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Documentation / BlockIQ™ /

BlockIQ™

Marketplace APIs for offer matching, embedded checkout integration, and revenue attribution with privacy-preserving settlement.

Embedded Offer Matching

Providers create and distribute financial offers through the BlockIQ™ matching engine. Privacy-preserving algorithms connect consumers with relevant offers without exposing personal data.

Privacy-Preserving Settlement

Transaction execution on the Tiered Ledger Architecture with zero-knowledge proofs. Settlement finality with automated revenue distribution across the provider ecosystem.

Provider Marketplace APIs

Full API suite for creating, managing, and distributing offers. MSA-licensed access at Partner, Provider, and User tiers. Sandbox and production environments.

Revenue Attribution

Automated tracking and attribution of successful transactions. Providers pay only on successful outcomes — 286× cheaper than legacy per-pull pricing.

API Reference /
POST/v1/blockiq/offers

Create a new financial offer

Request
{
  "name": "Low APR Credit Card",
  "type": "credit_card",
  "eligibility_criteria": {
    "min_score": 700,
    "max_debt_to_income": 0.36
  },
  "terms": {
    "apr": 12.99,
    "credit_limit_min": 5000,
    "credit_limit_max": 50000
  },
  "match_priority": "high",
  "active": true
}
Response
{
  "offer_id": "off_abc123",
  "status": "active",
  "created_at": "2024-01-15T10:30:00Z",
  "url": "https://api.freshcredit.com/v1/blockiq/offers/off_abc123"
}
POST/v1/blockiq/match

Find matching offers for a user

Request
{
  "user_id": "user_123",
  "offer_types": ["credit_card", "personal_loan"],
  "max_results": 5
}
Response
{
  "matches": [
    {
      "offer_id": "off_abc123",
      "name": "Low APR Credit Card",
      "provider": "FreshCredit Bank",
      "match_score": 0.94,
      "terms": {
        "apr": 12.99,
        "estimated_credit_limit": 15000
      }
    }
  ],
  "match_id": "mch_xyz789",
  "expires_at": "2024-01-15T11:30:00Z"
}
POST/v1/blockiq/transactions

Record a transaction for settlement and attribution

Request
{
  "match_id": "mch_xyz789",
  "offer_id": "off_abc123",
  "user_id": "user_123",
  "amount": 15000,
  "currency": "USD",
  "type": "origination"
}
Response
{
  "transaction_id": "txn_def456",
  "status": "pending_settlement",
  "settlement_rail": "circle_usdc",
  "estimated_settlement": "2024-01-15T11:00:00Z"
}
Settlement Rails /
circle_usdcCircle USDC stablecoin settlement
< 5 minutes
coinbaseCoinbase fiat-to-crypto rails
< 30 minutes
stripeStripe fiat payment processing
2-3 business days
achTraditional ACH bank transfer
1-3 business days
wireSame-day wire transfer
Same day
Offer Types /
credit_cardCredit card offers with customizable terms
personal_loanUnsecured personal loans
auto_loanVehicle financing offers
mortgageHome mortgage and refinance
student_loanStudent loan and refinancing
bnplBuy now, pay later installment offers
Webhook Events /
blockiq.match.completedSent when offer matching is completed for a user
blockiq.transaction.completedSent when a transaction settles successfully
blockiq.offer.claimedSent when a user claims an offer

Next Steps

Download SDKsReview Authentication