Creating an API account is as simple as Creating a User. In fact, you can simply grant API access to any existing user in the system, but it's preferable to create a new user just for your APIs  for a more clear transaction audit trail.

LoanCirrus uses Basic Authentication for authorizing all API calls. A username and password is specified with each request and is verified on the server. To ensure the username and password cannot be intercepted, all requests must use HTTPS.