Cairin Pinjaman Daring Data API

PT. Idana Solusi Sejahtera · Lending 4.4 ★

Cairin: Pinjaman Daring Cepat is the Android cash-loan client of PT. Idana Solusi Sejahtera, an OJK-licensed Indonesian fintech (KEP-29/D.05/2021) and AFPI member with ISO 27001:2022 certification, based at Rukan Permata Senayan Blocks E52, 53 and 55, Jl. Tentara Pelajar No. 1, Grogol Utara, Kebayoran Lama, South Jakarta 12210. Borrowers apply for unsecured Rupiah cash of IDR 500,000–100,000,000 over 91–365 days at a published maximum 24% a year — an IDR 1,000,000, 120-day example totals IDR 1,080,000 with IDR 270,000 monthly — after e-KTP OCR, face liveness, mother’s-maiden-name and emergency-contact forms, a same-name BCA/BNI (or other) disbursement account, Digisign/VIDA e-signature and, when offered, a first-loan 0% window. Home screens split Pinjaman Tunai and Cicilan Besar, a coupon wallet, VA repayment through BCA, Mandiri, BRI and BNI, tenor relaksasi, and optional NPWP/BPJS/SIM/STNK/passport/credit-card uploads to raise limit; sign-in is a 6-digit SMS or WhatsApp OTP plus a PIN. Customer service is [email protected] / 021-24163377. Google Play lists a 4.44 rating across 404,578 reviews and 10M+ downloads. The app competes with Easycash, Tunaiku, Kredivo and PinjamanGo for Indonesian pinjaman online users.

e-KTP OCR rows pin ocrName to ocrId (NIK) together with ocrSex, ocrBirthday and ocrMarriage, then the limit card contrasts homeLoanOutAmount with homeArrivalAmount and homeLoanDeadLine. Emergency-contact rows and incomeMonthly sit on the same borrower file as motherName.

Ajukan Pinjaman commits orderId with loanPrincipal, disbursementAmount, serviceFee and productCode; repayment issues vaPaymentCode plus currentRepayAmount and homeRepayDate. Coupon wallets expose couponMaxDiscount; Digisign returns signStatus and lenderMatching. Collectors and credit desks use those fields for NIK-to-rekening checks and VA matching; openData Studio turns the same data into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Send login OTP

POST /v1/sessions/challenge osint

Sends a 6-digit login code to phoneNumber over otpChannel (WhatsApp or SMS) and returns remaining daily send quota.

Auth: Unauthenticated. JSON body phoneNumber and otpChannel (sms or wa).

phoneNumber
otpChannel
vCodeLeftNumber
ttlSec

POST /v1/sessions/challenge HTTP/1.1
Content-Type: application/json

{
  "phoneNumber": "081234567890",
  "otpChannel": "wa"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "phoneNumber": "081234567890",
    "otpChannel": "wa",
    "vCodeLeftNumber": 4,
    "ttlSec": 59
  }
}

Verify OTP session
POST /v1/sessions/confirm osint
Exchanges phoneNumber and the 6-digit vCode for token and userId used on later calls.
Auth: Unauthenticated. JSON body phoneNumber and vCode. Returns a session token sent as a Token header on later calls (no Bearer prefix).
- phoneNumber
- vCode
- token
- userId
```
POST /v1/sessions/confirm HTTP/1.1
Content-Type: application/json

{
  "phoneNumber": "081234567890",
  "vCode": "483920"
}
```
```
{
  "code": 0,
  "msg": "OK",
  "data": {
    "token": "<session-token>",
    "userId": "10086001",
    "phoneNumber": "081234567890"
  }
}
```

e-KTP OCR submit

POST /v1/identity/id-card opendata

Commits the e-KTP OCR form: ocrName, ocrId (NIK), ocrSex, ocrBirthday, ocrMarriage, ocrKtpAddress, detailAddress, housingCondition and kycVerified.

Auth: Token header carrying the session token from the OTP confirm call.

ocrName
ocrId
ocrSex
ocrBirthday
ocrMarriage
ocrKtpAddress
detailAddress
housingCondition
kycVerified

POST /v1/identity/id-card HTTP/1.1
Content-Type: application/json
Token: <session-token>

{
  "ocrName": "BUDI SANTOSO",
  "ocrId": "3174010101900001",
  "ocrSex": "LAKI-LAKI",
  "ocrBirthday": "1990-01-01",
  "ocrMarriage": "KAWIN",
  "ocrKtpAddress": "JAKARTA SELATAN",
  "detailAddress": "Jl. Melati No. 12 RT 003 RW 004",
  "housingCondition": "Milik Pribadi"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "ocrName": "BUDI SANTOSO",
    "ocrId": "3174010101900001",
    "ocrSex": "LAKI-LAKI",
    "ocrBirthday": "1990-01-01",
    "ocrMarriage": "KAWIN",
    "ocrKtpAddress": "JAKARTA SELATAN",
    "detailAddress": "Jl. Melati No. 12 RT 003 RW 004",
    "housingCondition": "Milik Pribadi",
    "kycVerified": true
  }
}

Face liveness

POST /v1/identity/face-check opendata

Runs the blink/mouth/yaw liveness check and returns faceVerified, remainingOpportunities and faceImageKey.

Auth: Token header carrying the session token from the OTP confirm call.

livenessToken
action
faceVerified
remainingOpportunities
faceImageKey

POST /v1/identity/face-check HTTP/1.1
Content-Type: application/json
Token: <session-token>

{
  "livenessToken": "lv_demo_9a21",
  "action": "blink_mouth_yaw"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "livenessToken": "lv_demo_9a21",
    "faceVerified": true,
    "remainingOpportunities": 2,
    "faceImageKey": "identity/10086001/face.jpg"
  }
}

Personal and contact info

POST /v1/borrowers/profile opendata

Saves the personal-info form: motherName, email, education, incomeMonthly, industryJob, otherPlatformLoanAmount and two emergency contacts.

Auth: Token header carrying the session token from the OTP confirm call.

motherName
email
education
incomeMonthly
industryJob
otherPlatformLoanAmount
contactsSubmitted

POST /v1/borrowers/profile HTTP/1.1
Content-Type: application/json
Token: <session-token>

{
  "motherName": "SRI WAHYUNI",
  "email": "[email protected]",
  "education": "SMU",
  "incomeMonthly": 4500000,
  "industryJob": "I004-W001",
  "otherPlatformLoanAmount": 0,
  "contacts": [
    {"name": "Ani Santoso", "phone": "081298765432", "relation": "Orang Tua"},
    {"name": "Joko Widodo", "phone": "081211122233", "relation": "Teman"}
  ]
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "motherName": "SRI WAHYUNI",
    "email": "[email protected]",
    "education": "SMU",
    "incomeMonthly": 4500000,
    "industryJob": "I004-W001",
    "otherPlatformLoanAmount": 0,
    "contactsSubmitted": 2
  }
}

Credit-limit card
GET /v1/borrowers/credit-line openfinance
Loads the home/KYC limit card: maxLoanAmount, approved homeLoanOutAmount versus homeArrivalAmount, applied tenor and creditStatus.
Auth: Token header carrying the session token from the OTP confirm call.
- maxLoanAmount
- homeLoanOutAmount
- homeArrivalAmount
- homeAppliedAmount
- homeAppliedDeadLine
- homeLoanDeadLine
- dailyInterestRate
- creditStatus
```
GET /v1/borrowers/credit-line HTTP/1.1
Token: <session-token>
```
```
{
  "code": 0,
  "msg": "OK",
  "data": {
    "maxLoanAmount": 1600000,
    "homeLoanOutAmount": 1000000,
    "homeArrivalAmount": 985000,
    "homeAppliedAmount": 1000000,
    "homeAppliedDeadLine": 14,
    "homeLoanDeadLine": 14,
    "dailyInterestRate": "0.066%",
    "creditStatus": "AUDITED"
  }
}
```

Bind disbursement account

POST /v1/payout-accounts openbanking

Binds a same-name disbursement bank or e-wallet: accountName, bankcardName, bankcardNum, bindStatus and accountType (B bank / W wallet).

Auth: Token header carrying the session token from the OTP confirm call.

accountName
bankcardName
bankcardNum
bankcardNumMasked
bindStatus
accountType

POST /v1/payout-accounts HTTP/1.1
Content-Type: application/json
Token: <session-token>

{
  "accountName": "BUDI SANTOSO",
  "bankcardName": "BCA",
  "bankcardNum": "1234567890"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "accountName": "BUDI SANTOSO",
    "bankcardName": "BCA",
    "bankcardNumMasked": "******7890",
    "bindStatus": "VERIFIED",
    "accountType": "B"
  }
}

Submit loan application

POST /v1/loan-requests openfinance

Commits Ajukan Pinjaman: orderId with loanPrincipal, tenorDays, disbursementAmount, serviceFee, serviceTax, loanPurpose, couponId and productCode (iss001 cash / iss002 large installment).

Auth: Token header carrying the session token from the OTP confirm call.

orderId
loanPrincipal
tenorDays
disbursementAmount
serviceFee
serviceTax
loanPurpose
couponId
productCode

POST /v1/loan-requests HTTP/1.1
Content-Type: application/json
Token: <session-token>

{
  "loanPrincipal": 1000000,
  "tenorDays": 14,
  "loanPurpose": "Pendidikan",
  "bankcardNum": "1234567890",
  "couponId": "c_44001",
  "motherName": "SRI WAHYUNI"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "orderId": "ISS20261020001",
    "loanPrincipal": 1000000,
    "tenorDays": 14,
    "disbursementAmount": 985000,
    "serviceFee": 15000,
    "serviceTax": 1650,
    "loanPurpose": "Pendidikan",
    "couponId": "c_44001",
    "productCode": "iss001"
  }
}

Loan detail and VA repayment

POST /v1/loan-requests/repayment-code openbanking

Issues the virtual-account repayment row for an orderId: currentRepayAmount, homeRepayDate, overdue fields, vaPaymentCode and bankcardName.

Auth: Token header carrying the session token from the OTP confirm call.

orderId
loanStatus
currentRepayAmount
homeRepayDate
currentOverdueDays
currentOverdueAmount
vaPaymentCode
bankcardName

POST /v1/loan-requests/repayment-code HTTP/1.1
Content-Type: application/json
Token: <session-token>

{
  "orderId": "ISS20261020001"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "orderId": "ISS20261020001",
    "loanStatus": "WAIT_REPAYMENT",
    "currentRepayAmount": 270000,
    "homeRepayDate": "2026-11-03",
    "currentOverdueDays": 0,
    "currentOverdueAmount": 0,
    "vaPaymentCode": "8808123456789012",
    "bankcardName": "BCA"
  }
}

Coupon wallet

GET /v1/vouchers opendata

Lists the mine-coupon wallet: couponId, couponStatus (available / used / expired), couponMaxDiscount, couponExpireIn and minPrincipal.

Auth: Token header carrying the session token from the OTP confirm call.

couponId
couponStatus
couponMaxDiscount
couponExpireIn
minPrincipal

GET /v1/vouchers HTTP/1.1
Token: <session-token>

{
  "code": 0,
  "msg": "OK",
  "data": {
    "items": [
      {
        "couponId": "c_44001",
        "couponStatus": "AVAILABLE",
        "couponMaxDiscount": 50000,
        "couponExpireIn": "2026-11-30",
        "minPrincipal": 400000
      }
    ]
  }
}

Limit-upgrade documents

POST /v1/borrowers/supplementary-docs opendata

Uploads an optional limit-upgrade document (NPWP, BPJS, SIM, STNK, passport or credit card) and returns upgradeStatus plus limitHingga.

Auth: Token header carrying the session token from the OTP confirm call.

docType
npwpNumber
imageKey
upgradeStatus
limitHingga

POST /v1/borrowers/supplementary-docs HTTP/1.1
Content-Type: application/json
Token: <session-token>

{
  "docType": "NPWP",
  "npwpNumber": "10.123.456.7-012.000",
  "imageKey": "identity/10086001/npwp.jpg"
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "docType": "NPWP",
    "npwpNumber": "10.123.456.7-012.000",
    "upgradeStatus": "REVIEWING",
    "limitHingga": 5000000
  }
}

Digisign loan agreement

POST /v1/agreements/countersign openfinance

Starts Digisign/VIDA e-signature for an orderId and returns signStatus, lenderMatching and the 48-hour signCountdownSec.

Auth: Token header carrying the session token from the OTP confirm call.

orderId
vidaConsent
signStatus
lenderMatching
signCountdownSec

POST /v1/agreements/countersign HTTP/1.1
Content-Type: application/json
Token: <session-token>

{
  "orderId": "ISS20261020001",
  "vidaConsent": true
}

{
  "code": 0,
  "msg": "OK",
  "data": {
    "orderId": "ISS20261020001",
    "signStatus": "WAIT_LENDER",
    "lenderMatching": true,
    "signCountdownSec": 172800
  }
}

Data categories

otp sessions
kyc profiles
credit limits
bank accounts
loan applications
repayments
coupons

Where teams use this data

e-KTP underwriting match
Credit desks join ocrName and ocrId (NIK) to accountName on the bound bank row so a mismatched KTP versus rekening is blocked before disbursementAmount is released.
Disbursement operations
Treasury bots watch creditStatus AUDITED then homeArrivalAmount versus loanPrincipal and bankcardName (BCA/BNI preferred) to confirm the same-name payout landed.
VA collections
Collectors match inbound transfers to vaPaymentCode and bankcardName before homeRepayDate, escalating when currentOverdueDays and currentOverdueAmount move off zero.
Coupon and limit ops
Growth stacks apply couponId / couponMaxDiscount at submit time and read limitHingga after NPWP or BPJS uploads to see whether the next homeLoanOutAmount band unlocked.

Frequently asked questions

What borrower records does Cairin expose after sign-in?

A signed-in session returns the e-KTP OCR row (ocrName, ocrId NIK, ocrSex, ocrBirthday, ocrMarriage), the limit card (homeLoanOutAmount, homeArrivalAmount, homeLoanDeadLine), the apply ticket (orderId, loanPrincipal, disbursementAmount, serviceFee, productCode), the VA repayment row (vaPaymentCode, currentRepayAmount, homeRepayDate) and the coupon wallet (couponId, couponMaxDiscount).

How does the Android client authenticate?

Send OTP posts phoneNumber and otpChannel (sms or wa); confirm OTP exchanges the 6-digit vCode for token and userId. Later calls send that token as a Token header, without a Bearer prefix.

How is an installment repaid?

The repayment-code call returns orderId, vaPaymentCode, bankcardName, currentRepayAmount and homeRepayDate. Collectors match inbound transfers to that virtual account before the due date, and currentOverdueDays / currentOverdueAmount track late bills.

Which fields track a limit increase?

Optional NPWP/BPJS/SIM/STNK uploads return upgradeStatus and limitHingga; the limit card then refreshes maxLoanAmount and homeLoanOutAmount. Coupons that raise limit carry couponId and minPrincipal.

Apps similar to Cairin: Pinjaman Daring Cepat

Easycash - Pinjaman Daring — Easycash is an OJK-licensed Indonesian unsecured cash-loan app offering IDR 100,000 to IDR 100,000,000 over 3–12 months at a published maximum 36% APR.
Tunaiku - Pinjaman Dana Online — Tunaiku is PT Bank Amar Indonesia Tbk's OJK-licensed unsecured cash-loan (KTA) app, with published amounts of IDR 2 million to IDR 30 million over 6–30 months.
Kredivo - Paylater & Pinjaman — Kredivo is PT Kredivo Finance Indonesia's OJK-licensed paylater and cash-loan line of up to IDR 50 million, with a 30-day pay-in-full option and 3–24 month installments.
PinjamanGo-Pinjaman Uang cepat — PinjamanGo is PT Dana Pinjaman Inklusif's OJK-licensed (KEP-124/D.05/2019) unsecured cash-loan app under Sinar Mas Group, with a published limit of up to Rp6,000,000 over 91–120 days.
Indosaku-Pinjaman Cicilan Uang — Indosaku is an OJK-licensed (KEP-86/D.05/2021) unsecured cash-loan app offering IDR 500,000 to IDR 80,000,000 over 3-, 6- or 12-month tenors (91–365 days).
UangMe - Pinjaman Dana Online — UangMe is an OJK-licensed Indonesian unsecured cash-loan (P2P) app, with published limits of Rp 200,000–Rp 50,000,000 and no collateral required.
AdaKami — AdaKami is PT Pembiayaan Digital Indonesia's OJK-licensed unsecured online cash-loan platform, with flexible 1–12 month tenors on a published 30-day installment cycle.
JULO — JULO is PT JULO Teknologi Finansial's OJK-supervised digital-credit app whose one limit of up to Rp50,000,000 can be drawn as bank cash, e-wallet top-ups, bill pay, or paylater spend.

More Lending apps

Topics

Cairin API
Cairin ocrId
Cairin homeArrivalAmount
PT Idana Solusi Sejahtera data
Indonesian pinjaman kycVerified
Cairin vaPaymentCode
Cairin couponMaxDiscount
OJK pinjaman online fields

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Cairin Pinjaman Daring Data API

Screenshots

API surface

Send login OTP

Verify OTP session

e-KTP OCR submit

Face liveness

Personal and contact info

Credit-limit card

Bind disbursement account

Submit loan application

Loan detail and VA repayment

Coupon wallet

Limit-upgrade documents

Digisign loan agreement

Data categories

Where teams use this data

e-KTP underwriting match

Disbursement operations

VA collections

Coupon and limit ops

Frequently asked questions

Apps similar to Cairin: Pinjaman Daring Cepat

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CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Duxi Finanzas: Préstamo Seguro

Topics

Need this app's data API integrated?

Cairin Pinjaman Daring Data API

Screenshots

API surface

Send login OTP

Verify OTP session

e-KTP OCR submit

Face liveness

Personal and contact info

Credit-limit card

Bind disbursement account

Submit loan application

Loan detail and VA repayment

Coupon wallet

Limit-upgrade documents

Digisign loan agreement

Data categories

Where teams use this data

e-KTP underwriting match

Disbursement operations

VA collections

Coupon and limit ops

Frequently asked questions

Related apps

Apps similar to Cairin: Pinjaman Daring Cepat

More Lending apps

Brigit: Cash Advance & Credit

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Duxi Finanzas: Préstamo Seguro

Topics

Need this app's data API integrated?