Asset Loans

Issue loans secured against a customer's assets. The customer keeps their asset — security is established by registering a credit marking with the relevant authority.

This page describes the flow of converting an unsecured loan to a secured one. The flow has two stages: discover (which assets are eligible as security, and for how much?) and execute (create the loan and trigger contract signing).

This API is not finalised and endpoints, request/response shapes, and field names are subject to change without notice.

Asset offers

`POST /v1/asset-offers`

The bank wants to know which of the customer's assets are eligible as security and the maximum loan amount against each. Creates an offer record but has no effect on the customer or their assets.

Request body:

Name
identityNumber
Type
string
Description
Customer identity number (e.g. personal number, national ID). Format varies by country.
Name
country
Type
string
Description
ISO 3166-1 alpha-2 country code, e.g. "SE", "NO", "FI". Determines which registries and valuation rules apply.

Notes:

offerId is stable for its lifetime; use it to reference the offer in a loan.
assetId is deterministic — the same vehicle always returns the same ID.
Offers expire. After expiry the bank must request a fresh one as valuations may have changed.

Request body

{
  "identityNumber": "196801012345",
  "country": "SE"
}

Response (200)

{
  "offerId": "off_k93mxp12",
  "expiresAt": "2026-04-22T10:23:44Z",
  "assets": [
    {
      "assetId": "asset_vehicle_9f3kd82jpl",
      "assetType": "vehicle",
      "maxLoanAmount": 129000,
      "currency": "SEK",
      "details": {
        "make": "Volvo",
        "model": "XC60",
        "modelYear": 2021
      }
    },
    {
      "assetId": "asset_vehicle_4m2np91xqk",
      "assetType": "vehicle",
      "maxLoanAmount": 45000,
      "currency": "SEK",
      "details": {
        "make": "BMW",
        "model": "320i",
        "modelYear": 2019
      }
    }
  ]
}

`GET /v1/asset-offers`

List previously issued offers.

Query parameters:

Name
identityNumber
Type
string
Description
Filter by customer identity number.

Request

GET /v1/asset-offers?identityNumber=196801012345

Response is an array of offers in the same shape as POST /v1/asset-offers.

`GET /v1/asset-offers/:offerId`

Fetch a previously issued offer, e.g. if the bank wants to re-display it to an advisor later in the same session.

Path parameters:

Name
:offerId
Type
string
Description
The offerId returned from GET /v1/asset-offers.

Request

GET /v1/asset-offers/off_k93mxp12

Response has the same shape as GET /v1/asset-offers.

Executing a loan

`POST /v1/asset-loans`

The bank has done their credit assessment, the customer has chosen an asset, and the bank wants to execute a secured loan. This starts the contract signing flow with the customer.

Request body:

Name
offerId
Type
string
Description
Reference to the asset offer. A soft reference — the bank may pass assetId directly if they already know it.
Name
assetId
Type
string
Description
The asset to use as security for the loan. The customer retains ownership and possession — a credit marking is registered against it.
Name
loanAmount
Type
number
Description
Requested loan amount. Must not exceed maxLoanAmount for the asset.
Name
termMonths
Type
number
Description
Loan term in months.
Name
currency
Type
string
Description
ISO 4217 currency code, e.g. "SEK".
Name
customer
Type
object
Description
Customer details for the signing request.
Name
customer.identityNumber
Type
string
Description
Customer identity number. Format varies by country.
Name
customer.country
Type
string
Description
ISO 3166-1 alpha-2 country code, e.g. "SE", "NO", "FI". Determines which registry the credit marking is filed with.
Name
customer.email
Type
string
Description
Customer email address.
Name
customer.phone
Type
string
Description
Customer phone number in E.164 format.

Notes:

After this call the customer receives a signing request and authorises the credit marking on their asset. They keep the asset — the credit marking is the security.

Request body

{
  "offerId": "off_k93mxp12",
  "assetId": "asset_vehicle_9f3kd82jpl",
  "loanAmount": 80000,
  "termMonths": 60,
  "currency": "SEK",
  "customer": {
    "identityNumber": "196801012345",
    "country": "SE",
    "email": "anna.larsson@email.se",
    "phone": "+46701234567"
  }
}

Response (200)

{
  "loanId": "loan_8xk2mp91za",
  "status": "IN_PROGRESS",
  "assetId": "asset_vehicle_9f3kd82jpl",
  "requirements": [
    {
      "type": "CUSTOMER_CONTRACT",
      "status": "PENDING",
      "responsibleParty": "USER",
      "details": {
        "signingUrl": "https://sign.yourservice.se/ctr_x91pla33",
        "expiresAt": "2026-04-18T10:23:44Z"
      }
    },
    {
      "type": "CREDIT_MARKING_REGISTRATION",
      "status": "PENDING",
      "responsibleParty": "SYSTEM",
      "details": {
        "registry": "transportstyrelsen"
      }
    }
  ]
}

Loan status

`GET /v1/asset-loans/:loanId`

Poll loan and contract status, or fetch for display in the bank's internal system.

Path parameters:

Name
:loanId
Type
string
Description
The loanId returned from POST /v1/asset-loans.

Loan status values:

Status	Meaning
`IN_PROGRESS`	One or more requirements are not yet completed.
`COMPLETED`	All requirements met; loan is fully active.
`CANCELLED`	Loan or signing was cancelled.

Requirement type values:

Type	`responsibleParty`	Description
`CUSTOMER_CONTRACT`	`USER`	Customer must sign the loan agreement. `details` includes `signingUrl` and `expiresAt` while pending.
`CREDIT_MARKING_REGISTRATION`	`SYSTEM`	Credit marking must be registered with the relevant authority. `details` includes `registry` and, once done, `registeredAt` and `reference`.

Requirement status values: PENDING · IN_PROGRESS · COMPLETED · FAILED

Response (200) — completed

{
  "loanId": "loan_8xk2mp91za",
  "status": "COMPLETED",
  "assetId": "asset_vehicle_9f3kd82jpl",
  "requirements": [
    {
      "type": "CUSTOMER_CONTRACT",
      "status": "COMPLETED",
      "responsibleParty": "USER",
      "details": {
        "completedAt": "2026-04-16T08:00:00Z"
      }
    },
    {
      "type": "CREDIT_MARKING_REGISTRATION",
      "status": "COMPLETED",
      "responsibleParty": "SYSTEM",
      "details": {
        "registry": "transportstyrelsen",
        "reference": "TS-2026-88821",
        "registeredAt": "2026-04-16T09:14:00Z"
      }
    }
  ]
}

Response (200) — in progress

{
  "loanId": "loan_8xk2mp91za",
  "status": "IN_PROGRESS",
  "assetId": "asset_vehicle_9f3kd82jpl",
  "requirements": [
    {
      "type": "CUSTOMER_CONTRACT",
      "status": "COMPLETED",
      "responsibleParty": "USER",
      "details": {
        "completedAt": "2026-04-16T08:00:00Z"
      }
    },
    {
      "type": "CREDIT_MARKING_REGISTRATION",
      "status": "PENDING",
      "responsibleParty": "SYSTEM",
      "details": {
        "registry": "transportstyrelsen"
      }
    }
  ]
}

Response (404)

{ "error": "Loan not found" }