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Institution

  • KYB and at least one beneficial owner are verified.
  • Collateral wallets are ready.
  • Payout and return addresses are approved.
  • A small cNGN payout and repayment has completed on Base.

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Integration

  • Keys have minimum scopes, expiry rules, and IP limits where practical.
  • Keys are stored in a secret manager.
  • Server clocks are synchronized.
  • The exact serialized body is signed and sent.
  • Retries use stable business IDs and fresh signing values.
  • Vantage IDs and transaction hashes are stored for reconciliation.

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Financial test

  1. Deposit a small collateral amount.
  2. Create and accept a quote.
  3. Reconcile cNGN payout.
  4. Repay the current amount owed.
  5. Confirm loan closure.
  6. Reconcile the automatic collateral return.
Record before and after balances and every transaction hash. Rotate credentials used during testing before production traffic begins.

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Availability gate

Check GET /api/v1/public/lending-status before showing a quote or application flow. If new lending is paused, keep existing loan and repayment screens available and retry the status endpoint after 30 seconds.