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.
| Method | POST |
|---|---|
| Endpoint path | /v1/affiliate/monetization/leads |
| URL – Test | https://qa-affiliate.konduitworks.com/v1/affiliate/monetization/leads |
| URL – Prod | https://affiliate.konduitworks.com/v1/affiliate/monetization/leads |
| Headers - Test | Accept: application/json Authorization: To be issued by Konduit Channel: API Content-Type: application/json; charset=utf-8 Institution-Id: LGR Partner-Id: To be issued by Konduit |
| Headers – Prod | Accept: application/json Authorization: To be issued by Konduit Channel: API Content-Type: application/json; charset=utf-8 Institution-Id: LGR Partner-Id: To be issued by Konduit |
{
"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@konduitworks.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": "Mozilla/5.0 (Linux; Android 10; K) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/152.0.0.0 Mobile Safari/537.36",
"marketingContentStatus": "<marketingContentStatus>",
"termsAndConditionAcceptance": "<termsAndConditionAcceptance>",
"applicationTimestamp": "2026-07-03T08:15:30Z",
"bankAccountType": "checking",
"abaRoutingNumber": "000000000",
"productType": "PersonalLoan"
}schedule may be MONTHLY or ANNUALLY; provide salary on the same basis.empStatus may be Job Income, Self Employed, Benefits, Pensions, Social Security, Disability Income, Military, or Other.leadFlow is ONLINE; applicationTimestamp is UTC in ISO 8601 format.productType is the lead’s requested product. Accepted values are PersonalLoan, CashAdvance, CreditBuilder, BusinessLoan, and AutoLoan.{
"accepted": true,
"applicationStatus": "OFFER_GENERATED_ONLINE",
"code": 200,
"details": "Request processed successfully.",
"appOfferStatus": "OFFER_GENERATED_ONLINE",
"redirect_url": "https://www.example.com",
"tracking_id": "37e90102-f375-4bf3-bc7a-0d2ad0791f7c"
}{
"accepted": false,
"applicationStatus": "NO_OFFER_PRE_FAIL",
"code": 200,
"details": "No offer found.",
"appOfferStatus": "NO_OFFER_PRE_FAIL",
"tracking_id": "37e90102-f375-4bf3-bc7a-0d2ad0791f7c"
}This guide is for partners sending leads to Konduit through a URL (non-API). Use URL parameters only for the low-sensitivity tracking and product-selection fields listed below; they will be pre-populated on the landing page.
Never place sensitive information in query strings. Do not send SSNs, driver’s license numbers, dates of birth, bank routing numbers, bank account numbers, or other sensitive values in URL parameters. Query strings can be exposed through browser history, logs, referrer headers, and analytics. Collect sensitive values only through the secure HTTPS form or authenticated API.
<URL shared by Konduit>?<FieldName1>=<Value1>&<FieldName2>=<Value2>productType works but producttype does not.productType must exactly match the value provided by Konduit.<QA URL>?productType=PersonalLoan&campaign=social_fb2&sub_affiliate=2342&lead_id=185643&zip=11022&loanAmount=5000| Field name | Purpose | Value | Example |
|---|---|---|---|
campaign | Campaign name used for tracking | string | social_fb2 |
sub_affiliate | Affiliate code used for tracking | string | 2342 |
lead_id | Partner lead ID used for tracking | string | 185643 |
productType | Offer the lead is requesting (required if Konduit configured more than one offer) | string | PersonalLoan |
loanAmount | Requested loan amount | numeric, without commas or decimals | 5000 |
zip | Five-digit ZIP code | numeric | 11022 |
Setup requirement: These examples are illustrative. Konduit provides partner-specific credentials, authentication, signature, and replay-protection requirements directly during setup. Partners must complete and validate that setup before production. lead_id must be an opaque identifier with no customer data.
The dashboard provides lead-level conversion data in real time that can be downloaded as CSV. URL and webhook postback are also available on request.
You can receive data through a URL in a GET request. Provide your URL in the format below.
Example URL format:
https://yourdomain.com?param1=value1¶m2=value2
Expected response:
HTTP Status Code: 200 OK Upon successful receipt of the data, your system should return a 200 OK status to confirm that the postback was processed correctly.
Available parameters:
| Parameter name | Type | Description | Example |
|---|---|---|---|
lead_id | String | Lead ID for the transaction | 12345 |
amount | Float | Transaction amount | 1.00 |
timestamp | datetime | Date and time of the event | 01/01/2024 01:01:01 |
To set up a webhook postback, provide the endpoint URL where you want to receive data. Konduit will send the following body:
Webhook payload:
{
"lead_id": "12345",
"amount": "100.00",
"timestamp": "01/01/2024 01:01:01"
}The success or error response can be customized; below is the standard response we expect. Expected webhook success response:
HTTP Status Code: 200 OK
Response body (JSON):
{
"status": "success",
"message": "Transaction processed successfully."
}Expected error response example:
HTTP Status Code: 400 Bad Request
Response body (JSON):
{
"status": "error",
"message": "<Reason of Error>"
}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"
}