What is a Guarantee?

A Guarantee is Anzi’s commitment to pay the financial institution (the beneficiary) if a covered loan goes into default.
Each guarantee is unique and linked to one loan and one License. It inherits that License’s rules and moves through defined states from creation to closure.

Credit Status Updates

As a financial institution using Anzi, you must report the status of your loan portfolio at least once per month.
You can do this via the API — see Update Credit Status — or directly in our web platform. These updates keep your guarantees in sync and govern validations, claims, and coverage according to your License.

Guarantee States

Below are the guarantee states exposed by the API and their meanings.

State	Description
PENDING_ACTIVATION	Initial state when the guarantee is created; coverage has not started.
VALIDATING_PREMIUM_PAYMENT	Anzi is validating receipt of the premium payment required to activate coverage.
COVERING	Coverage is active per the License; the loan is protected.
PENDING_CLAIM	A claim was submitted but is not yet approved; awaiting loan documents and debt endorsement to Anzi. (Valid only for FIRST LOSS licenses)
CLAIM_APPROVED	Claim approved; payment will be processed.
PAYING_GUARANTEE	The claim payment is being processed.
CLOSED	Guarantee closed and no longer active.
CLAIM_REJECTED	Claim rejected (missing documents, no debt endorsement, or not compliant with License rules).
CANCELED	Guarantee canceled; no coverage in force.
NOVATED	Guarantee replaced by a new one due to loan novation (the original is superseded).

What does “Guarantee Consolidation” mean?

At the cut-off date, Anzi prepares a net settlement that offsets:

Premiums due on created guarantees, minus
Claims approved during the same period.

This consolidation reduces the number of transactions for both you and Anzi and determines who must pay whom for the period. Net formula: Net Amount = Premiums Due − Claims approved

If Net Amount > 0 → the client pays Anzi (premiums).
If Net Amount < 0 → Anzi pays the client (claims).

Guarantee Data

Below is a summary of the Guarantee schema fields and their meanings.

Field	Type	Description
uid	string	Unique identifier of the guarantee.
tokenId	number	Numeric identifier assigned to the guarantee token.
claim	object (ClaimEntity)	Claim associated with the guarantee, if any.
claimDate	string (date-time)	ISO 8601 date-time. Date and time when a claim was registered for this guarantee (if any). Nullable.
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).
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 depends exclusively on the amount the user has in their own reserve fund (wallet).
creditLastPaymentDate	string (date-time)	ISO 8601 date-time. Date and time of the last credit payment (if any). Nullable.
creditPrincipalOutstanding	number	Outstanding principal amount of the credit as of the borrower’s last payment date.
creditStatus	integer (enum)	Underlying credit status. 0=CURRENT, 1=DELINQUENT, 2=CLAIM_GUARANTEE, 3=NOVATED, 4=PAID.
creditStatusUpdatedAt	string (date-time)	ISO 8601 date-time. Timestamp of the last update to creditStatus.
disbursementDate	string (date-time)	ISO 8601 date-time. Date and time when the credit was disbursed.
dueDate	string (date-time)	ISO 8601 date-time. Guarantee due date (loan due date plus license grace period).
externalReference	string	Unique credit reference in your system used to identify the guarantee.
frequency	integer (enum)	Installment frequency. 0=WEEKLY, 1=BIWEEKLY, 2=MONTHLY.
gracePeriod	number	Days of grace period after due date (if provided).
installmentsCount	number	Number of installments for the loan.
isNovation	boolean	Indicates if this guarantee results from a novation of a prior guarantee.
lastPaidInstallmentNumber	number	Last installment number that has been paid. Defaults to 0. Only relevant for licenses with installments enabled.
lineOfCredit	string	Line of credit identifier (optional).
loanAmount	number	Original loan principal amount linked to this guarantee.
loanPaymentDueDate	string (date-time)	ISO 8601 date-time. Date and time when the loan payment is/was due.
loanTerm	number	Loan term in days (if provided).
nextInstallmentPremiumDueDate	string (date-time)	ISO 8601 date-time. Due date for the next installment premium payment. Nullable; unset when all installments have been paid. Only relevant for licenses with installments enabled.
pendingPremiumsValue	number	Accumulated premium amount pending collection. For variable portfolio premium licenses, this value increases each time a `guaranteeValue` is reported through a credit status update. Defaults to 0.
premium	number	Premium amount charged for the guarantee (monetary value).
premiumPaymentAllocations	array of objects	Allocation records linking fractions of the premium to specific payments. Each entry contains `payment` (Payment reference), `amount` (number), and `createdAt` (date-time).
premiumPercentage	number	Percentage applied to the loan amount to compute the premium.
premiumStatus	integer (enum)	Premium processing state. 0=PENDING, 1=PROCESSING, 2=PAID.
premiumsValueBeingProcessed	number	Amount of pending premiums already assigned to payments currently being processed. Defaults to 0.
principalName	string	Borrower or principal name associated with the credit.
promissoryNoteId	string	Promissory note identifier.
status	integer (enum)	Operational status. 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.
type	integer (enum)	License type: 0=SURETY, 1=FIRST_LOSS.

Getting Started

Core Concepts

API Reference

Guarantee Overview

What is a Guarantee?

Credit Status Updates

Guarantee States

What does “Guarantee Consolidation” mean?

Guarantee Data

​What is a Guarantee?

​Credit Status Updates

​Guarantee States

​What does “Guarantee Consolidation” mean?

​Guarantee Data

What is a Guarantee?

Credit Status Updates

Guarantee States

What does “Guarantee Consolidation” mean?

Guarantee Data