Independent application-transparency layer for lending partners.
Paracini gives consumers visibility into where their credit application stands — without collecting PII, without claiming decisions, without interfering with the lender's process. Average integration: 4–6 engineer-hours.
Why banks & lenders integrate with Paracini
No PII required
The webhook carries only an opaque journey_id and a status. Name, IBAN, score never leave your perimeter.
No decision claim
approved/declined is stored audit-grade but never echoed verbatim to consumers.
4–6 engineer-hours
One signed endpoint. Stripe-style HMAC-SHA256. Node.js + Python sample code included.
HMAC-signed updates
Stripe-style X-Paracini-Signature header. 300-second replay window. Timing-safe comparison.
BFSG / §7 KWG aligned
Consumer-facing wording is neutral and regulator-safe. We never publish a bank decision verbatim.
Better post-application visibility
The most common drop-off is the black-hole phase after submission. We close it — for your conversion.
The problem
After clicking 'Apply', consumers lose visibility for weeks. That erodes trust in your brand — not ours. Support tickets climb. Duplicate applications climb.
The solution
Paracini is a thin transparency layer between consumers and licensed lenders. You push status updates via signed webhook — we map them to neutral, BFSG-compliant consumer wording and surface them in the journey timeline.
How it works
- 1
Consumer clicks CTA
Paracini issues an opaque PAR-DE-XXXXX journey ID and redirects to your application form (with ?par_journey=…).
- 2
You push status updates
Your underwriting pipeline POSTs to /api/journey/update with HMAC signature. Statuses: received, docs_pending, under_review, approved, declined, payout_sent.
- 3
Consumer sees progress
Paracini renders a neutral timeline ('Application under review', 'Result available'). Bank decisions are never published verbatim.
Security model
- HMAC-SHA256 over exact body bytes
- 300-second replay window (configurable)
- Secret never echoed in logs or responses
- Append-only event log per journey_id for audit
- No PII, no score, no IBAN in webhook body
- TLS 1.2+ enforced (Vercel edge)
Partner fit
Banks · Lenders · Fintechs · Affiliate networks · Credit marketplaces · BNPL providers · Insurtechs
Important notice
Paracini is not a lender and does not make lending decisions. We do not promise approval, payout, or minimum terms. Bank decisions are never echoed verbatim to consumers — we render neutral status copy instead. All regulatory decisions and communication remain with the licensed partner.
Let's talk for 20 minutes.
We'll walk through your onboarding, the data model, and a sample webhook live.
Direct: partner-integrations@paracini.com