Loan lifecycle

Check the position

Read GET /collateral/position and confirm borrowing capacity.

Create a quote

Send a unique external_id to POST /loans/quotes. Store the returned ID and expiry.

Accept the quote

Call POST /loans/quotes/{quote_id}/accept within 45 seconds. Vantage rechecks prices and collateral.

Track disbursement

Read the returned application, then list loans. A small cNGN loan can disburse during acceptance if auto-disbursement is enabled.

Repay

Read the loan immediately before payment. Send the exact payoff_amount_ngn amount to its current repayment destination.

Reconcile release

Poll the loan until it closes, then reconcile the collateral return transaction.

Balance fields

Field	Meaning
`outstanding_principal_ngn`	Principal remaining
`accrued_interest_ngn`	Interest accrued at response time
`total_owed_ngn`	Principal and accrued interest still owed, including an assessed fee
`early_repayment_fee_ngn`	Fee that would be assessed if the loan is settled now
`payoff_amount_ngn`	Exact amount required to close the loan now
`repaid_ngn`	Repayment already confirmed
`maturity_at`	Contractual maturity time

Direct applications

POST /loans/applications creates an application without a firm quote. It requires an exact collateral amount and follows operator review before disbursement.

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Balance fields

Direct applications

​Balance fields

​Direct applications

Balance fields

Direct applications