LID lifecycle

A single user can have LAMF and LAS in many shapes. Each unique loan application is identified by a lid. Based on the user's overall credit portfolio managed by Unity, these lids can either be independent or linked to each other.

Common scenarios

One LAMF loan application - one lid

1. For a single lender, there can only be one DISBURSED loan at a time.
2. Topups can be applied on top of DISBURSED applications.

One LAMF and one LAS loan application - two lids

1. LAS and LAMF with different lenders - both lids independent (refer the one application flow above)
2. If the user avails LAS and LAMF with the same lender -
   1. When both applications are in PRE-SUBMITTED state - these are sibling lids
   2. When one application gets SUBMITTED, one remains PRE-SUBMITTED - parent-child relationship is established between lids
   3. When both lids are SUBMITTED - the parent lid is CLOSED, the child becomes ACTIVE . (Refer the previous section - there can only be one DISBURSED loan for a lender)

LAMF Topup over ACTIVE LAMF - 2 lids

1. Parent-child relationship between lids.
2. Topups are allowed for the same asset class and the same lender.
3. When the topup lid is SUBMITTED - the parent lid is CLOSED, the child becomes ACTIVE . (Refer the previous section - there can only be one DISBURSED loan for a lender)

... and so on.

What's expected from the partner?

The Combined Credit Snapshot API response shows you which shape applies right now.

You never own LID transitions. All transitions happen server-side. Your can read the current state, if required.