Developers

Build on the risk-signals layer.

Reusable identity, business-verification, risk-signals and trade-provenance APIs over REST and webhooks. Browse the catalog freely; reference, keys and sandbox access are granted to any organisation that completes DigiKYB, with scopes tied to the API groups you consume.

API families

Grouped by capability. Access is granted per group — scoped to what your organisation is validated to consume, metered.

Identity & KYC APIs

Reusable DigiKYC verification, credential presentation & verification (OID4VP), assurance summaries.

Insurers · neutral platforms · data consumers

Business Identity & KYB APIs

DigiKYB, the Verified Entity Identifier (VEI), entity verification, GLEIF/LEI resolution.

Insurers · platforms · data consumers

AssureFirst APIs

First-financing fingerprint registry + independent duplicate-financing check across unconnected lenders.

Lenders / LMS · neutral platforms

Risk Signals APIs

Discrete network-effect risk checks — AssureValtel anti-dilution, AssureAccept acceptance signals. The composed PO Risk Signals Pack is delivered on the web / as a PDF, not as an API.

Lenders · neutral platforms · credit insurers

Trade Provenance APIs

Export-trust documents (TradeTrust / OpenAttestation), e-BRC / DGFT provenance, tamper-evident packs.

Data consumers · platforms

Lender / LMS / ERP integration

Deep loan-management, disbursement-packet, securitisation and dynamic-discounting integrations. Delivered as a partner integration (AssureConnect) — detailed specs shared under agreement, not self-serve.

Banks · lenders · LMS · ERP

Detailed API specs, Postman collection, OpenAPI and sandbox keys are shared with validated developer partners only. The deep lender / LMS / ERP integration is delivered as a partner integration under agreement — not self-serve — with AssureFirst the one capability we expose to lenders here. Are you a supplier? Connect your own ERP (Tally / SAP / NetSuite) with zero integration at Connect your ERP.

Authentication

OAuth2 client-credentials — exchange your client ID/secret at POST /v1/oauth/token; pass the bearer token on consumer APIs. The token carries an env claim (SANDBOX | PRODUCTION).

API key — the securitisation-evidence API is gated by an x-api-key header issued per consumer.

Webhook HMAC — inbound LMS events are signed with x-lms-signature (HMAC-SHA256 over the JSON body).

Idempotency — every mutating POST requires an x-idempotency-key header; retries with the same key are safe.

# 1. Get a token
curl -X POST https://api.assurelocker.com/v1/oauth/token \
  -d grant_type=client_credentials \
  -d client_id=$CLIENT_ID -d client_secret=$CLIENT_SECRET

# 2. Generate a Risk Signals Pack (sandbox)
curl -X POST https://api.assurelocker.com/v1/po/risk-signals \
  -H "Authorization: Bearer $TOKEN" \
  -H "x-idempotency-key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{ "mode": "DEMO", "buyerGstin": "...", "borrowerGstin": "...", "subcontractorGstin": "...", "poValue": 5000000 }'

Core endpoints

Endpoint reference opens in the interactive API Reference (Swagger) with your partner token

Open-credit interoperability

Every Receivable Evidence Object is built OCEN-shaped — signed, hash-anchored in an immutable registry, consent-scoped, selectively-discloseable and API-exportable — and designed to map onto ONDC-credit derived-data formats (GST-based invoice loan, purchase finance, working-capital line). We already run the adjacent consent rails (Account Aggregator and verifiable KYC/KYB credentials), so the objects are ready to plug into open-credit journeys. OCEN-compatible, not dependent on or connected to the network — we light up the live integration only when a partner needs it.

Public registry anchoring

Every long-lived object we issue — Receivable Evidence Objects, KYC/KYB passports, identity-state transitions, membership events and PO/receivable records — is hash-anchored in an immutable registry. The anchor is a timestamped, tamper-evident fingerprint: anyone holding the object can prove it existed, unaltered, at a point in time — and the same PO or receivable presented twice is detectable independently of any external registry. Hashes only — never raw PII or commercial data in the registry.

What’s anchored

SHA-256 of the canonical object (REO, passport, IST state, membership, PO/receivable) with its event type and timestamp.

Independent double-financing check

Complements the lender’s CERSAI charge search and TReDS — and covers the bilateral receivables that never reach either rail.

Verify it yourself

Every pack & webhook carries an anchor block — recompute the hash and match it in the public registry by txId.

// Every pack & webhook payload carries an "anchor" block:
"anchor": {
  "network": "public-registry",
  "txId": "tx_9f2c1a8e...",        // public-registry anchor id
  "payloadSha256": "9f2c..."       // SHA-256 of the canonical object (hash only)
}

// Verify locally (Node) — tamper-evident, no trust in us required:
import { createHash } from "node:crypto";
const recomputed = createHash("sha256").update(canonicalJson).digest("hex");
const ok = recomputed === anchor.payloadSha256;   // must match
// then confirm anchor.txId in the public registry for end-to-end proof.

Sample Risk Signals Pack

A deterministic sandbox response. Production packs carry the same shape, populated from available live, lender-side, partner-mediated or issuer-attested sources, with every field evidence-tiered.

{
  "packId": "f1a2b3c4-...",
  "generatedAt": "2026-06-08T09:30:00.000Z",
  "signalLevel": "CLEAR",
  "signals": {
    "tradeRelationship": {
      "ab": { "counterpartyGstin": "27AAACB1234C1Z5", "invoiceCount": 34, "totalValueInr": 24000000, "monthsActive": 36, "trend": "GROWING", "verified": true, "source": "GSTR1_TABLE4" },
      "bc": { "counterpartyGstin": "29AAACC4321D1Z9", "invoiceCount": 18, "totalValueInr": 9600000, "monthsActive": 24, "trend": "STABLE", "verified": true, "source": "GSTR1_TABLE4" }
    },
    "subcontractorCapacity": { "activeEmployeeCount": 84, "annualTurnoverInr": 20000000, "subcontractValueInr": 5000000, "capacityRating": "ADEQUATE" },
    "doubleFinancing": {
      "status": "CLEAN",
      "cersai": { "source": "DEMO", "searchType": "SI", "searchedAt": "2026-06-08T09:30:00.000Z", "activeCharges": [] }
    },
    "aaCashflow": { "avgMonthlyBalance": 450000, "balanceTier": "GOLD", "source": "ASSURECONNECT_AA_DEMO" },
    "eInvoice": {
      "provided": 2, "parsed": 2, "gstnSigned": 2, "abLegCorroborated": true, "bcLegCorroborated": true,
      "invoices": [
        { "irn": "DEMO-IRN-AB", "leg": "A_TO_B", "totalValueInr": 705882, "signatureVerified": true },
        { "irn": "DEMO-IRN-BC", "leg": "B_TO_C", "totalValueInr": 533333, "signatureVerified": true }
      ]
    },
    "counterpartyEstablishment": {
      "buyer": { "gstin": "27AAACA0001A1Z5", "established": true, "invoiceCount": 34, "monthsActive": 36 },
      "subcontractor": { "gstin": "29AAACC4321D1Z9", "established": true, "invoiceCount": 18, "monthsActive": 24 }
    }
  },
  "gradedSignals": [
    { "key": "tradeRelationship.ab", "label": "Trade relationship A\u2192B (buyer \u2192 borrower)", "status": "REGISTRY_VERIFIED", "grade": "DEPTH_PRIMARY", "detail": "Verified in GSTR-1: 34 invoice(s) over 36 month(s), growing." },
    { "key": "tradeRelationship.bc", "label": "Trade relationship B\u2192C (borrower \u2192 subcontractor)", "status": "REGISTRY_VERIFIED", "grade": "DEPTH_PRIMARY", "detail": "Verified in GSTR-1: 18 invoice(s) over 24 month(s), stable." },
    { "key": "eInvoice", "label": "Invoice authenticity (e-invoice IRN + e-way movement)", "status": "REGISTRY_VERIFIED", "grade": "DEPTH_PRIMARY", "detail": "2/2 e-invoice(s) GSTN-signature-verified (A\u2192B corroborated, B\u2192C corroborated)." },
    { "key": "subcontractorCapacity", "label": "Subcontractor execution capacity (EPFO headcount + GSTR-1 turnover)", "status": "REGISTRY_VERIFIED", "grade": "DEPTH_PRIMARY", "detail": "Capacity ADEQUATE \u2014 ~84 on EPFO payroll." },
    { "key": "relatedParty", "label": "Related-party / collusion scan", "status": "REGISTRY_VERIFIED", "grade": "CONFLICT", "detail": "No director (DIN) or address overlap found between the three parties." },
    { "key": "doubleFinancing", "label": "Double-financing / prior charge (CERSAI + PO registry)", "status": "REGISTRY_VERIFIED", "grade": "CONFLICT", "detail": "No conflicting assignment / unsatisfied charge found (CERSAI clear)." }
  ],
  "flags": [
    "A\u2192B corroborated by GSTN-signed e-invoice",
    "B\u2192C corroborated by GSTN-signed e-invoice"
  ]
}

Webhook events

We post events to your configured URL; sandbox-scoped requests are tagged mode: "sandbox" and never call your real endpoint.

// POST to your configured webhook URL. HMAC-SHA256 in x-signature.
{
  "event": "oid4vp.presentation_received",
  "mode": "sandbox",                   // "live" when the request is production-scoped
  "dealId": "deal_01H...",
  "occurredAt": "2026-06-08T09:31:42.118Z",
  "fields": ["legalName", "gstin", "riskSignalsPackId"],
  "anchor": { "network": "public-registry", "txId": "tx_9f2c1a8e...", "payloadSha256": "9f2c...", "note": "hash-only; no raw PII or commercial data in the registry" }
}

Error codes

CodeHTTPMeaning
VALIDATION_ERROR400A field failed validation (e.g. an invalid GSTIN checksum).
IDEMPOTENCY_KEY_REQUIRED400A mutating POST was sent without an x-idempotency-key header.
UNAUTHORIZED401Missing/invalid token, API key, or webhook signature.
FORBIDDEN403Authenticated, but not permitted for this resource or capability.
SERVICE_UNAVAILABLE503A consumer key or webhook secret is not configured server-side.

TSP boundary

AssureLocker returns evidence and signalsfor the lender’s decision. It does not lend, underwrite, decide credit, hold funds, operate escrow, or guarantee outcomes. Every field is a verifiable input — never a recommendation to approve or decline.

AssureLocker
Right Vectors India
3rd floor, Innov8, SKCL Tech Square,
SIDCO Industrial Estate, Guindy,
Chennai, TN 600032

AssureLocker is a verification & orchestration platform — not a lender. It supplies verified evidence and risk signals checked against authoritative sources (GSTN, MCA21, EPFO, CERSAI, Account Aggregator) and orchestrates the assessment room. It does not lend, hold or move funds, operate escrow, set advance rates, or make the credit decision — the lender's system of record makes that decision and disburses. Right Vectors India, the provider of AssureLocker, operates strictly as a Technology Service Provider. Every signal is labelled by evidence tier — registry-verified, lender-side, issuer-confirmed, document-signed or self-declared (missing where unresolved); some integrations are in sandbox, lender-side or pilot, and records are written to an immutable registry (hashes only — never raw PII). Signals and figures are point-in-time and consent-bound; confidential to the named parties.

Explainable, evidence-tiered signals — auditable on request. Our algorithmic-accountability approach →

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