Loans

Loan management service

📄️disburse loan

Disburse funds for an approved loan (mock implementation)

Cancel a loan that is still in pending_disbursement and money-safe to cancel (no posted lender funding transaction and no in-flight or completed disbursement). The loan and its ticket are cancelled atomically. Either the borrower or the lender on the loan may call this. A loan past pending_disbursement is rejected with 400; a pending_disbursement loan with committed money is rejected with 409 (needs a support-driven reversal).

📄️get disbursement status

Get the latest disbursement for a loan. Callable by the loan's borrower or lender.

📄️get_disbursement_by_id

Borrower-scoped lookup of a disbursement by its ID. Used by the mobile

📄️select_disbursement_account

Borrower picks another linked bank account to receive a previously-failed

📄️get loan repayment schedule

Returns the loan's frozen fee contract and full per-installment borrower/lender schedule (MONEY_FLOW.md). Only the loan's borrower or lender may read it; other callers get 404.

📄️repay a loan installment via direct debit

Initiate a one-time direct debit for a specific installment (borrower only).

📄️repay the entire outstanding loan balance via direct debit

Initiate a one-time direct debit to settle the full remaining loan balance (borrower only).

📄️lender selects payout account for an installment

After a Providus push-payout failure (design §5.9), the lender uses this

Loans

📄️list_loans loans

📄️create_application loans

📄️get_loan loans