Welcome to Roja

Roja connects borrowers with lenders through tickets — structured, transparent loan requests and offers — backed by KYC verification, direct-debit repayment mandates and Roja-backed insurance. Everything the Roja mobile and web apps do runs on the same REST API documented here.

Get started

🚀Quickstart

Authenticate and make your first API call in under five minutes.

🔑Authentication

Log in, handle two-factor challenges and refresh JWT access tokens.

⌨️API Reference

Every endpoint, request and response — generated straight from our OpenAPI spec.

🖥️Environments

Base URLs for production and staging, plus versioning conventions.

Explore the platform

🎟️Tickets

The lending marketplace: create borrow or lend tickets, exchange offers and match counterparties.

💸Loans

From an accepted ticket to disbursement, repayment schedules and full settlement.

🪪KYC

Identity verification: NIN and BVN lookups, selfie and photo-ID checks, address verification and more.

🏦Bank linking

Link bank accounts, resolve account details and set up direct-debit mandates for automated repayment.

How the API is organized

• Base URL — https://api.getroja.com, with all routes versioned under /v1.
• Format — JSON in, JSON out. Send Content-Type: application/json on every request with a body.
• Auth — short-lived JWT bearer tokens. See Authentication.
• Safety — write endpoints that move money require an idempotency key, so retries never double-apply.

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Need help? Reach us at letstalk@getroja.com.