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README.md

Doom CC Loan on App API

1. POST /api/v1/cc-loan-on-app/onboarding

Erangel route: POST /v3-cc-loan-on-app-onboarding

Request Body 
{
  "card_token": "f104d035a92652987b8c82dd91cb13aa1f403d686dcbc3844d261cc8416de9b0"
}
Response Body 
{
  "code": "00",
  "description": "success",
  "data": {
    "admin_fee_note": { 
      "description": "1% dari total pinjaman (min. Rp200.000)",
      "title": "Ketentuan Biaya Admin"
    },
    "eligible": true,
    "eligible_note": "Pinjaman baru belum bisa diajukan karena masih ada proses yang berlangsung.",
    "list": [
      {
        "account_image_name": "britama_bisnis",
        "account_image_path": "http://asset-host/account/britama_bisnis.png",
        "account_name": "BRItama Bisnis",
        "account_no": "029012345678901",
        "account_string": "0290 **** **** 112",
        "admin_fee_string": "Rp200.000",
        "amount_string": "Rp3.200.000",
        "card_image_name": "bri_easy_card",
        "card_image_path": "http://asset-host/card/bri_easy_card.png",
        "card_name": "Agung Harsono",
        "card_no": "2003 **** **** 4302",
        "card_product_type": "Easy Card",
        "interest_rate_string": "0% per bulan",
        "monthly_payment_string": "Rp1.015.000",
        "progress": [
          {
            "status_title": "Pengajuan dalam Analisis",
            "status_time": "09 Feb 2026, 09:41 WIB",
            "order": 1,
            "current": true
          },
          {
            "status_title": "Pengajuan Disetujui",
            "status_time": "",
            "order": 2,
            "current": false
          }
        ],
        "request_time": "09 February 2026, 09:41:02 WIB",
        "seq_no": 1,
        "sla_note": "Proses pengajuan 1x24 jam kerja. Kamu akan diberi notifikasi saat pencairan disetujui.",
        "status": "PROCESSING",
        "term_string": "3x Cicilan",
        "ticket_no": "TKT001"
      }
    ],
    "scheme": [
      { 
        "title": "3x Cicilan",
        "description": "0%"
      },
      { 
        "title": "6 Bulan",
        "description": "0,5%"
      },
    ],
    "slider_texts": [
      { 
        "title": "Pinjaman Fleksibel",
        "description": "Pinjaman dana minimal 1 juta hingga 75 juta atau 50% dari sisa limit kartu kredit.",
        "image_path": "http://asset-host/example.png"
      },
      { 
        "title": "Pinjaman Fleksibel",
        "description": "Pinjaman dana minimal 1 juta hingga 75 juta atau 50% dari sisa limit kartu kredit.",
        "image_path": "http://asset-host/example.png"
      },
      { 
        "title": "Pinjaman Fleksibel",
        "description": "Pinjaman dana minimal 1 juta hingga 75 juta atau 50% dari sisa limit kartu kredit.",
        "image_path": "http://asset-host/example.png"
      }
    ]
  }
}

Error Codes

Code When
00 success – also returned when user has no CC (CC list empty from Eredar).
TV Vikendi timeout (Eredar call)
NA Not authorized (Eredar call)
TB Static param DB read failure
TBR Brigate timeout on GetLoaStatusFromBrigate

2. POST /api/v1/cc-loan-on-app/form

Erangel route: POST /v3-cc-loan-on-app-form

Request Body 
{
  "card_token": "f104d035a92652987b8c82dd91cb13aa1f403d686dcbc3844d261cc8416de9b0"
}
Response Body 
{
  "code": "00",
  "description": "success",
  "data": {
    "account_list": [
      {
        "account": "123451234512345",
        "account_string": "1234 5123 4512 345",
        "alias": "Alias-supedi",
        "currency": "IDR",
        "default": 1,
        "image_name": "karti.png",
        "image_path": "http://.../karti.png",
        "name": "supedi",
        "product_type": "karti"
      }
    ],
    "balance_string": "Rp20.000.000,00",
    "cc_image_slim": "http://.../card/jcb_platinum_slim.png",
    "loan_multiplier": 100000,
    "loan_multiplier_string": "Rp100.000",
    "maximum_loan": 20000000,
    "maximum_loan_string": "Rp20.000.000",
    "minimum_loan": 1000000,
    "minimum_loan_string": "Rp1.000.000",
    "product_type": "Jcb Platinum",
    "simulation": [
      {
        "admin_fee": 200000,
        "admin_fee_string": "Rp200.000",
        "interest_rate": 0.5,
        "interest_rate_amount": 50000,
        "interest_rate_amount_string": "Rp50.000",
        "interest_rate_string": "0.5%",
        "monthly_payment": 1700000,
        "monthly_payment_string": "Rp1.700.000",
        "simulation_code": "...",
        "term": 3,
        "term_code": "123",
        "term_string": "3x Cicilan"
      }
    ],
    "tnc_text": "text"
  }
}

Error Codes

Code When
00 Success
SM User is in safety mode (form.go:37)
CNF Credit card not found (form.go:100)
TV Vikendi timeout (Eredar, parameter, account list)
TB Database timeout (static param)
TBR Brigate timeout (GetProgramTermFromBrigate)
EH Error handling (account alias/validation fan-in errors)

3. POST /api/v1/cc-loan-on-app/term

Erangel route: POST /v3-cc-loan-on-app-term

Response Body 
{
  "card_token": "f104d035a92652987b8c82dd91cb13aa1f403d686dcbc3844d261cc8416de9b0",
  "amount": 5000
}
Response Body 
{
  "code": "00",
  "description": "success",
  "data": {
    "simulation": [
      {
        "admin_fee": 200000,
        "admin_fee_string": "Rp200.000",
        "interest_rate": 0.5,
        "interest_rate_amount": 50000,
        "interest_rate_amount_string": "Rp50.000",
        "interest_rate_string": "0.5%",
        "monthly_payment": 1700000,
        "monthly_payment_string": "Rp1.700.000",
        "simulation_code": "...",
        "term": 3,
        "term_code": "123",
        "term_string": "3x Cicilan"
      }
    ]
  }
}

Error Codes

Code When
00 Success
TBR Brigate timeout (GetLoaSimulationtFromBrigate)

4. POST /api/v1/cc-loan-on-app/confirm

Erangel route: POST /v3-cc-loan-on-app-confirm

Request Body 
{
  "card_token": "f104d035a92652987b8c82dd91cb13aa1f403d686dcbc3844d261cc8416de9b0",
  "amount": 5000000,
  "simulation_code": "...",
  "account_no": "123451234512345",
  "account_name": "BRItama Bisnis",
  "term": 3,
  "interest_rate": 0.5,
  "monthly_payment": 1700000,
  "admin_fee": 50000
}
Response Body 
{
  "code": "00",
  "description": "success",
  "data": {
    "account_name": "BRItama Bisnis",
    "account_no": "123451234512345",
    "admin_fee": 50000,
    "admin_fee_string": "Rp50.000",
    "amount_string": "Rp5.000.000",
    "interest_rate": 0.5,
    "interest_rate_amount": 50000,
    "interest_rate_amount_string": "Rp50.000",
    "interest_rate_string": "0,5%",
    "monthly_payment": 1700000,
    "monthly_payment_string": "Rp1.700.000",
    "reference_number": "123456789154",
    "term": 3,
    "term_string": "3x Cicilan"
  }
}

Error Codes

Code When
00 Success — loan context saved to Redis
NA account_no not in user's financial accounts
TB Database/Redis timeout (failed to save loan context)
EH Error handling (validation fan-in errors, e.g. invalid simulation_code for the chosen card_token)

5. POST /api/v1/cc-loan-on-app/send-otp

Erangel route: POST /v3-cc-loan-on-app-send-otp

Request Body 
{
  "otp_type": "WA",
  "reference_number": "123456789154"
}
Response Body 
{
  "code": "00",
  "description": "success",
  "data": {
    "cellphone_number": "0812****1234",
    "duration_sec": 300,
    "server_id": "abc123"
  }
}

Error Codes

Code When
00 Success
TV Vikendi timeout (fetching user phone number)
TC Cipher/OTP timeout
TR Redis timeout (cipher)
TK Kafka timeout — OTP SMS/WA delivery failed
EX reference_number not found or expired in Redis (no loan context from /confirm)

6. POST /api/v1/cc-loan-on-app/submit-otp

Erangel route: POST /v3-cc-loan-on-app-submit-otp

Request Body 
{
  "server_id": "abc123",
  "otp": "123456",
  "otp_type": "WA",
  "reference_number": "123456789154"
}
Response Body 
{
  "code": "00",
  "description": "success",
  "data": {
    "reference_number": "987654321098"
  }
}

Error Codes

Code When
00 OTP valid
NV Invalid OTP
TMT Too many wrong-OTP attempts
EX OTP not exist or expired, or reference_number not found in Redis
TC Cipher/OTP validation timeout
TR Redis timeout (cipher)

7. POST /api/v1/cc-loan-on-app/submit

Erangel route: POST /v3-cc-loan-on-app-submit

Request Body 
{
  "pin": "123456",
  "reference_number": "987654321098"
}
Response Body 
{
  "code": "00",
  "description": "success",
  "data": {
    "account_image_name": "britama_bisnis",
    "account_image_path": "http://asset-host/account/britama_bisnis.png",
    "account_name": "BRItama Bisnis",
    "account_no": "029012345678901",
    "account_string": "0290 **** **** 112",
    "admin_fee_string": "Rp200.000",
    "amount_string": "Rp3.200.000",
    "card_image_name": "bri_easy_card",
    "card_image_path": "http://asset-host/card/bri_easy_card.png",
    "card_name": "Agung Harsono",
    "card_no": "2003 **** **** 4302",
    "card_product_type": "Easy Card",
    "interest_rate_string": "0% per bulan",
    "monthly_payment_string": "Rp1.015.000",
    "progress": [
      {
        "status_title": "Pengajuan dalam Analisis",
        "status_time": "09 Feb 2026, 09:41 WIB",
        "order": 1,
        "current": true
      },
      {
        "status_title": "Pengajuan Disetujui",
        "status_time": "",
        "order": 2,
        "current": false
      }
    ],
    "request_time": "09 February 2026, 09:41:02 WIB",
    "seq_no": 1,
    "sla_note": "Proses pengajuan 1x24 jam kerja. Kamu akan diberi notifikasi saat pencairan disetujui.",
    "status": "PROCESSING",
    "term_string": "3x Cicilan",
    "ticket_no": "TKT001"
  }
}

Error Codes

Code When
00 Success
NA account_no not in user's financial accounts (submit.go:44)
TBR Brigate LoaSubmitToBrigate failed
TB DB insert failed (InsertLoanOnAppToDB) or GetLoaStatusFromBrigate DB error
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