🔩 11-Build on Top of Us: Extending Qararak via APIs

Let clients integrate, extend, and innovate — without waiting for us.

✍️ Written from Riyadh — for founders, product teams, and AI builders in regulated markets.

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Why great AI platforms don’t just make decisions — they empower others to create.

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At SoyakaAI, we designed Qararak not just as an AI engine, but as a platform others can build on. Because in regulated markets, no two lenders operate the same. Different scoring criteria, internal workflows, approval rules, customer portals.

So instead of a rigid SaaS product, we made Qararak extensible by design — letting clients plug in their own systems, override logic, and extend workflows — all through a secure, auditable API layer.

Let’s break down how this works.

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🌐 1. Open API Gateway (But Secure by Default)

Qararak exposes a suite of RESTful APIs — from document intake and data validation, to scoring and final decisioning.

🔒 Every call is secured via:

• JWT-based auth with rotating secrets

• Role-scoped tokens (e.g. ops vs auditor vs system)

• IP whitelisting for sensitive functions

💡 Clients can hit the API from:

• Their CRM

• Internal LOS (loan origination system)

• Custom borrower portals

• RPA bot

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🧠 2. Decision-as-a-Service: Trigger Full Lending Flows

With one API call, clients can send:

{
  "borrower_id": "123456",
  "documents": [...],
  "inputs": {
    "loan_amount": 100000,
    "tenure_months": 6,
    ...
  }
}

Qararak returns a full credit evaluation:

• Risk score

• Approval / rejection

• Reason codes

• Confidence levels

• API trace ID + timestamp

It’s not a black box. It’s a lending copilot.

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⚙️ 3. Plug Your Own Logic

Qararak allows clients to inject their own:

• Pricing rules

• Risk thresholds

• KYC validation hooks

• Post-decision logic (e.g. manual override if collateral exists)

We expose custom rule endpoints, so clients don’t have to wait for product updates — they just plug in logic via API.

Think: Bring Your Own Policy Engine.

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🧾 4. Prebuilt Connectors for Core Saudi Systems

In regulated markets, integration speed = deployment success.

That’s why Qararak supports:

• Simah credit report API integration

• Nafath identity verification

• ZATCA e-invoice verification

• Saudi bank statement parsers

Clients can build local onboarding flows on top of our infra — without reinventing the wheel.

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🛠️ 5. Dev Experience (DX) That’s Actually Developer-Friendly

We ship:

• Postman collection with test environments

• API changelogs with breaking-change warnings

• Staging environments for safe testing

• Webhook callbacks for real-time updates (e.g. “Borrower Resubmitted Docs”)

And yes — we respond to GitHub issues.

Because great DX = faster client launches.

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🚀 6. What This Enables

We don’t just build models.

We give clients the tools to own, control, and scale their lending flows — end-to-end.

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🎯 Final Thought

The future of lending infrastructure isn’t a locked-down SaaS.

It’s a modular, API-first platform that empowers regulated lenders to adapt fast — without compromising security, explainability, or control.

Qararak is your engine. But it’s also your canvas.

Next Article

🏗️ Client Stories | From Sandbox to System: How We Built Saudi’s First Real AI for Credit Risk

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→ Listen to the 🤖AI on the Ground Podcast: Real-world AI powering compliance, credit, and regulated markets in Saudi — decoded for operators.