# Developer Platform

<h2 align="center">Tendar Documentation</h2>

<p align="center">Welcome to the Tendar Developer Documentation! Here, you'll learn how to build seamless and powerful lending experiences using the Tendar API.</p>

### **Quick start**

<table data-card-size="large" data-column-title-hidden data-view="cards"><thead><tr><th data-type="image"></th><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th><th data-hidden data-card-cover data-type="image">Cover image</th></tr></thead><tbody><tr><td><a href="https://2093065959-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FiEPTfAt86ITe42xE5kCN%2Fuploads%2F0LAb8uZcJ0ii4KX1a35j%2FSend.svg?alt=media&#x26;token=cf386465-88f1-4aff-9bee-3e660bef1d65"> </a></td><td><strong>Send Funds Instantly</strong></td><td>Automate loan payouts and transfer money to customer bank accounts in real time.</td><td><a href="https://app.gitbook.com/s/LA8XKSWAGBBYnbNhZCxp/disbursement">DISBURSEMENT</a></td><td><a href="https://2093065959-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FiEPTfAt86ITe42xE5kCN%2Fuploads%2FJCOMM6SuADlXiwW8JyLY%2Fdisbu.svg?alt=media&#x26;token=49224fbc-a831-4ac9-b398-ad38f66249ba">disbu.svg</a></td></tr><tr><td><a href="https://2093065959-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FiEPTfAt86ITe42xE5kCN%2Fuploads%2FzhLCtKML69guWC7JW4hn%2FWallet.svg?alt=media&#x26;token=6a31ecdb-beff-4054-b513-eff2b8bdd7f2"> </a></td><td><strong>Collect Repayments Seamlessly</strong></td><td>Recover loan repayments automatically via direct debit, cards, or bank transfers.</td><td><a href="https://app.gitbook.com/s/LA8XKSWAGBBYnbNhZCxp/recollection">RECOLLECTION</a></td><td><a href="https://2093065959-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FiEPTfAt86ITe42xE5kCN%2Fuploads%2FT5K1fKWlEq7eQknxdtyQ%2Freco.svg?alt=media&#x26;token=a083578e-1130-48e9-a68d-9b752fd8e472">reco.svg</a></td></tr><tr><td><a href="https://2093065959-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FiEPTfAt86ITe42xE5kCN%2Fuploads%2FgwKFbcsWprjMOWiVne4h%2FScan.svg?alt=media&#x26;token=843d8473-f1dc-436f-9001-27b93a3add5b"> </a></td><td><strong>Verify Your Customers</strong></td><td>Authenticate identities and onboard users securely with fast KYC checks.</td><td><a href="https://app.gitbook.com/s/LA8XKSWAGBBYnbNhZCxp/onboarding">ONBOARDING</a></td><td><a href="https://2093065959-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FiEPTfAt86ITe42xE5kCN%2Fuploads%2FuzEQyLqrwh1UBChBOTqW%2Fkyc.svg?alt=media&#x26;token=9809b98e-2bd4-4569-a99d-339940551986">kyc.svg</a></td></tr><tr><td><a href="https://2093065959-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FiEPTfAt86ITe42xE5kCN%2Fuploads%2FfNMiqogPF1vhFTHhf1XF%2FGraph.svg?alt=media&#x26;token=44ca9195-ad19-4a12-b49e-4981e8128779"> </a></td><td><strong>Assess Customer Risk</strong></td><td>Analyze financial behavior to generate accurate credit scores for smarter lending decisions.</td><td><a href="https://app.gitbook.com/s/LA8XKSWAGBBYnbNhZCxp/credit-scoring">CREDIT SCORING</a></td><td><a href="https://2093065959-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FiEPTfAt86ITe42xE5kCN%2Fuploads%2FQ2R4weuId509s45sXkID%2Fcredit-score.svg?alt=media&#x26;token=caa2aa7f-ab51-479d-9628-8227c6d04e6c">credit-score.svg</a></td></tr></tbody></table>

### Getting Started

<div align="left"><figure><img src="https://2093065959-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FiEPTfAt86ITe42xE5kCN%2Fuploads%2FHTRtVdxdujpbrCVkYE0a%2Fimage.avif?alt=media&#x26;token=8dc6db83-078c-47fc-a285-b0886da161bc" alt=""><figcaption></figcaption></figure></div>

<mark style="color:$info;">Let us guide you through the sequence of processes that go into making a loan, so you can make informed decisions with confidence.</mark>

The loan workflow involves several crucial steps, from loan application to repayment. At Tendar, we understand the importance of a simplified and streamlined process. That's why we've segmented the entire loan process into four distinct phases - Onboarding, Credit Score Check, Disbursement, and Recollection. By breaking down the loan process into these key stages, we make it easier for you to understand and manage every step of the way. Tendar is designed to simplify your loan workflow and make your lending experience effortless.

<a href="https://app.gitbook.com/o/1owlLXneqLoeQkgEU3y6/s/LA8XKSWAGBBYnbNhZCxp/" class="button primary" data-icon="rocket-launch">Get started</a> <a href="https://app.gitbook.com/o/1owlLXneqLoeQkgEU3y6/s/eRAIVI0eJCwEzhCBF02W/" class="button secondary" data-icon="terminal">API reference</a>

### Your First API Call

{% tabs %}
{% tab title="Create a Customer" %}
Here is how to use the Tendar API to create a customer.

```bash
curl -X POST https://api.tendar.co/onboarding/api/v1/user/create \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "user_id": "usr-123456",
    "first_name": "John",
    "last_name": "Doe",
    "middle_name": "",
    "email": "johndoe@gmail.com",
    "phone": "+234818176549",
    "date_of_birth": "12/08/2000",
    "gender": "male",
    "role": "customer"
  }'
```

{% endtab %}

{% tab title="Disburse a Loan" %}
Here is how quickly you can disburse a loan on Tendar.

{% code overflow="wrap" expandable="true" %}

```bash
curl -X POST https://api.tendar.co/disbursement/api/v1/loan/create \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "user_id": "usr-123456",
    "amount": 10000,
    "purpose": "daily consumption",
    "duration_type": "monthly",
    "duration": 4,
    "frequency": 1,
    "frequency_type": "monthly",
    "interest_rate": 10,
    "currency": "NGN",
    "interest_type": "flat",
    "disburse": true
  }'
```

{% endcode %}
{% endtab %}

{% tab title="Create a Collect" %}
Create a Tendat Collect for automatic recollections

```bash
curl -X POST https://api.tendar.co/recollection/api/v1/collect/create \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "loan": "6843641e2e4441aa8fb32802",
    "bvn": "12345678901",
    "purpose": "recollection plan for a loan",
    "reference": "",
    "mandate_percentage": 10,
    "send_email": true,
    "success_url": "https://tendar.co",
    "callback_url": ""
  }'
```

{% endtab %}
{% endtabs %}

### Postman Collection

<table data-card-size="large" data-view="cards"><thead><tr><th data-type="image"></th><th></th><th></th><th></th><th data-hidden data-card-cover data-type="files"></th></tr></thead><tbody><tr><td><a href="https://2093065959-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FiEPTfAt86ITe42xE5kCN%2Fuploads%2FTh3LrshKpwTKvkwACO8m%2Ffavicon-1-32.png?alt=media&#x26;token=d31503b1-9a21-41c6-9ded-3e7917341dda"> </a></td><td>Postman Collection Available</td><td>Download and import our collection to access all Tendar API requests in one place.</td><td><a href="https://documenter.getpostman.com/view/12462422/2sA3BhfF7m" class="button secondary">Download</a></td><td></td></tr></tbody></table>