Fetch Third Party Service

The "Fetch Third Party Service" endpoint is a crucial component of Lenme's API ecosystem designed to facilitate the retrieval of third-party services integrated with our platform.

These services can encompass a wide range of functionalities, including machine learning scoring models or data pertaining to each borrower within a loan request.

To utilize this API endpoint, developers need to provide two essential parameters: the "loan request ID" and the "Provider Name." With these inputs, the endpoint empowers developers to seamlessly access the specific service offered by the designated third-party provider. Whether it's extracting valuable insights from machine learning models or accessing borrower-specific data, the "Fetch Third Party Service" endpoint simplifies the process of integrating and utilizing external services within the Lenme ecosystem.

HTTP Request

POST https://api.lenmo.app/api/v3/data_marketplace/data_integration/

This endpoint returns the requested service score for the requested loan ID.

Headers

Name	Type	Description
Accept	String	The content type of the response.
X-API-KEY*	String	The API key that gives the user the authentication to perform this request.
Content-Type	String	The type of the request body
X-HMAC*	String	The HMAC generated for the request.
X-Timestamp*	String	The timestamp of the request.

Request Body

Name	Type	Description
loan_request_id*	Int	Loan Request ID
provider_name*	String	The requested provider name

200: OK Third Party Score

See the Available Service Options section for service sample response

403: Forbidden Permission Denied

{
    "detail": "Authentication credentials were not provided."
}

404: Not Found Third Party Score not found

Service provider score not found for the given loan request ID

404: Not Found Loan request not found

No active loan request found for the given id

400: Bad Request Invalid provider name

Please enter a valid provider name

Sample Request

cURL

curl -X POST "https://api.lenmo.app/api/v3/data_marketplace/data_integration/" \
    -H "accept: application/json" \
    -H "X-API-KEY: YOUR_API_KEY" \
    -H "X-Timestamp: REQUEST_TIMESTAMP" \
    -H "X-HMAC: REQUEST_HMAC" \
    -H "Content-Type: application/json" \
    -d '{"loan_request_id": 1, "provider_name": "salus"}'

Python

import requests
import json

api_key = 'YOUR_API_KEY'
api_secret = 'YOUR_API_SECRET'

url = 'https://api.lenmo.app/api/v3/data_marketplace/data_integration/'

headers = {
    'Accept': 'application/json',
    "Content-Type": "application/json",
    'X-API-KEY': api_key,
    'X-Timestamp': 'YOUR_TIME_STAMP',
    'X-HMAC': 'YOUR_HMAC_KEY'
}

loan_request_id = 1
provider_name = "salus"
data = {
    "loan_request_id": loan_request_id,
    "provider_name": provider_name
}

r = requests.post(url, headers=headers, json=data)

print(r.text)

Ruby

require 'net/http'
require 'json'
require 'openssl'
require 'time'

api_key = 'YOUR_API_KEY'
api_secret = 'YOUR_API_SECRET'
url = URI('https://api.lenmo.app/api/v3/data_marketplace/data_integration/')

timestamp = Time.now.to_i.to_s
message = timestamp + url.to_s
signature = OpenSSL::HMAC.hexdigest('sha256', api_secret, message)

headers = {
  'Accept' => 'application/json',
  'Content-Type' => 'application/json',
  'X-API-KEY' => api_key,
  'X-Timestamp' => timestamp,
  'X-HMAC' => signature
}

data = {
  loan_request_id: 1,
  provider_name: "salus"
}.to_json

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url, headers)
request.body = data

response = http.request(request)
puts response.read_body

PHP

<?php
$api_key = 'YOUR_API_KEY';
$api_secret = 'YOUR_API_SECRET';
$url = 'https://api.lenmo.app/api/v3/data_marketplace/data_integration/';

$timestamp = time();
$message = $timestamp . $url;
$signature = hash_hmac('sha256', $message, $api_secret);

$headers = [
    'Accept: application/json',
    'Content-Type: application/json',
    'X-API-KEY: ' . $api_key,
    'X-Timestamp: ' . $timestamp,
    'X-HMAC: ' . $signature
];

$data = json_encode([
    'loan_request_id' => 1,
    'provider_name' => 'salus'
]);

$ch = curl_init($url);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);

$response = curl_exec($ch);
curl_close($ch);

echo $response;
?>

Nodejs

const axios = require('axios');
const crypto = require('crypto');

const api_key = 'YOUR_API_KEY';
const api_secret = 'YOUR_API_SECRET';
const url = 'https://api.lenmo.app/api/v3/data_marketplace/data_integration/';

const timestamp = Math.floor(Date.now() / 1000).toString();
const message = timestamp + url;
const signature = crypto.createHmac('sha256', api_secret).update(message).digest('hex');

const headers = {
  'Accept': 'application/json',
  'Content-Type': 'application/json',
  'X-API-KEY': api_key,
  'X-Timestamp': timestamp,
  'X-HMAC': signature
};

const data = {
  loan_request_id: 1,
  provider_name: 'salus'
};

axios.post(url, data, { headers: headers })
  .then(response => {
    console.log(response.data);
  })
  .catch(error => {
    console.error('Error:', error);
  }

Available Service Options

Provider Name	Price	Description	Sample Response
salus		Salus Score Description*	{ "loan_request_id": 123456, "model_version": "648bc628aeae01aeab885d35", "salus_score": 0.1299283403, "salus_score_request_id": "d290f1ee-6c54-4b01-90e6-d701748f0851", "timestamp": "2022-08-29T09:12:33.001Z" }

Salus Score Description *

Salus Score uses credit data and transaction data to highlight the historically observed default rate of a given loan application based on similar historical applications, going beyond traditional measures like credit score. Users of the Salus Score acknowledge that the Salus Score is for informational purposes only and should not be solely relied on to make credit decisions; it is not guaranteed to generate default rates consistent with historical patterns used to generate the score. Salus Score is provided by Lenme’s data partner, Salus Financial Technology, Inc. Salus Financial Technology, Inc. is not a credit reporting agency. Information like age, sex, race, or marital status are not used in the creation of the Salus Score. Users of the Salus Score allow Lenme to share loan data with Salus Financial Technology, Inc.