The complete developer reference for the Zung.ai MFI Banking OS. 300+ REST endpoints, webhooks, SDKs in 6 languages, and step-by-step integration guides for every major MFI workflow.
All endpoints follow REST conventions. Base URL: https://api.zung.ai/v3
| Parameter | Type | Required | Description |
|---|---|---|---|
| member_id | string | required | Unique member identifier (prefix mem_) |
| include | string[] | optional | Fields to include: loans, savings, ai_score, kyc |
| as_at | ISO 8601 | optional | Return member state at a specific point in time |
| Body field | Type | Required | Description |
|---|---|---|---|
| first_name | string | required | Member's first name |
| last_name | string | required | Member's surname |
| phone | E.164 | required | Phone number in E.164 format e.g. +254712345678 |
| id_type | enum | required | national_id | passport | aadhaar | nin |
| ai_score | boolean | optional | Run AI credit assessment on creation. Default: false |
| Body field | Type | Required | Description |
|---|---|---|---|
| member_id | string | required | Member receiving the loan |
| amount | number | required | Loan amount in smallest currency unit |
| currency | ISO 4217 | required | e.g. KES, NGN, INR, BDT |
| ai_score | boolean | optional | Run Zung AI credit scoring before decision |
| disburse | enum | optional | mpesa | mtn | airtel | bank | wallet |
Every SDK wraps the full REST API with idiomatic patterns, typed request/response models, automatic retries, and built-in pagination handling.
asyncio support. Pydantic models for all types. Works with Django, FastAPI, and Flask.// Originate a loan with AI scoring + M-Pesa disbursement import { ZungClient } from '@zung/sdk'; const zung = new ZungClient({ apiKey: process.env.ZUNG_API_KEY }); const loan = await zung.loans.originate({ memberId: 'mem_fatuma_n_8821', product: 'business_loan', amount: 800000, // KES in cents currency: 'KES', aiScore: true, bureau: 'crb_kenya', disburse: 'mpesa', notify: true }); console.log(loan.status); // 'disbursed' console.log(loan.aiScore); // 82 console.log(loan.mpesaRef); // 'QHX7821KE'
{ "loanId": "loan_0x8821_ke", "status": "disbursed", "memberId": "mem_fatuma_n_8821", "amount": 800000, "currency": "KES", "aiScore": 82, "aiDecision": "auto_approved", "bureauResult": "clear", "mpesaRef": "QHX7821KE", "mpesaPhone": "+254712345678", "product": "business_loan", "term": 12, "interestRate": 1.5, "disbursedAt": "2026-06-24T09:14:22Z", "firstDueDate": "2026-07-24", "notified": true }
Register an HTTPS endpoint and receive event payloads the moment anything changes in your institution. Signed with HMAC-SHA256. Automatic retry with exponential backoff.