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🔩 11-Build on Top of Us: Extending Qararak via APIs

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✍️ Written from Riyadh — for founders, product teams, and AI builders in regulated markets.



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Why great AI platforms don’t just make decisions — they empower others to create.



At SoyakaAI, we designed Qararak not just as an AI engine, but as a platform others can build on. Because in regulated markets, no two lenders operate the same. Different scoring criteria, internal workflows, approval rules, customer portals.

So instead of a rigid SaaS product, we made Qararak extensible by design — letting clients plug in their own systems, override logic, and extend workflows — all through a secure, auditable API layer.

Let’s break down how this works.



🌐 1. Open API Gateway (But Secure by Default)


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Qararak exposes a suite of RESTful APIs — from document intake and data validation, to scoring and final decisioning.


🔒 Every call is secured via:

  • JWT-based auth with rotating secrets

  • Role-scoped tokens (e.g. ops vs auditor vs system)

  • IP whitelisting for sensitive functions


💡 Clients can hit the API from:

  • Their CRM

  • Internal LOS (loan origination system)

  • Custom borrower portals

  • RPA bot



🧠 2. Decision-as-a-Service: Trigger Full Lending Flows

With one API call, clients can send:


{
  "borrower_id": "123456",
  "documents": [...],
  "inputs": {
    "loan_amount": 100000,
    "tenure_months": 6,
    ...
  }
}

Qararak returns a full credit evaluation:

  • Risk score

  • Approval / rejection

  • Reason codes

  • Confidence levels

  • API trace ID + timestamp

It’s not a black box. It’s a lending copilot.



⚙️ 3. Plug Your Own Logic


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Qararak allows clients to inject their own:

  • Pricing rules

  • Risk thresholds

  • KYC validation hooks

  • Post-decision logic (e.g. manual override if collateral exists)


We expose custom rule endpoints, so clients don’t have to wait for product updates — they just plug in logic via API.


Think: Bring Your Own Policy Engine.



🧾 4. Prebuilt Connectors for Core Saudi Systems


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In regulated markets, integration speed = deployment success.

That’s why Qararak supports:

  • Simah credit report API integration

  • Nafath identity verification

  • ZATCA e-invoice verification

  • Saudi bank statement parsers


Clients can build local onboarding flows on top of our infra — without reinventing the wheel.



🛠️ 5. Dev Experience (DX) That’s Actually Developer-Friendly


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We ship:

  • Postman collection with test environments

  • API changelogs with breaking-change warnings

  • Staging environments for safe testing

  • Webhook callbacks for real-time updates (e.g. “Borrower Resubmitted Docs”)


And yes — we respond to GitHub issues.


Because great DX = faster client launches.



🚀 6. What This Enables


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We don’t just build models.


We give clients the tools to own, control, and scale their lending flows — end-to-end.



🎯 Final Thought

The future of lending infrastructure isn’t a locked-down SaaS.


It’s a modular, API-first platform that empowers regulated lenders to adapt fast — without compromising security, explainability, or control.


Qararak is your engine. But it’s also your canvas.



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