Credit widget

The Swippee Credit widget is a drop-in surface an institution embeds in its own app. The customer taps “Need extra cash?”, consents to share their account activity, and gets an instant pre-qualified decision — computed by Swippee’s underwriting engine. It is institution-led: your brand carries the header, Swippee is the quiet “Powered by”, and the final loan decision stays yours.

In preview — not yet self-serve. Two things are gated until Swippee enables your institution (email hello@swippee.com):

Embedding only works on allowlisted origins. Today /embed/credit allows same-origin framing only, so the snippet below will not load on your site until we add your domain to the allowlist.
The @swippee/connect-react SwippeeCredit export ships with enablement — it is not on the public npm release yet.

Meanwhile, try it on our live demo.

In sandbox/demo mode the decision is computed by the real engine over a synthetic statement — no customer data is touched. See the live demo.

How it works

Embed the entry card

Drop the card into your app with one script tag (or the React component).

Customer consents

They tap the card and approve sharing their income & obligations — on Swippee, never on your page.

You receive the result

On a pre-qualified result the widget posts a short-lived public_token back to your page.

Exchange on your server

POST /v1/connect/exchange to read the underwriting result, then make your lending decision.

Quick start (script tag)

<div id="swippee-credit"></div>
<script src="https://swippee.com/embed/credit.js"></script>
<script>
  SwippeeCredit.mount("#swippee-credit", {
    app: "Himalayan Bank",   // shown in the sheet header
    accent: "#c8102e",       // your brand colour (optional)
    amount: 500000,          // advertised maximum, NPR (optional)
    theme: "light",          // light | dark (optional)
    onResult: function (r) {
      // r = { status, public_token, amount, emi, tenor }
      if (r.status === "prequalified") exchange(r.public_token);
    },
    onClose: function (i) {
      console.log("closed:", i.reason);
    },
  });
</script>

React

import { SwippeeCredit } from "@swippee/connect-react";

<SwippeeCredit
  app="Himalayan Bank"
  accent="#c8102e"
  amount={500000}
  onResult={(r) => {
    if (r.status === "prequalified") exchange(r.publicToken);
  }}
/>;

Options

Option	Type	Description
`app`	string	Your institution/app name, shown in the sheet header.
`accent`	string	Your brand colour (`#rrggbb`). Themes the widget; never recolours the Swippee mark.
`amount`	number	Advertised maximum loan, NPR (default 500,000).
`theme`	string	`light` or `dark` (default `light`).
`bank`	string	Your own bank code → excluded from the “add your other banks” grid.
`brand`	string	Entry-card attribution: `text` (default — “Powered by Swippee”), `mark` (logo + text), or `none`. Inside the flow, the “Powered by Swippee” footer always shows.
`scenario`	string	Sandbox demo profile: `salaried`, `high_risk`, `thin_file`, `remittance`.
`onResult`	function	Fired with `{ status, public_token, amount, emi, tenor }`.
`onClose`	function	Fired with `{ reason }` when the customer dismisses the flow.

The result

{
  "status": "prequalified",
  "public_token": "swcredit_…",
  "amount": 500000,
  "emi": 11634,
  "tenor": 60
}

amount and emi are the headline pre-qualified offer; terms and final approval are yours to set. Exchange the public_token for the full underwriting result:

curl -X POST https://api.swippee.com/v1/connect/exchange \
  -H "Authorization: Bearer $SWIPPEE_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "public_token": "swcredit_…" }'

Security & privacy

The customer consents on Swippee — your page never sees their statement or login.
Cross-origin messages are accepted only from the Swippee origin.
The widget shows a pre-qualification, not a loan offer; the copy makes the institution’s final-decision role explicit.
Reasons are shown to the customer only on a decline (with encouraging next-steps); the full underwriting detail is server-side, for your team.

Other banks & wallets

The customer can optionally add accounts from any bank or wallet Swippee supports for a fuller picture and a higher limit — the list stays in sync with Swippee’s coverage automatically. See Connect for the statement-sharing flow each added account uses.

Get started

Core concepts

Guides

How it works

Quick start (script tag)

React

Options

The result

Security & privacy

Other banks & wallets

​How it works

​Quick start (script tag)

​React

​Options

​The result

​Security & privacy

​Other banks & wallets

How it works

Quick start (script tag)

React

Options

The result

Security & privacy

Other banks & wallets