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Offer a trust limit

Credit lines: offer/update trust limit¶

URL: https://debt.webmoney.com/api/v2/creditlines/propose
Method: POST
Accept types: application/json
Content-Type: application/json
Rights (scope): propose_limit

Request format¶

{
  "forWmid":"YYYYYYYYYYYY",
  "purse":"T123456789012",
  "amount":10.0,
  "periodDays":30,
  "periodDaysMin":1,
  "periodicityDays":0,
  "interestDaily":0.2,
  "timeLife":0,
  "needNotify":true
}

Request parameters¶

Name	Purpose	Description
forWmid	Borrower's WMID	12 digits
purse	Purse source	Letter + 12 digits (e.g., `T402299255256`)
amount	Maximum Limit	decimal
periodDays	Maximum loan term (in days)	int
periodDaysMin	Minimum loan term (in days)	int; optional, by default `1`
periodicityDays	Payment frequency	Acceptable values: `0,1,3,5,10,15,30`
interestDaily	Daily interest rate	decimal; `> 0` и `<= PercentMax`
timeLife	Limit type	`0` — permanently operating; `-1` — closes after use
needNotify	Notify the borrower	bool; optional

Response format (example)¶

{
  "ownerWmid":"XXXXXXXXXXXX",
  "borrowerWmid":"YYYYYYYYYYYY",
  "purseSrc":"T123456789012",
  "wmTypeSrc":"WMT",
  "amountMax":10.00,
  "amountIssued":0.00,
  "interestDaily":0.2,
  "returnPeriodDaysMax":30,
  "returnPeriodDaysMin":1,
  "returnPeriodicityDays":0,
  "timeLife":0,
  "state":"active",
  "stateCode":1,
  "contractId":12345,
  "createdAt":"2025-01-01T12:00:00Z",
  "updatedAt":"2025-01-01T12:00:01Z" 
}

Response parameters¶

Name	Purpose	Description
ownerWmid	string	WMID of the owner (lender)	12 digits
borrowerWmid	string	Borrower's WMID	12 digits
purseSrc	string	Purse source	Letter + 12 digits
wmTypeSrc	string	WM type by purse	e.g., `WMT` for `T...`
amountMax	decimal	Maximum amount limit	Upper Credit Line Limit
amountIssued	decimal	Already issued within the limit	Maybe `0.00`
interestDaily	decimal	Daily interest rate	In percentage per day
returnPeriodDaysMax	int	Maximum loan term	In days
returnPeriodDaysMin	int	Minimum loan term	In days
returnPeriodicityDays	int	Payment frequency	Acceptable values: `0,1,3,5,10,15,30`
timeLife	int	Limit type	`0` — permanently operating; `-1` — closes after use
state	string	Easly readable state	e.g., `active` / `closed` / `proposed` (may be absent)
stateCode	int	Status code	Numeric code of internal state
contractId	int	Contract ID	May be `0` if not assigned
createdAt	string	Date the entry was created	ISO 8601 UTC, e.g., `"2025-01-01T12:00:00Z"`
updatedAt	string	Last modified date	ISO 8601 UTC

Additional checks¶

WMID/purses: WMID format (12 digits), purse (letter + 12 digits), currency type allowed for owner's country.
Periodicity: only 0,1,3,5,10,15,30.
Percent: interestDaily > 0 and <= PercentMax service.
Profiles/blocks: checks passport (not lower than Formal), blacklists, global blocks are checked.
Funds: the source purse is checked for sufficient funds.
Profitability: parameters must provide profit taking into account commissions; otherwise — 400 not_profitable.
Purse type change restriction: prohibited for outstanding loans.
Identity by passport: active limits/loans on another WMID of the same passport are not allowed.

Example call (curl)¶

curl -s -X POST "https://debt.webmoney.com/api/v2/creditlines/propose" \
  -H "Authorization: Bearer <JWT>" \
  -H "Accept: application/json" \
  -H "Content-Type: application/json" \
  --data '{
    "forWmid":"432654517027",
    "purse":"T402299255256",
    "amount":10.0,
    "periodDays":30,
    "periodDaysMin":1,
    "periodicityDays":0,
    "interestDaily":0.2,
    "timeLife":0,
    "needNotify":true
  }'