Multiple Application Warning (MAW2)

The Multiple Application Warning (MAW) API surfaces early indicators of a subject's recent lending activity by detecting whether financial institutions have contacted their mobile number via calls or SMS. Each record returned represents a contact event — a phone call, pre-recorded voice message, or text message — made by a lending platform to that number, along with the date it occurred, the contact source, and a risk level classification.

Rather than returning aggregate statistics, MAW returns a timeline of institutional contact events. The pattern of these events — their recency, frequency, source types, and levels — reveals where the subject sits in the lending lifecycle: from a newly approved borrower receiving disbursement confirmations, to a delinquent borrower receiving debt collection calls.

MAW checks are synchronous: results are returned immediately in the API response.

Multiple Application Warning is currently in Beta. A legacy Alpha version is also available — see MAW (Alpha).

Supported Markets

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Mobile Number Privacy

MD5-encrypted mobile number input is accepted. Submit the encrypted value as MD5(countryCode + mobileNumber) — for example, MD5(639559991234) for a Philippine number. This allows you to pass the identifier without transmitting the raw phone number in plaintext.

Understanding the Results

The maw2Items array returned in a successful MAW2 response contains individual contact event records. Each record tells you:

• When an institution contacted this number (date)
• How they contacted it (source: manual agent call, pre-recorded voice call, or SMS)
• Who contacted it (platformId: the unique ID of the lending platform)
• Why they contacted it — inferred from the risk level (level)

Reading the events together gives you a picture of the subject's current relationship with lending institutions. A number that appears frequently in recent Level 4 or Level 5 events is likely under active debt collection. A number with many Level 2 entries and recent Level 1 activity suggests a borrower with a healthy repayment record.

Contact Levels

Each event is assigned a level indicating the nature of the contact and the borrower's standing with that institution at the time.

Contact Sources

How a MAW2 Request Works

1. Submit a MAW2 request using POST /beta/maws/requestMaw2. Provide templateId, mobileNumber, countryCode, and consent.

2. Receive the result synchronously. The API returns the full MAW2 object in the response body. The maw2Items array contains all contact event records found for the subject's mobile number.

3. Evaluate the events. Review the dates, levels, and sources of the returned events to assess the subject's recent lending activity and repayment standing. An empty maw2Items array with resultCode: SUCCESS means the number was found but has no contact records — not that it returned no data.

The MAW2 Objects

Request Object

MAW2 Object

This is the object returned in the response.

Item Object

Each entry in the maw2Items array represents a single institutional contact event.

MAW2 Statuses

Result Codes

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Billing Note

MAW2 checks are billed only on SUCCESS. NO_DATA results are not charged. Only the POST /beta/maws/requestMaw2 endpoint is counted for billing — List and Get requests are not charged.

Sample MAW2 data

{
  "id": "maw-e35d521ef8f147c4aa01b7c1af85aaf7",
  "createdAt": "2021-04-14T09:30:24Z",
  "status": "COMPLETED",
  "resultCode": "SUCCESS",
  "resultMessage": "Success!",
  "type": "MAW2",
  "requestMeta": {
    "templateId": "tpl-maw002001",
    "mobileNumber": "639559991234",
    "countryCode": "PH",
    "consent": {
      "type": "Terms And Conditions",
      "version": "1.0.0",
      "consentedWith": "I agree to the terms and conditions.",
      "consentedAt": "2021-04-14T09:30:24Z",
      "consentTemplateId": null
    }
  },
  "maw2Items": [
    {
      "date": "2021-04-14",
      "level": "2",
      "source": "seat",
      "duration": "120",
      "platformId": "5b79399a68524234bb0ead472648282d",
      "platformTags": ["finance"]
    },
    {
      "date": "2021-03-14",
      "level": "3",
      "source": "sms",
      "duration": null,
      "platformId": "5b79399a68524234bb0ead472648282d",
      "platformTags": ["finance"]
    },
    {
      "date": "2021-02-01",
      "level": "4",
      "source": "voice",
      "duration": null,
      "platformId": "7c88411b79635345cc1fbe583759393e",
      "platformTags": ["finance"]
    }
  ],
  "maw3Items": []
}

Sandbox Testing

Use the following values to trigger a successful response in the Sandbox environment. Any other valid mobile number and country code combination will return resultCode: NO_DATA with an empty maw2Items array.

Endpoints

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Shared List and Get Endpoints

The List and Get endpoints are shared with the Borrower Behavior (MAW3) product. When listing, use the mawType=MAW2 query parameter to filter for MAW2 records only.