为贷款聚合、信用报告与 EMI 服务提供合规、可运行的 API 集成与协议重构方案
我们提供协议逆向（非侵入）、授权流程梳理、第三方放款 & 银行对接、信用分与 EMI 报表导出并交付可运行源码（Node/Python/Go）、OpenAPI 文档与测试脚本。
我们提供可直接运行的后端示例（Node.js 与 Python），含：
建议使用 OAuth 2.0 客户端凭证或授权码流对外授权。对接银行与支付渠道时，优先使用 mTLS 或 HMAC 签名保证报文不可否认性。
POST /oauth/token
Grant Type: client_credentials
Response: { 'access_token': 'xxx', 'expires_in': 3600 }
GET /api/v1/offers?amount=50000&tenure=24
Response: {
'offers':[{
'partner_id':'NBFC123',
'rate':12.5,
'processing_fee':2.0,
'emi':2375.12
}, ...]
}
// Node.js (axios) - 查询报价示例
const axios = require('axios');
const token = process.env.ACCESS_TOKEN;
async function getOffers(amount, tenure){
const r = await axios.get('https://api.yoursvc.com/api/v1/offers',{
params:{amount,tenure},
headers:{Authorization:`Bearer ${token}`}
});
return r.data;
}
我们在设计时遵循最小化数据原则：仅在获得用户明确同意后采集 KYC 数据，并在服务交付后依据当地法规退役或加密存档。支持 NDA 与审计日志交付。
我们是一家专注于 App 接口集成与授权协议分析的技术工作室。团队成员来自移动金融、银行与支付网关，长期为海外金融科技客户交付合规的 OpenData / OpenFinance 整体解决方案。服务范围：协议分析 → 接口重构 → SDK 与示例源码 → 自动化测试 → 合规建议。
IndiaLends is an online marketplace for credit products and offer free credit report, range of credit cards and personal loans from different Banks and NBfcs. IndiaLends offers instant personal loans to its customers with most products being fully digital. IndiaLends also provides technology, data and credit analytics solutions along with a loan management platform to financial institutions. IndiaLends is run by a team of credit risk professionals and data scientists with multiple years of experience in consumer credit. Product features: Personal loan Get personalized personal loan offers up to ₹25 lacs at interest rates starting 10.25% for a tenure ranging from 1 year to 5 years. The app selects the best suitable Banks/NBFCs offering minimal interest rate and easy approval based on your personal loan eligibility. IndiaLends has associations with over 50+ banks and NBFCs . Personal Loan Eligibility Age - 18 years - 60 years Employment Type - Salaried/Self-Employed Minimum Net Income (monthly) - ₹10,000 Work Experience - Salaried for at least 6/12 months or Self-Employed for at least 3 years Tenure: (Min) 6 to (Max) 60 months Annual Percentage Rate ranging from 10.25 (min.) to 25% (max) depending on customer’s credit and risk profile Representative Example With a representative 25% APR based on borrowing ₹ 5 lacs and repaying over 60 months with 60 monthly repayments, the monthly repayments will be ₹ 14,676 which can be paid within a tenure of 60 months. The total payout here would be: Principal Amount – Rs 5,00,000 Interest Charges (@25%): Rs 3,80,540 Loan processing Fee (@2%): Rs 10,000 Documentation Charges: 400 Amortization Schedule charges: 150 Total cost of the loan: Rs 8,91,090 Our Lending Partners: InCred Financial Services Limited KrazyBee Services Private Limited EarlySalary Services private Limited India Infoline Finance Limited *Please note the processing fee can vary from 1.5% - 6%. The figures provided are indicative and subject to change from time. * However, in case of change of payment mode or any delay or non-payment of EMIs, additional charges / penal charges may also be applicable, depending on the lender's policy Credit Card With the IndiaLends app, get credit card suggestions from 40+ options and select the credit card that best suits you. Some of the credit card providers associated with us are ICICI Bank, HDFC Bank, American Express, SBI, Kotak Mahindra Bank, Citibank, RBL and Yes Bank. Free Credit score / Cibil Score At IndiaLends app, check your free Credit Score / Cibil Score worth ₹1200 and get a detailed analysis of your credit report / Cibil Report and tips to improve your score. Our latest feature allows you to refresh your credit report and know why your credit score has changed. EMI Calculator The simple and handy loan EMI calculator lets you easily calculate EMIs. All you need to do is enter the loan amount, interest rate and loan tenure, and you will know the convenient and easy EMIs basis the inputs entered.