Integrasi Pengiriman Data Nasabah ke Pihak Luar

POST <kyc_endpoint>
Content-Type:  application/json
Authorization: Bearer <kyc_api_key>
X-Api-Key:     <kyc_api_key>
X-Source:      customer-acquisition
X-App-No:      CA-2026-00042

{ ...full KYC payload... }

{
  "meta": {
    "sourceSystem": "customer-acquisition",
    "applicationNo": "CA-2026-00042",
    "trackingCode":  "TRK-ABCD1234",
    "submittedAt":   "2026-04-02T07:00:00.000Z",
    "branch":  { "id": 1, "name": "Cabang Jakarta Pusat", "code": "JKT-01" },
    "product": { "id": 2, "name": "Kredit Mikro",        "code": "KM-01"  }
  },
  "application": {
    "requestAmount":      5000000,
    "tenor":              52,
    "purpose":            "Modal usaha warung makan",
    "disbursementMethod": "bank_transfer",
    "weeklyInstallment":  120000,
    "creditScore":        78.5,
    "creditGrade":        "B"
  },
  "personalData": {
    "fullName":           "Budi Santoso",
    "nik":               "3271010101900001",
    "gender":            "L",
    "placeOfBirth":      "Jakarta",
    "dateOfBirth":       "1990-01-01T00:00:00.000Z",
    "mothersName":       "Siti Rahayu",
    "maritalStatus":     "married",
    "lastEducation":     "SMA",
    "numberOfDependents": 2
  },
  "contactData": [
    {
      "contactType":           "MN",
      "contactNumber":         "081234567890",
      "contactName":           "Budi Santoso",
      "isEmergency":           false,
      "emergencyRelationship": null
    },
    {
      "contactType":           "MN",
      "contactNumber":         "081298765432",
      "contactName":           "Siti Rahayu",
      "isEmergency":           true,
      "emergencyRelationship": "parent"
    }
  ],
  "addressData": [
    {
      "addressType":       "RESIDENTIAL",
      "address":           "Jl. Merdeka No. 10, RT 01/RW 02",
      "area":             "Gambir, Jakarta Pusat",
      "lengthOfStay":     60,
      "statusOfResidence": "own",
      "gps":             { "lat": -6.1754, "lng": 106.8272 }
    }
  ],
  "businessData": {
    "sector":         "Perdagangan",
    "subSector":      "Makanan & Minuman",
    "businessDesc":   "Warung makan nasi padang",
    "businessLength": 48,
    "totalManPower":  2
  },
  "financialData": {
    "cashflow": {
      "revenuePerMonth":   12000000,
      "grossOtherIncome": 12500000
    },
    "netIncome": {
      "netIncomePerMonth":     4500000,
      "maxMonthlyInstallment": 800000
    }
  },
  "creditHistory": {
    "slikStatus":      "CLEAN",
    "totalOutstanding": 0,
    "kol1Count": 0, "kol2Count": 0, "kol3Count": 0
  },
  "riskProfile": {
    "riskLevel":         "RENDAH",
    "mfoRecommendation":  "RECOMMENDED",
    "watakGrade":        "good",
    "kemampuanGrade":    "good",
    "hasCollateral":     false
  },
  "declaration": {
    "slikConsent":       "SETUJU",
    "thirdPartyConsent": true,
    "agreed":            true
  },
  "documents": [
    {
      "docType":    "CUSTOMER_KTP",
      "fileName":  "ktp_budi.jpg",
      "mimeType":  "image/jpeg",
      "url":       "https://yourdomain.com/uploads/documents/ktp_budi.jpg",
      "gps":       null,
      "uploadedAt": "2026-03-20T08:30:00.000Z"
    }
  ]
}

INSERT INTO admin_settings
  (category, setting_key, setting_value, description)
VALUES
  ('kyc_submission', 'kyc_enabled',          'true',
   'Aktifkan pengiriman KYC'),

  ('kyc_submission', 'kyc_endpoint',         'https://api.partner.id/kyc/receive',
   'URL endpoint sistem luar'),

  ('kyc_submission', 'kyc_api_key',          'sk_live_XXXXXXXXXXXX',
   'API Key / Bearer Token'),

  ('kyc_submission', 'kyc_timeout_ms',       '15000',
   'Timeout request dalam ms'),

  ('kyc_submission', 'kyc_include_doc_urls', 'true',
   'Sertakan URL dokumen dalam payload');