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API Reference

API Architecture​

Authentication​

Authentication Flow​

Authentication Methods​

authentication:
  api_key:
    location: header
    name: X-API-Key
    format: uuid
    
  bearer_token:
    location: header
    name: Authorization
    format: Bearer <token>
    
  oauth2:
    grant_types:
      - client_credentials
      - authorization_code
    scopes:
      - read:loans
      - write:loans
      - read:payments

API Endpoints​

User Management​

/api/v1/users:
  post:
    summary: Create new user
    security:
      - api_key: []
    request:
      content:
        application/json:
          schema:
            type: object
            properties:
              name:
                type: string
              email:
                type: string
              business:
                type: object
    responses:
      201:
        description: User created successfully
      400:
        description: Invalid request
      401:
        description: Unauthorized

  get:
    summary: Get user details
    security:
      - bearer_token: []
    parameters:
      - name: userId
        in: path
        required: true
    responses:
      200:
        description: User details retrieved
      404:
        description: User not found

Loan Management​

/api/v1/loans:
  post:
    summary: Create loan application
    security:
      - bearer_token: []
    request:
      content:
        application/json:
          schema:
            type: object
            properties:
              amount:
                type: number
              term:
                type: integer
              purpose:
                type: string
    responses:
      201:
        description: Loan application created
      400:
        description: Invalid request
      403:
        description: Not eligible

  get:
    summary: Get loan details
    security:
      - bearer_token: []
    parameters:
      - name: loanId
        in: path
        required: true
    responses:
      200:
        description: Loan details retrieved
      404:
        description: Loan not found

Payment Processing​

/api/v1/payments:
  post:
    summary: Process payment
    security:
      - bearer_token: []
    request:
      content:
        application/json:
          schema:
            type: object
            properties:
              loanId:
                type: string
              amount:
                type: number
              method:
                type: string
    responses:
      201:
        description: Payment processed
      400:
        description: Invalid request
      402:
        description: Payment failed

Error Handling​

Error Codes​

error_codes:
  authentication:
    401: Unauthorized access
    403: Forbidden access
    
  validation:
    400: Bad request
    422: Unprocessable entity
    
  business:
    409: Conflict
    412: Precondition failed
    
  system:
    500: Internal server error
    503: Service unavailable

Error Response Format​

{
  "error": {
    "code": "ERROR_CODE",
    "message": "Human readable message",
    "details": {
      "field": "Specific field with error",
      "reason": "Detailed reason for error"
    },
    "requestId": "unique-request-id"
  }
}

Rate Limiting​

Rate Limit Configuration​

rate_limits:
  default:
    rate: 1000
    period: hour
    
  endpoints:
    /api/v1/users:
      rate: 100
      period: minute
      
    /api/v1/loans:
      rate: 50
      period: minute
      
    /api/v1/payments:
      rate: 20
      period: minute

API Versioning​

Version Management​

versioning:
  current: v1
  supported:
    - v1
  deprecated:
    - beta
  sunset:
    beta: 2024-12-31
    
  headers:
    - Accept-Version
    - X-API-Version

Data Models​

User Model​

User:
  type: object
  properties:
    id:
      type: string
      format: uuid
    name:
      type: string
    email:
      type: string
    business:
      $ref: '#/components/schemas/Business'
    created_at:
      type: string
      format: date-time

Loan Model​

Loan:
  type: object
  properties:
    id:
      type: string
      format: uuid
    user_id:
      type: string
      format: uuid
    amount:
      type: number
    term:
      type: integer
    status:
      type: string
      enum:
        - pending
        - approved
        - rejected
        - active
        - closed

Best Practices​

API Design​

  1. RESTful principles
  2. Consistent naming
  3. Proper versioning
  4. Clear documentation

Security​

  1. Authentication
  2. Authorization
  3. Rate limiting
  4. Input validation

Performance​

  1. Response caching
  2. Pagination
  3. Efficient queries
  4. Compression

Monitoring​

  1. Request logging
  2. Error tracking
  3. Performance metrics
  4. Usage analytics