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PUT
/
guarantees
/
credit-status
Update credit status
curl --request PUT \
  --url https://sandbox-api.anzi.finance/v1/guarantees/credit-status \
  --header 'Content-Type: application/json' \
  --header 'X-API-KEY: <api-key>' \
  --data '
{
  "status": "CURRENT"
}
'
{
  "uid": "b4c2d1e3-9a8f-4b7d-86e1-2f3a4c5b6d7e",
  "tokenId": 987654321,
  "coverage": 25000,
  "disbursementDate": "2025-09-05T00:00:00.000Z",
  "dueDate": "2026-12-04T23:59:59.999Z",
  "status": 2,
  "premiumStatus": 2,
  "premium": 1750,
  "principalName": "Empresa XYZ SAS",
  "promissoryNoteId": "PN-0001-XYZ",
  "loanPaymentDueDate": "2025-12-05T23:59:59.999Z",
  "loanAmount": 50000,
  "type": 0,
  "premiumPercentage": 3.5,
  "coveragePercentage": 50,
  "externalReference": "CR-000001-XYZ",
  "isNovation": false,
  "creditStatus": 0,
  "creditStatusUpdatedAt": "2025-09-02T10:30:00.000Z",
  "creditPrincipalOutstanding": 12500,
  "creditLastPaymentDate": "2025-09-10T00:00:00.000Z"
}
Claims in Anzi are automatically managed through credit status updates. If you want to make a claim, you must update the credit status to CLAIM_GUARANTEE.

​
Business rules

  • You cannot update a credit that:
    • already has a claim or is in the “claim guarantee” step, or
    • has a guarantee in a terminal state (CLOSED, CANCELED, NOVATED, or REVOKED).
You must provide creditPrincipalOutstanding and creditLastPaymentDate when the outstanding balance has changed or when the credit status has changed (e.g., to DELINQUENT, CLAIM_GUARANTEE, etc.).
  • Outstanding balance (creditPrincipalOutstanding):
    • Cannot be higher than the last recorded outstanding balance (when there is a previous outstanding balance recorded).
    • Cannot be higher than the original loan amount.
    • Cannot be negative.
  • Last payment date (creditLastPaymentDate):
    • If you provide it, it must be after the day the loan was disbursed.
    • If a last payment was already recorded, the new date cannot be earlier than the previously recorded date.
    • It cannot be a future date.
  • Coupled fields rule (both-or-none):
    • If you provide creditLastPaymentDate, you must also provide creditPrincipalOutstanding.
    • If you provide creditPrincipalOutstanding, you must also provide creditLastPaymentDate.
  • Revoked status (REVOKED):
    • Only allowed when no payments have been reported on the credit (i.e., the outstanding principal equals the original loan amount).
  • Update frequency:
    • You can only update the credit status once per calendar day (evaluated in the license timezone).

​
Guarantee Value (guaranteeValue)

This field is required when your license is configured with variable portfolio premiums paid by installment amount. Specifically, all four conditions must be true:
License fieldRequired value
typeFIRST_LOSS (1)
installmentsEnabledtrue
isPremiumReportedByCollectionstrue
installmentStrategyINSTALLMENT_AMOUNT
When these conditions are met:
  • You must include guaranteeValue in every credit status update.
  • guaranteeValue cannot be negative regardless of the status.
  • The reported value represents the premium amount for the current period and will be accumulated in pendingPremiumsValue until it is collected through payment consolidation.
If your license does not meet all four conditions above, guaranteeValue is ignored and can be omitted. For a full list of error codes, causes, and resolution steps, see Credit Status Error Codes.

Authorizations

​
X-API-KEY
string
header
required

Query Parameters

​
license
string
required

License UID

​
uid
string
required

Guarantee UID

Body

application/json
​
status
enum<string>
required

New credit status to set for the guarantee.

Available options:
CURRENT,
DELINQUENT,
CLAIM_GUARANTEE,
NOVATED,
PAID,
REVOKED
​
creditPrincipalOutstanding
number

Outstanding principal amount of the credit as of the borrower’s last payment date.

Required range: x >= 0
​
creditLastPaymentDate
string<date-time>

Last payment date (ISO 8601).

​
guaranteeValue
number | null

The premium amount collected by the client for the current billing cycle. Required when ALL of the following license conditions are met:

  • license.type = FIRST_LOSS (1)
  • license.installmentsEnabled = true
  • license.isPremiumReportedByCollections = true
  • license.installmentStrategy = INSTALLMENT_AMOUNT

Validation rules:

  • Cannot be negative regardless of status.

When not required by the license configuration, this field is ignored.

Required range: x >= 0

Response

Credit status updated

​
uid
string

Unique identifier of the guarantee.

​
tokenId
number

Numeric identifier assigned to the guarantee token.

​
coverage
number

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
string<date-time>

Date and time when the credit was disbursed.

​
claimDate
string<date-time> | null

Date and time when a claim was registered for this guarantee (if any).

​
dueDate
string<date-time>

Guarantee due date.

​
status
enum<integer>

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

Available options:
0,
1,
2,
3,
4,
5,
6,
7,
8,
9,
10
​
creditStatus
enum<integer>

0=CURRENT, 1=DELINQUENT, 2=CLAIM_GUARANTEE, 3=NOVATED, 4=PAID, 5=REVOKED

Available options:
0,
1,
2,
3,
4,
5
​
creditStatusUpdatedAt
string<date-time>

Timestamp of the last update to creditStatus.

​
creditPrincipalOutstanding
number

Outstanding principal amount of the credit as of the borrower’s last payment date.

​
creditLastPaymentDate
string<date-time> | null

Date and time of the last credit payment (if any).

​
premiumStatus
enum<integer>

0=PENDING, 1=PROCESSING, 2=PAID

Available options:
0,
1,
2
​
premium
number

Premium amount charged for the guarantee (monetary value).

​
principalName
string

Borrower or principal name associated with the credit.

​
loanPaymentDueDate
string<date-time>

Date and time when the loan payment is/was completed by the borrower.

​
loanAmount
number

Original loan principal amount linked to this guarantee.

​
type
enum<integer>

0 = SURETY, 1 = FIRST_LOSS. License type under which this guarantee was created.

Available options:
0,
1
​
premiumPercentage
number

Percentage applied to the loan amount to compute the premium.

​
coveragePercentage
number

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 the loan amount but it depends exclusively on the amount the user has in their own reserve fund (wallet).

​
externalReference
string

Unique credit reference in your system used to identify the guarantee.

​
isNovation
boolean

Indicates if this guarantee results from a novation of a prior guarantee.