> ## Documentation Index > Fetch the complete documentation index at: https://docs.easycred.co.in/llms.txt > Use this file to discover all available pages before exploring further. # Step 1 - Initiate Hosted Journey > Starts a hosted loan journey (channel: API_HOSTED) and returns a single-use hostedUrl to redirect the applicant to EASYCRED web screens. ## OpenAPI ````yaml /api-reference/openapi.json post /api/v1/partner/journey/initiate openapi: 3.1.0 info: title: EASYCRED LENDING APIs version: 1.0.0 description: >- Comprehensive EASYCRED Partner API specification for Product Discovery, Hosted Journeys, Headless Journeys, Application Tracking, and Webhooks. servers: - url: https://api.easycred.co.in description: Production API - url: https://dev.easycred.co.in description: Sandbox / Development API security: - apiKeyAuth: [] tags: - name: Product Access description: Discover and query eligible loan products - name: Hosted Journey description: EASYCRED-hosted webview integration - name: Headless Journey description: Full native REST API journey integration - name: Tracking and Leads description: Track applications and query lead status - name: Webhooks description: Register, list, and manage real-time webhook subscriptions paths: /api/v1/partner/journey/initiate: post: tags: - Hosted Journey summary: Step 1 - Initiate Hosted Journey description: >- Starts a hosted loan journey (channel: API_HOSTED) and returns a single-use hostedUrl to redirect the applicant to EASYCRED web screens. operationId: initiateHostedJourney parameters: - name: x-api-key in: header required: true description: >- Your active EASYCRED Partner API Key (format: ec_live_... or ec_test_...) schema: type: string example: ec_live_abc123_xyz789 - name: x-timestamp in: header required: true description: >- Unix epoch seconds. Requests outside the 5-minute tolerance window are rejected. schema: type: string example: '1759820800' - name: x-nonce in: header required: true description: Unique UUID v4 nonce per request to prevent replay attacks. schema: type: string example: d3b07384-d113-4ec4-9d45-2f928e123456 - name: x-signature in: header required: true description: >- HMAC-SHA256 signature calculated over method, path, timestamp, nonce, and raw request body. schema: type: string example: a1b2c3d4e5f67890123456789abcdef0123456789abcdef0123456789abcdef0 requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/HostedInitiateRequest' examples: personalLoan: summary: Personal Loan (ONLINE_PERSONAL) value: channel: API_HOSTED productCode: ONLINE_PERSONAL mobile: '9876543210' loanAmount: 150000 customer: fullName: Rahul Sharma pan: ABCDE1234F dob: '1992-06-15' gender: MALE employmentType: salaried monthlyIncome: 65000 pinCode: '560001' city: Bengaluru state: Karnataka addressL1: Flat 402, Green Glen Layout, Bellandur pocketLoan: summary: Pocket Loan (ONLINE_SHORT_TERM) value: channel: API_HOSTED productCode: ONLINE_SHORT_TERM mobile: '9876543210' loanAmount: 25000 customer: fullName: Ananya Verma pan: BCDEF2345G dob: '1997-09-20' gender: FEMALE employmentType: salaried monthlyIncome: 35000 pinCode: '110001' city: New Delhi state: Delhi addressL1: Connaught Place businessLoan: summary: Business Loan (ONLINE_BUSINESS) value: channel: API_HOSTED productCode: ONLINE_BUSINESS mobile: '9876543210' loanAmount: 1000000 customer: fullName: Vikram Patel companyName: Patel Industrial Solutions Pvt Ltd pan: ABCDE5678G dob: '1985-08-22' gender: MALE employmentType: selfEmployed annualIncome: 4800000 udyamNumber: UDYAM-KR-03-0123456 pinCode: '400051' city: Mumbai state: Maharashtra addressL1: Unit 12, Ground Floor, Bandra Kurla Complex goldLoan: summary: Gold Loan (ONLINE_GOLD) value: channel: API_HOSTED productCode: ONLINE_GOLD mobile: '9876543210' loanAmount: 200000 customer: fullName: Sunita Verma pan: FGHIJ5678K dob: '1988-04-10' gender: FEMALE employmentType: selfEmployed monthlyIncome: 40000 pinCode: '110024' city: New Delhi state: Delhi addressL1: A-45, Lajpat Nagar 4 goldLoanDetails: jewellaryList: - Gold Bangle 22K (2 Pcs) - Gold Chain 22K (1 Pc) grams: '42.5' responses: '200': description: Journey initiated successfully content: application/json: schema: $ref: '#/components/schemas/HostedInitiateResponse' '400': description: Bad Request - Validation or payload failure content: application/json: schema: $ref: '#/components/schemas/ApiError' '401': description: >- Unauthorized - Invalid API key, signature mismatch, or replayed nonce content: application/json: schema: $ref: '#/components/schemas/ApiError' '403': description: Forbidden - Insufficient permissions or unassigned product scope content: application/json: schema: $ref: '#/components/schemas/ApiError' '404': description: Not Found - The requested resource or application does not exist content: application/json: schema: $ref: '#/components/schemas/ApiError' '429': description: Rate Limit Exceeded - Too many requests in short interval content: application/json: schema: $ref: '#/components/schemas/ApiError' components: schemas: HostedInitiateRequest: type: object required: - channel - productCode - mobile - loanAmount - customer properties: channel: type: string enum: - API_HOSTED example: API_HOSTED productCode: type: string enum: - ONLINE_PERSONAL - ONLINE_SHORT_TERM - ONLINE_BUSINESS - ONLINE_GOLD example: ONLINE_PERSONAL mobile: type: string pattern: ^[6-9]\d{9}$ example: '9876543210' loanAmount: type: number example: 150000 customer: $ref: '#/components/schemas/CustomerDetails' goldLoanDetails: $ref: '#/components/schemas/GoldLoanDetails' HostedInitiateResponse: type: object required: - success - data properties: success: type: boolean example: true data: type: object required: - journeyId - hostedUrl - nextAction properties: journeyId: type: string example: jrn_67a12b3c4d5e6f7a hostedUrl: type: string format: uri example: https://apply.easycred.co.in/journey/resume?token=eyJhbGciOi... nextAction: type: object properties: type: type: string example: WAITING_FOR_REDIRECT category: type: string example: WAIT ApiError: type: object required: - success - error properties: success: type: boolean example: false error: type: string example: Invalid signature or expired timestamp CustomerDetails: type: object required: - fullName - pan - dob - gender - employmentType - pinCode properties: fullName: type: string example: Rahul Sharma pan: type: string pattern: ^[A-Z]{5}[0-9]{4}[A-Z]{1}$ example: ABCDE1234F dob: type: string pattern: ^\d{4}-\d{2}-\d{2}$ example: '1992-06-15' gender: type: string enum: - MALE - FEMALE - OTHER example: MALE employmentType: type: string enum: - salaried - selfEmployed example: salaried monthlyIncome: type: number example: 65000 annualIncome: type: number example: 4800000 companyName: type: string example: Patel Industrial Solutions Pvt Ltd udyamNumber: type: string example: UDYAM-KR-03-0123456 pinCode: type: string pattern: ^\d{6}$ example: '560001' city: type: string example: Bengaluru state: type: string example: Karnataka addressL1: type: string example: Flat 402, Green Glen Layout, Bellandur addressL2: type: string example: Near EcoWorld Tech Park GoldLoanDetails: type: object required: - jewellaryList - grams properties: jewellaryList: type: array items: type: string example: - Gold Bangle 22K (2 Pcs) - Gold Chain 22K (1 Pc) grams: type: string example: '42.5' securitySchemes: apiKeyAuth: type: apiKey in: header name: x-api-key description: EASYCRED Partner API Key ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.