> 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.

# Hosted Experience

> Embed a complete Aarthik Labs borrower journey using a back-end-created URL.

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 the lender product catalogue 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

| Area              | What your team owns                                                                            |
| ----------------- | ---------------------------------------------------------------------------------------------- |
| Borrower identity | Send a stable `borrowerProviderID` for the same borrower across sessions.                      |
| API key safety    | Store the platform API key only on your back-end.                                              |
| Product placement | Decide where Personal Loan or Gold Loan entry points appear in your app.                       |
| Pre-fill quality  | Send only borrower data that you are allowed to share and that you believe is accurate.        |
| Embed surface     | Use an allowlisted domain and provide `iframe` or webview permissions required by the journey. |
| Refresh behavior  | Create a fresh `embedURL` when a borrower returns later or an older URL expires.               |

## Start Here

* [Quickstart](/documentation/hosted-experience/quickstart) gives you the shortest working path.
* [Back-End Integrations](/documentation/hosted-experience/back-end-integrations) shows how to keep Aarthik Labs calls server-side.
* [Buyer-Supplied Bureau Data](/documentation/common/buyer-supplied-bureau-data) explains how to pass optional bureau report data during URL creation.
* [Front-End Integrations](/documentation/hosted-experience/front-end-integrations/overview) shows how to open the Hosted Experience.
* [NextJS Examples](/documentation/hosted-experience/front-end-integrations/next-js-examples) shows a web embed example.
* [Mobile App Bridge](/documentation/common/mobile-applications/bridge) and [Mobile App Permissions](/documentation/common/mobile-applications/permissions) explain mobile application requirements.
* [Post-Disbursal Servicing](/documentation/hosted-experience/post-disbursal-servicing/overview) explains IGM, foreclosure, pre-part payment, and missed EMI payment flows.
* [Request & Prefill Model](/documentation/hosted-experience/request-prefill-model) explains minimal and extended Personal Loan and Gold Loan payloads.
* [Web-Hooks](/documentation/web-hooks-v-1) explains lifecycle updates your back-end should receive.
* [Go-Live Checklist](/documentation/hosted-experience/go-live-checklist) helps you prepare for production rollout.