Credit scoring API for Africa
built for lending fintechs.
Embed an explainable SME score in your lending flow. A documented REST API, SDKs, webhooks and a sandbox, without ever exposing your customers’ data.
Grow fast without hurting your risk.
Your lending flow is digital and your customers expect a fast answer. Yet 85% of African SMEs have no complete balance sheet. Traditional models have almost nothing to read.
Building a robust model alone takes data, time and people. And every new data partner raises questions about confidentiality and compliance.
- SMEs with no history or financial statements
- An in-house model limited to your own data
- An integration that must not slow your product down
- Strict data protection requirements
An explainable score, one API call away.
SCORE360 returns a score from 300 to 850 with its main explanatory factors. You show it in your back office, plug it into your rules and keep the decision.
The score is built on the SME’s real activity: PI-SPI flows, from the BCEAO’s interoperable instant payment platform, received through our partner fintechs and payment aggregators, plus digital signals from e-SIGNAL, the first data partner for the pilot.
The score keeps evolving after the loan is granted. It updates as new flows and signals come in, and the RISK module alerts you as soon as something drifts. You manage your portfolio continuously, not only at application time. Your product and risk teams share the same view of each customer.
REST API
A documented API to request a score and its explanatory factors.
SDKs
Ready-made libraries to speed up your integration.
Webhooks
Score events and RISK alerts pushed to your systems.
Sandbox
Test keys and mock data to validate your integration.
What each team gains.
SCORE360 serves your growth, your risk and your product at once. Every team gets a concrete benefit.
Leadership
Open your offer to SMEs your current models cannot assess, while keeping your risk under control.
Risk and credit
The score and its explanatory factors complement your lending rules. The RISK module then monitors your portfolio continuously.
CTO and engineering
A documented REST API, SDKs and webhooks. Your team validates everything in the sandbox before going live.
Compliance
No raw data leaves your platform. Audit logs, role-based access control and human validation make your reviews easier.
A better model, without exposing your customers.
The model is trained inside each institution. Only encrypted parameters are aggregated. No raw data ever leaves your platform.
You benefit from a stronger shared model without giving away your competitive edge. Exchanges are encrypted with TLS 1.3, access is controlled by role (RBAC) and every call is recorded in audit logs.
Compliant by design.
SCORE360 follows BCEAO regulations and each country’s data protection rules, including ARTCI oversight in Côte d’Ivoire (Law 2013-450). Data stays in the UEMOA region.
Customer consent is collected by your platform, under the UMOA credit bureau framework. SCORE360 complements credit bureaux and guarantee funds. Human validation remains available at every step, and the decision is yours.
Try the sandbox, then let’s talk pilot.
Your engineering team can explore the API in the sandbox. The SCORE360 pilot runs for 6 to 9 months and is targeted to start in November 2026. We will work out with you where your platform fits in.
SCORE360 Sarl is based in Abidjan and is a 2026 Global Recognition Awards laureate. The offer covers all 8 UEMOA countries: Benin, Burkina Faso, Côte d’Ivoire, Guinea-Bissau, Mali, Niger, Senegal and Togo.
FAQ
How do we integrate the SCORE360 scoring API?
Your engineers work with a documented REST API and SDKs. They first test the integration in the sandbox, using test keys and mock data. Webhooks then push score events and RISK module alerts to your systems, so your back office stays up to date without polling.
What does the API return?
A score from 300 to 850 with its main explanatory factors. You can show it to your analysts, plug it into your lending rules and track how it changes over time. The final decision stays with your platform, and human validation remains available at every step.
Is our customers’ data sent to SCORE360?
No. With Federated Learning, the model is trained on your side. Only encrypted parameters are aggregated, and no raw data leaves your platform. Exchanges are encrypted with TLS 1.3, access is controlled by role, and every call is recorded in audit logs your team can review.
Does SCORE360 run its own payment wallet?
No. SCORE360 has no wallet of its own. PI-SPI payment flows come through our partner fintechs and payment aggregators. If your platform processes payments, let’s talk: you could join these partners and enrich the score with the flows you already see.
Add an explainable SME score to your product.
Talk to our team or go straight to the developer documentation.