Products API

See example payloads to manage different types of products.

Fiskil Platform API allows managing different types of domain-specific products. See below examples how to create products related to specific domains.

Create Savings Product

cURL

curl -X POST https://api.fiskil.com/v1/data-provider/cdr/products \
  -H "Content-Type: application/json" \
  -H "Authorization: Bearer <token>" \
  -d '{
  "additional_information": {
    "eligibility_uri": "https://www.bank.com/legal/savings-account-target-market-determination/",
    "fees_and_pricing_uri": "https://www.bank.com/legal/savings-rate-fee-guide/",
    "overview_uri": "https://www.bank.com/save/",
    "terms_uri": "https://www.bank.com/legal/terms-conditions-savings/"
  },
  "brand": "Your Bank",
  "brand_name": "Your Bank Brand",
  "description": "Your Bank gets you a fee free, high yield savings account. ",
  "is_tailored": false,
  "name": "Savings",
  "product_category": "TRANS_AND_SAVINGS_ACCOUNTS",
  "fees": [
    {
      "name": "Account Keeping Fee",
      "fixed_amount": {
        "amount": "0.00"
      },
      "additional_value": "month",
      "fee_type": "PERIODIC",
      "fee_method_u_type": "fixedAmount"
    }
  ],
  "eligibility": [
    {
      "eligibility_type": "NATURAL_PERSON",
      "additional_value": "Not available for joint applicants or non-individual applicants"
    },
    {
      "eligibility_type": "RESIDENCY_STATUS",
      "additional_value": "Individuals must be an Australian Citizen or Permanent Resident"
    },
    {
      "eligibility_type": "MIN_AGE",
      "additional_value": "18"
    },
    {
      "eligibility_type": "RESIDENCY_STATUS",
      "additional_value": "Applicants must hold valid Australian Photo ID (Drivers Licence or Passport)"
    }
  ],
  "constraints": [
    {
      "constraint_type": "MAX_BALANCE",
      "additional_value": "250000"
    }
  ],
  "deposit_rates": [
    {
      "deposit_rate_type": "VARIABLE",
      "rate": "0.0415",
      "additional_info_uri": "https://www.bank.com/legal/savings-rate-and-fee-guide/",
      "application_frequency": "P1M",
      "application_type": "PERIODIC",
      "tiers": [
        {
          "maximumValue": "250000.00",
          "minimumValue": "5000.00",
          "name": "Amount",
          "unitOfMeasure": "DOLLAR"
        }
      ]
    }
  ],
  "features": [
    {
      "feature_type": "OTHER",
      "additional_info": "Pay Anyone (Direct Entry)"
    },
    {
      "feature_type": "UNLIMITED_TXNS",
      "additional_info": "Unlimited electronic transactions via Your Bank Online (Internet Banking)"
    },
    {
      "feature_type": "DIGITAL_BANKING",
      "additional_info": "Mobile App"
    },
    {
      "feature_type": "DIGITAL_BANKING",
      "additional_info": "Internet Banking"
    }
  ]
}'

Create Loan Product

cURL

curl -X POST https://api.fiskil.com/v1/data-provider/cdr/products \
  -H "Content-Type: application/json" \
  -H "Authorization: Bearer <token>" \
  -d '{
  "additional_information": {
    "eligibility_uri": "https://www.bank.com/legal/secured-personal-loan-target-market-determination/",
    "fees_and_pricing_uri": "https://www.bank.com/legal/credit-fees-guide/"
  },
  "brand": "Your Bank",
  "brand_name": "Your Bank Brand",
  "description": "Bank gets you a secured personal loan with personalised interest rates based on your credit history and doesn't penalise you for making additional repayments or paying your loan out earlier.\n\n\nOrigination via accredited brokers only.",
  "is_tailored": false,
  "name": "Personal Loan",
  "product_category": "PERS_LOANS",
  "fees": [
    {
      "name": "Establishment fee",
      "fixed_amount": {
        "amount": "295.00"
      },
      "fee_type": "UPFRONT",
      "fee_method_u_type": "fixedAmount"
    },
    {
      "name": "Late Payment Fee",
      "fixed_amount": {
        "amount": "0.00"
      },
      "fee_type": "EVENT",
      "fee_method_u_type": "fixedAmount"
    },
    {
      "name": "Early Repayment Fee",
      "additional_info": "Flexibility to make extra repayments or payout loan in full without penalty",
      "fixed_amount": {
        "amount": "0.00"
      },
      "fee_type": "EVENT",
      "fee_method_u_type": "fixedAmount"
    }
  ],
  "eligibility": [
    {
      "eligibility_type": "NATURAL_PERSON",
      "additional_value": "Individuals must have the legal capacity to enter into the loan contract. Not available for joint borrowers or non-individual borrowers."
    },
    {
      "eligibility_type": "RESIDENCY_STATUS",
      "additional_value": "Individuals must be an Australian Citizen or Permanent Resident"
    },
    {
      "eligibility_type": "MIN_AGE",
      "additional_value": "18"
    },
    {
      "additional_info": "Origination via accredited brokers only",
      "eligibility_type": "OTHER",
      "additional_value": "Channel"
    }
  ],
  "constraints": [
    {
      "constraint_type": "MIN_LIMIT",
      "additional_value": "10000.00"
    },
    {
      "constraint_type": "MAX_LIMIT",
      "additional_value": "100000.00"
    }
  ],
  "lending_rates": [
    {
      "lending_rate_type": "FIXED",
      "comparison_rate": "0.1217",
      "repayment_type": "PRINCIPAL_AND_INTEREST",
      "rate": "0.1174",
      "additional_info": "Bank personal loans are available for a minimum of 1 year to a maximum of 7 years.",
      "additional_value": "P7Y",
      "application_type": "MATURITY",
      "interest_payment_due": "IN_ARREARS",
      "loan_purpose": "OTHER",
      "tiers": [
        {
          "maximumValue": "250000.00",
          "minimumValue": "5000.00",
          "name": "Amount",
          "unitOfMeasure": "DOLLAR"
        }
      ]
    }
  ],
  "features": [
    {
      "feature_type": "OTHER",
      "additional_info": "No monthly or annual account keeping fees",
      "additional_value": "No ongoing fees"
    },
    {
      "feature_type": "OTHER",
      "additional_info": "You can make extra repayments or payout the loan in full early without any penalty",
      "additional_value": "No early repayment or payout fees"
    },
    {
      "feature_type": "OTHER",
      "additional_info": "Pay weekly, fortnightly or monthly via direct debit",
      "additional_value": "Repayment frequency"
    }
  ]
}'