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The LendingRisk API provides comprehensive credit assessment using alternative data sources tailored for emerging markets.

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Key Features

Credit Scoring

Alternative credit scores for thin-file customers

Income Verification

Verify income from bank statements and payslips

Affordability

Calculate debt-to-income and affordability metrics

Risk Indicators

Identify financial stress signals

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Base URL

https://api.txcloud.io/v1/lending
For testing, use the sandbox environment: 
https://sandbox.api.txcloud.io/v1/lending

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Authentication

All requests require a Bearer token: 
curl https://api.txcloud.io/v1/lending/assess \
  -H "Authorization: Bearer txc_live_your_api_key"

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Quick Start

import TXCloud from '@txcloud/sdk';

const txcloud = new TXCloud('your_api_key');

const assessment = await txcloud.lending.assess({
  applicant_id: 'app_123',
  loan_amount: 50000,
  loan_term_months: 12,
  bank_statements: ['base64_statement...'],
  purpose: 'personal'
});

console.log(assessment.credit_score); // 720
console.log(assessment.recommendation); // 'approve'

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Endpoints

MethodEndpointDescription
POST/lending/assessCreate credit assessment
POST/lending/income/verifyVerify income
POST/lending/affordabilityCalculate affordability
GET/lending/assessments/{id}Get assessment details
GET/lending/assessmentsList assessments