Hybrid Experience | Credit Platform | Documentation

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.

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

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

Architecture

Journey Sequence

Ownership Boundaries

Stage	Primary surface	Primary owner
Borrower entry	Your product UI	Your team
Profile capture	Your product UI	Your team
Offer wait states	Your product UI	Your team
Lender-grouped offer list	Your product UI	Your team
Offer selection	Your product UI	Your team
Hosted handoff	Hosted Experience	Aarthik Labs
KFS, KYC, mandates, agreements, lender redirects	Hosted Experience	Aarthik Labs
Post-disbursal servicing	Hosted Experience	Aarthik 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
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
Hosted handoff URL generation after offer selection
selected-offer execution inside Hosted Experience
KFS, KYC, mandate, agreement, and lender redirect handling
post-disbursal servicing, including IGM and supported collection flows
journey lifecycle web-hooks

Start Here

Integrations Guide explains the three back-end calls in the Hybrid flow.
Buyer-Supplied Bureau Data explains how to pass optional bureau report data when starting a journey.
Account Aggregator Flow explains how AA readiness, consent, callback, and offer polling work.
Hosted Handoff explains how to move the borrower from your UI into Hosted Experience.
Web-Hooks explains lifecycle updates your back-end should receive.
Post-Disbursal Servicing explains IGM and collection actions after disbursal.