Getting Started

Check (also referred to as CheckAI) is an advanced, AI-powered credit decision engine designed to transform how lenders assess risk and make credit decisions. It is built as a modular solution that combines intelligent scoring, exposure checks, and real-time decisioning, enabling financial institutions to act faster and with greater clarity and control.

Key Features

• End-to-End Lending Automation: Streamlines the entire credit journey across all lending channels, from individual borrowers and SMEs to broker-dealer workflows.
• AI-Driven Assessment: Leverages deep financial and collateral analysis alongside integrated data extraction from tax returns, bank statements, and contracts for more informed decisions.
• Real-Time Decisions: Delivers rapid decisioning with full traceability and transparency, crucial for compliance and auditability.
• Intelligent Workflows: Automates tasks such as rule application, stipulation generation, finance structuring, and document validation, reducing manual workload and ensuring policy consistency.
• Seamless Integration: Easily connects with existing Loan Origination Systems (LOS), CRMs, contract management solutions, and third-party data providers through APIs.
• Risk Insight and Analytics: Provides instant SWOT analyses, asset and applicant insights, and supports clustering analytics to identify risk patterns and segment applicants more effectively.
• Built for Teams: Designed to be user-friendly for credit officers, risk and compliance teams, and operations, it enhances productivity while ensuring standardization and scalability.

Why Check?

Check addresses common challenges in credit decisioning such as fragmented processes, lack of auditability, data silos, and inconsistent risk assessment. By cutting review times, reducing manual bottlenecks, and making every decision data-backed and explainable, Check enables lenders to deliver faster, smarter, and more compliant lending decisions.

For Complete Check API Documentation Click Here (opens in a new tab).

How to Connect ?

Check is a pure-play SaaS product with a secure RESTful API. The API can be consumed by invoking the methods available in the subscription using this OpenAPI documentation.

Pre-requisites

Before you can use Check API, you must complete the following step:

1. Register on Appex-Now Website (opens in a new tab).
2. Purchase Check API subscription or start for free using the available Trial subscription.

After completing the Prerequisites you can follow the steps provided below to connect with Check API.

Step-1: Select Method

1. After subscribing to Check API, you will receive an email with the link to Check API API documentation and the relevant API and the sandbox key. API key is used to call methods on live environment whereas sandbox key is used for testing purposes.
2. Check API API documentation consists of the following details.
   • Method
   • Endpoint Details
   • Request and Response Schemas
   • Authorization details
   • Example / Sample payloads [optional]
3. Your API key is linked to your subscription and is required for calling any of the Check API methods.
4. Your Sandbox key is linked to your subscription as well but used for testing purposes.
5. You can search for a specific method or keyword using the search control available on the top left column.

Step-2: Call Method

To run in code:

1. After selecting a method, copy the endpoint URL from the right column of API documentation.
2. Identify the RESTful API method e.g POST, GET, PUT, DELETE etc from endpoint URL.
3. Click 'Run in Postman' which will open the Postman request of the respective method.
4. Select the code snippet of your desired language from the right-side navigation of postman UI.
5. Replace the API-key in the code snippet with the API-key provided in the Welcome email received when subscribing.
6. You are required to include the API key header manually as shown below:

   x-api-key = [Your-API-Key]

7. The request schema for the method is shown in the middle column and the request payload (example) is given in the right column.
8. After providing the API key, request body and RESTful method with the endpoint details, you would be able to execute and receive a response.

Step-3: Method Response

1. Once you call the method, following are the possible types of responses statuses:
   1. 200 - Success
   2. 400 - Bad Request
   3. 401 - Authorization information is missing or invalid
   4. 422 - Validation Error
   5. 500 - Internal server error
2. For each of the response statuses the response schemas are given in the method details.
3. All responses are in JSON format

Run in Postman

To run in Postman:

1. The request can be executed within the Postman UI as well by forking the Check API collection and updating the x-api-key header in the collection variables.
2. Make sure to log-in to your Postman account before clicking the 'Run in Postman' button or login afterwards.
3. Right click the Check API Collection and click 'Create a Fork' or try to click the 'Send' request button, it should ask you to fork the collection.
4. Postman's 'Create a Fork' screen will appear, before Forking the collection, please make sure to select 'Watch original collection' checkbox to enable 'Pull Changes' function to receive collection updates.
5. After the Collection is forked/created in your Postman Workspace, please update the Collection variable(s) "x-api-key" and others based on the values/keys provided to you.
6. All requests are configured to use their collection variables.

For Complete Check API Documentation Click Here (opens in a new tab).