> ## Documentation Index > Fetch the complete documentation index at: https://api-docs.anzi.finance/llms.txt > Use this file to discover all available pages before exploring further. # Create Guarantee > Create a guarantee associated with a license using your API Key For a full list of error codes, causes, and resolution steps, see [Error Codes](/core-concepts/errors). ## OpenAPI ````yaml /openapi.yaml post /guarantees openapi: 3.0.3 info: title: Anzi Backend API version: 1.0.0 description: | API reference for Anzi. This spec is scoped to the Organizations module. servers: - url: https://sandbox-api.anzi.finance/v1 description: Sanbox - url: https://api.anzi.finance/v1 description: Production security: [] tags: - name: Licenses description: Operational licenses - name: Users description: Manage users and API keys - name: Claims description: Manage claims paths: /guarantees: post: tags: - Guarantees summary: Create a guarantee description: >- Creates a guarantee associated with a license. Returns the created guarantee entity. parameters: - in: query name: license required: true schema: type: string description: License UID requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreateGuaranteeUsingIntegrationDTO' examples: surety_basic: summary: SURETY with fixed premium (no premiumPercentage) value: borrowerIdType: CC borrowerNationalId: '1234567890' disbursementDate: '2025-09-05' externalReference: CR-000001-XYZ loanAmount: 50000 paymentTerm: '2025-12-05' premiumPercentage: 3.5 installmentsCount: 12 frequency: 1 principalName: Empresa XYZ SAS promissoryNoteId: PN-0001-XYZ responses: '201': description: Guarantee created content: application/json: schema: $ref: '#/components/schemas/GuaranteeCreatedEntity' examples: created: summary: Created guarantee example value: uid: d2e3f4a5-b6c7-8d9e-0f1a-2b3c4d5e6f7a tokenId: 987654321 coverage: 25000 disbursementDate: '2025-09-05T00:00:00.000Z' dueDate: '2026-12-04T23:59:59.999Z' status: 2 premiumStatus: 0 premium: 1750 principalName: Empresa XYZ SAS loanPaymentDueDate: '2025-12-05T23:59:59.999Z' loanAmount: 50000 type: 0 premiumPercentage: 3.5 coveragePercentage: 50 externalReference: CR-000001-XYZ frequency: 1 installmentsCount: 12 isNovation: false promissoryNoteId: PN-0001-XYZ '400': description: Bad request (validation error) content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' examples: GUA_08: summary: Premium out of range value: code: GUA_08 message: Premium percentage is out of range GUA_29: summary: Loan amount invalid for license configuration value: code: GUA_29 message: Invalid loan amount GUA_30: summary: Invalid loan durations value: code: GUA_30 message: Invalid loan durations GUA_27: summary: Portfolio Coverage Cap exceeded (SURETY) value: code: GUA_27 message: >- The total coverage cap spent exceeds the limit allowed by the license. Please adjust it to continue creating the guarantee. GUA_28: summary: Coverage exceeds maximum allowed value: code: GUA_28 message: >- The credit coverage exceeds the maximum amount allowed by the license. Please adjust it to complete the guarantee creation. GUA_37: summary: Missing/invalid loan terms for variable premium value: code: GUA_37 message: >- Is not possible to calculate the guarantee premium. Check the data and try again GUA_15: summary: >- Disbursement date before license creation month or outside range value: code: GUA_15 message: >- Disbursement date is invalid: it is before the license creation month or outside the allowed range. GUA_16: summary: >- Disbursement date out of range (before previous month or after today) value: code: GUA_16 message: >- Disbursement date is invalid: it is before the previous month or after today. GUA_06: summary: Duplicate external reference value: code: GUA_06 message: >- This credit reference has already been used. Use a new one so we can process this guarantee. GE_01: summary: Generic business validation error value: code: GE_01 message: Bad Request '401': description: Unauthorized (invalid API key) content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' security: - apiKeyAuth: [] components: schemas: CreateGuaranteeUsingIntegrationDTO: type: object required: - borrowerAddress - borrowerEmail - borrowerIdType - borrowerNationalId - borrowerPhone - disbursementDate - externalReference - frequency - installmentsCount - loanAmount - paymentTerm - premiumPercentage - principalName - promissoryNoteId properties: borrowerAddress: type: string nullable: true description: Borrower address (optional). borrowerEmail: type: string format: email nullable: true description: Borrower email (optional). borrowerIdType: type: string enum: - PA - CC - CE - NIT - RUT - PPT - CDE - DNI_AG - CUIT - CUIL - CDI - INE - CURP - RFC - SSN - ITIN - EIN - CI - RUT_UY - DNI_PE - RUC - PTP - CPP description: | National ID document type (LATAM + US). - PA: Pasaporte (Passport) - CC: Cédula de Ciudadanía (Colombia) - CE: Cédula de Extranjería (Colombia, código único) - NIT: Número de Identificación Tributaria (Colombia, empresas) - RUT: Registro Único Tributario (Colombia, cuando aplique) - PPT: Permiso por Protección Temporal (Colombia) - CDE: Cédula de Extranjería (Colombia, código legado) - DNI_AG: Documento Nacional de Identidad (Argentina) - CUIT: Clave Única de Identificación Tributaria (Argentina) - CUIL: Clave Única de Identificación Laboral (Argentina) - CDI: Clave de Identificación (Argentina) - INE: Credencial para votar (México) - CURP: Clave Única de Registro de Población (México) - RFC: Registro Federal de Contribuyentes (México) - SSN: Social Security Number (EE. UU.) - ITIN: Individual Taxpayer Identification Number (EE. UU.) - EIN: Employer Identification Number (EE. UU., empresas) - CI: Cédula de Identidad (Uruguay) - RUT_UY: Registro Único Tributario (Uruguay) - DNI_PE: Documento Nacional de Identidad (Perú) - RUC: Registro Único de Contribuyentes (Perú) - PTP: Permiso Temporal de Permanencia (Perú) - CPP: Carné de Permiso Temporal de Permanencia (Perú) borrowerNationalId: type: string description: Borrower national ID. borrowerMunicipalityCode: type: string nullable: true description: Municipality code where the borrower is located (optional). borrowerPhone: type: string nullable: true description: Borrower phone (optional). disbursementDate: type: string format: date description: >- Disbursement date (YYYY-MM-DD). Defaults to current date in license timezone and is validated against allowed windows. externalReference: type: string description: Unique credit reference in your system. Must be unique per license. frequency: type: integer enum: - 0 - 1 - 2 - 3 description: > Installment frequency NONE (0) WEEKLY (1), BIWEEKLY (2), MONTHLY (3). **Rule:** When a credit is repaid through a single payment instead of installments, the frequency must be set to NONE. gracePeriod: type: number nullable: true minimum: 0 description: Days of grace period after due date (optional). installmentsCount: type: integer minimum: 1 description: | Number of installments for the loan. **Rule:** when frequency is NONE, send installmentsCount = 1. lineOfCredit: type: string nullable: true description: Line of credit identifier (optional). loanAmount: type: number description: Loan amount. Must be within the license allowed range. paymentTerm: type: string format: date description: >- Loan due date (YYYY-MM-DD). Must be within the license min/max terms. premiumPercentage: type: number nullable: false description: >- Premium percentage to apply to the loan. For variable-premium licenses defined by the client, it must be within [license.minimumPremium, license.maximumPremium]. For other licenses, send the agreed premium percentage (typically the license.premium) principalName: type: string description: Principal/borrower name. promissoryNoteId: type: string description: Promissory note identifier. Must be unique per license. GuaranteeCreatedEntity: type: object description: Response shape returned right after creating a guarantee properties: uid: type: string description: Unique identifier of the guarantee. tokenId: type: number description: Numeric identifier assigned to the guarantee token. coverage: type: number description: >- Maximum amount payable if the linked loan defaults. For guarantees created under FIRST LOSS licenses (license.type = FIRST_LOSS), coverage depends exclusively on the amount the user has in their own reserve fund (wallet). disbursementDate: type: string format: date-time description: Date and time when the credit was disbursed. dueDate: type: string format: date-time description: Guarantee due date. status: type: integer enum: - 0 - 1 - 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9 - 10 description: >- 0=PENDING_ACTIVATION, 1=VALIDATING_PREMIUM_PAYMENT, 2=COVERING, 3=PENDING_CLAIM, 4=CLAIM_APPROVED, 5=PAYING_GUARANTEE, 6=CLOSED, 7=CLAIM_REJECTED, 8=CANCELED, 9=NOVATED, 10=REVOKED creditStatus: type: integer enum: - 0 - 1 - 2 - 3 - 4 - 5 description: >- 0=CURRENT, 1=DELINQUENT, 2=CLAIM_GUARANTEE, 3=NOVATED, 4=PAID, 5=REVOKED. For new guarantees the initial status is always CURRENT=0. premiumStatus: type: integer enum: - 0 - 1 - 2 description: 0=PENDING, 1=PROCESSING, 2=PAID premium: type: number description: Premium amount charged for the guarantee (monetary value). principalName: type: string description: Borrower or principal name associated with the credit. loanPaymentDueDate: type: string format: date-time description: Date and time when the loan payment is/was due. loanAmount: type: number description: Original loan principal amount. type: type: integer enum: - 0 - 1 description: 0 = SURETY, 1 = FIRST_LOSS premiumPercentage: type: number description: Percentage applied to the loan amount to compute the premium. coveragePercentage: type: number description: >- Percentage of the principal amount that is covered by the guarantee. For guarantees created under FIRST LOSS licenses (license.type = FIRST_LOSS), coverage is equal to the loan amount but it depends exclusively on the amount the user has in their own reserve fund (wallet). externalReference: type: string description: Unique credit reference in your system. isNovation: type: boolean description: >- Indicates if this guarantee results from a novation of a prior guarantee. promissoryNoteId: type: string description: Promissory note identifier. ErrorResponse: type: object properties: code: type: string message: type: string securitySchemes: apiKeyAuth: type: apiKey in: header name: X-API-KEY ````