# Tbank — Wrapped API

> **You are on:** `https://api.paywithlocus.com/api` | [llms.txt](https://paywithlocus.com/llms.txt) | [docs](https://docs.paywithlocus.com)
>
> Locus runs on multiple environments -- make sure every URL you call matches your expected environment.
> | Environment | Landing | API | Docs |
> |---|---|---|---|
> | Production | paywithlocus.com | api.paywithlocus.com | docs.paywithlocus.com |
> | Beta | beta.paywithlocus.com | api.beta.paywithlocus.com | docs.paywithlocus.com |
> | Stage | stage.paywithlocus.com | api.stage.paywithlocus.com | docs.paywithlocus.com |
>
> If the API URL above doesn't match your expected environment, re-fetch this file from the correct domain.

> Access current T-Bank loan products with detailed information on interest rates, loan amounts, repayment terms, applicable fees, and specific conditions all in one place. Compare T-Bank's lending options to find the loan that best fits your financial needs.

**Category:** Finance & Markets | **Website:** [www.tbank.ru/loans/cash-loan/](https://www.tbank.ru/loans/cash-loan/) | **Docs:** [parse.bot/marketplace/df167729-5563-4835-be98-119b098e1fac/tbank-ru-api](https://parse.bot/marketplace/df167729-5563-4835-be98-119b098e1fac/tbank-ru-api)

Pay-per-use API proxy for Locus Pro. Each call burns credits from your workspace balance.

## Access

**Base URL:** `https://api.paywithlocus.com/api/wrapped/credits/tbank/`
**Auth:** `Authorization: Bearer <LOCUS_CREDITS_SECRET_KEY>` (an `lcr_` secret key or a scoped `lcac_` agent credential)
**Required header:** `Idempotency-Key: <fresh UUID per call>`. A retry with the same key replays the stored result without a new charge.
**Response:** the provider response after any endpoint-specific normalization. `X-Locus-Credits-Charged` carries the charge and `X-Locus-Credits-Balance` the remaining balance. Insufficient credits return `402` before the provider is called.
**Pricing:** estimated costs below are USD. Locus debits the credit equivalent at your workspace rate.

Full call contract: https://docs.paywithlocus.com/api-reference/introduction

> Using a Pay With Locus wallet key (`claw_` prefix)? Wallet routes are documented separately: https://docs.paywithlocus.com/wrapped-apis/for-agents

## Endpoints

### Get loan products

Get all available loan products from T-Bank with their terms and conditions. Returns detailed information about each loan including interest rates, loan amounts, terms, fees, collateral requirements, and special conditions. When loan_type is 'all', returns all 5 product categories; when a specific type is passed, returns only that one product. Each product carries rate ranges (annual percentage), total cost ranges, amount limits, term bounds, and textual conditions.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `loan_type` | string | No | Filter by loan product type. |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/tbank/get-loan-products \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"loan_type":"<string>"}'
```

## Next steps

- [All wrapped API providers](https://paywithlocus.com/wapi/index.md): pick another provider.
- [Find and call tools](https://paywithlocus.com/agent/tools.md): price ceilings, async results, and errors.
- [Credits and billing](https://paywithlocus.com/agent/billing.md): what a call costs and how to add credits.
- [Agent docs index](https://paywithlocus.com/agent/index.md): every Locus agent page.