Composite Credit Decision

Blends identity, bureau, statement and agronomic signals into a single explainable decision. Returns the score, band, decision and a per-factor contribution breakdown.

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Sandbox returns deterministic mock data, no wallet charge. Checking Live availability…

Request body

Body parameters

Field	Type	Description
`applicant_type`required	string	INDIVIDUAL_FARMER \| AGRI_SME.
`lender_reference`	string	Your own reference for reconciliation.
`applicant`required	object	Applicant identity + consent token.
`loan_application`required	object	Requested amount, tenor and purpose.

Example responses

200 · Result

{
  "request_id": "req_8f2c1a9b7d3e4f60",
  "ok": true,
  "data": {
    "score": 726,
    "band": "GOOD",
    "decision": "APPROVE",
    "limit_kes": 52000,
    "breakdown": {
      "identity": 0.18,
      "bureau": 0.27,
      "cashflow": 0.31,
      "agronomy": 0.24
    }
  }
}

400 · Bad request

{
  "error": "invalid_request",
  "message": "applicant and loan_application are required"
}

401 · Unauthorized

{
  "error": "unauthorized",
  "message": "API credentials required. Send Authorization: Bearer <client_id>:<secret>."
}

Runs use your signed-in session. For system-to-system integration, issue a keypair in the Console and send Authorization: Bearer <client_id>:<secret> against https://credit.farmsky.africa (Sandbox https://sandbox.credit.farmsky.africa).