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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.

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Developer Glossary

This glossary clarifies financial and product terms that appear throughout the docs to help developers implement correctly.

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A

  • API Key: Credential issued by Anzi used as X-API-KEY to authenticate API requests for your organization.

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B

  • Borrower (Principal): The person or business that receives a loan and is obligated to repay it.

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C

  • Claim: A formal request to receive payment under a guarantee when the borrower fails to meet the loan obligations.
  • Consolidation (Netting): A periodic settlement that offsets what each party owes, producing a single net amount to pay or receive.
  • Coverage: The portion of a loan that is protected by the guarantee—the maximum amount Anzi will pay if the agreed conditions are met.
  • Credit Status: The current repayment condition of a loan (e.g., up to date, late, in claim, paid).

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D

  • Default: When the borrower fails to make payments as agreed, triggering protection or collection actions defined in the contracts.
  • Disbursement Date: The date when the loan funds are delivered to the borrower.

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F

  • First Loss (License Type): An arrangement where claims are paid from a reserve funded by premiums from the client.
  • Frequency: How often the borrower makes installment payments (for example, weekly or monthly).

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G

  • Guarantee: A promise by Anzi to compensate the financial institution if a covered loan goes into default, subject to the agreed terms.

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L

  • License: The agreement and configuration that define rules, limits, coverage, and pricing for guarantees issued to a client. It determines how guarantees are validated and priced.
  • Loan Amount: The original principal amount borrowed by the borrower.
  • Loan Payment Due Date: The scheduled date when a loan payment is due.

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N

  • Novation: The replacement of one obligation with another, transferring rights and duties from an existing guarantee to a new one for the same loan.

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P

  • Premium: The price paid in exchange for guarantee coverage.
  • Premium Percentage: The rate applied to the loan amount to calculate the premium.
  • Premium Status: The current state of premium collection or processing.
  • Promissory Note: A signed promise by the borrower to repay a specific amount under defined terms.

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R

  • Reserve (First Loss): A dedicated reserve of funds built by the client, used to pay claims in First Loss arrangements; coverage stops when the reserve is exhausted.

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S

  • Surety (License Type): An arrangement where Anzi pays claims from its own funds, typically associated with lower premiums.
  • Status (Guarantee): The current operational stage of a guarantee.

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T

  • Token ID: An identifier (often numeric) representing the guarantee in internal systems or ledgers.
  • Timezone (License): The reference timezone used to evaluate dates, cutoffs, and billing cycles.

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Dates and Formats

  • ISO 8601 Date: YYYY-MM-DD (e.g., 2025-09-05).
  • ISO 8601 Duration: Period format like P1M (1 month), P6M (6 months).
Tip: All date/time fields in the API are ISO 8601 unless explicitly noted.