canonical: https://jentic.com/apis/developer.sivo.com/sivo

# Sivo DaaS API

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.

## For AI agents

Draw capital, originate loans, move money between accounts, and create borrower records on Sivo's Debt-as-a-Service platform.

## Scope

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.

## Capabilities

- 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

### 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.

Example prompt: 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.

Example prompt: 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.

Example prompt: 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.

Example prompt: 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

| 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 |

## Key resources

- **Debtlines** — Draw and repay against committed debt facilities and pull ledger history
- **Loans** — Originate consumer and business loans against drawn capital
- **Banking** — Move money via payments, manage beneficiaries, and check balances
- **Borrowers** — Create consumer and business borrower records prior to origination
- **Yield accounts** — Open and manage interest-bearing accounts for idle balances

## Why Jentic

- **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 handling:** 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.
- **Discovery method:** 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

- **Increase** — Increase is a banking-as-a-service competitor with payments, accounts, and lending primitives
- **Plaid** — Plaid handles bank connection, identity, and balance verification used upstream of Sivo loan origination
- **Stripe** — Stripe handles end-customer card payments while Sivo provides the underlying credit facility

## FAQ

### 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.