The Konduit exchange has two sides. Senders submit referrals. Receivers publish what they will buy and respond to what they are sent. Every call is JSON over HTTPS.
Indicate interest anonymously, then submit a full referral as Type A or Type B.
Define the product you want, the senders allowed to reach you, and how you respond to each referral.
Partners can indicate interest based on anonymous or pseudonymous information. Identity and supporting details are disclosed progressively after the customer chooses to proceed.
{
"need": "invoice_financing",
"business_state": "NY",
"annual_revenue_band": "1m_to_5m",
"requested_amount_band": "100k_to_250k",
"consent_status": "not_yet_granted"
}
Non-identifying attributes used to match against eligible demand.
{
"product_requested": "business_line_of_credit",
"state": "NY",
"business_age_months": 36,
"annual_revenue_band": "500k_to_1m",
"industry": "wholesale",
"consent_state": "pending"
}
{
"applicants": [
{
"address": {
"streetAddress": "5416 Brewer Rd",
"zipCode": "35071",
"city": "Gardendale",
"state": "AL"
},
"employers": [
{
"schedule": "MONTHLY",
"salary": 30000,
"empStatus": "Self Employed",
"jobTitle": "Manager",
"selfEmployed": true
}
],
"firstName": "Clark",
"lastName": "Kent",
"primaryPhone": "7042931679",
"email": "ckent@aol.com",
"dob": "mm/dd/yyyy"
}
],
"collateral": {
"loanAmount": "6000.00"
},
"leadId": "ed4c570e::69ac2cf07234479aad987d550127bb59",
"creditTier": "fair",
"subAffiliateId": "f5hht0jst5",
"referralCode": "XXXXXXX",
"loanPurpose": "RTL",
"leadFlow": "ONLINE",
"ip": "<ip>",
"category": "<category>",
"dateOfVisit": "mm/dd/yyyy",
"openDate": "mm/dd/yyyy",
"clickDate": "mm/dd/yyyy"
}
schedulestringrequiredMONTHLY or ANNUALLY.
salarynumberrequiredGross salary for the period given in schedule.
empStatusstringrequiredJob Income, Self Employed, Benefits, Pensions, Social Security, Disability Income, Military, or Other.
jobTitlestringoptionalOptional.
selfEmployedbooleanoptionalOptional. Send this only if Self Employed is not already the value of empStatus.
subAffiliateIdstringrequiredYour sub-affiliate code. Helps Konduit optimise your traffic.
referralCodestringrequiredThe referral code issued to you by Konduit.
loanPurposestringrequiredAlways send RTL.
leadFlowstringrequiredAlways send ONLINE.
ipstringoptionalOptional.
categorystringoptionalOptional.
dateOfVisitstringoptionalOptional. Format mm/dd/yyyy.
openDatestringoptionalOptional. Format mm/dd/yyyy.
clickDatestringoptionalOptional. Format mm/dd/yyyy.
{
"applicants": [
{
"address": {
"streetAddress": "5416 Brewer Rd",
"zipCode": "35071",
"city": "Gardendale",
"state": "AL",
"timeAtAddress": "<timeAtAddress>"
},
"employers": [
{
"schedule": "MONTHLY",
"salary": 30000,
"empStatus": "Self Employed",
"jobTitle": "Manager",
"selfEmployed": true,
"payFrequency": "<payFrequency>",
"nextPayDate": "mm/dd/yyyy",
"employmentLength": "<employmentLength>",
"workCompanyName": "<workCompanyName>"
}
],
"firstName": "Clark",
"lastName": "Kent",
"primaryPhone": "7042931679",
"email": "ckent@aol.com",
"dob": "mm/dd/yyyy"
}
],
"collateral": {
"loanAmount": "6000.00"
},
"leadId": "ed4c570e::69ac2cf07234479aad987d550127bb59",
"creditTier": "fair",
"subAffiliateId": "f5hht0jst5",
"referralCode": "XXXXXXX",
"leadFlow": "ONLINE",
"ip": "<ip>",
"category": "<category>",
"dateOfVisit": "mm/dd/yyyy",
"openDate": "mm/dd/yyyy",
"clickDate": "mm/dd/yyyy",
"userAgent": "<userAgent>",
"marketingContentStatus": "<marketingContentStatus>",
"termsAndConditionAcceptance": "<termsAndConditionAcceptance>",
"applicationTimestamp": "2026-07-03T08:15:30Z"
}
schedulestringrequiredMONTHLY or ANNUALLY, matching whether salary is a monthly or annual figure.
empStatusstringrequiredJob Income, Self Employed, Benefits, Pensions, Social Security, Disability Income, Military, or Other.
selfEmployedbooleanoptionalSend this only if Self Employed is not already the value of empStatus.
subAffiliateIdstringrequiredYour sub-affiliate code. Helps Konduit optimise your traffic.
referralCodestringrequiredThe referral code issued to you by Konduit.
leadFlowstringrequiredAlways send ONLINE.
applicationTimestampstringrequiredUTC, ISO 8601.
A receiver defines a referral program. The sender sees the product, requirements, price, service metrics and anonymized receiver reputation — but not necessarily the receiver's identity.
{
"product": "business_line_of_credit",
"geographies": ["NY", "NJ", "PA"],
"business_age_months_min": 12,
"annual_revenue_min": 250000,
"industries_excluded": ["gambling"],
"price_model": "qualified_lead",
"price": 75,
"capacity_per_day": 100,
"required_fields": [
"business_name",
"contact_name",
"email",
"annual_revenue_band"
]
}
Receivers do not need to approve every publisher manually. Instead, they define the conditions under which Konduit may approve one automatically.
publisher_requirements: verification_level: enhanced business_age_months: 12 permitted_channels: - owned_content - customer_referrals prohibited_channels: - purchased_email - incentivized_traffic complaint_rate_max: 0.5% consent_template: buyer_approved_v3 jurisdictions: - NY - NJ - PA commercial_terms: payable_event: accepted_lead price: 40 attribution_window_days: 30 duplicate_window_days: 90 daily_capacity: 100
Returned when a referral is received and evaluated.
{
"status": "suppressed",
"reason": "active_application_exists",
"evidence_timestamp": "2026-08-02T14:31:00Z",
"chargeable": false
}
Sent once the outcome of a referral is known.
{
"konduit_id": "tracking-id-here",
"price": 25.5,
"status_text": 1,
"event": "funded",
"loan_amount": 10000,
"income": 5000,
"email": "test@test.com",
"credit_tier": "good",
"first_name": "John",
"zip_code": 12345,
"phone_number": 5551234567,
"unsecured_debt_1000_or_more": "yes",
"vehicle_loan_free": "no"
}