// --- OTP Flow Endpoints ---
// 1. Initiate Verification & Send OTP
curl -X POST https://extapi.jacuji.com/cibil/initiate \
-H "Content-Type: application/json" \
-d '{ "panNumber": "ABCDE1234F" }'

// 2. Verify OTP & Fetch Report
curl -X POST https://extapi.jacuji.com/cibil/verify \
-H "Content-Type: application/json" \
-d '{
    "transactionId": "uuid-from-step-1",
    "otp": "123456"
}'

// --- Bypass Flow Endpoint ---
// 3. Get Report Instantly (No OTP)
curl -X POST https://extapi.jacuji.com/cibil/bypass \
-H "Content-Type: application/json" \
-d '{ "panNumber": "ABCDE1234F" }'