cNGN on Base - Vantage Developer Docs

Payout requirements

Add the recipient Base address as an institution withdrawal address.
Wait for Vantage approval.
Confirm it appears in GET /collateral/withdrawal-addresses.
Keep enough Base ETH at the address for repayment gas.

Accept a cNGN quote with the approved address:

result = vantage_request(
    "POST",
    f"/api/v1/loans/quotes/{quote_id}/accept",
    {
        "payout_wallet_address": "0x1111111111111111111111111111111111111111",
        "purpose": "Inventory finance",
    },
    "accept-loan-001",
)

const result = await vantageRequest(
  "POST",
  `/api/v1/loans/quotes/${quoteId}/accept`,
  {
    payout_wallet_address: "0x1111111111111111111111111111111111111111",
    purpose: "Inventory finance",
  },
  "accept-loan-001",
);

vantage_curl POST "/api/v1/loans/quotes/$QUOTE_ID/accept" \
  '{"payout_wallet_address":"0x1111111111111111111111111111111111111111","purpose":"Inventory finance"}' \
  'accept-loan-001'

Repay

Read GET /loans/loans/{loan_id} immediately before repayment. Send the exact payoff_amount_ngn amount in cNGN to cngn_repayment_address from an approved institution address. Vantage detects the confirmed Base transfer and matches it to the loan. Poll the loan until it closes. Do not call mark-repaid for an onchain cNGN transfer.

If cngn_repayment_address is empty, onchain repayment is unavailable. Do not use an address copied from another environment.

Collateral release is a separate Base transaction and can finish after loan closure.