Interswitch Lending API — Loans

naftiko: 1.0.0-alpha2
info:
  label: Interswitch Lending API — Loans
  description: Provider discovery, offer evaluation, loan funding, and repayment for nano loans, salary lending, and value financing.
  tags:
  - Interswitch
  - Lending
  - Loans
  created: '2026-05-24'
  modified: '2026-05-24'
binds:
- namespace: env
  keys:
    INTERSWITCH_BEARER_TOKEN: INTERSWITCH_BEARER_TOKEN
capability:
  consumes:
  - type: http
    namespace: lending-loans
    baseUri: https://sandbox.interswitchng.com
    resources:
    - name: providers
      path: /lending-service/api/v1/offers/providers
      operations:
      - name: listLoanProviders
        method: GET
        description: List available loan providers.
        outputRawFormat: json
        outputParameters: [{ name: result, type: array, value: $. }]
    - name: offers
      path: /lending-service/api/v3/offers
      operations:
      - name: listLoanOffers
        method: GET
        description: List loan offers for a customer.
        outputRawFormat: json
        outputParameters: [{ name: result, type: array, value: $. }]
        inputParameters:
        - { name: customerId, in: query, type: string, required: true }
        - { name: amount, in: query, type: integer, required: false }
    - name: accept-offer
      path: /lending-service/api/v1/offers/{offerId}/accept
      operations:
      - name: acceptLoanOffer
        method: POST
        description: Accept a loan offer.
        outputRawFormat: json
        outputParameters: [{ name: result, type: object, value: $. }]
        inputParameters:
        - { name: offerId, in: path, type: string, required: true }
    - name: fund-loan
      path: /lending-service/api/v1/loans/{loanId}/fund
      operations:
      - name: fundLoan
        method: POST
        description: Disburse loan funds.
        outputRawFormat: json
        outputParameters: [{ name: result, type: object, value: $. }]
        inputParameters:
        - { name: loanId, in: path, type: string, required: true }
    - name: debit-loan
      path: /lending-service/api/v1/loans/{loanId}/debit
      operations:
      - name: debitLoanRepayment
        method: POST
        description: Debit repayment for a loan.
        outputRawFormat: json
        outputParameters: [{ name: result, type: object, value: $. }]
        inputParameters:
        - { name: loanId, in: path, type: string, required: true }
        - { name: body, in: body, type: object, required: true }
    - name: customer-status
      path: /lending-service/api/v1/users/{customerId}/status
      operations:
      - name: getCustomerLoanStatus
        method: GET
        description: Get customer loan status.
        outputRawFormat: json
        outputParameters: [{ name: result, type: object, value: $. }]
        inputParameters:
        - { name: customerId, in: path, type: string, required: true }
    authentication:
      type: apikey
      key: Authorization
      value: 'Bearer {{env.INTERSWITCH_BEARER_TOKEN}}'
      placement: header
  exposes:
  - type: mcp
    namespace: lending-loans-mcp
    port: 9090
    transport: http
    tools:
    - name: interswitch-list-loan-providers
      description: List available loan providers.
      hints: { readOnly: true, destructive: false, idempotent: true }
      call: lending-loans.listLoanProviders
      outputParameters: [{ type: array, mapping: $. }]
    - name: interswitch-list-loan-offers
      description: List loan offers for a customer.
      hints: { readOnly: true, destructive: false, idempotent: true }
      call: lending-loans.listLoanOffers
      with: { customerId: tools.customerId, amount: tools.amount }
      outputParameters: [{ type: array, mapping: $. }]
    - name: interswitch-accept-loan-offer
      description: Accept a loan offer.
      hints: { readOnly: false, destructive: false, idempotent: false }
      call: lending-loans.acceptLoanOffer
      with: { offerId: tools.offerId }
      outputParameters: [{ type: object, mapping: $. }]
    - name: interswitch-fund-loan
      description: Disburse loan funds.
      hints: { readOnly: false, destructive: false, idempotent: false }
      call: lending-loans.fundLoan
      with: { loanId: tools.loanId }
      outputParameters: [{ type: object, mapping: $. }]
    - name: interswitch-debit-loan-repayment
      description: Debit repayment for a loan.
      hints: { readOnly: false, destructive: false, idempotent: false }
      call: lending-loans.debitLoanRepayment
      with: { loanId: tools.loanId, body: tools.body }
      outputParameters: [{ type: object, mapping: $. }]
    - name: interswitch-get-customer-loan-status
      description: Get customer loan status.
      hints: { readOnly: true, destructive: false, idempotent: true }
      call: lending-loans.getCustomerLoanStatus
      with: { customerId: tools.customerId }
      outputParameters: [{ type: object, mapping: $. }]