Sivo DaaS API
★ Only Publicly Available OpenAPI DocumentFinanceBankingbearer, apiKey20 EndpointsREST
For Agents
Draw capital, originate loans, move money between accounts, and create borrower records on Sivo's Debt-as-a-Service platform.
Use for: I need to draw capital from my Sivo debt line to fund a new loan, Repay outstanding principal on a debt line at end of month, Search for all banking transactions tied to a borrower account, Create a consumer borrower record before originating a loan
Not supported: Does not handle card issuing, KYC verification, or accounting ledger software - use for debt-as-a-service capital draws, loan origination, and embedded banking only.
Jentic publishes the only available OpenAPI specification for Sivo DaaS API, keeping it validated and agent-ready. The Sivo Debt-as-a-Service API lets fintech and embedded-finance builders draw from debt lines, originate consumer and business loans, and run banking operations like payments, beneficiaries, and balance lookups from a single REST surface. It exposes 20 endpoints covering capital, banking, and reporting workflows so platforms can issue credit products without standing up their own bank or warehouse facility.
Install Jentic One Beta
Connect the Sivo DaaS API to your agent
Jentic One is a self-hosted execution layer for AI agents. It lets your agent call the Sivo DaaS API, or any other public or private API you need. You set the rules, the agent never sees your credentials, and every call is logged.
Two steps, two machines. Install the instance in a safe environment, then register your agent from wherever it runs.
1
Step 1: Jentic One Host machine
# On the machine that will host your Jentic One instance:
curl -fsSL "https://jentic.com/install.sh?src=apis&api=%2Fapis%2Fdeveloper.sivo.com%2Fsivo" | sh2
Step 2: Agent machine
# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL "https://jentic.com/install.sh?src=apis&api=%2Fapis%2Fdeveloper.sivo.com%2Fsivo" | sh
jentic register # connects your agent to your Jentic One instanceJentic One is in public beta. The setup above keeps your agent separate from the instance, which is what you want before using real credentials: an agent running as the same OS user as Jentic One can read its stored keys directly. Just evaluating? A single local install is fine to start. See the secure deployment guide for the tiers.
Capabilities
What an agent can do with Sivo DaaS API.
Draw funds from a Sivo debt line and repay principal through /lending/debtlines/draw and /lending/debtlines/pay
Originate consumer and business loans by creating borrower records and posting to /loan
Move funds and reconcile activity through /banking/payment, /banking/transaction, and /banking/balance
Manage payout beneficiaries with create, list, and patch operations on /banking/beneficiary
Open and update yield accounts that earn interest on idle balances via /lending/yieldaccount
Pull ledger transactions for any debtline to support reporting and reconciliation
Use Cases
Patterns agents use Sivo DaaS API for, with concrete tasks.
★ Embedded credit origination
Fintech platforms that lend to consumers or SMBs can use Sivo to draw warehouse capital, originate loans, and manage repayment without acquiring a bank charter. The API handles borrower onboarding, debt line draws, loan creation, and ledger reporting end to end. Integration takes a few days for sandbox certification followed by a production approval cycle.
Create a consumer borrower, draw $50,000 from the configured debt line, then create a loan record tied to that borrower and confirm the ledger entry.
Yield account management
Treasury and embedded-finance teams can spin up Sivo yield accounts to earn interest on idle customer deposits. The API supports creating, updating, and patching yield account records and pulling balance and transaction history for accounting downstream. Useful for neobanks, B2B fintech, and platforms holding pooled customer funds.
Create a yield account for a business customer, then retrieve the balance and recent banking transactions for reconciliation.
Payment dispatch and reconciliation
Operations teams can push outbound payments to beneficiaries, search posted transactions, and verify balances through the banking endpoints. Combined with the ledger transaction history this covers the full lifecycle from payment creation to reconciliation. Useful for payout flows, vendor disbursements, and refund processing inside lending platforms.
Create a beneficiary record, post a $10,000 payment to that beneficiary, then search transactions to confirm the payment posted.
Agent-driven loan operations through Jentic
AI agents handling embedded-finance back-office tasks can call Sivo through Jentic to draw capital, create loans, and pull ledger reports without managing API keys or wiring schemas by hand. Jentic stores the bearer token and X-API-Key in your Jentic One instance and returns scoped credentials per call so the agent never holds raw secrets.
Search Jentic for 'draw from a debt line', load the operation schema, then execute a draw of $25,000 against debtline ID dl_123 and return the resulting ledger entry.
Key Endpoints
20 endpoints — jentic publishes the only available openapi specification for sivo daas api, keeping it validated and agent-ready.
METHOD
PATH
DESCRIPTION
POST
/lending/debtlines/draw
Draw from a debt line
POST
/lending/debtlines/pay
Pay debt line principal
GET
/lending/debtlines/ledger
List ledger transactions
POST
/loan
Create a loan
POST
/banking/payment
Create a banking payment
GET
/banking/transaction
Search banking transactions
POST
/borrowers/consumer
Create a consumer borrower
POST
/borrowers/business
Create a business borrower
POST
/lending/debtlines/draw
Draw from a debt line
POST
/lending/debtlines/pay
Pay debt line principal
GET
/lending/debtlines/ledger
List ledger transactions
POST
/loan
Create a loan
POST
/banking/payment
Create a banking payment
GET
/banking/transaction
Search banking transactions
POST
/borrowers/consumer
Create a consumer borrower
POST
/borrowers/business
Create a business borrower
Why Jentic?
What agents get from Jentic-routed access to this vendor.
Setup
Wiring the Sivo DaaS API by hand means carrying both a bearer token and the X-API-Key header on every call and handling the lending, banking, and borrower payloads yourself. Through Jentic you install once, import the Sivo DaaS API from the API Directory, store both credentials once, and your agent calls it.
Permission scoping
You choose which Sivo operations the agent may call, so you can limit it to the ones it needs, such as reading the debt-line ledger and banking transactions, and leave money-moving operations like drawing on a debt line, making a payment, or originating a loan out unless you add them.
Credential isolation
Your Sivo bearer token and X-API-Key are stored once, encrypted, by your own Jentic One instance and injected at execution time. They never enter the agent's prompt, logs, or context.
Intent-based discovery
Agents search Jentic by intent such as 'draw from a debt line' or 'read the banking ledger', and Jentic returns the matching Sivo operation with its input schema so the agent calls the right endpoint without browsing the reference docs.
Related APIs
Alternatives and complements available in the Jentic catalogue.
Complementary
Stripe
Stripe handles end-customer card payments while Sivo provides the underlying credit facility
Pair Stripe with Sivo when the agent collects card payments from end customers and Sivo finances the receivables or working-capital draw.
FAQs
Specific to using Sivo DaaS API through Jentic.
Why is there no official OpenAPI spec for Sivo DaaS API?
Sivo does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call Sivo DaaS API via structured tooling. It is validated against the live API and kept up to date. Get started with Jentic One, the self-hosted execution layer.
What authentication does the Sivo DaaS API use?
The API requires both a bearer token and an X-API-Key header on each request. Through Jentic, both credentials are stored encrypted in your Jentic One instance and injected per call so the agent context never holds the raw secrets.
Can I originate loans programmatically with the Sivo DaaS API?
Yes. Create the borrower first via POST /borrowers/consumer or POST /borrowers/business, draw funds with POST /lending/debtlines/draw, then post the loan record with POST /loan. The 20-endpoint surface covers the full origination flow plus repayment via POST /lending/debtlines/pay.
What are the rate limits for the Sivo DaaS API?
Rate limits are not declared in the OpenAPI spec and Sivo applies tenant-specific limits negotiated during onboarding. Build your integration with retry-with-backoff on 429 responses and confirm the production limits with your Sivo account team.
How do I draw from a debt line through Jentic?
Run pip install jentic, then use the async client to search for 'draw from a debt line', load the schema for POST /lending/debtlines/draw, and execute with the debtline ID and amount. Jentic returns the ledger entry from the response.
Does the Sivo DaaS API support yield accounts?
Yes. The /lending/yieldaccount resource supports list, create, update, and patch operations so you can open interest-bearing accounts and maintain them over time.
Can I limit what my agent is allowed to do with the Sivo DaaS API?
Yes. Because your Jentic One instance is self-hosted, you decide which Sivo operations the agent may call, so you can grant only read access to the debt-line ledger (GET /lending/debtlines/ledger) and banking transactions (GET /banking/transaction). Money-moving operations like drawing on a debt line (POST /lending/debtlines/draw), creating a payment (POST /banking/payment), or originating a loan (POST /loan) stay out of reach unless you explicitly add them. Your rules and stored credentials govern every call the agent can make.
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