Sender · Referral - Type B

API flow

Step-by-step instructions

Konduit will share a referral code for accessing the API.
Implement the API specification below using that referral code.
Provide the IP addresses that need to be allowlisted for test and production.
Send test leads and confirm with Konduit that all fields are received successfully.

Request API

▸Example API Header

Method	POST
Endpoint path	`/v1/affiliate/monetization/leads`
URL – Test	`https://<QA-BASE-URL>/v1/affiliate/monetization/leads`
URL – Prod	`https://<PROD-BASE-URL>/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

▸Example API Request body

Request body

{
  "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.
Use the credit-tier values agreed with Konduit. Provide the issued sub-affiliate and referral codes.
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.

Response API

Status OFFER_GENERATED_ONLINE is returned when the lead is accepted.
If a lead does not match the configured filter or exceeds the daily cap, the response status is NO_OFFER_PRE_FAIL.

▸Example: API response for accepted leads

Response

{
  "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"
}

▸Example: API response for leads not meeting filters (not accepted)

Response

{
  "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"
}