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Lokyata Developer Documentation

Welcome to the Lokyata Developer Portal. Integrate automated credit decisioning, alternative cash flow analytics, bank account verification, and fraud screening directly into your loan decisioning workflows.

API & Widget Suite#

1. ExcelRate#

Build, deploy, and refine real-time credit policies, underwriting rules, and lead-buy strategies.

2. Bank Analyze#

Automate bank account aggregation and extract transactional metrics and LDM credit risk scores.

  • Bank Analyze Overview: Integration guides for reporting and parsing statement transaction histories.
  • Bank Login Widget: Embedding the borrower sign-in UI component to connect financial accounts.
  • Customer URL API: Programmatically generate unique borrower-specific connection portals.
  • Report Status API: Retrieve transactional scoring details and transaction categories.

3. FraudBlock API#

Perform multi-factor risk searches, IP location validation, and loan velocity assessments.

  • FraudBlock Overview: Scope of fraud modules, including IP analysis, database matches, and historical checks.
  • Evaluate API (lasv3): Query application scores, IP risk variables, and 45-day application velocity counts.

Authentication#

All Lokyata APIs require header-based authorization. Include your API key in all request headers as shown below:

x-api-key: your_api_key_hereContent-Type: application/json

Environments#

EnvironmentBase URLPurpose
Sandboxhttps://sandbox.ibz.lokyata.ai/Testing integration queries (third-party credit bureau calls are mocked).
Productionhttps://api.ibz.lokyata.ai/Live application evaluation and database searches.

Connection Verification#

You can verify your connection to the Lokyata Sandbox environment by sending a test cURL query:

curl -H "x-api-key: <YOUR_SANDBOX_KEY>" \     -H "Content-Type: application/json" \     https://sandbox.ibz.lokyata.ai/health