Displaying 2L Marketplace Offers

This section of the guide is divided into two parts:

• Required Fields: This covers all of the fields partners building a Native API integration will need to display from Engine's offer responses

• Compliance: This covers the various consents, disclosures and guidance required to receive approval from the Engine Compliance team and Financial Services partners

Special Offer Responses

Engine’s Financial Services partners require partners building a Native API integration to display a basic set of information associated with their offers. Here are the required fields to display:

• Partner Logo

• Offer Name

• CTA (as url in the response)

• Product Sub Type

• Offer Description

• Offer Disclaimer (may or may not be present - if present, it must be displayed in the UI)

Second Look Marketplaces are returned in the specialOffersarray in the offer response, and they may be static or dynamic.

Similar to loan offers, dynamic alternative product offers may appear in pendingResponses before ultimately resolving.

Here’s an example of an individual offer after resolving:

{
    "uuid": "1f7a2465-f5ae-4789-9f85-6d0ff135622f",
    "name": "Get 0% APR cash advances up to $500",    
    "desc": "Unplanned expenses? Use a cash advance from Partner Test..",
    "disclaimer": "These products are subject to stipulations...",
    "url": "https://offers.engine.tech/ref/db7c6f9e-505b-40af-af23-6e241af3e826",
    "partnerName": "Partner Test",
    "partnerImageUrl": "https://s3.amazonaws.com/images.engine.tech/logos/prod/partner",
    "recommendationScore": 264,
    "payout": 2.64,
    "productSubType": "credit_builder"
}

Currently, responses will have up to 11 offer objects in the `specialOffers` array in the response, one offer per productSubType. In the future, Engine by MoneyLion may add support for different configurations.

Product Sub Type - Possible Values

Here is a list of possible values for productSubType in a specialOffers response object, each with a suggested mapping to its plain English text representation:

• cash_advance => Cash Advance

• credit_builder => Credit Builder

• credit_card => Credit Card

• credit_repair => Credit Repair

• debt_relief => Debt Relief

• education_offers => Education Offers

• employment_opportunity => Employment Opportunity

• financial_wellness => Financial Wellness

• installment_loans => Installment Loans

• overdraft_protection => Overdraft Protection

• revenue_based_financing => Revenue Based Financing

Mapping API Fields to Offer Card

Please see Appendix D for guidance on mapping API response fields to an offer card for the following products:

When a disclaimer is not present, Engine does not display the "Disclaimers" field:

2nd Look Offer without the "Disclaimers" field

The below language must be displayed on the offers page, regardless of whether or not offers were available for the user:

• “If you did not receive an offer from a specific Lending Partner, they may not have been able to determine whether you qualified for a personal loan based on the information you provided. No credit decision has been made. You may still qualify for a personal loan from our partners.”

Sample Fiona 2nd Look Offer Table

Screenshot of Fiona 2nd Look Offer Table

Compliance

In order to receive approval from the Engine by MoneyLion Compliance team and Financial Services partners, partners building a Native API integration must include certain on the offer display page.

Please see our Compliance Guidelines for more information.

General Disclosures

Partners building a Native API integration must include the Advertiser Disclosure, Representative Example & APR Disclosure, and Other Disclosure on the offer display page, using the same guidance as provided in the previous section.

The below language must be displayed on the offers page, regardless of whether or not offers were available for the user:

• “If you did not receive an offer from a specific Lending Partner, they may not have been able to determine whether you qualified for a personal loan based on the information you provided. No credit decision has been made. You may still qualify for a personal loan from our partners.”