QFAST API Documentation
    • Introduction
    • Authentication
    • Onboarding Flow
    • Loan Flow
    • Disbursement Flow
    • Repayment Flow
    • Area Reference
    • API
      • Obtain an Access Token
        POST
      • Onboarding Personal
        POST
      • Get Onboarding Status
        GET
      • Submit Loan
        POST
      • Update Loan
        PATCH
      • Get Loan
        GET
    • Webhook
      • Onboarding Webhooks
      • Loan Webhooks
      • Disbursement Webhooks
      • Repayment Webhooks

    Disbursement Flow

    Disbursement transfers the loan principal from the lender's escrow wallet to the borrower's wallet. Processing is asynchronous — QFAST notifies your system via webhook when the transfer completes or fails.

    Flow Overview#

    Disbursement Execution & Rules#

    Prerequisites#

    Loan must be in active status.
    Lender's escrow wallet must have sufficient balance.
    Borrower must have a valid wallet configured.

    Disbursement Amount#

    The disbursement amount is calculated based on the configured fee structure. The reserve_amount is held by QFAST as a Risk Reserve Fund and is not transferred to the borrower.

    Next Steps#

    Disbursement Webhooks — Event payload reference for disbursement.succeeded and disbursement.failed.
    Repayment Flow — Daily repayment deduction from merchant's QRIS revenue.
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    Loan Flow
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    Repayment Flow
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