---
title: "Every loan XRPLHub has ever observed for a borrower (API key, free tier)"
method: GET
path: "/api/lending/history"
tags: ["Lending"]
---

# Every loan XRPLHub has ever observed for a borrower (API key, free tier)

`GET /api/lending/history`

## Request

- Base URL: `https://www.xrplhub.io`
- URL: `https://www.xrplhub.io/api/lending/history`
- Auth: none declared

The credit file XLS-66 can't keep. Built from append-only exposure snapshots: every loan ever observed for this borrower with first/last observed ledger, last-known status, monotonic everDefaulted / everImpaired / everOverdue flags, and — for loans since deleted from the ledger — the ledger window in which they vanished. A borrower who defaulted and deleted the loan shows nothing on-ledger; here it shows as vanished with everDefaulted true. `observationWindow` states how far back our view goes — loans deleted before firstObservedAt are invisible to us. A daily cron sweep re-observes every known borrower so the history has no gaps where nobody queried; the sweepCoverage block reports when this borrower was last swept and lists any observation gaps. Free.

## Query parameters

- `borrower` string, required

## Response `200`

Per-loan observation records + summary + observation window.

## Other responses

- `401`: Missing or invalid API key.

---

[API](https://skmtc.dev/xrplhub/apis/xrplhub-xrplscore-and-prebuilt-xrpl-transactions.md) · [All operations](https://skmtc.dev/xrplhub/apis/xrplhub-xrplscore-and-prebuilt-xrpl-transactions/llms.txt) · [OpenAPI document](https://skmtc.dev/xrplhub/apis/xrplhub-xrplscore-and-prebuilt-xrpl-transactions/revisions/a5d4e13aff32?raw)