API-first, by design
TransactIQ is an API product. A lender's credit engineering team integrates the analyzer into the underwriting pipeline and consumes signals as structured JSON outputs. This page describes the design posture partners can expect.
TransactIQ is in structured rollout through 2026. Endpoint-level documentation — URLs, request shapes, response schemas, the OpenAPI specification — is shared with early-access partners under NDA, not published on this marketing site.
Design posture
Four commitments a CTO or credit engineering lead can rely on before seeing the specific endpoint shape.
Sync, async, and webhook modes
Small-volume real-time underwriting and large-volume batch portfolio analysis are different integration shapes. TransactIQ is designed to serve both — a synchronous mode for a single statement in the decisioning path, an asynchronous mode for batch submission with a poll-for-result pattern, and a webhook mode for push delivery into the lender's workflow queue.
Idempotent by design
Retries are normal in production integrations. TransactIQ treats the same input submitted twice as the same input — the second call returns the cached result rather than re-processing. This matters for billing predictability, latency bounds, and retry safety in the lender's reliability layer.
Versioned with explicit deprecation
Signal outputs evolve as underlying analytics improve. Every new signal or schema change ships under an explicit version tag; the previous version is supported for an announced deprecation window. Lenders do not find their integration broken by an overnight change.
RESTful JSON, language-neutral
The API surface is standard HTTPS + JSON — consumable from any language. Initial SDK coverage is planned for Python and Java at GA, with specific timelines shared to early-access partners. Neither language is a prerequisite — direct HTTP integration is fully documented.
Performance and reliability
Engineering posture on volume, latency, concurrency, and uptime. Specific numbers are deployment-tier- and contract-dependent, not marketing figures.
Batch volume
Architected for 10,000+ statements per day per tenant on the managed tier, with clean horizontal scaling on the self-hosted tier. Lenders processing higher volumes are onboarded with dedicated capacity planning.
Latency
Sync mode targets sub-minute round-trip for a typical retail borrower statement. Degraded inputs (scanned PSU, cooperative) take longer; the async mode is appropriate where latency is not the binding constraint.
Concurrency
Concurrent request handling scales with the deployment tier. Self-hosted tenants control their own concurrency envelope inside their VPC. Managed-tier concurrency targets are published in the integration runbook shared with early-access partners.
Reliability posture
Target uptime SLA, incident communication path, and data-pipeline durability commitments are documented in the Master Service Agreement issued with the early-access partnership. Not a marketing claim — a contractual one.
Developer experience for early-access partners
The posture above is design intent. The integration reality for a partner looks like this.
Sandbox access
A non-production sandbox with a representative set of statements and signal outputs is available to early-access partners during technical evaluation. This is how the CTO and credit engineering lead validate fit before procurement, not after.
OpenAPI specification
A full OpenAPI specification describing the live endpoints, request shapes, response shapes, and error taxonomy is shared with partners under NDA. It is not a marketing page — it is the contract.
Integration runbook
A written runbook covering onboarding, authentication setup, rate-limit handling, error-handling patterns, idempotency key usage, and operational escalation paths — produced per partner, refined over the integration window.
Engineering partnership
Every early-access integration is paired with a TransactIQ engineer for the integration window. Technical questions go to a person, not a support queue. This changes after GA; during early access it is the default.
Ready to see the endpoint spec?
Early-access partners receive the full OpenAPI specification, sandbox credentials, and a direct integration engineer through the evaluation and go-live window.
Request API sandbox access