How applicant data is delivered
An overview for lending partners evaluating a direct integration — full field-level schema is shared during onboarding, not published here.
This page is a reference overview, not a full specification. For complete field-level documentation, contact our partnerships team.
partnership@neercred.comThe delivery model
NeerCred pushes a structured applicant record into your existing intake system when an applicant matches your eligibility criteria — you don't call us, we call you, using the authentication and request format your system already expects. Every applicant is delivered once per lender, deduplicated before delivery.
What's in a delivered applicant record
Applicant identity & contact
Verified name and phone (OTP-confirmed before delivery), email, and PAN where your product requires it.
Loan request details
Requested amount, tenure, purpose, and a computed EMI — not a raw text field.
Eligibility & KYC status
Whether the applicant already passed your stated basic criteria, and where their KYC stands, with references to submitted documents rather than raw files inline.
Delivery metadata
A unique idempotency key per push and a source/timestamp, so retries are safely identifiable on your side too.
Delivery guarantees
- At-least-once delivery with automatic retry on transient failure.
- Idempotency key on every push — safe to use for de-duplication on your side too.
- No blind resends on ambiguous failure. If a push might have partially reached you, we flag it for manual reconciliation instead of risking a duplicate applicant record on your end.
What we need to scope your integration
- 1. Your intake endpoint, or preferred delivery mechanism if not yet built.
- 2. The authentication method your system expects.
- 3. Required vs. optional fields on your side, and any naming/format constraints.
- 4. Expected volume, so we can agree on rate limits and retry behavior.
- 5. A test/sandbox endpoint if available, for a pilot before production traffic.
Want the full field-level schema?
We share the detailed request/response reference directly once we're scoping a real integration with your team — reach out to our partnerships team at partnership@neercred.com.
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