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

# Lender Routing Recommendation

> Given a merchant's jurisdiction, returns the ordered list of ACTIVE lenders most-likely to underwrite. Exact-jurisdiction first, GLOBAL fallback second, track-record sort within group.

`GET /v2/lender-routing/recommend` returns the ordered list of ACTIVE lenders most-likely to underwrite a merchant in the given jurisdiction. Used by partner portals, merchant onboarding flows, and MCP agent flows resolving "which lender should this merchant approach."

<Note>
  This endpoint is **public** and **read-only**. It only returns ACTIVE lenders. Calling this does not initiate or imply any financing application — the actual application flow stays gated on `LenderRegistry.isActive` at mint time.
</Note>

## Query parameters

| Param          | Type   | Default  | Notes                                                                  |
| -------------- | ------ | -------- | ---------------------------------------------------------------------- |
| `jurisdiction` | string | `GLOBAL` | ISO 3166-1 alpha-2 (e.g. `AE`, `US`) or `GLOBAL`                       |
| `archetype`    | enum   | (all)    | `fsra-licensed` \| `defi-vault` \| `generic` — filter to one archetype |
| `limit`        | int    | `10`     | Clamped to `[1, 50]`                                                   |

## Ranking

1. **Exact-jurisdiction matches** ranked first
2. **`GLOBAL` fallback lenders** ranked after exact matches
3. Within each group, sorted by `issuedAttestationCount` desc (proven track record first)

## Example

```bash theme={null}
curl 'https://apiv3.droplinked.com/v2/lender-routing/recommend?jurisdiction=AE&archetype=fsra-licensed&limit=5'
```

```json theme={null}
{
  "jurisdiction": "AE",
  "archetype": "fsra-licensed",
  "count": 2,
  "recommendations": [
    {
      "lenderId": "crediblex-uae",
      "displayName": "CredibleX (UAE)",
      "archetype": "fsra-licensed",
      "jurisdiction": "AE",
      "matchKind": "exact-jurisdiction",
      "rank": 1
    },
    {
      "lenderId": "valinor-vault",
      "displayName": "Valinor Vault",
      "archetype": "defi-vault",
      "jurisdiction": "GLOBAL",
      "matchKind": "global-fallback",
      "rank": 2
    }
  ]
}
```

## When `matchKind` matters

A verifier or merchant portal may surface lenders differently based on `matchKind`:

| matchKind            | Suggested UI framing          |
| -------------------- | ----------------------------- |
| `exact-jurisdiction` | "Recommended for your region" |
| `global-fallback`    | "Available globally"          |

The ranking guarantees that an exact match is always offered before a fallback — but the verifier decides what to render.

## Related

* [Lender Registry Lookup](/api-reference/public/lender-registry) — resolve a `lenderId` to a full profile
* [Service-Provider Routing](/api-reference/public/service-provider-routing) — same pattern for WMS/3PL partners
* MCP tool: `recommend_lender` (wraps this endpoint)