Sheba Credit's CRaaS (Credit Reporting as a Service) API gives banks, MFIs and fintechs real-time credit data on any Ethiopian consumer — built to comply with NBE Directive CRB/02/2019.
A single REST API gives you credit scores, reports, and identity verification for any Sheba-registered consumer in real time.
Every query returns a full credit report and score in real time. No batch processing, no delays.
Every query is logged and auditable, designed to meet the CRB/02/2019 pre-lending query mandate.
Every credit file is anchored to Ethiopia's national digital ID. You can trust who you're scoring.
RESTful, documented and ready to integrate in days — not months.
300–850 score with tier classification and factor breakdown.
Payment history, data sources, score trend and improvement factors.
Every query logged with timestamp, purpose, and consent reference — NBE-ready.
No paperwork, no waiting. Copy the request below, paste it into your terminal, and get a real, scored, audited credit response from our live sandbox — using a shared test institution and a consented test subject.
POST a query for the seeded test subject. The sandbox API key, subject and consent token below are public test credentials — safe to share and scoped to the sandbox only.
curl -sS -X POST \ "https://pglbndkxmflyfxpuhaaf.supabase.co/functions/v1/credit-query" \ -H "Authorization: Bearer sk_sandbox_sheba_pilot_7f3a9c2e1b8d4056" \ -H "Content-Type: application/json" \ -d '{ "subject_ref": "sub_9f3a", "consent_token": "cnst_sandbox_3b1e7d92", "purpose": "loan_origination" }'
You get back a Sheba Score (300–850), the tier, the factors that drove it, an eligibility recommendation, and an immutable audit reference — every query is logged for NBE CRB/02/2019.
{
"query_id": "a3f1c8e2-...",
"subject_ref": "sub_9f3a",
"status": "scored",
"score": 724,
"tier": "Good",
"confidence": 0.95,
"scale": [300, 850],
"factors": {
"positive": [
{ "code": "PAY_ONTIME", "label_en": "Consistent on-time payment history", "label_am": "ወጥ የሆነ በወቅቱ የመክፈል ታሪክ", "impact": "high" },
{ "code": "PAY_LOAN_ONTIME", "label_en": "Loans repaid on time", "label_am": "ብድሮች በወቅቱ ተከፍለዋል", "impact": "high" },
{ "code": "ACT_REGULAR_INFLOW", "label_en": "Regular, steady income inflows", "label_am": "መደበኛና የተረጋጋ የገቢ ፍሰት", "impact": "med" },
{ "code": "ID_VERIFIED", "label_en": "Identity verified with Fayda", "label_am": "ማንነት በፋይዳ ተረጋግጧል", "impact": "med" },
{ "code": "SAV_STREAK", "label_en": "Sustained savings streak", "label_am": "ቀጣይነት ያለው የቁጠባ ልምድ", "impact": "high" }
],
"negative": []
},
"recommendation": {
"action": "approve_with_conditions",
"eligible": true,
"indicative_limit_etb": 25000
},
"data_sources": ["telebirr", "sheba_save", "fayda", "education"],
"segment": "urban",
"model_version": "sheba-score-v1.0.0",
"generated_at": "2026-06-27T09:41:12Z",
"audit_ref": "9c21e7b4-..."
}Same scoring engine, same audit log, same response shape as production — only the data is seeded test data. Sandbox keys are rate-limited and read-only.
Reduce NPLs, expand portfolios into the unbanked market, and meet the NBE pre-lending query mandate automatically.
Score small borrowers who have never had a bank account. Alternative data opens a market you couldn't reach before.
Integrate credit data into your decisioning engine in days. White-label options available for partners.
Access Sheba Agri scores for Ethiopia's 70% farming workforce — the market most lenders can't see.
The sandbox uses a shared test key. To run real queries on real consumers, request a dedicated production key — we'll set up your institution, scope your consent, and tune volume pricing to your portfolio.