JUDI Loan Status Hotline

Build an AI phone agent that authenticates borrowers via OTP and answers loan questions from a knowledge base.

Architecture

Borrower calls ──► Bland AI (Voice Agent)
                       │
                       ├── POST /auth/send-otp    ──► Auth0 Passwordless (sends OTP to email)
                       ├── POST /auth/verify-otp  ──► Auth0 (verifies OTP code)
                       └── POST /knowledge/search ──► Senso KB (answers loan question)

When to Use This Skill

Use this skill when the user wants to:

• Create an AI phone agent for loan or financial support
• Integrate Bland AI with Auth0 passwordless authentication
• Connect a Senso knowledge base to a voice agent
• Build a webhook middleware server for Bland AI pathways

Setup Instructions

Step 1: Scaffold the Project

mkdir judi-hotline && cd judi-hotline
npm init -y
npm install express axios dotenv cors

Step 2: Create Environment File

Create a .env file with the following keys:

AUTH0_DOMAIN=your-tenant.auth0.com
AUTH0_CLIENT_ID=your_client_id
AUTH0_CLIENT_SECRET=your_client_secret
SENSO_API_KEY=your_senso_api_key
PORT=3000

Step 3: Create the Express Server

Create server.js — see the server reference for the full implementation.

The server exposes three webhook endpoints:

Endpoint	Method	Purpose
/auth/send-otp	POST	Sends OTP via Auth0 Passwordless
/auth/verify-otp	POST	Verifies caller's OTP code
/knowledge/search	POST	Queries Senso KB with local fallback
/health	GET	Health check

Step 4: Upload Knowledge Base to Senso

1. Create a text file with your loan support FAQ content (see KB reference)
2. Upload it to your Senso workspace via the Senso dashboard
3. The search endpoint at https://apiv2.senso.ai/api/v1/org/search will serve answers

Step 5: Expose with ngrok

ngrok http 3000

Copy the HTTPS URL for use in Bland webhook nodes.

Step 6: Configure Bland AI Pathway

Create a pathway in the Bland dashboard with these nodes:

1. Greeting → Collect {{email}}
2. Send OTP webhook → POST /auth/send-otp with {"email": "{{email}}"}
3. Collect OTP → Extract {{otp_code}}
4. Verify OTP webhook → POST /auth/verify-otp with {"email": "{{email}}", "otp": "{{otp_code}}"}
5. Branch → verified == true continues, else end call
6. Collect Question → Extract {{question}}
7. Search KB webhook → POST /knowledge/search with {"question": "{{question}}"} (set timeout to 45s+)
8. Speak Answer → Read {{answer}}, ask "Anything else?"
9. Loop or Goodbye

See the full pathway guide for detailed node configuration.

Key Considerations

• Senso response time: Senso takes 15-35 seconds per query. Set webhook timeouts to 45+ seconds. Configure Bland to say "Let me look that up..." while waiting.
• OTP speech recognition: Instruct callers to read digits slowly. Consider adding a retry loop for failed verification.
• Local KB fallback: The server includes a built-in keyword-matching fallback if Senso is unavailable.

Auth0 Setup Requirements

1. Enable Passwordless Email connection in Authentication settings
2. Enable the Passwordless OTP grant type in your application's Advanced Settings → Grant Types
3. Use a Regular Web Application type (requires client_secret)

Testing Without a Phone

# Test KB search
curl -s localhost:3000/knowledge/search \
  -H "Content-Type: application/json" \
  -d '{"question": "What credit score do I need?"}'

# Test OTP send
curl -s localhost:3000/auth/send-otp \
  -H "Content-Type: application/json" \
  -d '{"email": "test@example.com"}'

# Test OTP verify (use code from email)
curl -s localhost:3000/auth/verify-otp \
  -H "Content-Type: application/json" \
  -d '{"email": "test@example.com", "otp": "123456"}'