> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.credit.aarthiklabs.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.credit.aarthiklabs.com/_mcp/server.

# Overview

> Backend API contracts for common platform APIs, Hosted Experience, Hybrid Experience, and Web-Hooks.

Use this API Reference when your back-end needs to work with Aarthik Labs programmatically. These APIs are meant for trusted server-side use and should be called with a platform API key.

## Base URLs

| Environment    | Base URL                                 |
| -------------- | ---------------------------------------- |
| Production     | `https://credit.aarthiklabs.com`         |
| Pre-Production | `https://preprod.credit.aarthiklabs.com` |

## Authentication

Send the platform API key from your back-end using `Authorization: Bearer <PLATFORM_API_KEY>`. Do not call these APIs directly from browsers or mobile apps.

## Sections

| Section           | Use it for                                                                                        |
| ----------------- | ------------------------------------------------------------------------------------------------- |
| Common APIs       | Reading the lender product catalogue used by both Hosted Experience and Hybrid Experience.        |
| Hosted Experience | Creating embeddable Hosted Experience URLs.                                                       |
| Hybrid Experience | Creating borrower journeys, polling offers, and reading hand-off URLs into the Hosted Experience. |
| Web-Hooks         | Reading, subscribing, and un-subscribing application web-hook callback configuration.             |

## Integration Notes

Use `tenantID` and `applicationID` from the same tenant/application scope as the API key. Store identifiers returned by the APIs in your back-end so web-hooks, borrower journeys, and operational support flows can be reconciled later.