Metro 2 Integration for Peach Finance
Peach Finance is an API-first loan servicing platform popular with fintech lenders. BureauRelay authenticates with a Peach-issued bearer API key (live + sandbox kept separate), pulls People + Loans + Balances + Statements, transforms to Metro 2 Base Segments, and reports to all four bureaus. Webhooks signed with HMAC-SHA256 in `Peach-Signature` trigger incremental refreshes; writeback can record CRA outcomes as Peach Cases.
How It Works
BureauRelay authenticates with the Peach bearer API key, pulls loans paginated by updatedAt cursor, joins each loan to its person record, transforms via the seeded Peach mapping preset, and upserts into metro2_records. Webhooks call /api/v1/integrations/los/peach/webhook?connection_id=... for incremental refresh.
BureauRelayBenefits
API-first design
Peach was built API-first; every UI surface has a backing REST endpoint and webhook event.
Sandbox parity
Sandbox API keys share schema with production; test the connector end-to-end before going live.
Signed webhooks
Loan + payment events are signed with HMAC-SHA256 in Peach-Signature; BureauRelay verifies before persisting.
Case-based writeback
Push CRA responses back to Peach as Loan Cases for the servicing team to review.
Data Fields That Sync
BureauRelay maps these fields from Peach Finance to Metro 2 format automatically.
- Loan (displayId, originalPrincipal, monthlyPaymentAmount, termMonths, originationDate, closedDate)
- Balances (currentBalance, principalBalance, interestBalance)
- Person (firstName/lastName, dateOfBirth, identity.ssn, contactInfo.address)
- Statements + transactions for payment-history derivation
Get Set Up in 4 Steps
Generate Peach API key
Issue a sandbox API key first; live key after sandbox parity is confirmed.
Run the BureauRelay wizard
Visit /integrations/peach/connect. BureauRelay clones the Peach mapping preset and verifies access.
Configure webhooks (optional)
Subscribe the BureauRelay webhook URL in the Peach dashboard for real-time payment/status events.
First sync
The wizard pulls all open loans on first run; subsequent runs are incremental.
Frequently Asked Questions
Is Peach a full LOS or servicing-only?
Peach is loan servicing — origination is upstream. The BureauRelay connector reports servicing data (payments, balances, status) which is what Metro 2 needs.
Does Peach support all four bureaus?
Peach itself doesn't furnish to bureaus. BureauRelay takes the Peach data, generates Metro 2 files, and submits to Equifax, Experian, TransUnion, and Innovis.
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