Overview | Credit Platform | Documentation

Aarthik Labs helps your product offer complete digital credit journeys without building every lender integration, borrower screen, operational workflow, and post-disbursal action from scratch.

The platform supports the full borrower lifecycle: profile capture, lender discovery, offer fetching, Account Aggregator consent flows, offer presentation, lender-driven KYC and agreement steps, status tracking, disbursement, collections actions, and issues & grievances management.

You can expose this journey through either Hosted Experience or Hybrid Experience. Both experiences use the same underlying credit platform. The difference is how much of the borrower-facing journey your product owns directly.

Journey At A Glance

What The Journey Includes

Stage	What Aarthik Labs supports	Why it matters
Borrower profiling	Capture or receive personal, work, address, end-use, consent, and product-specific details. Gold Loan journeys can also include collateral details.	Gives lenders the information required to evaluate the borrower and reduces repeated data entry.
Eligible lender submission	Submit the borrower profile to eligible lenders across the network.	Lets one borrower journey reach multiple lender integrations through a common platform.
Offer fetching	Fetch offers from lenders across the network and keep the journey moving as lender responses arrive.	Helps borrowers compare available options instead of being locked into a single lender path.
Account Aggregator	Handle consent for bank-account information through the Account Aggregator flow and fetch AA-based offers when required.	Enables richer lender evaluation where bank-account data is needed for underwriting.
Offer presentation	Show complete offer details, charges, repayment information, and provisional Key Facts Statement (KFS) transparently to the borrower.	Builds borrower trust and supports informed offer selection.
Lender execution	Continue through lender-driven E-KYC, E-Mandate, and E-Sign flows.	Lets lenders complete regulated downstream steps inside their own required flows.
Status tracking	Track offer and journey status from journey start through disbursement.	Helps your product, support teams, and operations teams understand where the borrower is.
Post-disbursal servicing	Support foreclosure, pre-part payment, and missed EMI payment flows when available for the lender and loan.	Gives borrowers important repayment actions after disbursement.
Issues & Grievances Management	Let borrowers raise and track issues and grievances from the journey.	Provides an operational support layer across borrower journeys.

Borrower Profiling

Borrower profiling is the first major part of the journey. The platform can work with minimal pre-fill, but richer pre-fill usually gives the borrower a smoother experience and gives lenders better evaluation context.

The profile can include:

personal details
work and income details
current and permanent address details
loan end-use
borrower consent
collateral details for Gold Loan journeys

In Hosted Experience, your back-end can pass minimal or extended pre-fill while Aarthik Labs owns the borrower-facing capture screens. In Hybrid Experience, your product can own the profile capture UI and submit the profile through the Hybrid APIs.

Read Request & Prefill Model for the documented Personal Loan and Gold Loan pre-fill shapes.

Offer Discovery And Selection

After borrower profiling, the platform submits the borrower profile to eligible lenders across the network and fetches available offers. Offers can come from standard lender evaluation as well as Account Aggregator based evaluation when bank-account consent is required.

Borrowers should see offer information transparently. The journey should make it clear what the offer amount, tenure, pricing, charges, repayment expectations, and provisional Key Facts Statement (KFS) look like before the borrower commits to a lender path.

For Hybrid integrations, read Account Aggregator Flow, Integrations Guide, and Hosted Handoff.

Lender Execution

Once a borrower selects an offer, lender-specific downstream steps can begin. These may include:

E-Know-Your-Customer (E-KYC)
E-Mandate
E-Sign
lender redirects or lender-owned confirmation steps

These steps are driven by the lender’s required flow. Aarthik Labs keeps the borrower journey connected while preserving the lender-specific execution requirements behind each offer.

In Hosted Experience, these steps happen inside the hosted borrower surface. In Hybrid Experience, the borrower is handed off into the Hosted Experience after offer selection so Aarthik Labs can complete the selected-offer execution path.

Status Tracking And Web-Hooks

The platform tracks journey and offer status from the start of the journey through disbursement. Your back-end should subscribe to web-hooks so your product and operations teams can stay updated without relying only on front-end state.

Use Web-Hooks to understand lifecycle updates, or use the API Reference to read configuration, subscribe, and un-subscribe.

Post-Disbursal Servicing

Aarthik Labs also supports borrowers after disbursement. These flows are part of the hosted borrower surface and are available to both Hosted and Hybrid experiences.

Collections actions such as foreclosure, pre-part payment, and missed EMI payment are lender-dependent. When the lender supports them for a loan, the borrower can complete those actions through the hosted surface.

Issues & Grievances Management is available across offline and online journeys for Personal Loan and Gold Loan. It helps borrowers raise issues and track statuses such as PROCESSING, RESOLVED, and CLOSED.

Read Hosted Post-Disbursal Servicing or Hybrid Post-Disbursal Servicing for the detailed module documentation.

How Hosted And Hybrid Differ

Both experiences can use the same platform capabilities. The difference is ownership of the borrower-facing surface.

Capability	Hosted Experience	Hybrid Experience
Product availability	Your back-end can read available credit products before opening the journey.	Your back-end can decide what product flow to start based on your own UI and application logic.
Borrower profiling	Aarthik Labs owns the borrower-facing capture screens. Your back-end can pass pre-fill.	Your product can own profile capture and submit borrower data to Aarthik Labs APIs.
Lender submission and offers	Aarthik Labs handles lender submission and offer progression inside the hosted journey.	Aarthik Labs handles lender orchestration while your product can own offer wait states and offer display before handoff.
Account Aggregator	Handled inside the hosted borrower journey when required.	Exposed as part of the Hybrid flow so your product can guide the borrower into the AA step and continue polling for offers.
Offer selection	Aarthik Labs owns the hosted offer selection flow.	Your product can own offer selection, then request a Hosted handoff URL for downstream execution.
E-KYC, E-Mandate, E-Sign	Completed inside Hosted Experience.	Completed after handoff into Hosted Experience.
Status tracking	Web-hooks and hosted state keep your systems updated.	API polling, Hosted handoff, and web-hooks keep your systems updated.
Post-disbursal servicing	Available inside Hosted Experience.	Available inside the hosted handoff surface used by Hybrid.

Start With The Right Surface

Need	Start here
Fastest way to launch the complete journey	Hosted Experience
Back-end-created embeddable URL	Hosted Quickstart and Create Embeddable URL API
Own borrower onboarding and offer selection in your product	Hybrid Experience
Understand AA consent and AA-based offer fetching	Account Aggregator Flow
Receive lifecycle updates on your back-end	Web-Hooks
Read exact request and response contracts	API Reference

For most teams, start with Hosted Experience if speed-to-market is the priority. Choose Hybrid Experience if your product needs to own borrower acquisition, profile capture, offer comparison, or offer selection before Aarthik Labs takes over lender-specific execution.