Create Loan

Creates a loan and establishes a new onchain escrow wallet for it. The pledged items are deposited into this escrow and the borrowed items are transferred from the lender to the fee payer.

Defi Lending Protocols supported:

Loopscale

For LOOPSCALE loans:

The account specified in the loopscaleDetails.loanStrategyAddress will become the lender (i.e. the vault that finances the borrowedItems) on the loan. An onchain vault needs to be setup ahead of time and it needs to be configured to accept the pledgedItems in escrow. To have this vault created, the tenant would need to make arrangements with Loopscale for its details and its creation. Alternatively an existing vault could be used as long as Loopscale has configured it to add to the list of items accepted (for escrow) the financial instruments that the VF tenant plans to used in the pledgedItems positions.

the account of the borrower needs to be passed as the lookup in the solanaTransactionConfig.feePayer. Because the feePayer cannot be different than the borrower account set on the loan.

To obtain a loan, collateral has to be posted as a pledge into the loan vault. This endpoint allows for the transfer of:

itemData.itemsToPledge: existing inventory of a financial instruments in a certain wallet/position (the asset can be transferred from another wallet into the borrower wallet) AND/OR a new asset that should be minted (into the borrower wallet) before being transferred for pledging, in the same transaction.

Please note that the owner account across all assets to be borrowed and pledged has to be the same.

If the financial instruments being pledged have a default account state of Frozen, the endpoint automatically adds unfreeze instructions, so these items can be deposited into the escrow pledged positions. In this case, in order to stay within the maximum Solana transaction size, tradeoffs need to be made: i.e. fewer items can be pledged at the time the loan is created and itemData.itemsToPledge.transferFrom and itemData.itemsToPledge.mintAsset cannot be used. Use the swap collateral item endpoint to add more pledged items after loan creation. And before the loan creation, use the position movements endpoints to prefund the necessary positions token balances inventory into the borrower wallet, which will then allow the pledging to occur at loan creation time.

Bearer Token

Provide your bearer token in the

Authorization

header when making requests to protected resources.

Example:

Authorization: Bearer ********************

curl --location --request POST 'https://vf-solana-api.dev.alphaledger.com/api/v1/loans?solanaClusterId=SOLANA_DEVNET' \ --header 'x-request-id: f9860f73-a466-41f2-a083-34eeb1cc3a3c' \ --header 'Authorization: Bearer <token>' \ --header 'Content-Type: application/json' \ --data-raw '{ "itemData": { "defiProtocol": "LOOPSCALE", "loopscaleDetails": { "loanStrategyAddress": "6tv6XYnXUFjLSaAeap4T1GQusYeEw3nK6KTcVyyHf3ns", "expectedLoanValues": { "expectedApy": 80000, "expectedLqt": [ 800000, 800000, 800000, 800000, 800000 ] } }, "itemsToBorrow": [ { "positionLookup": { "position": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "owner": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "financialInstrument": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "mintAuthority": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "freezeAuthority": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false } }, "amount": 100.5, "transferTo": { "position": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "owner": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "financialInstrument": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "mintAuthority": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "freezeAuthority": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false } } } ], "itemsToPledge": [ { "positionLookup": { "position": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "owner": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "financialInstrument": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "mintAuthority": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "freezeAuthority": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false } }, "amount": 100.5, "transferFrom": { "position": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "owner": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "financialInstrument": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "mintAuthority": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "freezeAuthority": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false } }, "mintAsset": false } ], "duration": { "code": "DAYS", "unit": 1 }, "submitTransaction": true }, "solanaTransactionConfig": { "feePayer": { "onchainId": "GPjDgRPhSuJSya5GbaCWkYCDqcyL6N3ZBge9XMJsDton", "offchainId": "1b03ae9a-348c-4c18-8727-20c7c4ae7a0a", "offchainReferences": { "alId": "ALFNDPF000153778", "organizationExternalId": "ALT", "accountNumber": "ALT10000233", "code": "some-authority", "type": "WALLET" }, "isOtherTenantSigner": false, "otherTenantOrganizationExternalId": "ALIM", "offPlatform": false }, "computeUnitConfig": { "enable": true, "limit": 1400000, "price": 35000, "priceEstimate": { "provider": "HELIUS", "calculationStrategy": "DEFAULT" } }, "commitmentConfig": { "commitmentLevel": "processed" }, "messageLifetimeStrategy": "RECENT_BLOCKHASH", "transactionVersion": "V0" }, "tenancyConfig": { "overrideOrganizationExternalId": "ALIM" } }'

{ "newEscrow": { "onchainId": "ndA7eTfoWqrczXYUq53gNRRjQgEmufqErXbgXUFFUAA", "offchainId": "1a1e904d-0d95-4e66-85e1-88a57774e910" }, "lender": { "onchainId": "ndA7eTfoWqrczXYUq53gNRRjQgEmufqErXbgXUFFUAA", "offchainId": "1a1e904d-0d95-4e66-85e1-88a57774e910" }, "borrowedItemsPositions": [ { "onchainId": "ndA7eTfoWqrczXYUq53gNRRjQgEmufqErXbgXUFFUAA", "offchainId": "1a1e904d-0d95-4e66-85e1-88a57774e910" } ], "pledgedItemsPositions": [ { "onchainId": "ndA7eTfoWqrczXYUq53gNRRjQgEmufqErXbgXUFFUAA", "offchainId": "1a1e904d-0d95-4e66-85e1-88a57774e910" } ], "solanaTransaction": { "success": false, "offchainId": "ee36c656-aa74-4d6a-b23c-332c204cb202", "status": "SIGNED", "onchainId": "5nwo7XvhiVRpJasEzH5r3hGKJqaTxd7qVit3cedFJgESdAPrmawebMJu6fUKRfjXEaivuey7vBsW56xPxX76T1bm", "confirmationsCount": 2, "serializedMessage": "string", "errorMessage": "string", "txnTimestamp": "2025-10-21T16:17:45.035372Z" } }

Request

Responses