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API ReferenceHybrid ExperienceBusiness Loan

Start Dedupe

Begin with a simple check to understand whether a borrower can proceed with participating lending partners. Share the borrower’s identifiers in the format configured for your application—hashed or unhashed—and Aarthik Labs starts the Dedupe check.

This is an optional first step. The response gives you a journey ID to carry through the application. Use Fetch Dedupe Results to view the outcome, then continue with Eligibility or Create A Journey using the same ID.

Authentication

AuthorizationBearer

Send Authorization: Bearer <PLATFORM_API_KEY> from a trusted back-end.

Path parameters

borrowerProviderIDstringRequired1-128 characters

Stable borrower identity from the partner system. Keep a 1:1 mapping between the borrower and borrowerProviderID across sessions and application attempts to preserve resume, history, and post-disbursal continuity.

Headers

Idempotency-KeystringOptional1-255 characters

Start-attempt retry key. Use a fresh key for each new application attempt. Reuse the same key only when retrying the same Start request after a timeout or temporary failure. If omitted, the platform creates a fresh non-idempotent attempt with a server-generated internal key for compatibility; retries without a client key can create duplicate attempts.

x-correlation-idstringOptional1-128 characters

Optional caller-supplied trace identifier. When omitted, the API generates one and mirrors it as correlation_id.

Query parameters

journeyIDstringOptionalformat: "uuid"
Omit to create a journey. Supply the journeyID returned by Dedupe or Eligibility to continue the same borrower journey. Keep borrowerProviderID unchanged. An invalid, expired, unknown or unauthorized ID must not create a replacement journey.

Request

This endpoint expects an object.
journeyType"BUSINESS_LOAN"Required
identifiersobjectRequired

Provide at least one of pan or mobileNumber. The identifier representation is configured for your application by Aarthik Labs; do not send a mode flag. Example hashes are synthetic opaque values, not an algorithm specification.

Response

Dedupe operation accepted. Store data.journeyID, then call Fetch Dedupe Results. Polling guidance is returned by the Fetch Results API, not this response.
request_idstring
correlation_idstring
timestampdatetime
dataobject
errorany

Errors

400
Bad Request Error
401
Unauthorized Error
403
Forbidden Error
409
Conflict Error
424
Failed Dependency Error
429
Too Many Requests Error
500
Internal Server Error
503
Service Unavailable Error