arazzo: 1.0.1
info:
  title: Interswitch Lending Offer To Disbursement
  summary: Fetch a customer's loan offers, accept one, fund the loan, then confirm the customer's loan status.
  description: >-
    Marketplace lending origination flow. The workflow fetches the loan offers
    available to a customer, accepts the chosen offer to create a loan,
    disburses the accepted funds, and then reads the customer's loan status to
    confirm an active loan now exists. The offerId is supplied as an input and
    the resulting loanId is threaded into funding. All requests are
    Bearer-authenticated.
  version: 1.0.0
sourceDescriptions:
- name: lendingApi
  url: ../openapi/interswitch-lending-api-openapi.yml
  type: openapi
workflows:
- workflowId: offer-to-disbursement
  summary: Accept a loan offer, fund the loan, and confirm the active loan.
  description: >-
    Lists offers for a customer, accepts the chosen offer, funds the resulting
    loan, and confirms the customer now has an active loan.
  inputs:
    type: object
    required:
    - accessToken
    - customerId
    - offerId
    properties:
      accessToken:
        type: string
        description: Bearer access token from the Passport OAuth token endpoint.
      customerId:
        type: string
        description: Customer the offers are listed and the loan is created for.
      offerId:
        type: string
        description: The loan offer to accept.
      amount:
        type: integer
        description: Optional requested principal used to filter offers.
  steps:
  - stepId: listOffers
    description: Fetch the loan offers available to the customer.
    operationId: listLoanOffers
    parameters:
    - name: Authorization
      in: header
      value: Bearer $inputs.accessToken
    - name: customerId
      in: query
      value: $inputs.customerId
    - name: amount
      in: query
      value: $inputs.amount
    successCriteria:
    - condition: $statusCode == 200
    outputs:
      offers: $response.body
  - stepId: acceptOffer
    description: Accept the chosen offer, creating a loan in PENDING status.
    operationId: acceptLoanOffer
    parameters:
    - name: Authorization
      in: header
      value: Bearer $inputs.accessToken
    - name: offerId
      in: path
      value: $inputs.offerId
    successCriteria:
    - condition: $statusCode == 200
    outputs:
      loanId: $response.body#/loanId
      status: $response.body#/status
      principal: $response.body#/principal
  - stepId: fundLoan
    description: Disburse the accepted loan funds to the borrower.
    operationId: fundLoan
    parameters:
    - name: Authorization
      in: header
      value: Bearer $inputs.accessToken
    - name: loanId
      in: path
      value: $steps.acceptOffer.outputs.loanId
    successCriteria:
    - condition: $statusCode == 200
  - stepId: confirmStatus
    description: Read the customer's loan status to confirm an active loan exists.
    operationId: getCustomerLoanStatus
    parameters:
    - name: Authorization
      in: header
      value: Bearer $inputs.accessToken
    - name: customerId
      in: path
      value: $inputs.customerId
    successCriteria:
    - condition: $statusCode == 200
    - condition: $response.body#/hasActiveLoan == true
    outputs:
      hasActiveLoan: $response.body#/hasActiveLoan
      activeLoans: $response.body#/activeLoans
  outputs:
    loanId: $steps.acceptOffer.outputs.loanId
    hasActiveLoan: $steps.confirmStatus.outputs.hasActiveLoan