Remita Loans API

Overview

The Remita Loans API provides a complete set of operations for managing salary-backed loan origination through Remita. It supports the full loan lifecycle — from creation and approval through mandate activation to disbursement and repayment tracking.

Loan CRUD Operations

#	Command	Type	Description
1	CreateRemitaLoanRequestCommand	Command	Create a new loan request with borrower details
2	UpdateRemitaLoanRequestCommand	Command	Update an existing loan request
3	SubmitRemitaLoanForApprovalCommand	Command	Submit a loan request for approval
4	ApproveRemitaLoanRequestCommand	Command	Approve a pending loan request
5	RejectRemitaLoanRequestCommand	Command	Reject a loan request with reason
6	ActivateRemitaMandateCommand	Command	Activate salary deduction mandate
7	DisburseRemitaLoanCommand	Command	Disburse loan amount to borrower
8	CancelRemitaLoanRequestCommand	Command	Cancel a loan request
9	RetrieveRemitaLoanRequestsQuery	Query	List loan requests with filtering and pagination
10	RetrieveRemitaLoanRequestByIdQuery	Query	Get a single loan request by ID
11	SyncRemitaPaymentHistoryCommand	Command	Sync Remita repayments to local DB

Remita API Integration

#	Command	Type	Description
1	ProcessRemitaActivateMandateCommand	Command	Call Remita API to activate salary deduction mandate
2	ProcessRemitaStopMandateCommand	Command	Stop mandate via Remita API
3	ProcessRemitaDisburseLoanCommand	Command	Trigger core banking fund transfer
4	ProcessRemitaRejectLoanCommand	Command	Process rejection with notification
5	GetRemitaSalaryHistoryQuery	Query	Return salary payment history from Remita
6	GetRemitaPaymentHistoryQuery	Query	Return repayment history

Loan Lifecycle

Common Request Pattern

All commands and queries are sent as a POST to the unified BPM endpoint:

POST /api/bpm/cmd
Content-Type: application/json
Authorization: Bearer {token}

Request body:

{
  "$type": "CommandOrQueryClassName",
  // ...command-specific fields
}

Common Response Pattern

Success:

{
  "success": true,
  "data": { },
  "message": "Operation completed successfully"
}

Error:

{
  "success": false,
  "data": null,
  "message": "Description of what went wrong",
  "errors": ["Detailed error 1", "Detailed error 2"]
}

Remita API Authentication

Remita API integration uses SHA-512 HMAC for request authentication. Each request to the Remita API is signed using a hash computed from a combination of the merchant ID, API key, request ID, and API token. The platform handles this signing automatically — no manual hash computation is required when using BankLingo commands.

Signature formula:

hash = SHA512(merchantId + apiKey + requestId + apiToken)

Authentication

All Remita Loans API requests require a valid Bearer token in the Authorization header. Tokens are obtained via the authentication endpoint and must belong to a user with the appropriate loan management permissions.