Singa Fintech Data API: Loan Quota, KYC & VA

PT Abadi Sejahtera Finansindo · Lending

Singa Fintech-Digital Loans is the Indonesian cash-loan app of PT Abadi Sejahtera Finansindo (ASF). Borrowers sign in with a mobile number over SMS or WhatsApp OTP, set a password, then complete KTP, work, bank-account and emergency-contact forms before applying; approved funds are withdrawn to a named bank account and repaid through a virtual account, with in-app rollover when a tenor needs extending. The same Android client covers Privy identity handoff, TekenAja e-signed loan contracts, face liveness, coupons and a referral program, and it points users at Instagram @singa.id, TikTok @singa.fintech and LinkedIn Abadi Sejahtera Finansindo. It competes with Kredivo, Easycash and Tunaiku for pinjaman-online users in Indonesia.

Approved quota and waitRepaymentTotalAmount sit on the home snapshot next to product duration and interest_rate, while each live order carries payable_amount, order_status and a virtual-account va_num. KYC records store ktp_number, ktp_image_url and completeness scores for personal, work, bank and contacts; repayment screens add coupon totalReduction and rollover is_pass.

Collections teams reconcile outstanding tenor against VA credits, underwriting desks ingest KTP OCR into the same borrower file, and openData Studio turns those fields into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Send login SMS code
POST /v1/auth/otp/sms osint
Starts the SMS OTP step of phone sign-in before password login. Body is the mobile number; the JSON returns timeLimit (and optional incoming_call_phone for the voice-call fallback).
Auth: Pre-login. JSON body with the borrower's mobile number. No Bearer yet. WhatsApp OTP uses the sibling path /v1/auth/otp/whatsapp.
- mobilePhone
- incoming_call_phone
- timeLimit
```
POST /v1/auth/otp/sms HTTP/1.1
Content-Type: application/json
platform: android

{
  "mobilePhone": "081234567890"
}
```
```
{
  "code": 0,
  "message": "OK",
  "data": {
    "incoming_call_phone": null,
    "timeLimit": 60
  }
}
```

Password login

POST /v1/auth/password osint

Signs the borrower in with mobile_phone and an AES-wrapped password. The login response returns token and user_id, which every later call attaches as Authorization: Bearer and a userId header.

Auth: JSON body mobile_phone plus AES-encrypted password (ky is the MD5 wrap key). The response token is stored on device and replayed as Authorization: Bearer; user_id is sent as the userId header.

mobile_phone
password
token
user_id
name
phone
is_new_user
isRegister
phone_verified
email_verified
role

POST /v1/auth/password HTTP/1.1
Content-Type: application/json
platform: android

{
  "mobile_phone": "081234567890",
  "password": "<aes>",
  "ky": "<md5>",
  "imei": "uuid-device",
  "uuid": "uuid-device",
  "long": 0.0,
  "accuracy": 0.0
}

{
  "code": 0,
  "message": "OK",
  "data": {
    "token": "eyJhbGciOiJIUzI1NiJ9.sess",
    "user_id": "882144",
    "name": "Siti Nurhaliza",
    "phone": "081234567890",
    "is_new_user": false,
    "isRegister": true,
    "phone_verified": 1,
    "email_verified": 0,
    "role": 1
  }
}

Home loan snapshot

POST /v1/home/snapshot openfinance

Loads the home screen: product duration and interest_rate, per-merchant UserQuota (quota, available, waitRepaymentTotalAmount), credit-audit status, and any live order summary.

Auth: Authorization: Bearer token from POST /v1/auth/password. Body includes user_id when signed in.

IsNewUser
name
duration
interest_rate
quota
available
waitRepaymentTotalAmount
isMakeLoan
status
order_id
auditStatus
rejectExpiredAt

POST /v1/home/snapshot HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144
uuId: uuid-device
Content-Type: application/json

{
  "user_id": "882144"
}

{
  "code": 0,
  "message": "OK",
  "data": {
    "IsNewUser": 0,
    "UserInfo": { "name": "Siti Nurhaliza" },
    "Product": { "duration": 90, "interest_rate": "0.3" },
    "UserQuota": {
      "default": {
        "quota": 5000000,
        "available": 3500000,
        "waitRepaymentTotalAmount": 1500000,
        "isMakeLoan": true,
        "status": 1,
        "order_id": "ord-882144"
      }
    },
    "CreditAuditInfo": { "auditStatus": 2, "rejectExpiredAt": null },
    "Order": {}
  }
}

KYC completeness
GET /v1/profile/completeness osint
Returns percent-complete scores for personal, work, bank and contacts plus ktp_image_url. The loan application flow stays blocked until these sections are filled.
Auth: Authorization: Bearer token from POST /v1/auth/password; userId header.
- personal
- work
- bank
- contacts
- is_new_user
- ktp_image_url
- faceComparison
```
GET /v1/profile/completeness HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144
```
```
{
  "code": 0,
  "message": "OK",
  "data": {
    "personal": 100,
    "work": 100,
    "bank": 80,
    "contacts": 100,
    "is_new_user": false,
    "ktp_image_url": "https://files.example.com/ktp/882144.png",
    "faceComparison": 1
  }
}
```

Borrower profile sections

GET /v1/profile/sections osint

Reads one KYC section as labeled key/value rows. Query type selects user_basic_info, user_work_info, user_contacts_info or user_bank_card_info.

Auth: Authorization: Bearer token from POST /v1/auth/password. Query type selects the section: user_basic_info, user_work_info, user_contacts_info or user_bank_card_info.

type
user_basic_info
user_work_info
user_contacts_info
user_bank_card_info
ktp_number
name
birthday
mothers_name

GET /v1/profile/sections?type=user_basic_info HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144

{
  "code": 0,
  "message": "OK",
  "data": {
    "user_basic_info": [
      { "key": "name", "value": "Siti Nurhaliza", "type": "text" },
      { "key": "ktp_number", "value": "3174010101900001", "type": "text" },
      { "key": "birthday", "value": "1990-01-01", "type": "date" },
      { "key": "mothers_name", "value": "Aisyah", "type": "text" }
    ],
    "user_work_info": [],
    "user_contacts_info": [],
    "user_bank_card_info": []
  }
}

OCR KTP image

POST /v1/kyc/idcard/ocr osint

Runs OCR on an uploaded KTP image and returns identity fields used to prefill the personal-info form.

Auth: Authorization: Bearer token from POST /v1/auth/password. Body img_url is AES-wrapped with ky; optional isWrite flags a KTP update on an existing order.

img_url
ky
isWrite
ktp_number
name
birthday
birthplace
ktp_image_url

POST /v1/kyc/idcard/ocr HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144
Content-Type: application/json

{
  "img_url": "<aes>",
  "ky": "<md5>",
  "isWrite": "2"
}

{
  "code": 0,
  "message": "OK",
  "data": {
    "ktp_number": "3174010101900001",
    "name": "Siti Nurhaliza",
    "birthday": "1990-01-01",
    "birthplace": "Jakarta",
    "ktp_image_url": "https://files.example.com/ktp/882144.png"
  }
}

Submit merchant loan

POST /v1/loans/apply openfinance

Submits the selected merchant product (amount, duration, merchantId) after KYC. The response returns orderId and isHightRisk; high-risk files open an in-app credit-assessment page.

Auth: Authorization: Bearer token from POST /v1/auth/password. Body products is the selected tenor list from the apply screen.

products
amount
duration
merchantId
loanId
couponId
refPurposeId
invitation_code
orderId
isHightRisk
have_comment
userQuota
loan_info

POST /v1/loans/apply HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144
Content-Type: application/json

{
  "products": [
    {
      "amount": 2000000,
      "duration": 90,
      "merchantId": 12,
      "loanId": 901,
      "couponId": null,
      "refPurposeId": 3
    }
  ],
  "uuid": "uuid-device",
  "versionName": "3.2.3",
  "app_instance_id": "fi-instance",
  "model": "Pixel 8",
  "invitation_code": "SG-9F21",
  "media_source": "googleplay",
  "campaign": "organic"
}

{
  "code": 0,
  "message": "OK",
  "data": {
    "merchantId": 12,
    "orderId": "ord-882144",
    "isHightRisk": false,
    "have_comment": false,
    "userQuota": { "quota": 5000000, "available": 3000000 },
    "loan_info": { "amount": 2000000, "duration": 90 }
  }
}

Loan order detail

GET /v1/loans/detail openfinance

Loads the loan detail screen: principal and fee breakdown, order_status, disbursement bank_info, and the current virtual-account va_info used to repay.

Auth: Authorization: Bearer token from POST /v1/auth/password. Query carries the order id shown on the loan detail screen.

id
order_num
amount
contract_amount
payable_amount
repayment_amount
interest_amount
mgmtfee_amount
penalty_amount
interest_rate
order_status
apply_at
repay_at
va_num
due_amount
account_name
account_number
is_allow_extension
protocol_url

GET /v1/loans/detail?order_id=ord-882144 HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144

{
  "code": 0,
  "message": "OK",
  "data": {
    "order": [
      {
        "id": "ord-882144",
        "order_num": "SG20261016001",
        "amount": 2000000,
        "contract_amount": 2300000,
        "payable_amount": 2300000,
        "repayment_amount": 0,
        "interest_amount": 180000,
        "mgmtfee_amount": 120000,
        "penalty_amount": 0,
        "interest_rate": "0.3",
        "order_status": 4,
        "apply_at": "2026-09-01T09:00:00+07:00",
        "repay_at": "2026-12-01T00:00:00+07:00",
        "va_info": {
          "va_num": "8800123456789012",
          "due_amount": "2300000",
          "repayment_va_expire_at": "2026-12-02T23:59:59+07:00"
        }
      }
    ],
    "bank_info": {
      "account_name": "SITI NURHALIZA",
      "account_number": "1234567890"
    },
    "is_allow_extension": 1,
    "protocol_url": "https://h5.example.com/agreement/ord-882144"
  }
}

Loan history list

GET /v1/loans/history openfinance

Pages closed and in-flight loans for the history screen. Each row carries id, amount, order_status and dates.

Auth: Authorization: Bearer token from POST /v1/auth/password. Query page and offset=10.

page
offset
loans
id
order_num
amount
final_amount
order_status
apply_at
repay_at

GET /v1/loans/history?page=1&offset=10 HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144

{
  "code": 0,
  "message": "OK",
  "data": {
    "loans": [
      {
        "id": "ord-882144",
        "order_num": "SG20261016001",
        "amount": 2000000,
        "final_amount": 2300000,
        "order_status": 7,
        "apply_at": "2026-06-01T09:00:00+07:00",
        "repay_at": "2026-09-01T00:00:00+07:00"
      }
    ]
  }
}

Repayment detail

POST /v1/repayments/schedule openbanking

Builds the repay screen: parent order amounts, selectable child installments, coupon eligibility and early-settlement flags.

Auth: Authorization: Bearer token from POST /v1/auth/password.

order_id
payable_amount
repayment_amount
penalty_amount
is_allow_extension
children
due_amount
interest_amount
mgmtfee_amount
expire_at
can_use
is_can_settled

POST /v1/repayments/schedule HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144
Content-Type: application/json

{
  "order_id": "ord-882144"
}

{
  "code": 0,
  "message": "OK",
  "data": {
    "order": {
      "id": "ord-882144",
      "payable_amount": 2300000,
      "repayment_amount": 0,
      "penalty_amount": 0,
      "is_allow_extension": 1
    },
    "children": [
      {
        "id": "stg-1",
        "index": 1,
        "due_amount": 2300000,
        "interest_amount": 180000,
        "mgmtfee_amount": 120000,
        "penalty_amount": 0,
        "order_status": 4,
        "expire_at": "2026-12-01T00:00:00+07:00"
      }
    ],
    "coupon": { "can_use": true },
    "early_settlement_judgment": { "is_can_settled": 1 }
  }
}

Virtual-account detail

POST /v1/repayments/virtual-account openbanking

Returns the payable virtual-account number, bank channel and expiry for the VA screen, plus any coupon totalReduction already applied.

Auth: Authorization: Bearer token from POST /v1/auth/password.

va_num
due_amount
repayment_va_expire_at
payment_va
payment_time
bank_code
bank_name
bank_logo
expire_at
totalReduction
is_extension

POST /v1/repayments/virtual-account HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144
Content-Type: application/json

{
  "order_id": "ord-882144"
}

{
  "code": 0,
  "message": "OK",
  "data": {
    "va_info": {
      "va_num": "8800123456789012",
      "due_amount": "2300000",
      "repayment_va_expire_at": "2026-12-02T23:59:59+07:00"
    },
    "payment_info": {
      "payment_va": "8800123456789012",
      "payment_time": null,
      "payment_methods": {
        "bank_code": "BCA",
        "bank_name": "Bank Central Asia",
        "bank_logo": "https://files.example.com/bank/bca.png"
      }
    },
    "expire_at": "2026-12-02T23:59:59+07:00",
    "totalReduction": 0,
    "is_extension": 0
  }
}

VA payment history

POST /v1/repayments/transactions openbanking

Pages virtual-account payment rows for the payment history screen (issued VA, amount due, amount paid, repay_at).

Auth: Authorization: Bearer token from POST /v1/auth/password.

page
offset
order_id
id
repayment_va
due_amount
repayment_amount
repay_at
created_at
is_extension_info

POST /v1/repayments/transactions HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144
Content-Type: application/json

{
  "page": 1,
  "offset": 10,
  "order_id": "ord-882144"
}

{
  "code": 0,
  "message": "OK",
  "data": [
    {
      "id": "va-1001",
      "repayment_va": "8800123456789012",
      "due_amount": "2300000",
      "repayment_amount": 2300000,
      "repay_at": "2026-11-28T14:22:00+07:00",
      "created_at": "2026-11-01T09:00:00+07:00",
      "is_extension_info": 0
    }
  ]
}

Withdraw to bank

POST /v1/disbursements/payout openfinance

Disburses the approved loan to the borrower's bank account from the withdrawal screen. Body is amount plus bank_info (ref_bank_id, account_name, account_number, reserved_phone_number).

Auth: Authorization: Bearer token from POST /v1/auth/password.

amount
ref_bank_id
account_name
account_number
reserved_phone_number
order_id

POST /v1/disbursements/payout HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144
Content-Type: application/json

{
  "amount": 2000000,
  "bank_info": {
    "ref_bank_id": "014",
    "account_name": "SITI NURHALIZA",
    "account_number": "1234567890",
    "reserved_phone_number": "081234567890"
  }
}

{
  "code": 0,
  "message": "OK",
  "data": {
    "order_id": "ord-882144",
    "amount": 2000000
  }
}

Apply loan extension

POST /v1/loans/rollover openfinance

Applies a rollover from the extension preview screen. is_pass is pass or reject; reject_reason is shown when the extension is denied.

Auth: Authorization: Bearer token from POST /v1/auth/password.

order_id
is_pass
reject_reason
after_order_id

POST /v1/loans/rollover HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144
Content-Type: application/json

{
  "order_id": "ord-882144"
}

{
  "code": 0,
  "message": "OK",
  "data": {
    "is_pass": "pass",
    "reject_reason": null,
    "order_id": "ord-882144",
    "after_order_id": "ord-882145"
  }
}

Referral code
POST /v1/referrals/code opendata
Returns the borrower's referral_code shown on the invite screen and later sent as invitation_code on loan submit.
Auth: Authorization: Bearer token from POST /v1/auth/password.
- referral_code
```
POST /v1/referrals/code HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.sess
userId: 882144
```
```
{
  "code": 0,
  "message": "OK",
  "data": {
    "referral_code": "SG-9F21"
  }
}
```

Data categories

loan quotas
KYC profiles
loan orders
virtual-account repayments
disbursements
referrals

Where teams use this data

Quota vs outstanding reconciliation
Nightly jobs pull home UserQuota.quota, available and waitRepaymentTotalAmount, then match them to live OrderDetail payable_amount and order_status so a lender ledger does not drift from the borrower screen.
Virtual-account payment matching
Collections bots read va_num, due_amount and repayment_va_expire_at from getVaDetail and append getOrderVa rows (repayment_va, repayment_amount, repay_at) to close installments when a BCA or other VA credit lands.
KTP onboarding into CRM
Underwriting desks take ktp_number, name and birthday from getUserInfoByKtp plus completeness scores personal/work/bank/contacts so a new file is not opened twice for the same NIK.
Rollover and disbursement ops
Ops consoles watch submitWithdraw bank_info (account_name, account_number) and extensionApply is_pass so payouts and tenor extensions stay in the same case as the in-app WithDrawAct and RolloverPreviewAct flows.

Frequently asked questions

How does Singa authenticate borrowers?

Sign-in starts with an SMS or WhatsApp one-time code sent to the borrower's mobile number, followed by password login with mobile_phone plus an AES-wrapped password. The JSON response returns token and user_id; later calls attach the token as an Authorization: Bearer header and the user id as a userId header.

Which fields describe a live loan?

Loan detail returns amount, contract_amount, payable_amount, interest_amount, mgmtfee_amount, penalty_amount, order_status, apply_at and repay_at, plus the repayment virtual account va_num and the disbursement bank_info account_name / account_number.

How is Indonesian KYC represented?

Completeness scores for personal, work, bank and contacts gate an application. Profile sections are labeled key/value rows (ktp_number, birthday, mothers_name), and uploading a KTP card image runs OCR that fills those same identity fields.

How is repayment collected?

The repayment screen issues va_num, due_amount and repayment_va_expire_at for a bank channel (bank_code, bank_name); a separate feed pages historical virtual-account payments; and a rollover request records is_pass or a reject_reason when the extension is denied.

Apps similar to Singa Fintech-Digital Loans

Kredivo - Paylater & Pinjaman — Kredivo is PT Kredivo Finance Indonesia's OJK-licensed credit line, with a 30-day pay-in-full option and 3–24 month installments at more than 10,000 Indonesian merchants plus a personal-loan (pinjaman) draw.
Easycash - Pinjaman Daring — Easycash is an OJK-licensed Indonesian unsecured cash-loan app offering IDR 100,000 to IDR 100,000,000 over 3–12 months at a published maximum 36% APR.
Tunaiku - Pinjaman Dana Online — Tunaiku is PT Bank Amar Indonesia Tbk's OJK-licensed unsecured cash-loan (KTA) app, disbursing IDR 2 million to IDR 30 million over 6–30 months.
Akulaku — Akulaku combines cash loans of Rp300,000–Rp40,000,000, PayLater of up to Rp25,000,000, and merchant installments in one Indonesian app, with financing from OJK-licensed PT Akulaku Finance Indonesia.
AdaKami — AdaKami is an OJK-licensed Indonesian digital cash-loan app with published limits of IDR 3,000,000 to IDR 80,000,000 over 3-, 6- or 12-month installments and a stated maximum APR of 36%.
JULO — JULO is an OJK-supervised Indonesian digital-credit app whose one limit of up to Rp50,000,000 can be drawn as bank cash, e-wallet top-ups, bill pay, or paylater spend.
Indodana PayLater — Indodana PayLater is an OJK-supervised Indonesian buy-now-pay-later line of up to Rp50,000,000, repaid over 3–12 months at partner merchants such as Tokopedia, Cermati and iBox.
Home Credit Indonesia — Home Credit Indonesia finances phones, laptops and other goods in more than 20,000 stores, and also offers cash financing and a paylater line under OJK supervision.

More Lending apps

Topics

Singa API
Singa Fintech loan data
PT Abadi Sejahtera Finansindo
Indonesian pinjaman KYC
virtual account repayment
KTP OCR fields
loan quota API

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Singa Fintech Data API: Loan Quota, KYC & VA

Screenshots

API surface

Send login SMS code

Password login

Home loan snapshot

KYC completeness

Borrower profile sections

OCR KTP image

Submit merchant loan

Loan order detail

Loan history list

Repayment detail

Virtual-account detail

VA payment history

Withdraw to bank

Apply loan extension

Referral code

Data categories

Where teams use this data

Quota vs outstanding reconciliation

Virtual-account payment matching

KTP onboarding into CRM

Rollover and disbursement ops

Frequently asked questions

Apps similar to Singa Fintech-Digital Loans

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Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?

Singa Fintech Data API: Loan Quota, KYC & VA

Screenshots

API surface

Send login SMS code

Password login

Home loan snapshot

KYC completeness

Borrower profile sections

OCR KTP image

Submit merchant loan

Loan order detail

Loan history list

Repayment detail

Virtual-account detail

VA payment history

Withdraw to bank

Apply loan extension

Referral code

Data categories

Where teams use this data

Quota vs outstanding reconciliation

Virtual-account payment matching

KTP onboarding into CRM

Rollover and disbursement ops

Frequently asked questions

Related apps

Apps similar to Singa Fintech-Digital Loans

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?