v1 · RBI Digital Lending Directions, 2025 · DPDP Act 2023

Leads API for lenders

Receive applications from customers who chose your offer, and report progress back.

Eligify is a digital lead platform, not a lender. Customers check eligibility on Eligify (with explicit consent to a credit check), see every matching lender’s published terms, and choose who to apply with. Only then are their details shared, with that lender alone.

New leads reach you by webhook (`lead.created`), or by email if you have no webhook. Use this API to list your leads and report what happened, so customers see live status and referral fees can be reconciled.

Your published APR range, loan amounts, tenure and processing fee are shown on every offer. Keep them accurate in your partner profile.

Authentication

Use the partner API key Eligify issues to your lending account. Leads are only visible to the lender they were shared with.

• Authorization

  Bearer elg_pk_<prefix>_<secret>: your partner API key (issued by Eligify, shown once)

• Content-Type

  application/json for POST requests

// Verify an Eligify webhook (Node.js)
import crypto from 'crypto';

function verifyEligifyWebhook(rawBody, signatureHeader, webhookSecret) {
  // X-Eligify-Signature: t=1760262000,v1=5f2c…
  const parts = Object.fromEntries(signatureHeader.split(',').map((p) => p.split('=')));
  const t = Number(parts.t);
  if (!t || Math.abs(Date.now() / 1000 - t) > 300) return false; // reject replays older than 5 minutes
  const expected = crypto.createHmac('sha256', webhookSecret).update(`${t}.${rawBody}`).digest('hex');
  return crypto.timingSafeEqual(Buffer.from(expected), Buffer.from(parts.v1 || ''));
}

• Webhook signature: X-Eligify-Signature: t=<unix seconds>,v1=<HMAC-SHA256 of "<t>.<raw body>"> using your webhook secret.
• Reject webhooks whose timestamp is more than 5 minutes old.
• Statuses only move forward; invalid moves return 409 INVALID_TRANSITION.

List your leads

Newest first, 50 per page. Filter with `?status=` (SHARED, CONTACTED, APPLIED, SANCTIONED, DISBURSED, REJECTED, WITHDRAWN) and `?since=<ISO date>`. Withdrawn leads no longer include applicant details.

GET /api/v1/partner/leads?status=SHARED

{
  "success": true,
  "data": [
    {
      "leadId": "lead_7c1e9a2f04b3",
      "status": "SHARED",
      "product": "PERSONAL_LOAN",
      "applicant": {
        "name": "Asha Rao",
        "phone": "9876543210",
        "email": "asha@example.com",
        "pan": "ABCPR1234K",
        "dob": "1992-04-18",
        "city": "Bengaluru",
        "pincode": "560038",
        "employmentType": "SALARIED",
        "monthlyIncome": 85000,
        "amount": 300000,
        "tenureMonths": 36
      },
      "consent": {
        "version": "2026.3-LEAD",
        "acceptedAt": "2026-10-12T09:41:00.000Z"
      },
      "createdAt": "2026-10-12T09:41:00.000Z"
    }
  ],
  "pagination": {
    "page": 1,
    "pageSize": 50,
    "total": 1
  }
}

Report progress

Move a lead forward: CONTACTED → APPLIED → SANCTIONED → DISBURSED, or REJECTED at any point before disbursal. Include amounts and APR when sanctioned or disbursed.

{
  "status": "SANCTIONED",
  "sanctionedAmount": 250000,
  "apr": 14.5
}

{
  "success": true,
  "data": {
    "status": "SANCTIONED"
  }
}

Good practice

Compliance

• Multi-lender fairness

  Eligify assesses every lender with the same rules, shows every matching offer ordered by lowest published APR, and names lenders that don’t match. Ranking never depends on referral fees.

• Lender decides

  Eligify does not lend, underwrite or disburse. Credit decisions, KFS, disbursal and recovery are the lender’s responsibility under the RBI Digital Lending Directions, 2025.

• Fees paid by the lender

  Referral fees are paid by the lender to Eligify and are never charged to the borrower.

• Consent per lender

  Each lead carries the customer’s consent to share with you specifically (version and timestamp are included). Use the data only for that application.

• Grievances

  Keep your grievance officer details current in your partner profile; they are shown to customers alongside your offer.