DocumentationHybrid Experience

Hybrid Experience

Hybrid Experience is for teams that want the borrower journey to feel like their own product while still relying on Aarthik Labs for lender orchestration and hosted downstream execution.

Your product owns borrower onboarding, profile capture, offer wait states, lender-grouped offer presentation, and offer selection. After the borrower selects an offer, your back-end requests a Hosted Experience URL and your app opens that URL so Aarthik Labs can complete the selected-offer journey.

Hybrid Experience product paths use the same three back-end calls: start or resume the journey, poll offers, and request a Hosted handoff URL after offer selection. The API Reference includes Personal Loan, Gold Loan, Loan Against Mutual Funds, and Business Loan.

This is the middle path between a fully Hosted integration and a fully API-owned integration. You keep control where brand, conversion, and borrower trust matter most, while Aarthik Labs owns the lender-specific complexity that begins after offer selection.

Where Hybrid Fits

ExperienceBest for
Hosted ExperienceTeams that want the fastest launch and are happy for Aarthik Labs to own the full borrower journey UI.
Hybrid ExperienceTeams that want a branded borrower acquisition and offer-selection flow, with Aarthik Labs taking over downstream execution.
API ExperienceTeams that want to own every borrower-facing screen and every orchestration decision end-to-end.

Supported Product Paths

ProductStart path
Personal LoanPOST /api/v1/hybrid/personal-loan/borrowers/{borrowerProviderID}/journey
Gold LoanPOST /api/v1/hybrid/gold-loan/borrowers/{borrowerProviderID}/journey
Loan Against Mutual Funds, including Credit Lines and Term LoansPOST /api/v1/hybrid/loan-against-mutual-funds/borrowers/{borrowerProviderID}/journey
Business LoanPOST /api/v1/hybrid/business-loan/borrowers/{borrowerProviderID}/journey

Use the matching product prefix for the offers and Hosted handoff calls. The request body does not need to choose the product again unless your integration sends journeyType; if it does, it must match the URL product.

Architecture

Journey Sequence

Ownership Boundaries

StagePrimary surfacePrimary owner
Borrower entryYour product UIYour team
Profile captureYour product UIYour team
Offer wait statesYour product UIYour team
Lender-grouped offer listYour product UIYour team
Offer selectionYour product UIYour team
Hosted handoffHosted ExperienceAarthik Labs
KFS, KYC, mandates, agreements, lender redirectsHosted ExperienceAarthik Labs
Post-disbursal servicingHosted ExperienceAarthik Labs

What You Build

Your product should build:

  • borrower entry and onboarding screens
  • profile capture and validation
  • offer-fetch loading and retry states
  • lender-grouped offer display
  • branch display for Gold Loan lender groups when branches are returned
  • optional Account Aggregator call-to-action when the API returns one
  • offer selection and confirmation
  • hosted handoff opening behavior
  • web-hook receiver for lifecycle updates

What Aarthik Labs Handles

Aarthik Labs handles:

  • lender discovery and offer-fetch orchestration
  • Account Aggregator handoff URLs when required for a product/lender flow
  • Hosted handoff URL generation after offer selection
  • selected-offer execution inside Hosted Experience
  • product-specific Hosted continuation, tracking, and post-disbursal access after handoff
  • KFS, KYC, mandate, agreement, and lender redirect handling
  • post-disbursal servicing, including IGM and supported collection flows
  • journey lifecycle web-hooks

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