# Credit Platform | Documentation | Aarthik Labs

## Instructions for AI Agents

- For clean Markdown of any page, append `.md` to the page URL
- For section-specific indexes, append `/llms.txt` to any section URL
- For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.credit.aarthiklabs.com/_mcp/server

## Docs

- [Overview](https://docs.credit.aarthiklabs.com/documentation/overview.md): Understand the Aarthik Labs credit journey across Hosted and Hybrid experiences.
- [Hosted Experience](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/overview.md): Embed a complete Aarthik Labs borrower journey using a back-end-created URL.
- [Quickstart](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/quickstart.md): Create your first Hosted Experience URL and open it for a borrower.
- [Back-End Integrations](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/back-end-integrations.md): Keep the API key server-side and return only the Hosted Experience URL to your app.
- [Front-End Integrations](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/front-end-integrations/overview.md): Request an embed URL from your back-end and open the Hosted Experience for the borrower.
- [NextJS Examples](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/front-end-integrations/next-js-examples.md): Use a NextJS client component to request an embed URL from your back-end and open the Hosted Experience.
- [Exit Button](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/front-end-integrations/exit-button.md): Show an Exit action inside Hosted Experience and handle the borrower exit event in your app.
- [Post-Disbursal Servicing](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/post-disbursal-servicing/overview.md): Help borrowers continue their credit journey after disbursal with built-in IGM and collection flows.
- [Issues & Grievances Management](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/post-disbursal-servicing/issues-grievances-management.md): Understand how borrower issues and grievances are handled inside the credit journey.
- [Collections & Repayment Actions](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/post-disbursal-servicing/collections-repayment-actions.md): Understand foreclosure, pre-part payment, and missed EMI payment flows inside the credit journey.
- [Request & Prefill Model](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/request-prefill-model.md): Understand the borrower identity, product selection, and pre-fill payloads for Hosted Experience.
- [Go-Live Checklist](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/go-live-checklist.md): Prepare your Hosted Experience integration for production.
- [Troubleshooting](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/troubleshooting.md): Common Hosted Experience issues and how to resolve them.
- [FAQ](https://docs.credit.aarthiklabs.com/documentation/hosted-experience/faq.md): Practical answers for Hosted Experience integrations.
- [Hybrid Experience](https://docs.credit.aarthiklabs.com/documentation/hybrid-experience/overview.md): Own the pre-offer borrower journey in your product, then hand off selected-offer execution to Aarthik Labs.
- [Integrations Guide](https://docs.credit.aarthiklabs.com/documentation/hybrid-experience/integrations-guide/overview.md): Start offer discovery, poll for offers, and continue a selected offer in Hosted Experience.
- [Offer Polling & Rate Limits](https://docs.credit.aarthiklabs.com/documentation/hybrid-experience/integrations-guide/offer-polling-rate-limits.md): Implement the Hybrid Experience offer polling cadence, Account Aggregator timing, and 429 handling.
- [Business Loans](https://docs.credit.aarthiklabs.com/documentation/hybrid-experience/integrations-guide/business-loans.md): Discover business credit offers and continue a selected offer with one integration.
- [Business Loan Dedupe](https://docs.credit.aarthiklabs.com/documentation/hybrid-experience/integrations-guide/business-loan-dedupe.md): Check participating lenders with asynchronous start and read APIs using hashed or unhashed identifiers.
- [Eligibility Inputs](https://docs.credit.aarthiklabs.com/documentation/hybrid-experience/integrations-guide/eligibility-inputs.md): Assess eligibility using Bureau, Banking and GST information.
- [Account Aggregator Flow](https://docs.credit.aarthiklabs.com/documentation/hybrid-experience/account-aggregator-flow.md): Understand how Account Aggregator consent unlocks lender offers inside Hybrid Experience.
- [Hosted Handoff](https://docs.credit.aarthiklabs.com/documentation/hybrid-experience/hosted-handoff.md): Move the borrower from your Hybrid UI into Hosted Experience after offer selection.
- [Exit Button](https://docs.credit.aarthiklabs.com/documentation/hybrid-experience/exit-button.md): Handle the Hosted Exit action after a Hybrid borrower is handed off to Hosted Experience.
- [Post-Disbursal Servicing](https://docs.credit.aarthiklabs.com/documentation/hybrid-experience/post-disbursal-servicing/overview.md): Help borrowers continue their credit journey after disbursal with built-in IGM and collection flows.
- [Issues & Grievances Management](https://docs.credit.aarthiklabs.com/documentation/hybrid-experience/post-disbursal-servicing/issues-grievances-management.md): Understand how borrower issues and grievances are handled inside the credit journey.
- [Collections & Repayment Actions](https://docs.credit.aarthiklabs.com/documentation/hybrid-experience/post-disbursal-servicing/collections-repayment-actions.md): Understand foreclosure, pre-part payment, and missed EMI payment flows inside the credit journey.
- [Buyer-Supplied Bureau Data](https://docs.credit.aarthiklabs.com/documentation/common/buyer-supplied-bureau-data.md): Pass optional borrower-authorized bureau report data in Hosted or Hybrid journeys.
- [Mobile App Bridge](https://docs.credit.aarthiklabs.com/documentation/common/mobile-applications/bridge.md): Handle Hosted and Hybrid lender steps safely inside mobile apps.
- [Mobile App Permissions](https://docs.credit.aarthiklabs.com/documentation/common/mobile-applications/permissions.md): Prepare mobile apps for camera, location, file upload, and WebView permission handling in Hosted and Hybrid journeys.
- [Web-Hooks (V1)](https://docs.credit.aarthiklabs.com/documentation/web-hooks-v-1.md): Receive signed journey snapshot events across Aarthik Labs experiences.
- [Web-Hooks (V2)](https://docs.credit.aarthiklabs.com/documentation/web-hooks-v-2.md): Receive clean Hybrid Experience journey lifecycle snapshots for offers, Account Aggregator, offer acceptance, lender redirection, rejection, and disbursal.
- [Overview](https://docs.credit.aarthiklabs.com/api-reference/overview.md): Backend API contracts for common platform APIs, Hosted Experience, Hybrid Experience, and Web-Hooks.

## API Docs

- API Reference > Common APIs [Read Lender Product Catalogue](https://docs.credit.aarthiklabs.com/api-reference/common-ap-is/read-hosted-lender-product-catalogue.md)
- API Reference > Hosted Experience [Create Embeddable URL](https://docs.credit.aarthiklabs.com/api-reference/hosted-experience/create-hosted-session.md)
- API Reference > Hybrid Experience > Personal Loans [Create A Journey — Personal Loans](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/personal-loans/start-or-resume-hybrid-personal-loan-journey.md)
- API Reference > Hybrid Experience > Personal Loans [Read (Poll) Offers](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/personal-loans/poll-hybrid-personal-loan-offers.md)
- API Reference > Hybrid Experience > Personal Loans [Read Offer (And Hand-Off URL)](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/personal-loans/get-hybrid-hosted-experience-url.md)
- API Reference > Hybrid Experience > Gold Loans [Create A Journey — Gold Loans](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/gold-loans/start-or-resume-hybrid-gold-loan-journey.md)
- API Reference > Hybrid Experience > Gold Loans [Read Gold Loan Offers](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/gold-loans/poll-hybrid-gold-loan-offers.md)
- API Reference > Hybrid Experience > Gold Loans [Read Gold Loan Offer And Hand-Off URL](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/gold-loans/get-hybrid-gold-loan-hosted-experience-url.md)
- API Reference > Hybrid Experience > Loan Against Mutual Funds [Create A Journey — Loans Against Mutual Funds](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/loan-against-mutual-funds/start-or-resume-hybrid-lamf-journey.md)
- API Reference > Hybrid Experience > Loan Against Mutual Funds [Read Loan Against Mutual Funds Offers](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/loan-against-mutual-funds/poll-hybrid-lamf-offers.md)
- API Reference > Hybrid Experience > Loan Against Mutual Funds [Read Loan Against Mutual Funds Offer And Hand-Off URL](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/loan-against-mutual-funds/get-hybrid-lamf-hosted-experience-url.md)
- API Reference > Hybrid Experience > Business Loan [Start Dedupe](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/business-loan/start-hybrid-business-loan-dedupe.md)
- API Reference > Hybrid Experience > Business Loan [Fetch Dedupe Results](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/business-loan/read-hybrid-business-loan-dedupe.md)
- API Reference > Hybrid Experience > Business Loan [Start Eligibility](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/business-loan/evaluate-hybrid-business-loan-eligibility.md)
- API Reference > Hybrid Experience > Business Loan [Fetch Eligibility Results](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/business-loan/read-hybrid-business-loan-eligibility.md)
- API Reference > Hybrid Experience > Business Loan [Create A Journey](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/business-loan/start-or-resume-hybrid-business-loan-journey.md)
- API Reference > Hybrid Experience > Business Loan [Fetch (Poll) Offers](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/business-loan/poll-hybrid-business-loan-offers.md)
- API Reference > Hybrid Experience > Business Loan [Fetch (Poll) Offer & Hand-Off Link](https://docs.credit.aarthiklabs.com/api-reference/hybrid-experience/business-loan/get-hybrid-business-loan-hosted-experience-url.md)
- API Reference > Web-Hooks [Read Configuration](https://docs.credit.aarthiklabs.com/api-reference/web-hooks/read-application-web-hook-configuration.md)
- API Reference > Web-Hooks [Subscribe](https://docs.credit.aarthiklabs.com/api-reference/web-hooks/subscribe-application-web-hooks.md)
- API Reference > Web-Hooks [Un-Subscribe](https://docs.credit.aarthiklabs.com/api-reference/web-hooks/unsubscribe-application-web-hooks.md)

## OpenAPI Specification

The raw OpenAPI 3.1 specification for this API is available at:
- [OpenAPI JSON](https://docs.credit.aarthiklabs.com/openapi.json)
- [OpenAPI YAML](https://docs.credit.aarthiklabs.com/openapi.yaml)