Getting Started

Sivo provides capital to Workers, Platforms, and Fintechs. With the Sivo Advance API you register the accounts you serve, report the receivables you originate, and draw from your Sivo debt line as your book grows.

Base URL and authentication

All requests are HTTPS calls to https://core.sivo.com with JSON request and response bodies. Authenticate every request with an API key from the developer dashboard, sent as a Bearer token — sandbox keys exercise the whole API without touching live data (see Testing):

curl https://core.sivo.com/me \
  -H "Authorization: Bearer sk_sandbox_..."

GET /me returns the caller behind the key, so it doubles as a connectivity check.

A typical integration

1. Register your accounts — the obligors and creditors behind your receivables (Create or update an account).
2. Submit receivables and report their entries as disbursements and repayments happen — see the Submit receivables recipe.
3. Attach supporting documents like invoice PDFs — see Attach a document to a receivable.
4. Draw from your debt line once it is active — see Draw from your debt line.

Conventions worth knowing

The API uses a few conventions consistently: amounts are integers in the currency's smallest denomination (Money), dates and durations follow fixed formats (Dates and Times), most write endpoints are upserts keyed by ids you assign, and POST requests accept an IdempotencyKey header for safe retries (Idempotent Requests). When something goes wrong, Errors describes what comes back.