SCORE360Your first credit decision
Demo
Developers

Integrate SCORE360 scoring
in a few calls.

A REST API built for financial-institution engineering teams. Send an SME identifier, get back a score out of 900, a sector grade and risk signals — in under 3 seconds.

REST · JSONOAuth2 + API keysWebhooksSDK Node · Python · PHP
01 · Quickstart

Your first score in 5 minutes.

Authenticate with your test key, send an SME identifier and its flows, and receive a score normalised over 900 with its sector grade.

request.shcURL
# Demander un score de solvabilité
curl -X POST https://api.score360.africa/v1/scores \
  -H "Authorization: Bearer sk_test_•••••" \
  -H "Content-Type: application/json" \
  -d '{
    "sme_id": "SME_8421",
    "sector": "commerce",
    "window_days": 90
  }'
response.json200 OK
{
  "sme_id": "SME_8421",
  "score": 782,
  "grade": "A",
  "trend": "stable",
  "signals": {
    "cashflow_regularity": 0.91,
    "sector_benchmark": "above",
    "anomalies": 0
  },
  "model": "federated-v3",
  "scored_at": "2026-06-06T09:12:44Z"
}
02 · API Reference

Core endpoints.

Base: https://api.score360.africa/v1. All responses are JSON, cursor-paginated, with explicit error codes.

POST/scoresCompute a score on demand
GET/scores/{sme_id}Latest score & history
POST/smesRegister an SME
GET/portfolio/alertsPortfolio risk alerts
POST/connect/flowsPI-SPI flow ingestion
DEL/smes/{sme_id}Erase an SME (right to erasure)
03 · SDK

Official libraries.

Typed SDKs to integrate scoring without handling the HTTP layer. Install, set your key, score.

Node.jsv3.2Pythonv3.2PHPv2.8Gobeta
score.jsNode.js
import { Score360 } from "@score360/sdk";

const client = new Score360({ apiKey: process.env.SCORE360_KEY });

const result = await client.scores.create({
  smeId: "SME_8421",
  sector: "commerce",
  windowDays: 90
});

console.log(result.score, result.grade); // 782 "A"
04 · Webhooks

React to score changes.

Subscribe to events: a score crossing a threshold, an anomaly detected, an SME entering a risk zone. Every payload is signed (HMAC-SHA256).

event.jsonscore.downgraded
{
  "event": "score.downgraded",
  "sme_id": "SME_3190",
  "from": { "score": 648, "grade": "B" },
  "to":   { "score": 571, "grade": "C" },
  "reason": "cashflow_drop",
  "occurred_at": "2026-06-06T08:40:11Z"
}
05 · Sandbox

Test without real data.

Keys sk_test_ hit an isolated environment seeded with mock SMEs spanning every sector and grade. No real data, no punishing rate limits.

Mock data

Ready-made SME datasets, by sector and grade.

Instant scoring

Deterministic responses for your integration tests.

Webhooks test

Trigger events on demand to validate your handlers.

06 · Authentication

Bank-grade security.

Per-environment API keys, OAuth2 for server integrations, granular RBAC and a full audit log. Everything travels over TLS 1.3 — and scoring stays federated: no raw data leaves.

  • Scoped keyssk_test_ / sk_live_, rotate on demand.
  • OAuth2 + RBAC — fine roles per team and endpoint.
  • BCEAO-compliant — local hosting at Raxio CI, full audit trail.

Ready to integrate?

Request your sandbox keys and access to the test environment.