Cowdidocs
API ReferenceProducts

List product versions

GET
/v1/products/{productId}/versions

Returns the versions of a product, the newest first. Returns 404 when the caller offers no product with this id. Requires the org:products:read permission.

Authorization

oauth2
AuthorizationBearer <token>

Create a client with POST /v1/oauth/clients, then exchange its credentials for an access token. AUTHORIZATION_CODE clients act on behalf of a signed-in user and always use PKCE; CLIENT_CREDENTIALS clients act as themselves. A client may only be granted scopes its creator already holds — read the grantable list from GET /v1/oauth/clients/scopes.

In: header

Path Parameters

productId*string

The id of the product

Formatuuid

Query Parameters

size?integer

Maximum number of versions to return.

Range0 < value
Default20
after?string

Opaque cursor for the page after this one. Omit for the first page.

before?string

Opaque cursor for the page before this one. Omit for the first page.

Response Body

application/json

application/json

application/json

application/json

application/json

application/json

application/json

curl -X GET "https://example.com/v1/products/0f6b3c2e-6b1d-4e8a-9a51-2f7c8d9e0a1b/versions?size=20"
{  "data": [    {      "id": "7c9e6679-7425-40de-944b-e07fc1f90ae7",      "product_id": "550e8400-e29b-41d4-a716-446655440000",      "version": 1,      "status": "DRAFT",      "name": "Weekly loan",      "description_template": "You pay a fixed {interest_rate} fee for {interest_period_value, plural, one{# week} other{# weeks}}.",      "ussd_description_template": "string",      "terms": {        "product": "TERM_LOAN",        "penalty_fee_configuration": {          "enabled": false        },        "block_policy": {},        "billing_strategy": "ARREARS",        "allocation_order": [          "PENALTY",          "ARREARS",          "INTEREST",          "PRINCIPAL"        ],        "grace_period": {          "value": 3,          "unit": "DAYS"        },        "payment_grace_period": {          "value": 0,          "unit": "DAYS"        },        "tenure": {          "duration": 4,          "unit": "WEEKS"        },        "interest_rate": {          "basis_points": 300,          "period": {            "value": 1,            "unit": "WEEKS"          },          "day_count_convention": "ACTUAL_365"        },        "interest_calculation_method": "FLAT_RATE",        "fixed_interest": null,        "accrual_period": null,        "billing_period": {          "value": 1,          "unit": "WEEKS"        },        "recalculation_mode": "FIXED_TENURE",        "fixed_emi_amount": null,        "interest_accrual_base": "PRINCIPAL",        "interest_billing_mode": "UPFRONT",        "can_spend_continuously": false,        "can_reborrow": false,        "can_spend_in_arrears": true,        "has_deferred_start": false      },      "published_at": "2026-10-08T10:15:30Z",      "created_at": "2026-09-01T10:15:30Z",      "resource_id": "string"    }  ],  "links": {    "next": "/v1/payees?after=eyJpZCI6MX0",    "prev": "/v1/payees?before=eyJpZCI6MX0"  }}
{  "code": "BAD_REQUEST",  "description": "Bad Request"}
{  "code": "UNAUTHORISED",  "description": "Unauthorised"}
{  "code": "FORBIDDEN",  "description": "Forbidden"}
{  "code": "BAD_REQUEST",  "description": "Invalid input"}
{  "code": "RATE_LIMIT_EXCEEDED",  "description": "Too Many Requests"}
{  "code": "INTERNAL_ERROR",  "description": "Internal Server Error"}

Get a product GET

Returns a product with its published version. Returns 404 when the caller offers no product with this id. Requires the `org:products:read` permission. To read every version, list the versions of the product.

Create a loan application POST

Returns a quote for the organization in the path. The request schema's `anyOf` lists the supported configurations by organization. Organization clients must send `user_id` with the `org:lending.loan_applications:write` scope. Select optional `loan_product` from `GET /v1/accounts/loan/products/{organization}`, or omit it for the default product. Returns the existing open quote or 409 for an active loan account, an application in progress, or a concurrent application. A credit line product opens the credit line account at the first apply. Without an approved credit-limit override, returns 400 `LOAN_NOT_ELIGIBLE` when the user has no active merchant record, and 400 `PHONE_NUMBER_REQUIRED` when the user has no phone number. Next, send `loan_amount` and optional `reference_id` to `POST /v1/accounts/loan/applications/{organization}/{application_id}/apply`. Returns 404 when the organization does not offer the product to the user, or when that check cannot complete.