> ## Documentation Index
> Fetch the complete documentation index at: https://docs.singapay.id/llms.txt
> Use this file to discover all available pages before exploring further.

# Lending Monetization

Merchants can refer users to lending institutions partnered with Singapay for online cash loan applications.

Once approved, the lending partner disburses funds directly to the user's designated account.

The program supports multiple commercial models, including:

* Fixed referral fees per application
* Fixed fees per successful loan disbursement
* Revenue-sharing arrangements for co-lending partnerships

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## **Customer Journey**

1. The merchant refers users to a Singapay lending partner.
2. The user registers with the lending institution.
3. The lending institution issues channel-specific promotional vouchers or incentives.
4. The user submits a loan application through:
   * The merchant's website
   * The merchant's mobile application (via API or embedded H5 page)
   * Or directly through the lending partner's own application.
5. Upon approval, the lending institution disburses funds directly to the user's designated account.
6. The user completes repayment according to the lender's repayment process.

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## **Typical Use Cases**

* Consumer loan referrals on e-commerce platforms
* SME financing referrals through SaaS platforms
* Traffic monetization for digital platforms
* Credit service integrations for digital wallets

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