curl --request POST \
  --url https://api-sandbox.circle.com/v1/borrow/loans \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "idempotencyKey": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "protocol": "morpho",
  "marketId": "<string>",
  "borrowAmount": "<string>",
  "collateralAmount": "<string>"
}
'

import requests

url = "https://api-sandbox.circle.com/v1/borrow/loans"

payload = {
    "idempotencyKey": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "protocol": "morpho",
    "marketId": "<string>",
    "borrowAmount": "<string>",
    "collateralAmount": "<string>"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    idempotencyKey: '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    protocol: 'morpho',
    marketId: '<string>',
    borrowAmount: '<string>',
    collateralAmount: '<string>'
  })
};

fetch('https://api-sandbox.circle.com/v1/borrow/loans', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api-sandbox.circle.com/v1/borrow/loans",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'idempotencyKey' => '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    'protocol' => 'morpho',
    'marketId' => '<string>',
    'borrowAmount' => '<string>',
    'collateralAmount' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.circle.com/v1/borrow/loans"

	payload := strings.NewReader("{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"protocol\": \"morpho\",\n  \"marketId\": \"<string>\",\n  \"borrowAmount\": \"<string>\",\n  \"collateralAmount\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api-sandbox.circle.com/v1/borrow/loans")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"protocol\": \"morpho\",\n  \"marketId\": \"<string>\",\n  \"borrowAmount\": \"<string>\",\n  \"collateralAmount\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api-sandbox.circle.com/v1/borrow/loans")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"protocol\": \"morpho\",\n  \"marketId\": \"<string>\",\n  \"borrowAmount\": \"<string>\",\n  \"collateralAmount\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

{
  "data": {
    "id": "d4e5f6a7-8901-2345-def0-234567890123",
    "jobType": "borrow",
    "status": "received",
    "amount": "1000.00",
    "asset": "USD",
    "collateralAmount": "0.05",
    "collateralAsset": "CIRBTC",
    "toAddress": "0x5a0b4a11d3f9b2c1e8a7d6c5b4a39281f0e1d2c3",
    "loanId": "fc988ed5-c129-4f70-a064-e5beb7eb8e32",
    "oraclePrice": "67234.51",
    "createDate": "2026-06-20T14:20:00.000Z",
    "updateDate": "2026-06-20T14:20:00.000Z"
  }
}

{
  "code": 400,
  "message": "Bad request."
}

{
  "code": 401,
  "message": "Malformed authorization."
}

{
  "code": 3,
  "message": "Forbidden"
}

{
  "code": 409,
  "message": "Conflicts with another request."
}