{"activeVersionTag":"latest","latestAvailableVersionTag":"latest","collection":{"info":{"_postman_id":"64b1dcc0-a161-47ba-b45a-8f18261545ac","name":"Climb Credit API, version 1.","description":"## Overview\n\nThis collection documents Climb’s APIs for **Loans**, **Payments**, and **Webhooks**.\n\nEach domain represents a distinct product surface, designed to support different financial workflows. While these APIs may be used together, they are **not mutually dependent** and can be integrated independently.\n\nThe collection is organized by domain rather than by workflow, with each folder representing a core system capability.\n\n---\n\n### Core Domains\n\n#### Loans\n\nThe Loans API supports Climb’s lending products.\n\nLoan endpoints enable:\n\n- Retrieving loans\n    \n- Managing loan state and lifecycle\n    \n- Initiating loan-specific actions such as adjustments, verifications and refunds\n    \n\nAll loan-related write operations reference a **ref**, which serves as the public identifier for loan resources.\n\n---\n\n#### Payments\n\nThe Payments API supports **Climb’s payment processing product** and is **independent of Loans**.\n\nPayment endpoints enable:\n\n- Processing one-time or recurring payments\n    \n- Tracking payment status and settlement\n    \n\nPayments may be used for tuition payments, deposits, subscriptions, or other non-loan financial flows.\n\n---\n\n#### Webhooks\n\nThe Webhooks API provides event-driven notifications across Climb products.\n\nWebhook endpoints enable:\n\n- Registering webhook destinations\n    \n- Receiving signed event payloads\n    \n- Responding to events related to loans, payments, or other system activity\n    \n\nWebhook delivery is asynchronous and may include retries; consumers should treat events as idempotent.\n\n---\n\n### API Structure & Conventions\n\n- **Domain-based organization**  \n    Endpoints are grouped by product domain (Loans, Payments, Webhooks), not by end-to-end workflows.\n    \n- **Stable public identifiers**  \n    Each domain uses its own stable identifiers, which are referenced consistently across APIs and webhook payloads.\n    \n- **Asynchronous operations**  \n    Some actions complete asynchronously; webhook events should be used to confirm final state where applicable.\n    \n\n---\n\n### How to Use This Collection\n\n- Use **Getting Started** to authenticate and make your first request.\n    \n- Use **folder-level documentation** to understand domain-specific behavior and constraints.\n    \n- Use **request examples** as the canonical contract for request and response shapes.\n    \n- While it's common to integrate with more than one domain, you do not need to implement Loans to use Payments, or vice 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