API Specifications

This section explains how user information is transmitted to Engine by MoneyLion's API via HTTP requests.

There are two steps involved for getting offers from Engine's 2nd Look Marketplace:

Step 1: Submit Lead

As the first step, partners should post to the Submit Lead endpoint with the user's information:

POST to https://api.engine.tech/leads/rateTables

Post Request Authorization

Engine will provide testing and production API access tokens. All requests to the Engine API must be authenticated using a bearer token specified in the Authorization header.

The header value is prefixed with the string "Bearer". Please contact your Engine Partner Manager for an appropriate bearer token for API testing.

Authorization: Bearer xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Request Format

The required format of the request (in JSON) is shown below:

curl -L -X POST 'https://api.engine.tech/leads/rateTables' \
-H 'Content-Type: application/json' \
-H 'Authorization: Bearer xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx' \
-H 'User-Agent: curl/7.68.0' \
--data-raw '{
  "productTypes": ["other"], 
  "personalInformation": {
    "firstName": "John",
    "lastName": "Doe",
    "email": "[email protected]",
    "city": "New York",
    "state": "NY",
    "primaryPhone": "2125556789",
    "address1": "175 5th Ave",
    "address2": "Apartment 5",
    "zipcode": "10010",
    "dateOfBirth": "1993-10-09",
    "ssn": "230-13-2346" 
  },
  "loanInformation": {
    "purpose": "debt_consolidation",
    "loanAmount": 10000
  },
  "mortgageInformation": {
    "propertyStatus": "own_with_mortgage"
  },
  "creditInformation": {
    "providedCreditRating": "good"
  },
  "financialInformation": {
    "employmentStatus": "employed",
    "employmentPayFrequency": "biweekly",
    "annualIncome": 80000
  },
  "legalInformation": {
    "consentsToFcra": true,
    "consentsToTcpa": true,
    "consentsToSms" true,
    "fcraLanguage": "By checking this box/clicking 'agree' I hereby consent to the 'E-Sign Agreement', the 'Credit Authorization Agreement', the Terms of Service and Privacy Policy, and I am providing written consent under the Fair Credit Reporting Act (FCRA) for [Engine by MoneyLion and/or Insert Company Name], its partners and financial institutions to obtain consumer report information from my credit profile. I request that my information be provided to their partners, lenders, and financial services partners to provide me with financial recommendations, which may also include debt relief, credit repair, credit monitoring or other related services",
    "tcpaLanguage": "I agree to be contacted by [Engine by MoneyLion and/or Insert Company Name] its partners and their affiliated companies and financial institutions via email, postal mail service and/or at the telephone number(s) I have provided above to explore various financial products and services I inquired about, including contact through automatic dialing systems, artificial or pre-recorded voice messaging, or text message. Consent is not required as a condition to utilize the service, and you may choose to be contacted by an individual customer care representative(s) by calling XXXXX or emailing XXXX."
  },
  "sessionInformation": {
    "ipAddress": "x.x.x.x",
    "userAgent": "MyApp/2.1 (iOS 16.3; iPhone13,2)"
  }
}'

Required Fields:

Product Types

Field	Type	Required?	Sample Value	Enum/Comment
productTypes*	Array of strings	Y	"loan", "other"	Enum: "loan" "loan", "other" "other"

*In the productTypes array, you may pass ["loan"] for the lead to receive First Look / Personal Loan offers only), ["other"] for the lead to receive Second Look Marketplace offers only, or ["loan", "other"] for the lead to receive 1st Look offers when eligible, or else Second Look offers (if not eligible for any 1st Look offers).

Personal Information

Field	Type	Required? (Yes/No/Conditional)	Sample Value	Enum/Comment
firstName	String	Y	John
lastName	String	Y	Doe
email	String	Y	[email protected]	uses Apache domain name validator
city	String	Y	New York
state	String	Y	NY	2-letter State abbreviation 50 U.S. states + DC / PR / VI
primaryPhone	String	Y	2125556789	See below Regex Validations for more information
address1	String	Y	45 West 21st Street
address2	String	N	5th Floor	Optional
zipcode	String	Y	10010	See below Regex Validations for more information
dateOfBirth	String	Y	1993-10-09	yyyy-mm-dd
ssn	String	Y	111-22-3333	Social Security Number. See below Regex Validations for more information

Loan Information

Field	Type	Required? (Yes/No)	Sample Value	Comment
purpose	String	Y	debt_consolidation	See enum at API reference - purpose
loanAmount	Integer	Y	1000	Unit in USD

Mortgage Information

Field	Type	Required? (Yes/No)	Sample Value	Comment
propertyStatus	String	Y	own_with_mortgage	See enum at API reference - propertyStatus

Credit Information

Field	Type	Required? (Yes/No/Conditional)	Sample Value	Comment
providedCreditRating	String	Conditional	good	See enum at API reference - providedCreditRating
providedNumericCreditScore	Integer	Conditional	750	Either providedCreditRating or providedNumericCreditScore must be present

Financial Information

Field	Type	Required? (Yes/No/Conditional)	Sample Value	Enum/Comment
employmentStatus	String	Yes	employed	See enum at API reference - employmentStatus
employmentPayFrequency	String	Yes	weekly	See enum at API reference - employmentPayFrequency
annualIncome	Integer	Yes	100000	Unit in USD

Education Information

Field	Type	Required? (Yes/No/Conditional)	Sample Value	Enum/Comment
educationLevel	String	N	masters	See enum at API reference - educationLevel

Legal Information

Field	Type	Required? (Yes/No/Conditional)	Sample Value	Enum/Comment
consentsToFcra	Boolean	Yes	true	Must be set to true.
fcraLanguage	String	Yes	"By checking this box/clicking 'agree' I hereby consent to ..."	Must include the exact FCRA language shown to users.
consentsToSms	Boolean	No	true	Highly recommended
consentsToTcpa	Boolean	No	true	Highly recommended*
tcpaLanguage	String	Conditional	"By checking this box/clicking 'agree' I hereby consent to ..."	Required if consentsToTcpa is true. Must include the exact TCPA language shown to users.

*Although the FCC has postponed the effective date of the TCPA One-to-One Consent Rule—meaning the consentsToTcpa field is no longer strictly required (i.e. does not need to be true—Engine still strongly encourages our channel partners to obtain user consent to maintain the highest standards of compliance and performance.

Session Information

Field	Type	Required? (Yes/No)	Sample Value	Enum/Comment
ipAddress	String	Yes	8.8.8.8	Used for fraud detection by Engine and Financial Institution partners
userAgent	String	Yes	MyApp/2.1 (iOS 16.3; iPhone13,2)	Used for fraud detection/prevention by Financial Institution partners

sessionInformation.userAgent should reflect the userAgent of the client (i.e. consumer's device), which is different from the User-Agent required in request headers (which should reflect the channel partner's server).

Client Tags

Field	Type	Required (Yes/No)	Sample Value	Enum/Comment
clientId	array	No	clientId123	Client Tags can be added for ease of reporting/attribution (i.e. for the partner's convenience when Engine reports metrics to the partner). Refer to Client Tags for Reporting for details

Regex Validations

The following fields have the regex checks and will return errors if your lead submission does not adhere to this logic:

personalInformation.primaryPhone

The primary must be a string of 10 digits, with or without a leading 1, and with or without special characters e.g. ()-.

The area code cannot be the same 3 digits repeated, e.g. 222 or 333.

personalInformation.zipcode

The zip code must be a string of either:

1. 5 digits

2. 5 digits, a hyphen -, and 4 more digits

personalInformation.ssn

1. The SSN cannot have all digits in each group be identical (e.g., 111-11-1111 or 222-22-2222).

2. The following specific SSNs are not allowed because they are commonly used in examples or considered invalid:

• 123-45-6789

• 219-09-9999

• 078-05-1120

1. The first group of three digits cannot be:

• 666

• 000

• Any number starting with 9 (e.g., 900–999).

1. The middle group of two digits cannot be:

• 00

1. The last group of four digits cannot be:

• 0000

Response from the Submit Lead Endpoint

After posting to the Submit Lead endpoint, partners will receive a response almost instantaneously. Below is a sample response:

{
  "uuid": "b9b212a8-b284-5986-813e-a8d8e87c1863",
  "leadUuid": "144bd0ea-b9c6-52d5-a7ef-dccb223d060d",
  "loanAmount": 1000,
  "loanOffers": [],
  "mortgageOffers": [],
  "savingsOffers": [],
  "specialOffers": [{...one or more 2nd Look offers, if those resolve immediately}],
  "creditCardOffers": [],
  "pendingResponses": [
    {
      "partner": {
        "uuid": "91d08be0-2a8c-4d28-b399-7e1b38e2522e",
        "name": "Beta Inc.",
        "description": "Voluptas quas aspernatur aut nihil rerum. Voluptatibus laboriosam amet porro veniam ut.",
        "disclaimer": "Est delectus et rem consequatur magni. Molestiae asperiores sit debitis et id corporis.",
        "imageUrl": "https://aff-tag.evenfinancial.com/images/beta/Beta_120x80.png"
      },
      "productTypes": [
        "other"
      ]
    }
  ],
  "pendingOriginators": []
}

You’ll receive the following information upon a successful request. Note that the initial response does not include complete offer information.

• uuid: Engine’s Rate Table UUID, used to retrieve offer data

• leadUuid: Engine’s Lead UUID, which partners should retain for internal records

• loanOffers - This is an array that contains 1st Look offers (i.e. prequalified/preapproved loan offers).

• specialOffers - This is an array that contains 2nd Look Marketplace offers (i.e. alternative products such as debt relief and credit builders)

• pendingOriginators - Deprecated field. Partners should ignore this field.

• pendingResponses - This is a list of FI partners from which Engine is awaiting responses.

  • If pendingResponses is empty, it means all offers from Engine's Financial Partners for the lead have been returned. The supply partner will not need to make any further API calls (i.e. ignore Step 2 below)

  • If pendingResponses is NOT empty, it means Engine is still awaiting responses from FI partners. In this common scenario, the supply partner will need to continue to step 2 and poll the GET originator/rateTables/:uuid endpoint until all requests to FI partners are resolved.

leadUuid is not needed to make the second call to retrieve offers, but you should record it in case you need to reach out to your Partner Manager regarding any questions or issues regarding that lead.

Step 2: Poll the GET /originator/rateTables endpoint for a Specific rate table uuid until pendingResponses is empty

Below are the instructions for the secondary request(s) that channel partners need to follow, in order to retrieve the complete offers for a specific user from Step 1:

1. Capture uuid: Capture the uuid returned in Engine's response (the call made in Step 1)

2. Execute GET request: Use the captured uuid to make a GET request to the endpoint below:

• GET https://api.engine.tech/originator/rateTables/:uuid

1. Polling: If there are pendingResponses (i.e. the array is not empty), continue polling every second.

   • Rate tables will typically resolve within 15 seconds if productTypes is set to "other" .

Below is a sample response from step 2's GET originator/rateTables/:uuid request. The pendingResponses field is empty, showing that all responses from Financial Institution partners have been received by the Engine.

{
  "uuid": "b9b212a8-b284-5986-813e-a8d8e87c1863",
  "leadUuid": "144bd0ea-b9c6-52d5-a7ef-dccb223d060d",
  "loanAmount": 10000,
  "loanOffers": [],
  "mortgageOffers": [],
  "savingsOffers": [],
  "specialOffers": [
      {
          "uuid": "8ddc320c-2a52-4c87-ba35-bfce3a8a7b3a",
          "name": "Mock Credit Builder Offer",
          "desc": "Description of the credit builder offer",
          "url": "https://offers.moneylion.com/ref/37089591-5d47-4219-a532-a65f7bd8c535",
          "partnerName": "Engine Demo Loans Demand Sub Account 1",
          "partnerImageUrl": "https://s3.amazonaws.com/images.evenfinancial.com/logos/dev/engine_demo_loans_demand_sub_account_1-202-wqm88e4a.png",
          "productSubType": "credit_builder",
          "disclaimer": "test special offer disclaimer 1",
          "financialInstitutionUuid": "fa8ed168-9a3e-4612-aa2a-47781dede8f1"
      }
  ],
  "creditCardOffers": [],
  "pendingResponses": [],
  "pendingOriginators": []
}

For your visibility, below are the typical response time it takes for Engine to receive offers from all our Financial Institutions partners.

2nd Look Marketplace Response Time

Percentile	Response Time (seconds)
p25	<1
p50	1
p75	4
p95	11

For mapping of the fields for display, you may refer to the previous section - Displaying 2L Marketplace Offers.

Error codes

Response types are mapped to HTTP status codes. In particular:

• 200 OK: when data is successfully returned for a GET request

• 201 Created: when new data is submitted via a POST

• 400 Bad Request: the submitted data is malformed

• 401 Unauthorized: when the Authorization header is missing, if the value is invalid, or if the corresponding access token lacks the required scopes to complete the request

• 404 Not Found: the URL is invalid, or the resource ID reference in the URL does not exist

• 422 Unprocessable Entity: the submitted data is properly formatted, but invalid according to business logic (some legacy endpoints use 409 Conflict in this case)

• 5xx: server error