Hybrid Experience | Credit Platform | Documentation

Hybrid Experience lets you collect borrower information and present credit offers in your own product, then continue the selected application in Aarthik Labs’ Hosted Experience.

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 continue 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.

Business Loan offer discovery can return both BUSINESS_LOAN offers and PERSONAL_LOAN offers suitable for self-employed borrowers. Use each offer’s productType to show the correct product. Keep the data.journey.id returned by Create A Journey and pass it as journeyID when polling and requesting a Hosted handoff. Availability depends on your application and its enabled lending partners.

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.

Business Loan capabilities

The Business Loan experience brings these capabilities together around one journeyID:

Dedupe (optional): Check whether participating lenders permit the borrower to continue. Start with hashed or unhashed identifiers, then read lender results with GET.
Eligibility (optional): Assess preliminary eligibility using Bureau, Banking or GST information independently or together. Dedupe is not a prerequisite. Start with POST and read the assessment with GET.
Create A Journey: Submit the borrower profile and begin offer discovery.
Poll for Offers: Retrieve available offers and their current status.
Poll for Offer & Hand-Off Link: Retrieve the selected offer and open its Hosted Experience URL.

Dedupe and Eligibility are independently optional. The first call creates a journey when journeyID is omitted. Reuse its returned ID as the query parameter on each subsequent call, including Create A Journey. See Business Loans for all four sequences.

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.

Supported Product Paths

Product	Start path
Personal Loan	`POST /api/v1/hybrid/personal-loan/borrowers/{borrowerProviderID}/journey`
Gold Loan	`POST /api/v1/hybrid/gold-loan/borrowers/{borrowerProviderID}/journey`
Loan Against Mutual Funds, including Credit Lines and Term Loans	`POST /api/v1/hybrid/loan-against-mutual-funds/borrowers/{borrowerProviderID}/journey`
Business Loan	`POST /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

Important for mobile apps: The Hosted handoff URL starts the selected-offer execution journey; it does not complete the loan journey by itself. If your Hybrid flow runs inside a mobile app, your app must support the Mobile App Bridge before opening Hosted Experience. Hosted may emit bridge events for lender verification steps such as KYC, e-mandate, e-sign, lender redirection, or exit handling. Read Mobile App Bridge before launching mobile Hybrid journeys.

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
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:

credit offer discovery
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

Start Here

Integrations Guide explains how to start offer discovery, poll offers, and continue a selected offer.
Business Loans explains the Business Loan integration and product types.
Offer Polling & Rate Limits explains the offer-fetch SLA, Account Aggregator timing, accepted poll cadence, and 429 handling.
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.