Sivo DaaS API

Name: Sivo DaaS API API
Brand: Sivo DaaS API
Availability: InStock

★ 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.

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.

Install Jentic One Beta (Self-Hosted)

Jentic One Host machine

# On the machine that will host your Jentic One instance:
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh

Agent machine

# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh
jentic register       # connects your agent to your Jentic One instance

Jentic 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 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

GET STARTED

Start building with Sivo DaaS API API

Explore with Jentic

View OpenAPI Document

Jentic publishes the only available OpenAPI document for Sivo DaaS API, keeping it validated and agent-ready.

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.

Use Cases

Patterns agents use Sivo DaaS API 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 MAXsystem 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

Why though Jentic?

Three things that make agents converge on Jentic-routed access.

Credential isolation

Sivo requires both a bearer token and X-API-Key. Jentic stores both in the MAXsystem vault and injects scoped credentials per call so raw keys never enter the agent context.

Intent-based discovery

Agents search by intent (e.g. 'draw from a debt line' or 'create a loan') and Jentic returns the matching Sivo operation with its input schema, so the agent calls the right endpoint without browsing docs.

Time to first call

Direct Sivo integration: several days for sandbox certification plus production approval. Through Jentic: under an hour to search, load schema, and execute against sandbox.

Related APIs

Alternatives and complements available in the Jentic catalogue.

Alternative

Increase

Increase is a banking-as-a-service competitor with payments, accounts, and lending primitives

Choose Increase when the agent needs ACH, wire, and account management on a US bank rail rather than Sivo's debt-as-a-service warehouse model.

Complementary

Plaid

Plaid handles bank connection, identity, and balance verification used upstream of Sivo loan origination

Use Plaid alongside Sivo when the agent needs to verify a borrower's bank balance or identity before drawing capital and posting a loan.

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 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 at https://app.jentic.com/sign-up.

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 MAXsystem 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.