DocumentationHosted Experience

Hosted Experience

Hosted Experience is the fastest way to offer Aarthik Labs credit journeys inside your own product. Your back-end creates an embeddable URL for a borrower, and your front-end opens that URL in an approved browser surface such as an iframe, webview, app shell, or browser tab.

After the URL opens, Aarthik Labs owns the borrower journey UI and run-time flow. Your product stays responsible for deciding when to show the journey, protecting the shared API key, passing a stable borrower identity, and creating a fresh URL when the borrower needs to start or resume.

Use this guide when you want to publish a credit journey quickly without building every borrower screen, lender step, and product-specific state transition yourself.

Hosted Experience also includes post-disbursal servicing. Borrowers can use the hosted surface to raise issues or grievances, foreclose an eligible loan, make a pre-part payment, or clear a missed EMI when those actions are available for the loan.

What You Build

Your integration has two trusted parts:

  • Your back-end calls Aarthik Labs APIs with a shared API key.
  • Your front-end asks your back-end for an embedURL and opens it for the borrower.

The browser never receives the API key. It only receives the short-lived embedURL.

Hosted Flow

  1. Your app decides that a borrower should enter a credit journey.
  2. Your front-end calls your back-end.
  3. Your back-end optionally checks which credit products are available for the tenant or application.
  4. Your back-end calls POST /api/lab/sessions with the borrower identity, journey type, and optional pre-fill data.
  5. Aarthik Labs returns embedURL.
  6. Your back-end returns only embedURL to your front-end.
  7. Your front-end opens the URL and the borrower continues in the Hosted Experience.

Supported Products

Hosted Experience currently documents these borrower journeys:

  • Personal Loan
  • Gold Loan

Use GET /api/lab/features to read which products are enabled for your API key scope before showing product-specific entry points in your app.

When To Use Hosted Experience

Choose Hosted Experience when you want to:

  • launch personal-loan or gold-loan journeys quickly
  • avoid building the complete borrower journey UI yourself
  • keep offer, and post-selection screens (lender, E-KYC, E-Mandate, E-Sign) platform-managed
  • keep IGM and lender-dependent collection flows platform-managed after disbursal
  • keep platform credentials on your back-end
  • give borrowers a consistent journey across web and mobile surfaces
  • start with minimal borrower data and improve conversion with deeper pre-fill later

Your Responsibilities

AreaWhat your team owns
Borrower identitySend a stable borrowerProviderID for the same borrower across sessions.
API key safetyStore the platform API key only on your back-end.
Product placementDecide where Personal Loan or Gold Loan entry points appear in your app.
Pre-fill qualitySend only borrower data that you are allowed to share and that you believe is accurate.
Embed surfaceUse an allowlisted domain and provide iframe or webview permissions required by the journey.
Refresh behaviorCreate a fresh embedURL when a borrower returns later or an older URL expires.

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