProfile.companyName`	`string`	No	Employer / business name
`workProfile.udyamNumber`	`string \| null`	No	Allowed only for `selfEmployed`
`address`	`object`	No	Address prefill
`address.addressL1`	`string`	No	Address line 1
`address.addressL2`	`string`	No	Address line 2
`address.city`	`string`	No	City
`address.state`	`string`	No	State
`address.pincode`	`string`	No	PIN code
`goldLoan`	`object`	No	Gold Loan prefill object
`goldLoan.userType`	`string`	No	`individual` or `non-individual`
`goldLoan.constitution`	`string \| null`	No	Applicable for non-individual borrowers
`goldLoan.jewelleryWeightGrams`	`number \| string`	No	Gold weight in grams, positive
`goldLoan.purity`	`string`	No	Canonical: `24K`, `22K`, `21K`, `18K`, `14K`, `9K`
`goldLoan.endUse`	`string`	No	e.g. `businessExpansion`, `marriage`, `medicalTreatmentAndEmergencies`
`goldLoan.bureauConsent`	`boolean`	No	Must be `true` before bureau flow
`goldLoan.aaID`	`string`	No	AA handle (example: `9876543210@finvu`)
`goldLoan.requestedAmount`	`string \| number`	No	Requested loan amount
`goldLoan.requestedTenureMonths`	`number \| string`	No	Requested tenure in months

Borrower Identity Mapping (Important)

borrowerProviderID is your permanent borrower identity key.

borrowerProviderID is client-scoped, so two different clients may send the same value. We generate and use internal borrowerID as the unique borrower identifier in our platform.

Maintain a stable 1:1 mapping between:

mobile number ↔ borrowerProviderID

Example

If mobile number 8000352223 is initialized with:

borrowerProviderID = 1234

then every future session for the same mobile number must continue to send:

borrowerProviderID = 1234

What Happens If This Changes?

If you send a different ID for the same mobile number, the platform may treat the borrower as new. This can break resume continuity and post-disbursal tracking.

Integration Rule

Always send the same borrowerProviderID for the same mobile number across all sessions.

Canonical Normalization

gender normalizes to: male, female, transgender
employmentType normalizes to: salaried, selfEmployed
purity should be sent in canonical uppercase tokens, for example 22K

cURL Examples

curl --request POST "${PLATFORM_BASE_URL}/api/lab/sessions" \
  --header "Authorization: Bearer ${PLATFORM_API_KEY}" \
  --header "Content-Type: application/json" \
  --data-raw '{
    "borrowerProviderID": "BORROWER-123",
    "journeyType": "GOLD_LOAN",
    "profile": {
      "contactNumber": "9876543210"
    }
  }'

curl --request POST "${PLATFORM_BASE_URL}/api/lab/sessions" \
  --header "Authorization: Bearer ${PLATFORM_API_KEY}" \
  --header "Content-Type: application/json" \
  --data-raw '{
    "borrowerProviderID": "BORROWER-123",
    "journeyType": "GOLD_LOAN",
    "profile": {
      "contactNumber": "9876543210",
      "pan": "ABCDE1234F"
    },
     goldLoan: {
      userType: individual | non-individual,
      constitution: null,
      jewelleryWeightGrams: 52,
      purity: 22K,
      endUse: consumerDurablePurchase | education | travel | health | marriage | familyFunctions | medicalTreatmentAndEmergencies | travelEducationExpenses | businessExpansion | agricultureAndFarmRelatedNeeds | purchaseOfEquipment | other,
      bureauConsent: true,
      aaID: "9876543210@finvu"(optional)
    }
  }'

Notes

borrowerProviderID is mandatory.
journeyType = GOLD_LOAN is mandatory for Gold Loan session creation.
profile.contactNumber is mandatory.
Always validate and protect borrower PII in transit and at rest.

Response

Journey Snapshots via postMessage

The hosted journey posts snapshot updates to the parent window. Validate origin and forward to your backend if required.

"use client";
import { useEffect } from "react";

const PLATFORM_ORIGIN = "https://your-platform-domain.com";

export function useJourneySnapshots() {
  useEffect(() => {
    const handleMessage = (event: MessageEvent) => {
      if (event.origin !== PLATFORM_ORIGIN) return;
      const snapshot = event.data as { borrower?: { journeys?: unknown[] } } | null;
      if (!snapshot?.borrower?.journeys) return;
      void fetch("/api/journey-snapshots", {
        method: "POST",
        headers: { "Content-Type": "application/json" },
        body: JSON.stringify(snapshot),
      });
    };

    window.addEventListener("message", handleMessage);
    return () => window.removeEventListener("message", handleMessage);
  }, []);
}

Validate origin and protect PII

Always validate event.origin strictly. Snapshot payloads may contain sensitive borrower data.

Common Response Envelope

{
  tenant_id: "TENANT_ID",
  application_id: "APPLICATION_ID",
  borrower: {
    id: "AL_BORROWER_ID",
    tenant_id: "TENANT_ID",
    application_id: "APPLICATION_ID",
    provider_id: "BORROWER-123",
    profile: {
      Personal: {
        contactNumber: "+919876543210"
      },
      Work: {},
      Address: {},
      GoldLoan: {}
    },
    journeys: []
  }
}

locations and fulfillments are available in journey snapshots with this shape:

journeys[].lenders[].locations[]: branch/serviceability options exposed by the lender.
journeys[].fulfillments[]: operational execution objects (selected location, assigned agent, current execution state).

1. Journey Started

{
  tenant_id: string; // Tenant ID shall be provided by AL
  application_id: string; // Application ID shall be provided by AL
  borrower: {
    id: // AL generated borrower ID *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
    tenant_id: string; // Tenant ID shall be provided by AL
    application_id: string; // Application ID shall be provided by AL
    provider_id: // Tenant-provided borrower identifier (unique per borrower, usually per mobile number). *Example:* `cust_9876543210`,
    profile: { // Whatever is shared in the Request, will be passed to the tenant back in the form of Response
      Personal: {
        contactNumber: // E.164 format accepted (+91 is the only accepted country code. Post that, 10 digits accepted. Final length should be a max of 13 characters. Authenticated number should only be passed.) *Example:* `+919876543210`,
      },
    },
    journeys: [
      {}, // This array will contain all the old journeys of the borrower
      {}, // if the borrower is existing
      {}, // else it will contain just the newly created journey
      {
        id: // Internal ID for this journey (one borrower can have multiple). *Example:* `jrn_1b2c3d4e-55aa-4b21-9c11-7dd2e1b8a0ab`,
        ondc_transaction_id: // Unique ONDC transaction identifier for protocol-level correlation. *Example:* `c0a8012e-7b2f-4f2a-9e31-2f1e0c3a1a22`,
        created: // When journey was created. *Example:* `2026-01-05T12:45:00Z`,
        updated: // Last update timestamp for journey state machine. *Example:* `2026-01-05T13:20:12Z`,
        tenant_id: string; // Tenant ID shall be provided by AL
        application_id: string; // Application ID shall be provided by AL
        borrower_id: // Borrower foreign key for this journey. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
        type: `GOLD_LOAN`,
        status: `STARTED`,
        activity_status: "ACTIVE" | "IDLE" | "INACTIVE",
        decision_status: `PENDING`,
      },
    ],
  }
}

2. Application Data Collected

{
  tenant_id: string; // Tenant ID shall be provided by AL
  application_id: string; // Application ID shall be provided by AL
  borrower: {
    id: // AL generated borrower ID *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
    tenant_id: string; // Tenant ID shall be provided by AL
    application_id: string; // Application ID shall be provided by AL
    provider_id: // Tenant-provided borrower identifier (unique per borrower, usually per mobile number). *Example:* `cust_9876543210`,
    profile: { // Whatever is submitted by the Borrower, will be passed to the tenant back in the form of Response
      Personal: {
        panName: // (max 3 words accepted) The borrower’s full name exactly as it appears on their PAN record. *Example:* `Rahul Kumar Sharma`,
        dob: // this needs to be a valid ISO 8601 date (Example: YYYY-MM-DDThh:mm:ss.000Z — 2026-01-01T11:59:00.018Z (timestamp is optional, a default value of 00:00:00.000 can be used.) *Example:* `1994-08-17T00:00:00.000Z`,
        gender: // *Example:* `male`, `female` and `transgender`,
        personalemail: // (should contain at least an "@") *Example:* `rahul.sharma@gmail.com`,
        pan: // PAN-regex must be followed *Example:* `ABCDE1234F`,
        contactNumber: // E.164 format accepted (+91 is the only accepted country code. Post that, 10 digits accepted. Final length should be a max of 13 characters. Authenticated number should only be passed.) *Example:* `+919876543210`,
      },
      Work: {
        employmentType: // The borrower’s primary mode of employment or income generation. Used to determine eligibility logic, document requirements, and lender routing (e.g. salaried vs self-employed). *Example:* `salaried`,
        officialemail: // (should contain at least an "@", should not be a common e-mail like @gmail.com, @hotmail.com, @yahoo.com, etc.). *Example:* `rahul.sharma@acmecorp.in`,
        income: // (should be a valid positve integer, no commas, ) The borrower’s declared or computed income, expected as a monthly amount. *Example:* `75000`,
        companyName: // Name of the employer or business entity the borrower is associated with. *Example:* `Acme Technologies Pvt Ltd`,
        udyamNumber: // Adhere to Udyam Number RegEx. The borrower’s Udyam Registration Number, applicable only for self-employed or MSME borrowers. *Example:* `Udyam-KA-05-0123456`,
      },
      Address: {
        addressL1: // *Example:* `Flat 302, Shanti Apartments`,
        addressL2: // *Example:* `Near MG Road Metro Station`,
        city: // *Example:* `Rajkot`,
        state: // *Example:* `Gujarat`,
        pincode: // *Example:* `360001`,
      },
      GoldLoan: {
        userType: individual,
        constitution: null,
        jewelleryWeightGrams: 52,
        purity: 22K,
        endUse: consumerDurablePurchase | education | travel | health | marriage | familyFunctions | medicalTreatmentAndEmergencies | travelEducationExpenses | businessExpansion | agricultureAndFarmRelatedNeeds | purchaseOfEquipment | other,
        bureauConsent: true,
        aaID: 9876543210@finvu,
        requestedAmount: 400000,
        requestedTenureMonths: 5
      }
    },
     journeys: [
      {}, // This array will contain all the old journeys of the borrower
      {}, // if the borrower is existing
      {}, // else it will contain just the newly created journey
      {
        id: // Internal ID for this journey (one borrower can have multiple). *Example:* `jrn_1b2c3d4e-55aa-4b21-9c11-7dd2e1b8a0ab`,
        ondc_transaction_id: // Unique ONDC transaction identifier for protocol-level correlation. *Example:* `c0a8012e-7b2f-4f2a-9e31-2f1e0c3a1a22`,
        created: // When journey was created. *Example:* `2026-01-05T12:45:00Z`,
        updated: // Last update timestamp for journey state machine. *Example:* `2026-01-05T13:20:12Z`,
        tenant_id: string; // Tenant ID shall be provided by AL
        application_id: string; // Application ID shall be provided by AL
        borrower_id: // Borrower foreign key for this journey. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
        type: `GOLD_LOAN`,
        status: `PROFILED`,
        activity_status: "ACTIVE" | "IDLE" | "INACTIVE",
        decision_status: `PENDING`,
      },
    ]
  }
}

3. Offered

If no offer is received, offers will be an empty array and status is NOT_OFFERED.

{
  tenant_id: string; // Tenant ID shall be provided by AL
  application_id: string; // Application ID shall be provided by AL
  borrower: {
    id: // AL generated borrower ID *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
    tenant_id: string; // Tenant ID shall be provided by AL
    application_id: string; // Application ID shall be provided by AL
    provider_id: // Tenant-provided borrower identifier (unique per borrower, usually per mobile number). *Example:* `cust_9876543210`,
    profile: {
      Personal: {
        panName: // (max 3 words accepted) The borrower’s full name exactly as it appears on their PAN record. *Example:* `Rahul Kumar Sharma`,
        dob: // this needs to be a valid ISO 8601 date (Example: YYYY-MM-DDThh:mm:ss.000Z — 2026-01-01T11:59:00.018Z (timestamp is optional, a default value of 00:00:00.000 can be used.) *Example:* `1994-08-17T00:00:00.000Z`,
        gender: // *Example:* `male`, `female` and `transgender`,
        personalemail: // (should contain at least an "@") *Example:* `rahul.sharma@gmail.com`,
        pan: // PAN-regex must be followed *Example:* `ABCDE1234F`,
        contactNumber: // E.164 format accepted (+91 is the only accepted country code. Post that, 10 digits accepted. Final length should be a max of 13 characters. Authenticated number should only be passed.) *Example:* `+919876543210`,
      },
      Work: {
        employmentType: // The borrower’s primary mode of employment or income generation. Used to determine eligibility logic, document requirements, and lender routing (e.g. salaried vs self-employed). *Example:* `salaried`,
        officialemail: // (should contain at least an "@", should not be a common e-mail like @gmail.com, @hotmail.com, @yahoo.com, etc.). *Example:* `rahul.sharma@acmecorp.in`,
        income: // (should be a valid positve integer, no commas, ) The borrower’s declared or computed income, expected as a monthly amount. *Example:* `75000`,
        companyName: // Name of the employer or business entity the borrower is associated with. *Example:* `Acme Technologies Pvt Ltd`,
        udyamNumber: // Adhere to Udyam Number RegEx. The borrower’s Udyam Registration Number, applicable only for self-employed or MSME borrowers. *Example:* `Udyam-KA-05-0123456`,
      },
      Address: {
        addressL1: // *Example:* `Flat 302, Shanti Apartments`,
        addressL2: // *Example:* `Near MG Road Metro Station`,
        city: // *Example:* `Rajkot`,
        state: // *Example:* `Gujarat`,
        pincode: // *Example:* `360001`,
      },
      GoldLoan: {
        userType: individual,
        constitution: null,
        jewelleryWeightGrams: 52,
        purity: 22K,
        endUse: consumerDurablePurchase | education | travel | health | marriage | familyFunctions | medicalTreatmentAndEmergencies | travelEducationExpenses | businessExpansion | agricultureAndFarmRelatedNeeds | purchaseOfEquipment | other,
        bureauConsent: true,
        aaID: 9876543210@finvu,
        requestedAmount: 400000,
        requestedTenureMonths: 5
      }
    },
    journeys: [
      {
        id: // Internal ID for this journey (one borrower can have multiple). *Example:* `jrn_1b2c3d4e-55aa-4b21-9c11-7dd2e1b8a0ab`,
        ondc_transaction_id: // Unique ONDC transaction identifier for protocol-level correlation. *Example:* `c0a8012e-7b2f-4f2a-9e31-2f1e0c3a1a22`,
        created: // When journey was created. *Example:* `2026-01-05T12:45:00Z`,
        updated: // Last update timestamp for journey state machine. *Example:* `2026-01-05T13:20:12Z`,
        tenant_id: string; // Tenant ID shall be provided by AL
        application_id: string; // Application ID shall be provided by AL
        borrower_id: // Borrower foreign key for this journey. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
        type: `GOLD_LOAN`,
        status: "OFFERED",
        activity_status: "ACTIVE" | "IDLE" | "INACTIVE",
        decision_status: "APPROVED" | "NOT-APPROVED",
        lender_mode: "ONLINE" | "OFFLINE",
        lenders: [
          {
            id: // *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Lender record created timestamp. *Example:* `2026-01-05T12:50:10Z`,
            tenant_id: // Tenant partition key. *Example:* `tnt_2f6c1a9b7d`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            offer_id: // Offer FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // ONDC correlation ID for lender-level interaction. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            data: // *Example:* `[ { "on_search": { "...": "..." } } ]`,
            lender_name: // Lender name. *Example:* `Lender XYZ NBFC`,
            lender_gro_name: // Grievance Redressal Officer name (required). *Example:* `Priya Menon`,
            lender_gro_email: // GRO email. *Example:* `gro@lenderxyz.com`,
            lender_gro_contact_number: // GRO contact number. *Example:* `+91-80-40001234`,
            lender_gro_designation: // GRO designation/title. *Example:* `Grievance Redressal Officer`,
            lender_gro_address: // GRO address. *Example:* `4th Floor, Business Park, Bengaluru, KA 560001`,
            lender_customer_support_link: // Support URL. *Example:* `https://lenderxyz.com/support`,
            lender_customer_support_contact_number: // Support number. *Example:* `1800-123-456`,
            lender_customer_support_email: // Support email. *Example:* `support@lenderxyz.com`,
          },
          {
            id: // *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Lender record created timestamp. *Example:* `2026-01-05T12:50:10Z`,
            tenant_id: // Tenant partition key. *Example:* `tnt_2f6c1a9b7d`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            offer_id: // Offer FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // ONDC correlation ID for lender-level interaction. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            data: // *Example:* `[ { "on_search": { "...": "..." } } ]`,
            lender_name: // Lender name. *Example:* `Lender XYZ NBFC`,
            lender_gro_name: // Grievance Redressal Officer name (required). *Example:* `Priya Menon`,
            lender_gro_email: // GRO email. *Example:* `gro@lenderxyz.com`,
            lender_gro_contact_number: // GRO contact number. *Example:* `+91-80-40001234`,
            lender_gro_designation: // GRO designation/title. *Example:* `Grievance Redressal Officer`,
            lender_gro_address: // GRO address. *Example:* `4th Floor, Business Park, Bengaluru, KA 560001`,
            lender_customer_support_link: // Support URL. *Example:* `https://lenderxyz.com/support`,
            lender_customer_support_contact_number: // Support number. *Example:* `1800-123-456`,
            lender_customer_support_email: // Support email. *Example:* `support@lenderxyz.com`,
          },
        ],
        offers: [
          {
            id: // Internal offer record ID. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Offer created timestamp. *Example:* `2026-01-05T12:55:00Z`,
            updated: // Offer updated timestamp. *Example:* `2026-01-05T13:10:30Z`,
            tenant_id: // Tenant partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            lender_id: // Lender FK for this offer. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // Offer-level ONDC correlation ID. *Example:* `0b2c3d4e-5f60-4a7b-8c9d-001122334455`,
            accepted: false,
            expired: true | false,
            type: // *Example:* `GOLD_LOAN`,
            amount_principal: // Principal amount. *Example:* `200000`,
            amount_total_interest_payable: // Total interest payable over tenure. *Example:* `24000`,
            amount_net_disbursed_amount: // *Example:* `196500`,
            offer_term: // *Example:* `12 months`,
            interest_rate: // *Example:* `12.50`,
            interest_type: // *Example:* `Fixed` / `reducing`,
            annual_percentage_rate: // *Example:* `14.75%`,
            number_of_installments: // *Example:* `12`,
            cool_off_period: // *Example:* `3 days`,
            terms_and_conditions_link: // URL to T&C. *Example:* `https://lenderxyz.com/tnc/loan`,
            key_facts_statement_link: // URL to KFS. *Example:* `https://lenderxyz.com/kfs/loan`,
            application_fees: // *Example:* `₹0`,
            foreclosure_fees: // *Example:* `2%`,
            interest_rate_conversion_charges: // *Example:* `500 INR`,
            delay_penalty_fees: // *Example:* `5%`,
            other_penalty_fees: // *Example:* `1%`,
            processing_fees: // *Example:* `1800`,
            other_upfront_charges: // *Example:* `100`,
            insurance_charges: // *Example:* `100`,
            other_charges: // *Example:* `1000`,
            locations: [
                {
                  id: L1,
                  gps: 28.574909, 77.194029,
                  name: Mumbai Central,
                  address: 123 Marine Drive, Mumbai, Maharashtra,
                  area_code: 400001
                },
                {
                  id: L2,
                  gps: 28.584909, 77.134029,
                  name: Mumbai East,
                  address: 162 Dadar, Mumbai, Maharashtra,
                  area_code: 400001
                },
                {
                  id: L3,
                  gps: 28.584909, 77.134029,
                  name: Mumbai West,
                  address: 182 Juhu, Mumbai, Maharashtra,
                  area_code: 400001
                }
            ],
          },
          {
            id: // Internal offer record ID. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Offer created timestamp. *Example:* `2026-01-05T12:55:00Z`,
            updated: // Offer updated timestamp. *Example:* `2026-01-05T13:10:30Z`,
            tenant_id: // Tenant partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            lender_id: // Lender FK for this offer. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // Offer-level ONDC correlation ID. *Example:* `0b2c3d4e-5f60-4a7b-8c9d-001122334455`,
            accepted: false,
            expired: true | false,
            type: // *Example:* `GOLD_LOAN`,
            amount_principal: // Principal amount. *Example:* `200000`,
            amount_total_interest_payable: // Total interest payable over tenure. *Example:* `24000`,
            amount_net_disbursed_amount: // *Example:* `196500`,
            offer_term: // *Example:* `12 months`,
            interest_rate: // *Example:* `12.50`,
            interest_type: // *Example:* `Fixed` / `reducing`,
            annual_percentage_rate: // *Example:* `14.75%`,
            number_of_installments: // *Example:* `12`,
            cool_off_period: // *Example:* `3 days`,
            terms_and_conditions_link: // URL to T&C. *Example:* `https://lenderxyz.com/tnc/loan`,
            key_facts_statement_link: // URL to KFS. *Example:* `https://lenderxyz.com/kfs/loan`,
            application_fees: // *Example:* `₹0`,
            foreclosure_fees: // *Example:* `2%`,
            interest_rate_conversion_charges: // *Example:* `500 INR`,
            delay_penalty_fees: // *Example:* `5%`,
            other_penalty_fees: // *Example:* `1%`,
            processing_fees: // *Example:* `1800`,
            other_upfront_charges: // *Example:* `100`,
            insurance_charges: // *Example:* `100`,
            other_charges: // *Example:* `1000`,
          },
        ],
      },
    ],
  },
};

No-Offer Case

{
  tenant_id: string; // Tenant ID shall be provided by AL
  application_id: string; // Application ID shall be provided by AL
  borrower: {
    id: // AL generated borrower ID *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
    tenant_id: string; // Tenant ID shall be provided by AL
    application_id: string; // Application ID shall be provided by AL
    provider_id: // Tenant-provided borrower identifier (unique per borrower, usually per mobile number). *Example:* `cust_9876543210`,
    profile: {
      Personal: {
        panName: // (max 3 words accepted) The borrower’s full name exactly as it appears on their PAN record. *Example:* `Rahul Kumar Sharma`,
        dob: // this needs to be a valid ISO 8601 date (Example: YYYY-MM-DDThh:mm:ss.000Z — 2026-01-01T11:59:00.018Z (timestamp is optional, a default value of 00:00:00.000 can be used.) *Example:* `1994-08-17T00:00:00.000Z`,
        gender: // *Example:* `male`, `female` and `transgender`,
        personalemail: // (should contain at least an "@") *Example:* `rahul.sharma@gmail.com`,
        pan: // PAN-regex must be followed *Example:* `ABCDE1234F`,
        contactNumber: // E.164 format accepted (+91 is the only accepted country code. Post that, 10 digits accepted. Final length should be a max of 13 characters. Authenticated number should only be passed.) *Example:* `+919876543210`,
      },
      Work: {
        employmentType: // The borrower’s primary mode of employment or income generation. Used to determine eligibility logic, document requirements, and lender routing (e.g. salaried vs self-employed). *Example:* `salaried`,
        officialemail: // (should contain at least an "@", should not be a common e-mail like @gmail.com, @hotmail.com, @yahoo.com, etc.). *Example:* `rahul.sharma@acmecorp.in`,
        income: // (should be a valid positve integer, no commas, ) The borrower’s declared or computed income, expected as a monthly amount. *Example:* `75000`,
        companyName: // Name of the employer or business entity the borrower is associated with. *Example:* `Acme Technologies Pvt Ltd`,
        udyamNumber: // Adhere to Udyam Number RegEx. The borrower’s Udyam Registration Number, applicable only for self-employed or MSME borrowers. *Example:* `Udyam-KA-05-0123456`,
      },
      Address: {
        addressL1: // *Example:* `Flat 302, Shanti Apartments`,
        addressL2: // *Example:* `Near MG Road Metro Station`,
        city: // *Example:* `Rajkot`,
        state: // *Example:* `Gujarat`,
        pincode: // *Example:* `360001`,
      },
      GoldLoan: {
        userType: individual,
        constitution: null,
        jewelleryWeightGrams: 52,
        purity: 22K,
        endUse: consumerDurablePurchase | education | travel | health | marriage | familyFunctions | medicalTreatmentAndEmergencies | travelEducationExpenses | businessExpansion | agricultureAndFarmRelatedNeeds | purchaseOfEquipment | other,
        bureauConsent: true,
        aaID: 9876543210@finvu,
        requestedAmount: 400000,
        requestedTenureMonths: 5
      }
    },
    journeys: [
      {
        id: // Internal ID for this journey (one borrower can have multiple). *Example:* `jrn_1b2c3d4e-55aa-4b21-9c11-7dd2e1b8a0ab`,
        ondc_transaction_id: // Unique ONDC transaction identifier for protocol-level correlation. *Example:* `c0a8012e-7b2f-4f2a-9e31-2f1e0c3a1a22`,
        created: // When journey was created. *Example:* `2026-01-05T12:45:00Z`,
        updated: // Last update timestamp for journey state machine. *Example:* `2026-01-05T13:20:12Z`,
        tenant_id: string; // Tenant ID shall be provided by AL
        application_id: string; // Application ID shall be provided by AL
        borrower_id: // Borrower foreign key for this journey. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
        type: `GOLD_LOAN`,
        status: "NOT_OFFERED",
        activity_status: "ACTIVE" | "IDLE" | "INACTIVE",
        decision_status: "APPROVED" | "NOT-APPROVED",
        lender_mode: "ONLINE" | "OFFLINE",
        lenders: [
          {
            id: // *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Lender record created timestamp. *Example:* `2026-01-05T12:50:10Z`,
            tenant_id: // Tenant partition key. *Example:* `tnt_2f6c1a9b7d`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            offer_id: // Offer FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // ONDC correlation ID for lender-level interaction. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            data: // *Example:* `[ { "on_search": { "...": "..." } } ]`,
            lender_name: // Lender name. *Example:* `Lender XYZ NBFC`,
            lender_gro_name: // Grievance Redressal Officer name (required). *Example:* `Priya Menon`,
            lender_gro_email: // GRO email. *Example:* `gro@lenderxyz.com`,
            lender_gro_contact_number: // GRO contact number. *Example:* `+91-80-40001234`,
            lender_gro_designation: // GRO designation/title. *Example:* `Grievance Redressal Officer`,
            lender_gro_address: // GRO address. *Example:* `4th Floor, Business Park, Bengaluru, KA 560001`,
            lender_customer_support_link: // Support URL. *Example:* `https://lenderxyz.com/support`,
            lender_customer_support_contact_number: // Support number. *Example:* `1800-123-456`,
            lender_customer_support_email: // Support email. *Example:* `support@lenderxyz.com`,
          },
        ],
        offers: [],
      },
    ],
  },
};

4. Offer Selected

{
  tenant_id: string; // Tenant ID shall be provided by AL
  application_id: string; // Application ID shall be provided by AL
  borrower: {
    id: // AL generated borrower ID *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
    tenant_id: string; // Tenant ID shall be provided by AL
    application_id: string; // Application ID shall be provided by AL
    provider_id: // Tenant-provided borrower identifier (unique per borrower, usually per mobile number). *Example:* `cust_9876543210`,
    profile: {
      Personal: {
        panName: // (max 3 words accepted) The borrower’s full name exactly as it appears on their PAN record. *Example:* `Rahul Kumar Sharma`,
        dob: // this needs to be a valid ISO 8601 date (Example: YYYY-MM-DDThh:mm:ss.000Z — 2026-01-01T11:59:00.018Z (timestamp is optional, a default value of 00:00:00.000 can be used.) *Example:* `1994-08-17T00:00:00.000Z`,
        gender: // *Example:* `male`, `female` and `transgender`,
        personalemail: // (should contain at least an "@") *Example:* `rahul.sharma@gmail.com`,
        pan: // PAN-regex must be followed *Example:* `ABCDE1234F`,
        contactNumber: // E.164 format accepted (+91 is the only accepted country code. Post that, 10 digits accepted. Final length should be a max of 13 characters. Authenticated number should only be passed.) *Example:* `+919876543210`,
      },
      Work: {
        employmentType: // The borrower’s primary mode of employment or income generation. Used to determine eligibility logic, document requirements, and lender routing (e.g. salaried vs self-employed). *Example:* `salaried`,
        officialemail: // (should contain at least an "@", should not be a common e-mail like @gmail.com, @hotmail.com, @yahoo.com, etc.). *Example:* `rahul.sharma@acmecorp.in`,
        income: // (should be a valid positve integer, no commas, ) The borrower’s declared or computed income, expected as a monthly amount. *Example:* `75000`,
        companyName: // Name of the employer or business entity the borrower is associated with. *Example:* `Acme Technologies Pvt Ltd`,
        udyamNumber: // Adhere to Udyam Number RegEx. The borrower’s Udyam Registration Number, applicable only for self-employed or MSME borrowers. *Example:* `Udyam-KA-05-0123456`,
      },
      Address: {
        addressL1: // *Example:* `Flat 302, Shanti Apartments`,
        addressL2: // *Example:* `Near MG Road Metro Station`,
        city: // *Example:* `Rajkot`,
        state: // *Example:* `Gujarat`,
        pincode: // *Example:* `360001`,
      },
      goldLoan: {
        userType: individual | non-individual,
        constitution: null,
        jewelleryWeightGrams: 52,
        purity: 22K,
        endUse: consumerDurablePurchase | education | travel | health | marriage | familyFunctions | medicalTreatmentAndEmergencies | travelEducationExpenses | businessExpansion | agricultureAndFarmRelatedNeeds | purchaseOfEquipment | other,
        bureauConsent: true,
        aaID: "9876543210@finvu"(optional)
      }
    },
    journeys: [
      {
        id: // Internal ID for this journey (one borrower can have multiple). *Example:* `jrn_1b2c3d4e-55aa-4b21-9c11-7dd2e1b8a0ab`,
        ondc_transaction_id: // Unique ONDC transaction identifier for protocol-level correlation. *Example:* `c0a8012e-7b2f-4f2a-9e31-2f1e0c3a1a22`,
        created: // When journey was created. *Example:* `2026-01-05T12:45:00Z`,
        updated: // Last update timestamp for journey state machine. *Example:* `2026-01-05T13:20:12Z`,
        tenant_id: string; // Tenant ID shall be provided by AL
        application_id: string; // Application ID shall be provided by AL
        borrower_id: // Borrower foreign key for this journey. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
        type: `GOLD_LOAN`,
        status: "OFFER_SELECTED",
        activity_status: "ACTIVE" | "IDLE" | "INACTIVE",
        decision_status: "APPROVED" | "NOT-APPROVED",
        borrower_preferred_amount: // Borrower’s preferred loan amount. *Example:* `200000`,
        borrower_preferred_tenure: // Borrower’s preferred tenure in months. *Example:* `12`,
        lender_mode: "ONLINE" | "OFFLINE",
        lenders: [
          {
            id: // *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Lender record created timestamp. *Example:* `2026-01-05T12:50:10Z`,
            tenant_id: // Tenant partition key. *Example:* `tnt_2f6c1a9b7d`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            offer_id: // Offer FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // ONDC correlation ID for lender-level interaction. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            data: // *Example:* `[ { "on_search": { "...": "..." } } ]`,
            lender_name: // Lender name. *Example:* `Lender XYZ NBFC`,
            lender_gro_name: // Grievance Redressal Officer name (required). *Example:* `Priya Menon`,
            lender_gro_email: // GRO email. *Example:* `gro@lenderxyz.com`,
            lender_gro_contact_number: // GRO contact number. *Example:* `+91-80-40001234`,
            lender_gro_designation: // GRO designation/title. *Example:* `Grievance Redressal Officer`,
            lender_gro_address: // GRO address. *Example:* `4th Floor, Business Park, Bengaluru, KA 560001`,
            lender_customer_support_link: // Support URL. *Example:* `https://lenderxyz.com/support`,
            lender_customer_support_contact_number: // Support number. *Example:* `1800-123-456`,
            lender_customer_support_email: // Support email. *Example:* `support@lenderxyz.com`,
          },
        ],
        offers: [
          {
            id: // Internal offer record ID. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Offer created timestamp. *Example:* `2026-01-05T12:55:00Z`,
            updated: // Offer updated timestamp. *Example:* `2026-01-05T13:10:30Z`,
            tenant_id: // Tenant partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            lender_id: // Lender FK for this offer. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // Offer-level ONDC correlation ID. *Example:* `0b2c3d4e-5f60-4a7b-8c9d-001122334455`,
            accepted: false,
            expired: false,
            type: // *Example:* `GOLD_LOAN`,
            amount_principal: // Principal amount. *Example:* `200000`,
            amount_total_interest_payable: // Total interest payable over tenure. *Example:* `24000`,
            amount_net_disbursed_amount: // *Example:* `196500`,
            offer_term: // *Example:* `12 months`,
            interest_rate: // *Example:* `12.50`,
            interest_type: // *Example:* `Fixed` / `reducing`,
            annual_percentage_rate: // *Example:* `14.75%`,
            number_of_installments: // *Example:* `12`,
            cool_off_period: // *Example:* `3 days`,
            terms_and_conditions_link: // URL to T&C. *Example:* `https://lenderxyz.com/tnc/loan`,
            key_facts_statement_link: // URL to KFS. *Example:* `https://lenderxyz.com/kfs/loan`,
            application_fees: // *Example:* `₹0`,
            foreclosure_fees: // *Example:* `2%`,
            interest_rate_conversion_charges: // *Example:* `500 INR`,
            delay_penalty_fees: // *Example:* `5%`,
            other_penalty_fees: // *Example:* `1%`,
            processing_fees: // *Example:* `1800`,
            other_upfront_charges: // *Example:* `100`,
            insurance_charges: // *Example:* `100`,
            other_charges: // *Example:* `1000`,
            ltv_ratio: 75%,//Loan to Value Ratio
            location_ids: [
              "L1", //locations at which this offer is available
              "L2",
              "L3"
            ],
          },
        ],
      },
    ],
    locations: [
      {
        id: L1,
        gps: 28.574909, 77.194029,
        name: Mumbai Central,
        address: 123 Marine Drive, Mumbai, Maharashtra,
        area_code: 400001
      },
      {
        id: L2,
        gps: 28.584909, 77.134029,
        name: Mumbai East,
        address: 162 Dadar, Mumbai, Maharashtra,
        area_code: 400001
      },
      {
        id: L3,
        gps: 28.584909, 77.134029,
        name: Mumbai West,
        address: 182 Juhu, Mumbai, Maharashtra,
        area_code: 400001
      }
    ],
  },
};

5. Offer Accepted

{
  tenant_id: string; // Tenant ID shall be provided by AL
  application_id: string; // Application ID shall be provided by AL
  borrower: {
    id: // AL generated borrower ID *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
    tenant_id: string; // Tenant ID shall be provided by AL
    application_id: string; // Application ID shall be provided by AL
    provider_id: // Tenant-provided borrower identifier (unique per borrower, usually per mobile number). *Example:* `cust_9876543210`,
    profile: {
      Personal: {
        panName: // (max 3 words accepted) The borrower’s full name exactly as it appears on their PAN record. *Example:* `Rahul Kumar Sharma`,
        dob: // this needs to be a valid ISO 8601 date (Example: YYYY-MM-DDThh:mm:ss.000Z — 2026-01-01T11:59:00.018Z (timestamp is optional, a default value of 00:00:00.000 can be used.) *Example:* `1994-08-17T00:00:00.000Z`,
        gender: // *Example:* `male`, `female` and `transgender`,
        personalemail: // (should contain at least an "@") *Example:* `rahul.sharma@gmail.com`,
        pan: // PAN-regex must be followed *Example:* `ABCDE1234F`,
        contactNumber: // E.164 format accepted (+91 is the only accepted country code. Post that, 10 digits accepted. Final length should be a max of 13 characters. Authenticated number should only be passed.) *Example:* `+919876543210`,
      },
      Work: {
        employmentType: // The borrower’s primary mode of employment or income generation. Used to determine eligibility logic, document requirements, and lender routing (e.g. salaried vs self-employed). *Example:* `salaried`,
        officialemail: // (should contain at least an "@", should not be a common e-mail like @gmail.com, @hotmail.com, @yahoo.com, etc.). *Example:* `rahul.sharma@acmecorp.in`,
        income: // (should be a valid positve integer, no commas, ) The borrower’s declared or computed income, expected as a monthly amount. *Example:* `75000`,
        companyName: // Name of the employer or business entity the borrower is associated with. *Example:* `Acme Technologies Pvt Ltd`,
        udyamNumber: // Adhere to Udyam Number RegEx. The borrower’s Udyam Registration Number, applicable only for self-employed or MSME borrowers. *Example:* `Udyam-KA-05-0123456`,
      },
      Address: {
        addressL1: // *Example:* `Flat 302, Shanti Apartments`,
        addressL2: // *Example:* `Near MG Road Metro Station`,
        city: // *Example:* `Rajkot`,
        state: // *Example:* `Gujarat`,
        pincode: // *Example:* `360001`,
      },
      goldLoan: {
        userType: individual | non-individual,
        constitution: null,
        jewelleryWeightGrams: 52,
        purity: 22K,
        endUse: consumerDurablePurchase | education | travel | health | marriage | familyFunctions | medicalTreatmentAndEmergencies | travelEducationExpenses | businessExpansion | agricultureAndFarmRelatedNeeds | purchaseOfEquipment | other,
        bureauConsent: true,
        aaID: "9876543210@finvu"(optional)
      }
    },
    journeys: [
      {
        id: // Internal ID for this journey (one borrower can have multiple). *Example:* `jrn_1b2c3d4e-55aa-4b21-9c11-7dd2e1b8a0ab`,
        ondc_transaction_id: // Unique ONDC transaction identifier for protocol-level correlation. *Example:* `c0a8012e-7b2f-4f2a-9e31-2f1e0c3a1a22`,
        created: // When journey was created. *Example:* `2026-01-05T12:45:00Z`,
        updated: // Last update timestamp for journey state machine. *Example:* `2026-01-05T13:20:12Z`,
        tenant_id: string; // Tenant ID shall be provided by AL
        application_id: string; // Application ID shall be provided by AL
        borrower_id: // Borrower foreign key for this journey. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
        type: `GOLD_LOAN`,
        status: "OFFER_ACCEPTED",
        activity_status: "ACTIVE" | "IDLE" | "INACTIVE",
        decision_status: "APPROVED" | "NOT-APPROVED",
        borrower_preferred_amount: // Borrower’s preferred loan amount. *Example:* `200000`,
        borrower_preferred_tenure: // Borrower’s preferred tenure in months. *Example:* `12`,
        lender_mode: "ONLINE" | "OFFLINE",
        lenders: [
          {
            id: // *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Lender record created timestamp. *Example:* `2026-01-05T12:50:10Z`,
            tenant_id: // Tenant partition key. *Example:* `tnt_2f6c1a9b7d`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            offer_id: // Offer FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // ONDC correlation ID for lender-level interaction. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            data: // *Example:* `[ { "on_search": { "...": "..." } } ]`,
            lender_name: // Lender name. *Example:* `Lender XYZ NBFC`,
            lender_gro_name: // Grievance Redressal Officer name (required). *Example:* `Priya Menon`,
            lender_gro_email: // GRO email. *Example:* `gro@lenderxyz.com`,
            lender_gro_contact_number: // GRO contact number. *Example:* `+91-80-40001234`,
            lender_gro_designation: // GRO designation/title. *Example:* `Grievance Redressal Officer`,
            lender_gro_address: // GRO address. *Example:* `4th Floor, Business Park, Bengaluru, KA 560001`,
            lender_customer_support_link: // Support URL. *Example:* `https://lenderxyz.com/support`,
            lender_customer_support_contact_number: // Support number. *Example:* `1800-123-456`,
            lender_customer_support_email: // Support email. *Example:* `support@lenderxyz.com`,
          },
        ],
        offers: [ // Offer array may be updated with the revised offer amount (borrower preferred).
          {
            id: // Internal offer record ID. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Offer created timestamp. *Example:* `2026-01-05T12:55:00Z`,
            updated: // Offer updated timestamp. *Example:* `2026-01-05T13:10:30Z`,
            tenant_id: // Tenant partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            lender_id: // Lender FK for this offer. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // Offer-level ONDC correlation ID. *Example:* `0b2c3d4e-5f60-4a7b-8c9d-001122334455`,
            accepted: true,
            expired: false,
            type: // *Example:* `GOLD_LOAN`,
            amount_principal: // Principal amount. *Example:* `200000`,
            amount_total_interest_payable: // Total interest payable over tenure. *Example:* `24000`,
            amount_net_disbursed_amount: // *Example:* `196500`,
            offer_term: // *Example:* `12 months`,
            interest_rate: // *Example:* `12.50`,
            interest_type: // *Example:* `Fixed` / `reducing`,
            annual_percentage_rate: // *Example:* `14.75%`,
            number_of_installments: // *Example:* `12`,
            cool_off_period: // *Example:* `3 days`,
            terms_and_conditions_link: // URL to T&C. *Example:* `https://lenderxyz.com/tnc/loan`,
            key_facts_statement_link: // URL to KFS. *Example:* `https://lenderxyz.com/kfs/loan`,
            application_fees: // *Example:* `₹0`,
            foreclosure_fees: // *Example:* `2%`,
            interest_rate_conversion_charges: // *Example:* `500 INR`,
            delay_penalty_fees: // *Example:* `5%`,
            other_penalty_fees: // *Example:* `1%`,
            processing_fees: // *Example:* `1800`,
            other_upfront_charges: // *Example:* `100`,
            insurance_charges: // *Example:* `100`,
            other_charges: // *Example:* `1000`,
            ltv_ratio: 75% //Loan to value ratio,
            agent: { //Agent information will only be available for accepted loan for offline mode
              name: //Example: Rajesh Sharma,
              contact: //Example: +91-99xx99xx99xx
            },
          },
        ],
      },
    ],
  },
};

6. Lender Redirected

{
  tenant_id: string; // Tenant ID shall be provided by AL
  application_id: string; // Application ID shall be provided by AL
  borrower: {
    id: // AL generated borrower ID *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
    tenant_id: string; // Tenant ID shall be provided by AL
    application_id: string; // Application ID shall be provided by AL
    provider_id: // Tenant-provided borrower identifier (unique per borrower, usually per mobile number). *Example:* `cust_9876543210`,
    profile: {
      Personal: {
        panName: // (max 3 words accepted) The borrower’s full name exactly as it appears on their PAN record. *Example:* `Rahul Kumar Sharma`,
        dob: // this needs to be a valid ISO 8601 date (Example: YYYY-MM-DDThh:mm:ss.000Z — 2026-01-01T11:59:00.018Z (timestamp is optional, a default value of 00:00:00.000 can be used.) *Example:* `1994-08-17T00:00:00.000Z`,
        gender: // *Example:* `male`, `female` and `transgender`,
        personalemail: // (should contain at least an "@") *Example:* `rahul.sharma@gmail.com`,
        pan: // PAN-regex must be followed *Example:* `ABCDE1234F`,
        contactNumber: // E.164 format accepted (+91 is the only accepted country code. Post that, 10 digits accepted. Final length should be a max of 13 characters. Authenticated number should only be passed.) *Example:* `+919876543210`,
      },
      Work: {
        employmentType: // The borrower’s primary mode of employment or income generation. Used to determine eligibility logic, document requirements, and lender routing (e.g. salaried vs self-employed). *Example:* `salaried`,
        officialemail: // (should contain at least an "@", should not be a common e-mail like @gmail.com, @hotmail.com, @yahoo.com, etc.). *Example:* `rahul.sharma@acmecorp.in`,
        income: // (should be a valid positve integer, no commas, ) The borrower’s declared or computed income, expected as a monthly amount. *Example:* `75000`,
        companyName: // Name of the employer or business entity the borrower is associated with. *Example:* `Acme Technologies Pvt Ltd`,
        udyamNumber: // Adhere to Udyam Number RegEx. The borrower’s Udyam Registration Number, applicable only for self-employed or MSME borrowers. *Example:* `Udyam-KA-05-0123456`,
      },
      Address: {
        addressL1: // *Example:* `Flat 302, Shanti Apartments`,
        addressL2: // *Example:* `Near MG Road Metro Station`,
        city: // *Example:* `Rajkot`,
        state: // *Example:* `Gujarat`,
        pincode: // *Example:* `360001`,
      },
      goldLoan: {
        userType: individual | non-individual,
        constitution: null,
        jewelleryWeightGrams: 52,
        purity: 22K,
        endUse: consumerDurablePurchase | education | travel | health | marriage | familyFunctions | medicalTreatmentAndEmergencies | travelEducationExpenses | businessExpansion | agricultureAndFarmRelatedNeeds | purchaseOfEquipment | other,
        bureauConsent: true,
        aaID: "9876543210@finvu"(optional)
      }
    },
    journeys: [
      {
        id: // Internal ID for this journey (one borrower can have multiple). *Example:* `jrn_1b2c3d4e-55aa-4b21-9c11-7dd2e1b8a0ab`,
        ondc_transaction_id: // Unique ONDC transaction identifier for protocol-level correlation. *Example:* `c0a8012e-7b2f-4f2a-9e31-2f1e0c3a1a22`,
        created: // When journey was created. *Example:* `2026-01-05T12:45:00Z`,
        updated: // Last update timestamp for journey state machine. *Example:* `2026-01-05T13:20:12Z`,
        tenant_id: string; // Tenant ID shall be provided by AL
        application_id: string; // Application ID shall be provided by AL
        borrower_id: // Borrower foreign key for this journey. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
        type: `GOLD_LOAN`,
        status: "LENDER_REDIRECTED",
        activity_status: "ACTIVE" | "IDLE" | "INACTIVE",
        decision_status: "APPROVED" | "NOT-APPROVED",
        lender_mode: "OFFLINE" | "ONLINE",
        kyc_status: `PENDING` | `SUCCESS` | `FAILURE`,
        kyc_attempts: 1,
        emandate_status: `PENDING` | `SUCCESS` | `FAILURE`,
        emandate_attempts: 0,
        esign_status: `PENDING` | `SUCCESS` | `FAILURE`,
        esign_attempts: 0,
        change_in_offer: true | false,
        borrower_preferred_amount: // Borrower’s preferred loan amount. *Example:* `200000`,
        borrower_preferred_tenure: // Borrower’s preferred tenure in months. *Example:* `12`,
        lender_mode: "ONLINE" | "OFFLINE",
        lenders: [
          {
            id: // *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Lender record created timestamp. *Example:* `2026-01-05T12:50:10Z`,
            tenant_id: // Tenant partition key. *Example:* `tnt_2f6c1a9b7d`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            offer_id: // Offer FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // ONDC correlation ID for lender-level interaction. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            data: // *Example:* `[ { "on_search": { "...": "..." } } ]`,
            lender_name: // Lender name. *Example:* `Lender XYZ NBFC`,
            lender_gro_name: // Grievance Redressal Officer name (required). *Example:* `Priya Menon`,
            lender_gro_email: // GRO email. *Example:* `gro@lenderxyz.com`,
            lender_gro_contact_number: // GRO contact number. *Example:* `+91-80-40001234`,
            lender_gro_designation: // GRO designation/title. *Example:* `Grievance Redressal Officer`,
            lender_gro_address: // GRO address. *Example:* `4th Floor, Business Park, Bengaluru, KA 560001`,
            lender_customer_support_link: // Support URL. *Example:* `https://lenderxyz.com/support`,
            lender_customer_support_contact_number: // Support number. *Example:* `1800-123-456`,
            lender_customer_support_email: // Support email. *Example:* `support@lenderxyz.com`,
          },
        ],

        offers: [ // Offer array may be updated with the revised offer amount (borrower preferred).
          {
            id: // Internal offer record ID. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Offer created timestamp. *Example:* `2026-01-05T12:55:00Z`,
            updated: // Offer updated timestamp. *Example:* `2026-01-05T13:10:30Z`,
            tenant_id: // Tenant partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            lender_id: // Lender FK for this offer. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // Offer-level ONDC correlation ID. *Example:* `0b2c3d4e-5f60-4a7b-8c9d-001122334455`,
            accepted: true,
            expired: false,
            type: // *Example:* `GOLD_LOAN`,
            amount_principal: // Principal amount. *Example:* `200000`,
            amount_total_interest_payable: // Total interest payable over tenure. *Example:* `24000`,
            amount_net_disbursed_amount: // *Example:* `196500`,
            offer_term: // *Example:* `12 months`,
            interest_rate: // *Example:* `12.50`,
            interest_type: // *Example:* `Fixed` / `reducing`,
            annual_percentage_rate: // *Example:* `14.75%`,
            number_of_installments: // *Example:* `12`,
            cool_off_period: // *Example:* `3 days`,
            terms_and_conditions_link: // URL to T&C. *Example:* `https://lenderxyz.com/tnc/loan`,
            key_facts_statement_link: // URL to KFS. *Example:* `https://lenderxyz.com/kfs/loan`,
            application_fees: // *Example:* `₹0`,
            foreclosure_fees: // *Example:* `2%`,
            interest_rate_conversion_charges: // *Example:* `500 INR`,
            delay_penalty_fees: // *Example:* `5%`,
            other_penalty_fees: // *Example:* `1%`,
            processing_fees: // *Example:* `1800`,
            other_upfront_charges: // *Example:* `100`,
            insurance_charges: // *Example:* `100`,
            other_charges: // *Example:* `1000`,
            ltv_ratio: // *Example:* `75%`,
            agent: { //Agent information will only be available for accepted loan for offline mode
              name: //Example: Rajesh Sharma,
              contact: //Example: +91-99xx99xx99xx
            },
          },
        ],
      },
    ],
  },
};

7. Disbursed

{
  tenant_id: string; // Tenant ID shall be provided by AL
  application_id: string; // Application ID shall be provided by AL
  borrower: {
    id: // AL generated borrower ID *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
    tenant_id: string; // Tenant ID shall be provided by AL
    application_id: string; // Application ID shall be provided by AL
    provider_id: // Tenant-provided borrower identifier (unique per borrower, usually per mobile number). *Example:* `cust_9876543210`,
    profile: {
      Personal: {
        panName: // (max 3 words accepted) The borrower’s full name exactly as it appears on their PAN record. *Example:* `Rahul Kumar Sharma`,
        dob: // this needs to be a valid ISO 8601 date (Example: YYYY-MM-DDThh:mm:ss.000Z — 2026-01-01T11:59:00.018Z (timestamp is optional, a default value of 00:00:00.000 can be used.) *Example:* `1994-08-17T00:00:00.000Z`,
        gender: // *Example:* `male`, `female` and `transgender`,
        personalemail: // (should contain at least an "@") *Example:* `rahul.sharma@gmail.com`,
        pan: // PAN-regex must be followed *Example:* `ABCDE1234F`,
        contactNumber: // E.164 format accepted (+91 is the only accepted country code. Post that, 10 digits accepted. Final length should be a max of 13 characters. Authenticated number should only be passed.) *Example:* `+919876543210`,
      },
      Work: {
        employmentType: // The borrower’s primary mode of employment or income generation. Used to determine eligibility logic, document requirements, and lender routing (e.g. salaried vs self-employed). *Example:* `salaried`,
        officialemail: // (should contain at least an "@", should not be a common e-mail like @gmail.com, @hotmail.com, @yahoo.com, etc.). *Example:* `rahul.sharma@acmecorp.in`,
        income: // (should be a valid positve integer, no commas, ) The borrower’s declared or computed income, expected as a monthly amount. *Example:* `75000`,
        companyName: // Name of the employer or business entity the borrower is associated with. *Example:* `Acme Technologies Pvt Ltd`,
        udyamNumber: // Adhere to Udyam Number RegEx. The borrower’s Udyam Registration Number, applicable only for self-employed or MSME borrowers. *Example:* `Udyam-KA-05-0123456`,
      },
      Address: {
        addressL1: // *Example:* `Flat 302, Shanti Apartments`,
        addressL2: // *Example:* `Near MG Road Metro Station`,
        city: // *Example:* `Rajkot`,
        state: // *Example:* `Gujarat`,
        pincode: // *Example:* `360001`,
      },
      GoldLoan: {
        userType: individual,
        constitution: null,
        jewelleryWeightGrams: 52,
        purity: 22K,
        endUse: consumerDurablePurchase | education | travel | health | marriage | familyFunctions | medicalTreatmentAndEmergencies | travelEducationExpenses | businessExpansion | agricultureAndFarmRelatedNeeds | purchaseOfEquipment | other,
        bureauConsent: true,
      }
    },
    journeys: [
      {
        id: // Internal ID for this journey (one borrower can have multiple). *Example:* `jrn_1b2c3d4e-55aa-4b21-9c11-7dd2e1b8a0ab`,
        ondc_transaction_id: // Unique ONDC transaction identifier for protocol-level correlation. *Example:* `c0a8012e-7b2f-4f2a-9e31-2f1e0c3a1a22`,
        created: // When journey was created. *Example:* `2026-01-05T12:45:00Z`,
        updated: // Last update timestamp for journey state machine. *Example:* `2026-01-05T13:20:12Z`,
        tenant_id: string; // Tenant ID shall be provided by AL
        application_id: string; // Application ID shall be provided by AL
        borrower_id: // Borrower foreign key for this journey. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
        type: `PERSONAL_LOAN`,
        status: "DISBURSED",
        activity_status: "ACTIVE" | "IDLE" | "INACTIVE",
        decision_status: "APPROVED" | "NOT-APPROVED",
        lender_mode: "OFFLINE" | "ONLINE",
        kyc_status: `SUCCESS`,
        kyc_attempts: 1,
        emandate_status: `SUCCESS`,
        emandate_attempts: 1,
        esign_status: `SUCCESS`,
        esign_attempts: 1,
        change_in_offer: true | false,
        borrower_preferred_amount: // Borrower’s preferred loan amount. *Example:* `200000`,
        borrower_preferred_tenure: // Borrower’s preferred tenure in months. *Example:* `12`,
        lender_mode: "ONLINE" | "OFFLINE",
        lenders: [
          {
            id: // *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Lender record created timestamp. *Example:* `2026-01-05T12:50:10Z`,
            tenant_id: // Tenant partition key. *Example:* `tnt_2f6c1a9b7d`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            offer_id: // Offer FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // ONDC correlation ID for lender-level interaction. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            data: // *Example:* `[ { "on_search": { "...": "..." } } ]`,
            lender_name: // Lender name. *Example:* `Lender XYZ NBFC`,
            lender_gro_name: // Grievance Redressal Officer name (required). *Example:* `Priya Menon`,
            lender_gro_email: // GRO email. *Example:* `gro@lenderxyz.com`,
            lender_gro_contact_number: // GRO contact number. *Example:* `+91-80-40001234`,
            lender_gro_designation: // GRO designation/title. *Example:* `Grievance Redressal Officer`,
            lender_gro_address: // GRO address. *Example:* `4th Floor, Business Park, Bengaluru, KA 560001`,
            lender_customer_support_link: // Support URL. *Example:* `https://lenderxyz.com/support`,
            lender_customer_support_contact_number: // Support number. *Example:* `1800-123-456`,
            lender_customer_support_email: // Support email. *Example:* `support@lenderxyz.com`,
          },
        ],
        offers: [ // Offer array may be updated with the revised offer amount (borrower preferred).
          {
            id: // Internal offer record ID. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Offer created timestamp. *Example:* `2026-01-05T12:55:00Z`,
            updated: // Offer updated timestamp. *Example:* `2026-01-05T13:10:30Z`,
            tenant_id: // Tenant partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            lender_id: // Lender FK for this offer. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // Offer-level ONDC correlation ID. *Example:* `0b2c3d4e-5f60-4a7b-8c9d-001122334455`,
            accepted: true,
            expired: false,
            type: // *Example:* `PERSONAL_LOAN`,
            amount_principal: // Principal amount. *Example:* `200000`,
            amount_total_interest_payable: // Total interest payable over tenure. *Example:* `24000`,
            amount_net_disbursed_amount: // *Example:* `196500`,
            offer_term: // *Example:* `12 months`,
            interest_rate: // *Example:* `12.50`,
            interest_type: // *Example:* `Fixed` / `reducing`,
            annual_percentage_rate: // *Example:* `14.75%`,
            number_of_installments: // *Example:* `12`,
            cool_off_period: // *Example:* `3 days`,
            terms_and_conditions_link: // URL to T&C. *Example:* `https://lenderxyz.com/tnc/loan`,
            key_facts_statement_link: // URL to KFS. *Example:* `https://lenderxyz.com/kfs/loan`,
            application_fees: // *Example:* `₹0`,
            foreclosure_fees: // *Example:* `2%`,
            interest_rate_conversion_charges: // *Example:* `500 INR`,
            delay_penalty_fees: // *Example:* `5%`,
            other_penalty_fees: // *Example:* `1%`,
            processing_fees: // *Example:* `1800`,
            other_upfront_charges: // *Example:* `100`,
            insurance_charges: // *Example:* `100`,
            other_charges: // *Example:* `1000`,
            installments: [
              {
                serial_number: 1 (can be 1 to X, where X = no. of installments),
                type: `INSTALLMENT`,
                amount: // *Example:* `18700`,
                status: // *Example:* "PAID" | "OVERDUE" | "NOT-DUE",
                installment_due_date: // Installment due date. *Example:* `2026-02-05T00:00:00Z`,
              },
              {
                serial_number: 2 (can be 1 to X, where X = no. of installments),
                type: `INSTALLMENT`,
                amount: // *Example:* `18700`,
                status: // *Example:* "PAID" | "OVERDUE" | "NOT-DUE",
                installment_due_date: // Installment due date. *Example:* `2026-02-05T00:00:00Z`,
              },
            ],
          },
        ],
      },
    ],
  },
};

8. Collections Update

Frequent post-disbursal event for installment state updates.

{
  tenant_id: string; // Tenant ID shall be provided by AL
  application_id: string; // Application ID shall be provided by AL
  borrower: {
    id: // AL generated borrower ID *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
    tenant_id: string; // Tenant ID shall be provided by AL
    application_id: string; // Application ID shall be provided by AL
    provider_id: // Tenant-provided borrower identifier (unique per borrower, usually per mobile number). *Example:* `cust_9876543210`,
    profile: {
      Personal: {
        panName: // (max 3 words accepted) The borrower’s full name exactly as it appears on their PAN record. *Example:* `Rahul Kumar Sharma`,
        dob: // this needs to be a valid ISO 8601 date (Example: YYYY-MM-DDThh:mm:ss.000Z — 2026-01-01T11:59:00.018Z (timestamp is optional, a default value of 00:00:00.000 can be used.) *Example:* `1994-08-17T00:00:00.000Z`,
        gender: // *Example:* `male`, `female` and `transgender`,
        personalemail: // (should contain at least an "@") *Example:* `rahul.sharma@gmail.com`,
        pan: // PAN-regex must be followed *Example:* `ABCDE1234F`,
        contactNumber: // E.164 format accepted (+91 is the only accepted country code. Post that, 10 digits accepted. Final length should be a max of 13 characters. Authenticated number should only be passed.) *Example:* `+919876543210`,
      },
      Work: {
        employmentType: // The borrower’s primary mode of employment or income generation. Used to determine eligibility logic, document requirements, and lender routing (e.g. salaried vs self-employed). *Example:* `salaried`,
        officialemail: // (should contain at least an "@", should not be a common e-mail like @gmail.com, @hotmail.com, @yahoo.com, etc.). *Example:* `rahul.sharma@acmecorp.in`,
        income: // (should be a valid positve integer, no commas, ) The borrower’s declared or computed income, expected as a monthly amount. *Example:* `75000`,
        companyName: // Name of the employer or business entity the borrower is associated with. *Example:* `Acme Technologies Pvt Ltd`,
        udyamNumber: // Adhere to Udyam Number RegEx. The borrower’s Udyam Registration Number, applicable only for self-employed or MSME borrowers. *Example:* `Udyam-KA-05-0123456`,
      },
      Address: {
        addressL1: // *Example:* `Flat 302, Shanti Apartments`,
        addressL2: // *Example:* `Near MG Road Metro Station`,
        city: // *Example:* `Rajkot`,
        state: // *Example:* `Gujarat`,
        pincode: // *Example:* `360001`,
      },
      goldLoan: {
        userType: individual | non-individual,
        constitution: null,
        jewelleryWeightGrams: 52,
        purity: 22K,
        endUse: consumerDurablePurchase | education | travel | health | marriage | familyFunctions | medicalTreatmentAndEmergencies | travelEducationExpenses | businessExpansion | agricultureAndFarmRelatedNeeds | purchaseOfEquipment | other,
        bureauConsent: true,
        aaID: "9876543210@finvu"(optional)
      }
    },
    journeys: [
      {
        id: // Internal ID for this journey (one borrower can have multiple). *Example:* `jrn_1b2c3d4e-55aa-4b21-9c11-7dd2e1b8a0ab`,
        ondc_transaction_id: // Unique ONDC transaction identifier for protocol-level correlation. *Example:* `c0a8012e-7b2f-4f2a-9e31-2f1e0c3a1a22`,
        created: // When journey was created. *Example:* `2026-01-05T12:45:00Z`,
        updated: // Last update timestamp for journey state machine. *Example:* `2026-01-05T13:20:12Z`,
        tenant_id: string; // Tenant ID shall be provided by AL
        application_id: string; // Application ID shall be provided by AL
        borrower_id: // Borrower foreign key for this journey. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
        type: `GOLD_LOAN`,
        status: "DISBURSED",
        activity_status: "ACTIVE" | "IDLE" | "INACTIVE",
        decision_status: "APPROVED" | "NOT-APPROVED",
        lender_mode: "OFFLINE" | "ONLINE",
        kyc_status: `SUCCESS`,
        kyc_attempts: 1,
        emandate_status: `SUCCESS`,
        emandate_attempts: 1,
        esign_status: `SUCCESS`,
        esign_attempts: 1,
        change_in_offer: true | false,
        borrower_preferred_amount: // Borrower’s preferred loan amount. *Example:* `200000`,
        borrower_preferred_tenure: // Borrower’s preferred tenure in months. *Example:* `12`,
        lender_mode: "ONLINE" | "OFFLINE",
        lenders: [
          {
            id: // *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Lender record created timestamp. *Example:* `2026-01-05T12:50:10Z`,
            tenant_id: // Tenant partition key. *Example:* `tnt_2f6c1a9b7d`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            offer_id: // Offer FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // ONDC correlation ID for lender-level interaction. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            data: // *Example:* `[ { "on_search": { "...": "..." } } ]`,
            lender_name: // Lender name. *Example:* `Lender XYZ NBFC`,
            lender_gro_name: // Grievance Redressal Officer name (required). *Example:* `Priya Menon`,
            lender_gro_email: // GRO email. *Example:* `gro@lenderxyz.com`,
            lender_gro_contact_number: // GRO contact number. *Example:* `+91-80-40001234`,
            lender_gro_designation: // GRO designation/title. *Example:* `Grievance Redressal Officer`,
            lender_gro_address: // GRO address. *Example:* `4th Floor, Business Park, Bengaluru, KA 560001`,
            lender_customer_support_link: // Support URL. *Example:* `https://lenderxyz.com/support`,
            lender_customer_support_contact_number: // Support number. *Example:* `1800-123-456`,
            lender_customer_support_email: // Support email. *Example:* `support@lenderxyz.com`,
          },
        ],
        offers: [ // Offer array may be updated with the revised offer amount (borrower preferred).
          {
            id: // Internal offer record ID. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            created: // Offer created timestamp. *Example:* `2026-01-05T12:55:00Z`,
            updated: // Offer updated timestamp. *Example:* `2026-01-05T13:10:30Z`,
            tenant_id: // Tenant partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            application_id: // Application partition key. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            borrower_id: // Borrower FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            journey_id: // Journey FK. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            lender_id: // Lender FK for this offer. *Example:* `8D8AC610-566D-4EF0-9C22-186B2A5ED793`,
            ondc_transaction_id: // Offer-level ONDC correlation ID. *Example:* `0b2c3d4e-5f60-4a7b-8c9d-001122334455`,
            accepted: true,
            expired: false,
            type: // *Example:* `PERSONAL_LOAN`,
            amount_principal: // Principal amount. *Example:* `200000`,
            amount_total_interest_payable: // Total interest payable over tenure. *Example:* `24000`,
            amount_net_disbursed_amount: // *Example:* `196500`,
            offer_term: // *Example:* `12 months`,
            interest_rate: // *Example:* `12.50`,
            interest_type: // *Example:* `Fixed` / `reducing`,
            annual_percentage_rate: // *Example:* `14.75%`,
            number_of_installments: // *Example:* `12`,
            cool_off_period: // *Example:* `3 days`,
            terms_and_conditions_link: // URL to T&C. *Example:* `https://lenderxyz.com/tnc/loan`,
            key_facts_statement_link: // URL to KFS. *Example:* `https://lenderxyz.com/kfs/loan`,
            application_fees: // *Example:* `₹0`,
            foreclosure_fees: // *Example:* `2%`,
            interest_rate_conversion_charges: // *Example:* `500 INR`,
            delay_penalty_fees: // *Example:* `5%`,
            other_penalty_fees: // *Example:* `1%`,
            processing_fees: // *Example:* `1800`,
            other_upfront_charges: // *Example:* `100`,
            insurance_charges: // *Example:* `100`,
            other_charges: // *Example:* `1000`,
            last_installment_date: // *Example:* `2026-02-05T00:00:00Z`,
            last_installment_status: // *Example:* "PAID" | "OVERDUE",
            ltv_ratio: //Example: 75%,
            installments: [
              {
                serial_number: 1 (can be 1 to X, where X = no. of installments),
                type: `INSTALLMENT`,
                amount: // *Example:* `18700`,
                status: // *Example:* "PAID" | "OVERDUE" | "NOT-DUE",
                installment_due_date: // Installment due date. *Example:* `2026-02-05T00:00:00Z`,
              },
              {
                serial_number: 2 (can be 1 to X, where X = no. of installments),
                type: `INSTALLMENT`,
                amount: // *Example:* `18700`,
                status: // *Example:* "PAID" | "OVERDUE" | "NOT-DUE",
                installment_due_date: // Installment due date. *Example:* `2026-02-05T00:00:00Z`,
              },
            ],
            agent: { //Agent information will only be available for accepted loan for offline mode
              name: //Example: Rajesh Sharma,
              contact: //Example: +91-99xx99xx99xx
            },
          },
        ],
      },
    ],
  },
};

Request-Response Model (Gold Loan)

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