RING personal-loan, CoinZ, CKYC and EMI APIs

OnEMI Technology Solutions Limited · Lending 4.9 ★

RING by Kissht: Personal Loan is OnEMI Technology Solutions Limited's India consumer-lending client (Play package com.ideopay.user, the Pay With Ring stack that also ships Kissht). Borrowers register with a mobile number, finish 100% digital PAN and KYC, then take an unsecured personal loan from ₹5,000 to ₹5,00,000 over 6–60 months at interest from 1% per month (published APR 17%–45%). The Play listing's worked example sanctions ₹60,000 for 18 months at 33% p.a. with a ₹4,248 processing fee including GST and a ₹4,271 EMI; net disbursal is ₹55,752. Funds are described as same-day after online agreements with RBI-registered NBFCs Si Creva Capital, MAS Financial Services, Northern Arc Capital and SMFG India Credit. The same Android client hosts PayWithRing UPI, a revolving Flexi/Ring limit, an SBM wallet-card, CoinZ rewards, Credit Pulse bureau scores, account-aggregator bank pulls, BNPL and insurance add-ons. Google Play rates it about 4.87 across 1,213,540 reviews and the listing claims 10 million-plus Indian users; it sits next to Kissht (com.fastbanking), Money View, KreditBee and CASHe for salaried and self-employed borrowers.

CoinZ reward ledgers pin coinz to the signed-in borrower, and Credit Pulse detail returns credit_score with last_score_updated_at after PAN validation.

Active EMI books expose emi_amount, outstanding_amount and loan_reference_number; the Flexi wallet snapshot carries wallet_balance and available_limit. Account-aggregator FIP lists add fip_id and fip_name for bank-statement pulls. Collections, LOS and loyalty teams reconcile disbursals, bureau-driven offers and CoinZ redemptions from those objects, and openData Studio turns them 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 Android login OTP

POST /v1/otp/dispatch osint

Sends a login OTP to mobile_number so the RING authentication screen can verify the borrower and mint tokens.

Auth: Unauthenticated; mobile_number and device_id in JSON body. Response seeds the OTP-confirm step.

mobile_number
device_id
user_id
otp_reference_number
success
message

POST /v1/otp/dispatch HTTP/1.1
Content-Type: application/json
X-Client-OS-Version: 35

{
  "mobile_number": "9876543210",
  "device_id": "a1b2c3d4e5f6"
}

{
  "success": true,
  "message": "OTP sent",
  "data": {
    "mobile_number": "9876543210",
    "user_id": "USR-10028441",
    "otp_reference_number": "OTP-8821"
  }
}

Android OTP authentication

POST /v1/otp/confirm osint

Exchanges the SMS OTP for access_token, refresh_token, auth_token and user_id used on later signed-in calls.

Auth: OTP plus mobile_number in the JSON body; response mints access_token and refresh_token.

access_token
refresh_token
auth_token
user_id
mobile_number
otp
device_id

POST /v1/otp/confirm HTTP/1.1
Content-Type: application/json
X-Client-OS-Version: 35

{
  "mobile_number": "9876543210",
  "otp": "482913",
  "device_id": "a1b2c3d4e5f6"
}

{
  "success": true,
  "data": {
    "access_token": "eyJhbGciOiJIUzI1NiJ9...",
    "refresh_token": "rt_9f3a",
    "auth_token": "at_7c2a",
    "user_id": "USR-10028441",
    "mobile_number": "9876543210"
  }
}

Fetch CKYC record

GET /v1/kyc/profile osint

Returns the signed-in borrower's CKYC identity row: name, PAN, masked Aadhaar, CKYC KIN and registered address used on the digital KYC confirmation screen.

Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.

full_name
date_of_birth
pan_number
aadhaar_number
ckyc_kin_number
ckyc_address
pincode
mobile_number

GET /v1/kyc/profile HTTP/1.1
Authorization: Bearer <access_token>

{
  "success": true,
  "data": {
    "full_name": "PRIYA SHARMA",
    "date_of_birth": "1992-08-14",
    "pan_number": "ABCDE1234F",
    "aadhaar_number": "XXXX-XXXX-3210",
    "ckyc_kin_number": "10001234567890",
    "ckyc_address": "12 MG Road, Bengaluru 560001",
    "pincode": "560001",
    "mobile_number": "9876543210"
  }
}

Fetch bureau credit score
GET /v1/credit/bureau-score opendata
Reads the bureau meter on the credit-score screen: current score, last refresh timestamp and the 300–900 scale bounds.
Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.
- credit_score
- current_score
- last_score_updated_at
- upper_score
- lower_score
- pan_number
- score
```
GET /v1/credit/bureau-score HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": {
    "credit_score": 754,
    "current_score": 754,
    "last_score_updated_at": "2026-10-12T06:40:00Z",
    "upper_score": 900,
    "lower_score": 300,
    "pan_number": "ABCDE1234F",
    "score": 754
  }
}
```
Credit Pulse user detail
GET /v1/credit/health/profile opendata
Loads the standalone Credit Pulse profile used on the paid bureau-toolkit screen after PAN validation.
Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.
- credit_score
- creditPulseStatus
- pan_number
- last_score_updated_at
- full_name
```
GET /v1/credit/health/profile HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": {
    "credit_score": 754,
    "creditPulseStatus": "ACTIVE",
    "pan_number": "ABCDE1234F",
    "last_score_updated_at": "2026-10-12T06:40:00Z",
    "full_name": "PRIYA SHARMA"
  }
}
```

List user loans

GET /v1/loans openfinance

Returns the borrower's Insta/Flexi loan book: sanctioned loan_amount, EMI, outstanding, disbursal_amount, next due date and tenure.

Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.

active_loan
loan_reference_number
loan_status
loan_amount
emi_amount
emi_count
outstanding_amount
disbursal_amount
due_date
next_emi_date
interest_rate
tenure
processing_fee

GET /v1/loans HTTP/1.1
Authorization: Bearer <access_token>

{
  "success": true,
  "data": {
    "active_loan": true,
    "loans": [
      {
        "loan_reference_number": "LN-552188",
        "loan_status": "ACTIVE",
        "loan_amount": 60000.0,
        "emi_amount": 4271.0,
        "emi_count": 18,
        "outstanding_amount": 55752.0,
        "disbursal_amount": 55752.0,
        "due_date": "2026-11-05",
        "next_emi_date": "2026-11-05",
        "interest_rate": 33.0,
        "tenure": 18,
        "processing_fee": 4248.0
      }
    ]
  }
}

Credit-line offer
GET /v1/credit-line/offer openfinance
Reads the sanctioned Flexi/Ring line offer: offer amount, remaining available_limit, processing fee, ROI and the KFS document link.
Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.
- offer_id
- offer_amount
- available_limit
- credit_limit
- eligible_credit_limit
- processing_fee
- interest_rate
- tenure
- kfs_url
```
GET /v1/credit-line/offer HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": {
    "offer_id": "OFF-22016",
    "offer_amount": 80000.0,
    "available_limit": 62500.0,
    "credit_limit": 80000.0,
    "eligible_credit_limit": 80000.0,
    "processing_fee": 1999.0,
    "interest_rate": 19.99,
    "tenure": 12,
    "kfs_url": "/v1/documents/kfs-preview"
  }
}
```

Initiate disbursal

POST /v1/disbursals/start openfinance

Starts same-day bank disbursal after the borrower accepts the offer and returns disbursal_status plus the destination account reference.

Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.

disbursal_status
disbursal_amount
disbursal_destination_reference_number
loan_reference_number
loan_amount

POST /v1/disbursals/start HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "loan_reference_number": "LN-552188",
  "loan_amount": 60000.0
}

{
  "success": true,
  "data": {
    "disbursal_status": "IN_PROGRESS",
    "disbursal_amount": 55752.0,
    "disbursal_destination_reference_number": "HDFC0000123-XXXX3210",
    "loan_reference_number": "LN-552188"
  }
}

Calculate foreclosure
POST /v1/loans/foreclosure-quote openfinance
Quotes the foreclosure payoff: remaining outstanding, foreclosure fees, extra interest and the total foreclosure_amount on the close-loan screen.
Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.
- foreclosure_amount
- foreclosure_fees
- outstanding_amount
- foreclosure_interest_amount
- due_date
- loan_reference_number
```
POST /v1/loans/foreclosure-quote HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "loan_reference_number": "LN-552188"
}
```
```
{
  "success": true,
  "data": {
    "foreclosure_amount": 30120.0,
    "foreclosure_fees": 499.0,
    "outstanding_amount": 28750.0,
    "foreclosure_interest_amount": 871.0,
    "due_date": "2026-11-05"
  }
}
```
CoinZ reward balance
GET /v1/rewards/balance opendata
Reads the CoinZ loyalty balance shown on the RING rewards home card; redeem and history sit on sibling rewards routes.
Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.
- coinz
- user_id
- status
```
GET /v1/rewards/balance HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": {
    "coinz": 1250,
    "user_id": "USR-10028441",
    "status": "ACTIVE"
  }
}
```
Account-aggregator FIP list
GET /v1/bank-sharing/providers openbanking
Lists Financial Information Providers the borrower can consent to on the account-aggregator income-verify screen.
Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.
- fip_id
- fip_name
- fip_types
- fip_list
```
GET /v1/bank-sharing/providers HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": {
    "fip_list": [
      {
        "fip_id": "HDFC-FIP",
        "fip_name": "HDFC Bank",
        "fip_types": ["DEPOSIT"]
      }
    ]
  }
}
```
Flexi wallet balance
GET /v1/flexi-wallet/overview openbanking
Reads the SBM/Ring Flexi wallet snapshot on the home limit card: wallet balance, savings-account number and remaining credit limit.
Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.
- wallet_balance
- account_balance
- wallet_ac_no
- available_limit
- credit_limit
```
GET /v1/flexi-wallet/overview HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": {
    "wallet_balance": 12450.75,
    "account_balance": 12450.75,
    "wallet_ac_no": "SBM000112233",
    "available_limit": 62500.0,
    "credit_limit": 80000.0
  }
}
```
Initiate repayment
POST /v1/repayments/start openbanking
Starts an EMI or foreclosure repayment and returns repayment_reference_number plus pending status for the Juspay/Razorpay checkout.
Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.
- status
- repayment_amount
- repayment_reference_number
- loan_reference_number
- amount
```
POST /v1/repayments/start HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "amount": 4271.0,
  "loan_reference_number": "LN-552188"
}
```
```
{
  "success": true,
  "data": {
    "status": "PENDING",
    "repayment_amount": 4271.0,
    "repayment_reference_number": "PAY-8821",
    "loan_reference_number": "LN-552188"
  }
}
```
Home-screen main nav
GET /v1/home/navigation opendata
Returns the home-screen main-nav tiles that gate Get Loan, Credit Pulse, insurance and other RING product entries.
Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.
- main_nav
- nav_id
- status
```
GET /v1/home/navigation HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": {
    "main_nav": [
      {
        "nav_id": "GET_LOAN",
        "status": "ACTIVE"
      },
      {
        "nav_id": "CREDIT_PULSE",
        "status": "ACTIVE"
      }
    ]
  }
}
```
Customer inbox messages
GET /v1/messages opendata
Pages the in-app customer inbox used for collections nudges, offer expiry and KYC reminders.
Auth: Authorization: Bearer access_token issued after OTP sign-in; refresh_token renews the session.
- inbox
- status
- user_id
```
GET /v1/messages HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": {
    "inbox": [
      {
        "status": "UNREAD",
        "user_id": "USR-10028441"
      }
    ]
  }
}
```

Where teams use this data

EMI-book reconciliation
Collections and LOS bots pull emi_amount, outstanding_amount, next_emi_date and loan_reference_number nightly so the servicing ledger matches the in-app EMI calendar.
Bureau and Credit Pulse underwriting
Credit desks read credit_score, last_score_updated_at and pan_number beside offer_amount and available_limit before accepting or refreshing a Flexi/Ring line.
CKYC identity matching
KYC ops match ckyc_kin_number, pan_number, aadhaar_number and full_name against the CKYC registry when DigiLocker or video KYC stalls.
CoinZ and Flexi-limit monitoring
Growth and treasury dashboards watch coinz, wallet_balance and available_limit to see unspent Ring/SBM line and unused loyalty stock.

Frequently asked questions

What identity fields does RING expose after login?

The CKYC call returns full_name, date_of_birth, pan_number, masked aadhaar_number, ckyc_kin_number, ckyc_address and pincode on the signed-in session.

Can I read EMI, disbursal and foreclosure amounts, not just the credit line?

Yes. The loans book returns loan_amount, emi_amount, outstanding_amount, disbursal_amount and next_emi_date. The disbursal start adds disbursal_status, and the foreclosure quote returns foreclosure_amount plus foreclosure_fees.

How does RING authenticate borrowers?

The OTP dispatch and confirm calls mint access_token, refresh_token and auth_token. Later signed-in calls send Authorization: Bearer access_token. Truecaller login sits beside SMS OTP.

Which RING-only products sit on the same session?

CoinZ loyalty (coinz balance, history, redeem), standalone Credit Pulse bureau toolkit, account-aggregator FIP lists, the home-screen navigation tiles, an in-app customer inbox, plus the shared Flexi/SBM wallet and Insta EMI book.

Apps similar to RING by Kissht: Personal Loan

Kissht: Instant Personal Loans — Kissht is OnEMI Technology Solutions Limited's India digital-lending app for unsecured personal and business loans from ₹5,000 to ₹5,00,000 over 6–60 months at a published APR of 17%–45%.
KreditBee — KreditBee is Krazybee Services Limited's India lending app for personal loans from ₹6,000 to ₹10,00,000 over 6–60 months, plus UPI payments, two-wheeler loans and business loans through RBI-registered NBFC partners.
Moneyview — Moneyview is an India finance app that disburses personal loans from ₹5,000 to ₹10,00,000 over 3–60 months and also offers home loans, credit cards, UPI, digital gold and a free CIBIL score check.
Branch Instant Personal Loan — Branch Instant Personal Loan is Branch International's India app for unsecured personal loans up to ₹5,00,000 over 4–24 months, with published interest of 12%–66% p.a. and an RBI-registered NBFC lender.
PhonePe — PhonePe is an India UPI super-app that also runs a digital personal-loan flow with 6–48 month tenures and partner lenders including Aditya Birla, Piramal, IDFC First, L&T Finance, PayU Finance and Credit Saison India.
Paytm — Paytm is an India UPI super-app that also lets users apply for personal loans from ₹50,000 to ₹25,00,000 over 6–60 months at published rates of 10.99%–35% p.a.
Fibe — Fibe is an India instant personal-loan app offering unsecured loans up to ₹10 lakh over 6–36 months, with published interest from 18% p.a. and no foreclosure charges, plus UPI, credit-score tools and loans against mutual funds.
Paisabazaar: Credit Score App — Paisabazaar is an India credit-score and loan marketplace where users can check bureau scores and compare personal-loan offers from 30+ banks and NBFCs, with published rates from 9.99% p.a. and amounts up to ₹50 lakh.

More Lending apps

Topics

ring by kissht
paywithring personal loan
onemi
coinz rewards
credit pulse
ckyc kin
flexi ring limit
account aggregator fip
emi calendar india
sbm wallet

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RING personal-loan, CoinZ, CKYC and EMI APIs

Screenshots

API surface

Send Android login OTP

Android OTP authentication

Fetch CKYC record

Fetch bureau credit score

Credit Pulse user detail

List user loans

Credit-line offer

Initiate disbursal

Calculate foreclosure

CoinZ reward balance

Account-aggregator FIP list

Flexi wallet balance

Initiate repayment

Home-screen main nav

Customer inbox messages

Data categories

Where teams use this data

EMI-book reconciliation

Bureau and Credit Pulse underwriting

CKYC identity matching

CoinZ and Flexi-limit monitoring

Frequently asked questions

Apps similar to RING by Kissht: Personal Loan

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?

RING personal-loan, CoinZ, CKYC and EMI APIs

Screenshots

API surface

Send Android login OTP

Android OTP authentication

Fetch CKYC record

Fetch bureau credit score

Credit Pulse user detail

List user loans

Credit-line offer

Initiate disbursal

Calculate foreclosure

CoinZ reward balance

Account-aggregator FIP list

Flexi wallet balance

Initiate repayment

Home-screen main nav

Customer inbox messages

Data categories

Where teams use this data

EMI-book reconciliation

Bureau and Credit Pulse underwriting

CKYC identity matching

CoinZ and Flexi-limit monitoring

Frequently asked questions

Related apps

Apps similar to RING by Kissht: Personal Loan

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?