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.
- ExcelRate Overview: Architectural overview of the underwriting workflow engine.
- Lead Buy API: Determine whether to purchase borrower leads in real-time.
- Lead Price Reject API: Handle real-time pricing negotiations and resubmit offers.
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/FBAv3): 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_here
Content-Type: application/json