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Sheba Credit
AG
Sheba Score
Sheba Save
Education
Open Banking
Sheba Agri
Want the real thing? The full dashboard, demo mode.
Open it →
CRaaS API
Insights
OB Institutional
Sheba Score — Real-time AI credit scoring from alternative data: mobile money, utilities, savings and identity.
Good morning,
Abebe Girma
Sheba Credit Score
782
Excellent
↑ +14 this month
300500700850
Loan Eligible
ETB 45,000
Data Sources
4 Active
Score FactorsSee all →
Pre-Approved Loan
ETB 45,000
Rate12.5% p.a.
Max Term36 months
782
Excellent
PoorFairGoodV.GoodExc.
Factor Breakdown
Score History
Last 7 Months
Improve your score
Personalised actions to boost your Sheba Credit Score.
Loan offers
Based on your Sheba Credit Score.
Sheba Save — Savings-linked credit building. Regular deposits build a formal score with no loan required.
Savings profile
Tigist Bekele
Sheba Save
68%
to goal
Total saved
ETB 8,160
Monthly deposit
ETB 680
Streak
12 months
Score Boost
+68 pts
On-Time
12/12
Savings Milestones
Recent Deposits
How Sheba Save works
Each deposit is reported to your Sheba Credit Score as an on-time payment. After six months your full savings are returned — and you now have a credit history that unlocks real loans.
Sheba Education — Gamified financial literacy in five languages. Completing modules earns points that boost your Sheba Score.
Learning profile
Dawit Alemu
Level
7
Education Points
2,840
Scholar
Score bonus
+42 pts
Progress to Level 871%
7-Day Streak5 days
Language
Amharic
Afaan Oromo
Tigrinya
Somali
English
Modules5/8 complete
Community Leaderboard
Top Learners — Addis Ababa
Sheba Open Banking — Consent-based data sharing. OAuth 2.0 with an immutable consent ledger, real-time response.
Open Banking Dashboard
Manage data sharing and see score impact.
Open Banking Score Impact
+47
Points Added
to Credit Score
Accounts
3 Active
Response
~1.1s
API Calls
1,247
Consent LedgerImmutable
Connected Accounts3 Active
Live Data Streams
Monthly Score Contribution
SepOctNovDecJanFebMar
ProtocolOAuth 2.0
EncryptionAES-256
StandardPSD2 / UK Open Banking
Sheba Agri — Credit profiling for Ethiopia's farming majority using a graph neural network, cooperative data and seasonal inputs.
Agri Credit Profile
Oromia — Jimma Zone
Sheba Agri Score
741
Strong
↑ +22 this season
Loan Eligible
ETB 28,000
Land Area
2.4 ha
Cooperative
Member ✓
Season
Meher 2024
Season Progress
Meher Season 2024/25
Teff & Maize Harvest
Jimma Zone, Oromia
Season Progress73%
Crop Portfolio
Cooperative
Jimma Farmers Cooperative
847 members · Est. 2008
Seasonal Loan
Agricultural Credit — Pre-Approved
ETB 28,000
PurposeInputs + Equipment
RepaymentPost-Harvest
Rate11.0% p.a.
PartnerOromia Cooperative Bank
Powered bySheba Agri CRaaS API
Agri Score Factors
Live Market PricesECX · Today
Climate & Season Alert
CRaaS — Credit-Reporting-as-a-Service — White-label API access to Sheba's full credit stack. Real-time scores, fully auditable under CRB/02/2019.
CRaaS API
Integrate real-time credit intelligence directly into your loan origination system with a single API call.
Live API CallSandbox
POST /functions/v1/credit-querysandbox
// Real sandbox credit query · pglbndkxmflyfxpuhaaf.supabase.co
const res = await fetch(endpoint, { body: {
"subject_ref": "sub_9f3a",
"consent_token": "cnst_sandbox_3b1e7d92",
"purpose": "loan_origination"
}});
Response— ms
// Tap Run live query to call the real sandbox API and see a genuine scored response.
API Performance
Avg Latency
~1.1s
Uptime SLA
99.9%
Checks Today
3,847
ProtocolOAuth 2.0 · REST
EncryptionAES-256 · TLS 1.3
Consent CheckAutomated · Immutable Log
ExplanationsSHAP factor attribution
Integration TimeUnder 2 weeks
Recent Checksillustrative
Integration Flow
01
API credentials & onboarding
OAuth 2.0 keys + sandbox access
Day 1
02
Integrate credit check API
Single call in your loan origination
Day 3
03
Consent verification
Auto-verified before any data release
Day 5
04
Receive credit intelligence
Score + risk tier + limit + SHAP
Day 7
05
Go live
Approve more, risk less
Day 14
Pricing
Pay-as-you-go
Per credit check
Transparent per-query pricing. No minimum commitment, for variable volumes.
Full credit score + risk tier
Repayment history access
Agri & alternative data signals
Real-time API response
Standard support
Annual Contract
Custom
Full institutional stack. Volume terms tailored to your portfolio.
Everything in pay-as-you-go
Volume-tiered query pricing
Sheba Insights Dashboard
Open Banking Institutional Suite
Custom portfolio analytics
Priority SLA · Dedicated support
Sheba Insights Dashboard — Portfolio monitoring, sector risk analysis and borrower trends for banks, MFIs and fintechs.
Insights Dashboard
Real-time portfolio analytics to identify risk, spot opportunity and design targeted loan products.
Institution View
CBE
Awash
ACSI MFI
Commercial Bank of Ethiopia
Using Sheba CRaaS since Q1 2025
Checks This Month
12,847
Approval Rate
68%
Avg Score
641
NPL Rate
2.1%
Portfolio Score Distribution
Risk Tiers
Sector Analysis
Approval Trend (6 Months)
OctNovDecJanFebMar
Open Banking Institutional Suite — Connect to Telebirr, CBE, Awash and cooperative APIs in one integration. Customer-permissioned, real-time data.
OB Institutional Suite
Real-time, personalised lending decisions powered by customer-permissioned open banking data.
Data Architecture
Sources → Sheba Layer → Lender
Telebirr
51M users
51M users
CBE
API
API
Co-ops
Agri data
Agri data
↓
Sheba Consent Layer
OAuth 2.0 · Immutable Ledger · AES-256
↓
Lender API Response
Score + risk tier + data streams — real-time
Live Consent Events
Platform Stats
Active Consents
48,291
Avg Latency
~1.1s
Banks Connected
7
Data Points/day
2.4M
StandardPSD2 / UK Open Banking
Consent LedgerImmutable · Auditable
RevocationReal-time · Customer-controlled
Data Retention36 months history
Who Uses This
Commercial Banks
Faster loan decisions, lower NPLs. Ethiopia has 20+ commercial banks expanding credit.
Microfinance Institutions
Reach unbanked farmers and rural borrowers using cooperative and agri data streams.
Fintechs & Neobanks
Embed credit intelligence in mobile-first lending products for Ethiopia's youth market.
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