Read (Poll) Offers
Read-only API-key call. Pass the Start response data.journey.id as journeyID to poll the intended application attempt. Poll this endpoint using data.polling.nextPoll until selectable OFFER_RECEIVED offers, an actionable data.account_aggregator.url, NOT_OFFERED, NOT_PROFILED, or data.polling.shouldPoll = false is returned. NOT_PROFILED is terminal and returns no lenders or polling instruction because borrower profiling did not complete. Calls before nextPoll can return 429 with OFFER_POLL_RATE_LIMITED. Calls made before a recent Start Journey request finishes initializing can return 429 with HYBRID_JOURNEY_NOT_READY and data.polling.shouldPoll = true. If journeyID is omitted, borrower-only fallback is legacy behavior and may return a 409 ambiguity error when the same borrower has multiple active Hybrid application attempts.
Authentication
Send Authorization: Bearer <PLATFORM_API_KEY> from a trusted back-end.
Path parameters
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
Optional caller-supplied trace identifier. When omitted, the API generates one and mirrors it as correlation_id.
Query parameters
Journey ID returned as data.journey.id by Start. Send this on Offers and Hosted handoff calls to continue the intended application attempt. The journey_id query parameter and x-aarthiklabs-journey-id header aliases are also accepted. If more than one alias is sent, all values must match.
Response
Current Hybrid offer state. Personal Loan and Business Loan use the Personal Loan-style lender-grouped offer shape. Gold Loan responses do not include Account Aggregator in Hybrid right now and can include lender branch locations. Loan Against Mutual Funds uses its own offer schema because lender groups do not expose minimum or maximum loan amounts.