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1(#R8mlbsnlb-a)" stroke-width="3.2"></polyline><circle cx="91" cy="14" r="4.6" fill="url(#R8mlbsnlb-a)"></circle></svg></span></a><a class="mfeat mfeat-plain" href="/income-verification"><h4>Income Verification</h4><p>Every income stream verified, including gig and cash work.</p><span class="mf-cta">See what it verifies<!-- --> <svg class="arr" width="16" height="16" viewBox="0 0 16 16" fill="none"><path d="M3 8h8M8 4.5L11.5 8 8 11.5" stroke="currentColor" stroke-width="1.6" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="mf-mark plate-teal" aria-hidden="true"><svg viewBox="0 0 120 120" fill="currentColor" stroke="none" stroke-linecap="round" stroke-linejoin="round"><defs><linearGradient id="R96lbsnlb-a" x1="0" y1="0" x2="0.3" y2="1"><stop offset="0%" stop-color="hsl(var(--plate-h2))" stop-opacity="0.34"></stop><stop offset="48%" stop-color="hsl(var(--plate-h1))" stop-opacity="0.46"></stop><stop offset="100%" stop-color="hsl(var(--plate-h1))" stop-opacity="0.52"></stop></linearGradient><linearGradient id="R96lbsnlb-b" x1="0" y1="0" x2="0.3" y2="1"><stop offset="0%" stop-color="hsl(var(--plate-h2))" stop-opacity="0.2"></stop><stop offset="48%" stop-color="hsl(var(--plate-h1))" stop-opacity="0.27"></stop><stop offset="100%" stop-color="hsl(var(--plate-h1))" stop-opacity="0.31"></stop></linearGradient><linearGradient id="R96lbsnlb-c" x1="0" y1="0" x2="0.3" y2="1"><stop offset="0%" stop-color="hsl(var(--plate-h2))" stop-opacity="0.28"></stop><stop offset="48%" stop-color="hsl(var(--plate-h1))" stop-opacity="0.37"></stop><stop offset="100%" stop-color="hsl(var(--plate-h1))" stop-opacity="0.43"></stop></linearGradient></defs><g fill="url(#R96lbsnlb-b)"><rect x="2" y="8" width="32" height="11" rx="3"></rect><rect x="2" y="34" width="22" height="11" rx="3"></rect><rect x="2" y="60" width="28" height="11" rx="3"></rect><rect x="2" y="86" width="10" height="11" rx="3"></rect><rect x="15" y="86" width="7" height="11" rx="3"></rect><rect x="25" y="86" width="10" height="11" rx="3"></rect></g><g fill="url(#R96lbsnlb-c)"><rect x="34" y="12.3" width="12" height="2.4" rx="1.2"></rect><rect x="24" y="38.3" width="22" height="2.4" rx="1.2"></rect><rect x="30" y="64.3" width="16" height="2.4" rx="1.2"></rect><rect x="35" y="90.3" width="11" height="2.4" rx="1.2"></rect><rect x="44.8" y="13.5" width="2.4" height="78" rx="1.2"></rect></g><rect x="46" y="50.9" width="14" height="3.2" rx="1.6" fill="url(#R96lbsnlb-a)"></rect><mask id="R96lbsnlb-verified"><rect x="60" y="32.5" width="42" height="40" rx="7" fill="#fff"></rect><path d="M74 52.9 79 58 88.4 47.6" fill="none" stroke="#000" stroke-width="3.6"></path></mask><rect x="60" y="32.5" width="42" height="40" rx="7" fill="url(#R96lbsnlb-a)" mask="url(#R96lbsnlb-verified)"></rect></svg></span></a></div><div class="mcol"><div class="mega-hd">More verification, one portal</div><a class="mcard" href="/employment-verification"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><rect x="3" y="7" width="18" height="13" rx="2"></rect><path d="M8 7V5a2 2 0 0 1 2-2h4a2 2 0 0 1 2 2v2"></path></svg></span><span><span class="mc-t">Employment Verification</span><span class="mc-d">Current employer and pay, confirmed from deposits.</span></span></a><a class="mcard" href="/identity-verification"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><rect x="3" y="5" width="18" height="14" rx="2"></rect><circle cx="8.5" cy="11" r="2"></circle><path d="M13 10h5M13 14h5"></path></svg></span><span><span class="mc-t">Identity Verification<span class="dp-tag">Early access</span></span><span class="mc-d">ID and live selfie, checked against the application.</span></span></a><a class="mcard" href="/insurance-verification"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="M12 3l7 2.6v5.2c0 4.4-3 7.3-7 8.8-4-1.5-7-4.4-7-8.8V5.6L12 3z"></path><path d="M9 12l2 2 4-4"></path></svg></span><span><span class="mc-t">Insurance Verification<span class="dp-tag">Coming soon</span></span><span class="mc-d">Active coverage and policy details, confirmed.</span></span></a></div></div></div></div><div class="mega mega-solutions" id="mega-solutions" role="region" aria-label="Solutions"><div class="mega-panel sol-layout"><div class="sol-top"><div class="sol-col"><div class="mega-hd">Industries</div><div class="sol-ind"><a class="mcard" href="/auto-and-powersports"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="M4 20h16M6 20V10l6-4 6 4v10"></path><path d="M10 20v-5h4v5"></path></svg></span><span><span class="mc-t">Auto &amp; Powersports</span><span class="mc-d">
1Built for every lending model, from indirect to direct loans.</span></span></a><a class="mcard" href="/dealers"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="M3 11 5 6h14l2 5v7H3v-7Z"></path><path d="M3 11h18"></path><circle cx="7.5" cy="18" r="1.6" fill="currentColor" stroke="none"></circle><circle cx="16.5" cy="18" r="1.6" fill="currentColor" stroke="none"></circle></svg></span><span><span class="mc-t">Dealerships &amp; Point of Sale</span><span class="mc-d">From stip to funded, across every rooftop.</span></span></a><a class="mcard" href="/personal-loan"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><circle cx="12" cy="12" r="8"></circle><path d="M12 8v8M9.5 10h3.5a1.8 1.8 0 010 3.6H9.5"></path></svg></span><span><span class="mc-t">Personal Loan Lenders</span><span class="mc-d">Underwrite ability-to-pay without collateral.</span></span></a><a class="mcard" href="/smb"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><rect x="3.5" y="8" width="17" height="12" rx="1"></rect><path d="M3.5 8 12 3l8.5 5"></path><path d="M9.5 20v-5h5v5"></path></svg></span><span><span class="mc-t">SMB Lending</span><span class="mc-d">Real business cash flow, not a prepared P&amp;L.</span></span></a><a class="mcard" href="/banks"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="M3.5 20h17"></path><path d="M12 3.5 20 8H4l8-4.5Z"></path><path d="M6.5 10.5v7M12 10.5v7M17.5 10.5v7"></path></svg></span><span><span class="mc-t">Banks</span><span class="mc-d">Cash-flow depth on the file your committee already reviews.</span></span></a><a class="mcard" href="/credit-unions"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><circle cx="9" cy="8.5" r="3"></circle><path d="M3 19.5c0-3.3 2.7-5.6 6-5.6s6 2.3 6 5.6"></path><path d="M16 6.2a3 3 0 0 1 0 4.6"></path><path d="M17.6 13.6c2 .8 3.4 2.6 3.4 4.7"></path></svg></span><span><span class="mc-t">Credit Unions</span><span class="mc-d">Say yes to more members without loosening policy.</span></span></a></div></div><div class="sol-col"><div class="mega-hd">Use cases</div><div class="sol-uc"><a class="sol-row" href="/improve-portfolio-performance"><span class="uc-ico"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="M4 19h16"></path><path d="M7 19v-4M12 19V8.5M17 19v-7"></path><path d="M3 11h18" stroke-dasharray="2.6 2.6"></path></svg></span><span><span class="uc-t">Improve portfolio performance</span><span class="uc-d">Catch the account stress that shows up before a payment is missed.</span></span></a><a class="sol-row" href="/kora-score"><span class="uc-ico"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="M4 16a8 8 0 0 1 16 0"></path><path d="M12 16l4-3.5"></path><circle cx="12" cy="16" r="1.1" fill="currentColor" stroke="none"></circle></svg></span><span><span class="uc-t">KoraScore</span><span class="uc-d">Predict charge-off and 60+ day delinquency on the same file.</span></span></a><a class="sol-row" href="/prevent-fraud"><span class="uc-ico"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="M12 3l7 2.6v5.2c0 4.4-3 7.3-7 8.8-4-1.5-7-4.4-7-8.8V5.6L12 3z"></path><path d="M12 8.5v4M12 15.5h.01"></path></svg></span><span><span class="uc-t">Prevent fraud</span><span class="uc-d">Keep fabricated income and documents off your books.</span></span></a><a class="sol-row" href="/approve-more"><span class="uc-ico"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><rect x="2.5" y="6" width="19" height="12" rx="2"></rect><circle cx="12" cy="12" r="2.6"></circle><path d="M5.5 9.5h.01M18.5 14.5h.01"></path></svg></span><span><span class="uc-t">Approve more good borrowers</span><span class="uc-d">Say yes to thin- and no-file applicants a bureau score would reject.</span></span></a><a class="sol-row" href="/automate-stips"><span class="uc-ico"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="M3.5 6.5h9M3.5 11h9M3.5 15.5h5"></path><circle cx="17" cy="15.5" r="4"></circle><path d="m15.3 15.6 1.3 1.3 2.2-2.5"></path></svg></span><span><span class="uc-t">Automate stips</span><span class="uc-d">Income, employment, identity and insurance from one applicant upload.</span></span></a><a class="sol-row" href="/customized-project"><span class="uc-ico"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="M12 3 3 8l9 5 9-5-9-5Z"></path><path d="m3 12 9 5 9-5"></path><path d="m3 16 9 5 9-5"></path></svg></span><span><span class="uc-t">Customized Project</span><span class="uc-d">Modernize what you run today, or stand up something new with our team.</span></span></a></div></div></div></div></div><div class="mega mega-resources" id="mega-resources" role="region" aria-label="Resources"><div class="mega-panel res-layout"><div class="res-more"><a class="mcard" href="/about"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="M4 21V5a1 1 0 0 1 1-1h6a1 1 0 0 1 1 1v16"></path><path d="M12 10h7a1 1 0 0 1 1 1v10"></path><path d="M3 21h18"></path><path d="M7 8h2M7 12h2M7 16h2M16 14h1M16 17.5h1"></path></svg></span><span><span class="mc-t">About us</span><span class="mc-d">Who Kora is, and where the platform came from.</span></span></a><a class="mcard" href="/blog"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><rect x="3" y="4" width="18" height="16" rx="2"></rect><path d="M7 9h10M7 13h10M7 17h6"></path></svg></span><span><span class="mc-t">Blog</span><span class="mc-d">Playbooks and research on cash-flow underwriting.</span></span></a><a class="mcard" href="/api-docs"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="m9 8-5 4 5 4"></path><path d="m15 8 5 4-5 4"></path></svg></span><span><span class="mc-t">API</span><span class="mc-d">Reference docs for the verification API.</span></span></a><a class="mcard" href="/support"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><circle cx="12" cy="12" r="9"></circle><circle cx="12" cy="12" r="3.2"></circle><path d="M14.3 9.7 18 6M6 18l3.7-3.7M14.3 14.3 18 18M6 6l3.7 3.7"></path></svg></span><span><span class="mc-t">Support</span><span class="mc-d">Every answer in one place, and a ticket form.</span></span></a><a class="mcard" href="/careers"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><rect x="3" y="7" width="18" height="13" rx="2"></rect><path d="M9 7V5a2 2 0 0 1 2-2h2a2 2 0 0 1 2 2v2"></path><path d="M3 12h18"></path></svg></span><span><span class="mc-t">Careers</span><span class="mc-d">Open roles on the team building KoraConnect.</span></span></a></div><div class="res-wp"><div class="mega-hd">White papers</div><div class="wp-panel"><a href="/koraconnect/white-papers/beyond-the-credit-score.pdf" class="mcard wp-item" target="_blank" rel="noopener noreferrer"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="M6 2h8l4 4v16H6z"></path><path d="M14 2v4h4"></path><path d="M9 13h6M9 17h4"></path></svg></span><span><span class="mc-t">
1Beyond the Credit Score</span><span class="mc-d">How a $1B+ lender improved performance, measured against outcomes.</span></span></a><a href="/koraconnect/white-papers/grow-origination-cut-losses.pdf" class="mcard wp-item" target="_blank" rel="noopener noreferrer"><span class="ibox"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" stroke-linejoin="round"><path d="M6 2h8l4 4v16H6z"></path><path d="M14 2v4h4"></path><path d="M9 13h6M9 17h4"></path></svg></span><span><span class="mc-t">Grow Origination, Cut Losses</span><span class="mc-d">Delinquency down across every credit tier, in matched cohorts.</span></span></a></div></div></div></div></div></header><main><section class="dc-shell"><div class="wrap"><header class="dc-hd rv"><span class="ed-eyebrow">API</span><div class="dc-hd-t"><h1 class="ed-h1">API documentation</h1><a class="btn dc-hd-cta" href="https://dashboard.koramoney.com/auth/sign-in?api-docs=true">Sign in for the full API reference <svg class="arr" width="16" height="16" viewBox="0 0 16 16" fill="none"><path d="M3 8h8M8 4.5L11.5 8 8 11.5" stroke="currentColor" stroke-width="1.6" stroke-linecap="round" stroke-linejoin="round"></path></svg></a></div><div class="dc-call">This is the public introduction to the Case API: how it works, end to end, without the field-level schemas. The full reference covers every request, response and analysis attribute, and is linked from the KoraConnect dashboard, next to your API keys. No account yet? <a href="/#contact">Book a demo</a> and we will provision a sandbox with the reference included.</div></header><div class="dc-grid"><aside class="dc-side" aria-label="On this page"><nav><div class="dc-side-g"><span class="dc-side-h">Getting started</span><ul><li><a href="#overview" aria-current="true">Overview</a></li><li><a href="#flow">How a case flows</a></li><li><a href="#quickstart">Quickstart</a></li></ul></div><div class="dc-side-g"><span class="dc-side-h">Reference</span><ul><li><a href="#authentication">Authentication</a></li><li><a href="#versioning">API versioning</a></li><li><a href="#webhooks">Webhooks</a></li><li><a href="#errors">Errors</a></li><li><a href="#environments">Environments</a></li><li><a href="#dealer-api">Dealer API</a></li></ul></div><div class="dc-side-g"><span class="dc-side-h">Access</span><ul><li><a href="#full-reference">Full reference</a></li></ul></div></nav></aside><article class="dc-body"><h2 class="dc-h2" id="overview">Overview</h2><p class="dc-p">The Case API is the primary integration surface for lending clients running underwriting workflows on KoraConnect. It models each borrower interaction as a <strong>case</strong> <!-- -->that moves through a configurable <strong>workflow</strong> of stages, with <strong>modules</strong> producing the underlying financial signals. Two modules are available today, with more on the way:</p><div class="dc-tw"><table class="dc-t"><thead><tr><th>Module</th><th>What it produces</th></tr></thead><tbody><tr><td><code class="dc-c">cash_flow_analysis</code></td><td>Structured income, monthly inflow/outflow, and a top-level risk insight from bank transactions. Sourced via automatic bank connection in the hosted flow, or bank statements uploaded directly.</td></tr><tr><td><code class="dc-c">paystub</code></td><td>Employment and income verification from uploaded paystubs, with built-in document fraud detection and identity matching.</td></tr></tbody></table></div><p class="dc-p">Every account has a <strong>default workflow</strong> applied automatically on case creation: you don&#x27;t pass a<!-- --> <code class="dc-c">workflow_id</code> unless your account has multiple workflows and you need to pick one per case. Which modules run, in which stages, is configured server-side during onboarding.</p><h3 class="dc-h3">Base URLs</h3><div class="dc-tw"><table class="dc-t"><thead><tr><th>Environment</th><th>Base URL</th><th>IP allowlist</th></tr></thead><tbody><tr><td>Sandbox</td><td><code class="dc-c">api.sandbox.koramoney.com</code></td><td>Not required, open from any IP</td></tr><tr><td>Production</td><td><code class="dc-c">api.koramoney.com</code></td><td>Required, egress IPs whitelisted during onboarding</td></tr></tbody></table></div><h2 class="dc-h2" id="flow">How a case flows end to end</h2><p class="dc-p">Three actors are involved in every case: the borrower (your customer), KoraConnect, and your integration. The production-recommended pattern is borrower-driven:</p><ol class="dc-ol"><li>Your system calls <code class="dc-c">POST /api/cases</code> with borrower info and your own <code class="dc-c">reference_id</code>. The response carries a<!-- --> <code class="dc-c">case_id</code> and a hosted-flow link (<code class="dc-c">url</code> /<!-- --> <code class="dc-c">short_url</code>).</li><li>You forward the link to the borrower by SMS, email or in-app, or call <code class="dc-c">POST .../send-sms</code> and we text it for you. The link&#x27;
1s token expires 30 days after issue.</li><li>The borrower opens the link and<!-- --> <strong>connects their bank directly</strong>: live transaction data, straight from the institution. Statement upload is available as a fallback; either way, data goes directly to KoraConnect and never passes through your servers.</li><li>Analysis runs, typically seconds to about a minute, and the<!-- --> <code class="dc-c">MODULE_COMPLETED</code> webhook delivers the<!-- --> <code class="dc-c">result_id</code>.</li><li>You fetch the result with<!-- --> <code class="dc-c">GET .../modules/<!-- -->{module_type}<!-- -->/analysis/<!-- -->{result_id}</code> <!-- -->and make your underwriting decision.</li></ol><div class="dc-call">You don&#x27;t poll for completion in production: the webhook tells you when the result is ready. Polling the module status endpoint is fine for sandbox and ad-hoc inspection.</div><p class="dc-p">Multi-stage workflows repeat the middle of that loop per stage, with <code class="dc-c">STAGE_ADVANCED</code> events in between. You can also drive the flow without the hosted experience by uploading documents via the API and triggering the module run yourself. The quickstart below shows it as path 2b, since it&#x27;s easier to test without a real borrower.</p><h2 class="dc-h2" id="quickstart">Quickstart</h2><p class="dc-p">End to end against sandbox in 5 to 10 minutes. You&#x27;ll need a sandbox API key from the sandbox dashboard and any HTTP client that can send Bearer auth and multipart uploads.</p><h3 class="dc-h3">1. Create a case</h3><p class="dc-p">Send the borrower&#x27;s identifying information and your own<!-- --> <code class="dc-c">reference_id</code> so webhook events correlate back to your system.</p><div class="dc-code"><span class="dc-code-lb">request</span><pre>curl -X POST https://api.sandbox.koramoney.com/api/cases \
2  -H &quot;Authorization: Bearer $KORA_API_KEY&quot; \
3  -H &quot;Content-Type: application/json&quot; \
4  -d &#x27;{
5    &quot;first_name&quot;: &quot;Jane&quot;,
6    &quot;last_name&quot;: &quot;Doe&quot;,
7    &quot;phone_number&quot;: &quot;+15551234567&quot;,
8    &quot;reference_id&quot;: &quot;loan_app_42&quot;,
9    &quot;module_data&quot;: {
10      &quot;cash_flow_analysis&quot;: { &quot;products&quot;: [&quot;DOC_FRAUD&quot;] }
11    }
12  }&#x27;</pre></div><div class="dc-code"><span class="dc-code-lb">response</span><pre>{
13  &quot;case_id&quot;: &quot;00000000-0000-0000-0000-000000000001&quot;,
14  &quot;url&quot;: &quot;https://connect.koramoney.com/verify?token=xxx&quot;,
15  &quot;short_url&quot;: &quot;https://koramoney.com/v/xxxxxxxxxxxxxxxx&quot;
16}</pre></div><p class="dc-p">Save <code class="dc-c">case_id</code> and <code class="dc-c">short_url</code>: the borrower link is only returned on creation.</p><h3 class="dc-h3">2a. The borrower connects their bank</h3><p class="dc-p">The production path. The borrower opens the link from step 1 and authenticates with their institution inside the hosted flow. Transaction data flows in live and<!-- --> <strong>the analysis runs on its own</strong>: no statements to collect, no files passing through your servers, nothing to trigger yourself. Your next touch is the webhook in step 3.</p><h3 class="dc-h3">2b. Or upload statements you already collected and run the analysis</h3><p class="dc-p">The quickstart demo path, no borrower needed: upload the statement PDFs via the API, then trigger the run yourself.</p><div class="dc-code"><span class="dc-code-lb">upload request</span><pre>curl -X POST &quot;.../api/cases/$CASE_ID/documents&quot; \
17  -H &quot;Authorization: Bearer $KORA_API_KEY&quot; \
18  -F &quot;files=@./statement.pdf&quot; \
19  -F &quot;module_type=cash_flow_analysis&quot; \
20  -F &quot;document_category=bank_statement&quot;</pre></div><div class="dc-code"><span class="dc-code-lb">run request</span><pre>curl -X POST &quot;.../api/cases/$CASE_ID/modules/cash_flow_analysis/run&quot; \
21  -H &quot;Authorization: Bearer $KORA_API_KEY&quot;
22
23# → { &quot;execution_id&quot;: &quot;…&quot;, &quot;status&quot;: &quot;ANALYZING&quot;, &quot;message&quot;: &quot;
23Analysis started&quot; }</pre></div><h3 class="dc-h3">3. Wait for the webhook</h3><p class="dc-p">Watch for <code class="dc-c">MODULE_COMPLETED</code> with<!-- --> <code class="dc-c">module_type: &quot;CASH_FLOW_ANALYSIS&quot;</code>. The payload carries the <code class="dc-c">result_id</code> for the final fetch.</p><div class="dc-code"><span class="dc-code-lb">webhook payload</span><pre>{
24  &quot;webhook_type&quot;: &quot;MODULE&quot;,
25  &quot;event&quot;: &quot;MODULE_COMPLETED&quot;,
26  &quot;case_id&quot;: &quot;00000000-0000-0000-0000-000000000001&quot;,
27  &quot;module_type&quot;: &quot;CASH_FLOW_ANALYSIS&quot;,
28  &quot;instance_id&quot;: &quot;00000000-0000-0000-0000-000000000002&quot;,
29  &quot;reference_id&quot;: &quot;loan_app_42&quot;,
30  &quot;environment&quot;: &quot;production&quot;
31}</pre></div><h3 class="dc-h3">4. Fetch the result</h3><div class="dc-code"><span class="dc-code-lb">request</span><pre>curl &quot;.../api/cases/$CASE_ID/modules/cash_flow_analysis/analysis/$RESULT_ID&quot; \
32  -H &quot;Authorization: Bearer $KORA_API_KEY&quot;</pre></div><div class="dc-code"><span class="dc-code-lb">response</span><pre>{
33  &quot;module_type&quot;: &quot;cash_flow_analysis&quot;,
34  &quot;instance_id&quot;: &quot;00000000-0000-0000-0000-000000000002&quot;,
35  &quot;result_id&quot;: &quot;00000000-0000-0000-0000-000000000003&quot;,
36  &quot;analyzed_at&quot;: &quot;2026-04-27T18:00:30.123Z&quot;,
37  &quot;data&quot;: { /* full analysis payload, documented in the full reference */ }
38}</pre></div><p class="dc-p">The <code class="dc-c">data</code> field contains the structured analysis: recurring income, monthly inflow/outflow, risk insights, and any flags that triggered. Its exact shape is pinned by your<!-- --> <code class="dc-c">Kora-Api-Version</code> and documented field by field in the full reference.</p><h2 class="dc-h2" id="authentication">Authentication</h2><p class="dc-p">Every request carries a Bearer API key. Requests without a valid key return <code class="dc-c">401 Unauthorized</code>; a valid key without access to the resource returns <code class="dc-c">403 Forbidden</code>.</p><div class="dc-code"><pre>Authorization: Bearer $KORA_API_KEY</pre></div><p class="dc-p">Keys live in the KoraConnect dashboard, under your integration settings. Sandbox and production are<!-- --> <strong>completely separate accounts</strong> with different dashboards, different keys and different data, and the keys are visually identical, so label your environment variables clearly. Each key is bound to a client type: <code class="dc-c">LENDER</code> <!-- -->keys call the Case API, <code class="dc-c">DEALER</code> keys call the Dealer API, never both.</p><p class="dc-p">Key rotation runs the new key alongside the old with a cutover window (typically 7 days). Suspected compromise gets immediate revocation. Contact support.</p><h2 class="dc-h2" id="versioning">API versioning</h2><p class="dc-p">Header-based date versioning. Pin your integration to a dated version and that version&#x27;s request and response shapes keep working, even after breaking changes ship for new clients.</p><div class="dc-code"><pre>Kora-Api-Version: 2025-09-30</pre></div><div class="dc-tw"><table class="dc-t"><thead><tr><th>Version</th><th>Status</th></tr></thead><tbody><tr><td><code class="dc-c">2025-09-30</code></td><td>Current, recommended for new integrations</td></tr><tr><td><code class="dc-c">2025-07-31</code></td><td>Supported</td></tr><tr><td><code class="dc-c">2025-01-31</code></td><td>Supported, initial stable release</td></tr></tbody></table></div><p class="dc-p">Omitting the header uses your account&#x27;s pinned default; best practice is to always send it explicitly. Versions bump only for backward-incompatible changes (renamed or removed fields, type changes, new required fields). New endpoints, optional fields and additive response fields don&#x27;t bump the version. Deprecations get at least 6 months of notice; no version has been sunset yet.</p><h2 class="dc-h2" id="webhooks">Webhooks</h2><p class="dc-p">Webhooks are the production pattern for knowing when work finishes: push, not poll. Configure your endpoint and read your signing secret in the dashboard.</p><div class="dc-tw"><table class="dc-t"><thead><tr><th>
38Family</th><th>Events</th></tr></thead><tbody><tr><td><code class="dc-c">CASE</code></td><td><span><code class="dc-c">CASE_CREATED</code>, <code class="dc-c">STAGE_ADVANCED</code>,<!-- --> <code class="dc-c">CASE_CANCELLED</code></span></td></tr><tr><td><code class="dc-c">MODULE</code></td><td><span><code class="dc-c">MODULE_COMPLETED</code>, <code class="dc-c">MODULE_INSUFFICIENT</code>,<!-- --> <code class="dc-c">MODULE_ERROR</code>, <code class="dc-c">MODULE_DOCUMENT_UPLOADED</code>,<!-- --> <code class="dc-c">MODULE_CONNECTED</code></span></td></tr></tbody></table></div><h3 class="dc-h3">Signature verification</h3><p class="dc-p">Every delivery carries an <code class="dc-c">X-Signature</code> header:<!-- --> <code class="dc-c">sha256=…</code>, an HMAC-SHA256 over the<!-- --> <strong>raw request body</strong> keyed with your per-environment signing secret. Compute over the exact bytes received (don&#x27;t parse-then-restringify) and compare in constant time:</p><div class="dc-code"><span class="dc-code-lb">node.js</span><pre>import crypto from &quot;crypto&quot;;
39
40function verifyWebhookSignature(rawBody, header, secret) {
41  const expected =
42    &quot;sha256=&quot; +
43    crypto.createHmac(&quot;sha256&quot;, secret).update(rawBody).digest(&quot;hex&quot;);
44
45  if (header.length !== expected.length) return false;
46  return crypto.timingSafeEqual(Buffer.from(expected), Buffer.from(header));
47}</pre></div><h3 class="dc-h3">Retries, ordering, duplicates</h3><p class="dc-p">Success is any 2xx in under 10 seconds. Failures retry twice at 10-minute intervals, then the event is dropped, so consume webhooks into a durable queue on your side promptly. Events are not strictly ordered and can occasionally deliver twice, so handlers should be idempotent and read canonical state via<!-- --> <code class="dc-c">GET /api/cases/<!-- -->{case_id}</code> when in doubt.</p><h2 class="dc-h2" id="errors">Errors</h2><p class="dc-p">Validation failures (<code class="dc-c">400</code>) name the exact field and problem:</p><div class="dc-code"><span class="dc-code-lb">400 validation</span><pre>{
48  &quot;message&quot;: &quot;Validation failed&quot;,
49  &quot;errors&quot;: [
50    { &quot;field&quot;: &quot;phone_number&quot;, &quot;error&quot;: &quot;Phone number must be in E.164 format&quot; },
51    { &quot;field&quot;: &quot;address.postal_code&quot;, &quot;error&quot;: &quot;Postal code must be exactly 5 digits&quot; }
52  ]
53}</pre></div><p class="dc-p">Domain errors carry a human-readable <code class="dc-c">message</code> only. There is no published error-code enum, so branch on HTTP status, not message text. Validation errors are deterministic; don&#x27;t retry them.</p><div class="dc-tw"><table class="dc-t"><thead><tr><th>Status</th><th>Example</th><th>Cause</th></tr></thead><tbody><tr><td><code class="dc-c">404</code></td><td>&quot;Case not found&quot;</td><td>case_id doesn’t exist on this account</td></tr><tr><td><code class="dc-c">404</code></td><td>&quot;Module not configured for this case&quot;</td><td>Workflow doesn’t include the module, response lists available_modules</td></tr><tr><td><code class="dc-c">409</code></td><td>&quot;Module is already running&quot;</td><td>Run called during a transitional state</td></tr></tbody></table></div><h2 class="dc-h2" id="environments">Environments</h2><div class="dc-tw"><table class="dc-t"><thead><tr><th></th><th>Sandbox</th><th>Production</th></tr></thead><tbody><tr><td>Dashboard</td><td><code class="dc-c">dashboard.sandbox.koramoney.com</code></td><td><code class="dc-c">dashboard.koramoney.com</code></td></tr><tr><td>IP allowlist</td><td>No, open from any IP</td><td>Yes, required</td></tr><tr><td>Cost</td><td>Free, provisioned on request</td><td>Contracted</td></tr><tr><td>Credentials</td><td>Separate account, separate keys</td><td>Separate account, separate keys</td></tr></tbody></table></div><p class="dc-p">Finish your integration in sandbox, then onboard your production egress IPs as the last step before live traffic.</p><h2 class="dc-h2" id="dealer-api">Dealer API</h2><p class="dc-p">Dealer integrations use a parallel surface under<!-- --> <code class="dc-c">/api/dealer/*</code> with the same conventions: cases, module runs, verification results, and an income verification report PDF (<code class="dc-c">GET /api/dealer/cases/<!-- -->{case_id}<!-- -->/report/pdf</code>) for the deal jacket. Dealer keys and lender keys are separate, so if you need both surfaces you&#x27;ll receive separate credentials.</p><h2 class="dc-h2" id="full-reference">The full reference</h2><p class="dc-p">The complete reference documents every request, response and analysis data attribute, including how the result schema differs across <code class="dc-c">Kora-Api-Version</code> releases. We keep that level of detail off the open web deliberately.</p><div class="dc-tw"><table class="dc-t"><thead><tr><th>
53You are…</th><th>How to get in</th></tr></thead><tbody><tr><td>A customer or sandbox user</td><td><span><a href="https://dashboard.koramoney.com/auth/sign-in?api-docs=true">Sign in to the dashboard</a>, where the full reference is linked next to your API keys and webhook settings.</span></td></tr><tr><td>New to KoraConnect</td><td><span><a href="/#contact">Book a demo</a> and we&#x27;ll provision a free sandbox with dashboard access, API keys and the full reference included.</span></td></tr></tbody></table></div><p class="dc-foot">Questions? Reach your account manager or<!-- --> <a href="mailto:[email protected]">[email protected]</a>.</p></article></div></div></section></main><footer class="footer cine"><div class="foot-grad" aria-hidden="true"></div><div class="wrap"><div class="foot-grid"><div class="foot-col"><h4>Products</h4><a href="/cash-flow-analysis">Cash Flow Analysis</a><a href="/income-verification">Income Verification</a><a href="/employment-verification">Employment Verification</a><a href="/identity-verification">Identity Verification</a><a href="/insurance-verification">Insurance Verification</a></div><div class="foot-col"><h4>Industries</h4><a href="/auto-and-powersports">Auto &amp; Powersports</a><a href="/dealers">Dealerships &amp; Point of Sale</a><a href="/personal-loan">Personal Loan Lenders</a><a href="/smb">SMB Lending</a><a href="/banks">Banks</a><a href="/credit-unions">Credit Unions</a></div><div class="foot-col"><h4>Use cases</h4><a href="/improve-portfolio-performance">Improve portfolio 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aria-hidden="true"><path d="M17.04 17.043H14.078V12.403C14.078 11.296 14.055 9.872 12.534 9.872C10.99 9.872 10.754 11.076 10.754 12.321V17.043H7.793V7.5H10.637V8.8H10.676C11.073 8.05 12.04 7.26 13.484 7.26C16.485 7.26 17.04 9.234 17.04 11.805V17.043ZM4.447 6.194C3.493 6.194 2.727 5.423 2.727 4.474C2.727 3.525 3.494 2.754 4.447 2.754C4.90317 2.754 5.34066 2.93521 5.66322 3.25778C5.98579 3.58034 6.167 4.01783 6.167 4.474C6.167 4.93017 5.98579 5.36766 5.66322 5.69022C5.34066 6.01279 4.90317 6.194 4.447 6.194ZM5.931 17.044H2.961V7.5H5.931V17.044ZM18.522 0H1.476C0.66 0 0 0.645 0 1.44V18.56C0 19.355 0.66 20 1.476 20H18.518C19.333 20 20 19.356 20 18.56V1.44C20 0.646 19.333 0 18.518 0H18.522Z"></path></svg></a></div><div class="foot-memb"><span class="foot-memb-l">Approved vendor of:</span><div class="foot-memb-row"><img alt="Canadian Lenders Association" loading="lazy" width="256" height="80" decoding="async" data-nimg="1" class="foot-badge" style="color:transparent;width:150px" src="/homepage-assets/2.4.2-20260929T221249381Z-ff4836a-045748/_next/static/media/canadian-lenders-association.9d027ddc.svg"/></div></div></div><div class="foot-base"><div class="foot-copy"><span class="mono">© 2026 Kora Financial Inc. · US &amp; Canada</span><span class="mono">NMLS No. 1635300</span></div><div class="foot-legal"><a href="/documents/terms-of-use">Terms of Use</a><a href="/documents/privacy-policy">Privacy Policy</a></div></div></div></footer></div><!--$--><!--/$--></div>
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