Test a cNGN loan

Use a dedicated test institution, API key, and Base wallet. Complete KYB, beneficial owner verification, wallet provisioning, and address approval in the dashboards before calling the Developer API.

Required API scopes

quotes:read
quotes:write
loans:read
collateral:read

Set VANTAGE_API_ORIGIN to the approved development environment. Use the request helper from Request signing.

1. Find the USDC deposit wallet

wallets = vantage_request("GET", "/api/v1/collateral/wallets")
usdc_wallet = next(
    wallet for wallet in wallets
    if wallet["asset_type"] == "USDC" and wallet["chain"] == "base"
)

const wallets = await vantageRequest("GET", "/api/v1/collateral/wallets");
const usdcWallet = wallets.find(
  (wallet: any) => wallet.asset_type === "USDC" && wallet.chain === "base"
);

vantage_curl GET '/api/v1/collateral/wallets'

Send native Base USDC to the returned address. Wait until the deposit is confirmed and GET /collateral/position shows enough borrowing capacity.

2. Create and accept a quote

Create a cNGN quote with a unique external_id. Accept it within 45 seconds using the approved Base address and a stable Idempotency-Key.

quote = vantage_request("POST", "/api/v1/loans/quotes", {
    "amount_ngn": "100.00",
    "tenor_days": 1,
    "collateral_asset": "USDC",
    "loan_asset": "cNGN",
    "external_id": "e2e-20260913-001",
}, "quote-e2e-20260913-001")

accepted = vantage_request(
    "POST",
    f"/api/v1/loans/quotes/{quote['id']}/accept",
    {
        "payout_wallet_address": "0x1111111111111111111111111111111111111111",
        "purpose": "Vantage API end-to-end test",
    },
    "accept-e2e-20260913-001",
)

const quote = await vantageRequest("POST", "/api/v1/loans/quotes", {
  amount_ngn: "100.00",
  tenor_days: 1,
  collateral_asset: "USDC",
  loan_asset: "cNGN",
  external_id: "e2e-20260913-001",
}, "quote-e2e-20260913-001");

const accepted = await vantageRequest(
  "POST",
  `/api/v1/loans/quotes/${quote.id}/accept`,
  {
    payout_wallet_address: "0x1111111111111111111111111111111111111111",
    purpose: "Vantage API end-to-end test",
  },
  "accept-e2e-20260913-001",
);

vantage_curl POST '/api/v1/loans/quotes' \
  '{"amount_ngn":"100.00","tenor_days":1,"collateral_asset":"USDC","loan_asset":"cNGN","external_id":"e2e-20260913-001"}' \
  'quote-e2e-20260913-001'

vantage_curl POST "/api/v1/loans/quotes/$QUOTE_ID/accept" \
  '{"payout_wallet_address":"0x1111111111111111111111111111111111111111","purpose":"Vantage API end-to-end test"}' \
  'accept-e2e-20260913-001'

3. Reconcile payout

Poll GET /loans/applications/{application_id}, then GET /loans/loans?status=active. Match the loan by application_id. Confirm its cngn_payout_tx_hash succeeds on Base and the payout wallet receives the expected cNGN amount.

4. Repay

Read the loan immediately before payment. Send exactly payoff_amount_ngn in cNGN from the approved payout wallet to cngn_repayment_address. Do not submit an offchain repayment notice. Poll the loan until Vantage detects and confirms the receipt and status becomes closed.

5. Reconcile collateral return

Confirm one native Base USDC transfer reaches the approved USDC return address. Record the deposit, payout, repayment, and return transaction hashes. The test passes only if each movement occurs once, balances reconcile, and repeating read or reconciliation tasks causes no additional transfer.

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Required API scopes

1. Find the USDC deposit wallet

2. Create and accept a quote

3. Reconcile payout

4. Repay

5. Reconcile collateral return

​Required API scopes

​1. Find the USDC deposit wallet

​2. Create and accept a quote

​3. Reconcile payout

​4. Repay

​5. Reconcile collateral return

Required API scopes

1. Find the USDC deposit wallet

2. Create and accept a quote

3. Reconcile payout

4. Repay

5. Reconcile collateral return