--- title: "What is Hosted Capital?" description: "Learn how Wayflyer's Hosted Capital service lets partners offer funding to their users" url: "https://docs.wayflyer.com/" image: "https://docs.wayflyer.com/_og/d/c_Ocean.satori,title_~V2hhdCBpcyBIb3N0ZWQgQ2FwaXRhbD8,description_Learn+how+Wayflyer's+Hosted+Capital+service+lets+partners+offer+funding+to+their+users,props_eyJ0aGVtZSI6eyJtb2RlIjoibGlnaHQiLCJjb2xvcnMiOnsicHJpbWFyeSI6IiMyMzIzMmQifX19,s_pg_i5yMeNOmwFJSo.png" --- ## What is Hosted Capital? Wayflyer's Hosted Capital service allows partners to seamlessly offer Wayflyer funding to their users directly within their platform. ## [Overview](#overview) By integrating with Wayflyer's Hosted Capital API, partners can render dynamic funding offers within their platform and enable users to start pre-configured funding applications. While funding applications are in progress, users are notified of any outstanding actions required to complete their funding journey. This keeps users informed and engaged at every step, fostering a transparent and efficient process. Where funds have been successfully deployed, funding prompts reappear when subsequent offers become available, starting the cycle again. ## [Integration Modes](#integration-modes) Wayflyer supports two integration modes for the funding application flow: ### [Embedded Journey (v5) — Recommended](#embedded-journey-v5-recommended) The Embedded Journey opens a panel directly within your platform. Users complete the initial stages of their application inline before being handed over to Wayflyer to finalise. This results in a smoother user experience and better conversion. ![Embedded Journey Panel](https://cdn.sanity.io/images/1aendizt/redesign/b4fcd3488210215e5d2f9d0716d22ef82a6eff8b-2558x1318.png) Key benefits: - **Reduced redirects** — users complete the initial application within your platform before being handed over to Wayflyer. - **Better conversion** — keeping users on your platform for longer reduces drop-off. - **Prefilled data** — partners can prefill application fields with data they already have about their customers. - **Progress saving** — users can close the panel and resume their application later. [Get started with the Embedded Journey →](https://docs.wayflyer.com/embedded-journey-v5-overview) ### [Hosted Application (v4) — Legacy](#hosted-application-v4-legacy) The Hosted Application flow redirects users to a co-branded landing page on [wayflyer.com](https://app.wayflyer.com) to complete their application. This is the original integration mode and remains fully supported. The following diagram shows the Hosted Application (v4) integration flow: ![Hosted Application integration flow](https://cdn.sanity.io/images/1aendizt/redesign/d608f5c2dabdde86c2e4610ad207535b6176a3a7-5938x2694.jpg) [View the Hosted Application docs →](https://docs.wayflyer.com/embedded-journey-v5-overview/migration-guide) ## [Common Steps](#common-steps) Both integration modes share the following steps: ### [Authenticate](#authenticate) All communication with the Hosted Capital API must be encrypted and authenticated per-company. Partners should request company tokens from their backend and forward them to their frontend to authenticate and authorise all calls to the Hosted Capital API. For more details, see the [Authentication](https://docs.wayflyer.com/embedded-journey-v5-overview/authentication) section. ### [Upload Anonymous Data _\[Recommended\]_](#upload-anonymous-data-recommended) Partners can pre-share anonymised company data with Wayflyer to enable personalised, pre-qualified indicative offers for their customers. This data also allows the banner to be hidden for ineligible companies, avoiding frustrating user experiences. Where no anonymised data has been shared, Wayflyer will present users with a generic funding call-to-action. Wayflyer can also provide basic funding eligibility criteria to partners, enabling them to filter out potentially ineligible customers without requiring any data sharing. For more information, see the [Uploading Data for Indicative Offers](https://docs.wayflyer.com/embedded-journey-v5-overview/uploading-data-for-indicative-offers) section. ### [Get Call-to-Action (CTA)](#get-call-to-action-cta) Using a valid company token, the partner's frontend can request the latest call-to-action for the logged-in company and user. The response dictates the type and content of the CTA to display. Typically, the CTA contains a generic or pre-qualified indicative funding offer. Where a funding application is in progress, the CTA updates to include information on any outstanding actions the user must complete. Users may dismiss the CTA, which temporarily hides notifications behind an exponential backoff. For more information, see the [Call-to-Action](https://docs.wayflyer.com/embedded-journey-v5-overview/call-to-action) section. ## [SDK and API Options](#sdk-and-api-options) Wayflyer Hosted Capital supports several integration options depending on partner preference: 1. **UI SDK** — Renders the full experience (CTA banner, journey panel) directly in your app. Handles UI, theming, and user interactions. Available for both v4 and v5. 2. **Headless SDK** — A typesafe wrapper around the Hosted Capital API. Handles API communication, caching, and state management while giving partners full control over the UI. Available for both v4 and v5. 3. **Direct API** — Call the API directly for complete control over your frontend implementation. For more information, see the [Using the SDK](https://docs.wayflyer.com/embedded-journey-v5-overview/using-the-sdk) section and the [API documentation](https://docs.wayflyer.com/apis). ## [Sandbox and Reference App](#sandbox-and-reference-app) To help partners develop their integration, Wayflyer provides a sandbox environment that allows developers to fully exercise the Hosted Capital API and simulate all stages of a customer's application process. The reference app allows partners to explore the Hosted Capital service before starting their own integration. For more information, see the [Sandbox and Reference App](https://docs.wayflyer.com/embedded-journey-v5-overview/sandbox) section and the [Sandbox API documentation](https://docs.wayflyer.com/apis).