Financial Services APIs
Credit risk assessment, KYC verification, payments, and settlement services.
Credit Risk
AI-powered credit scoring for BNPL decisions with real-time risk analysis.
- Credit score (FICO-equivalent)
- Risk classification
- Dynamic credit limits
- Credit improvement tips
KYC Verification
B2B Know Your Customer verification for company accounts.
- Company validation
- Document upload
- Bank verification
- Shopify B2B sync
Payments & Payouts
Process payments and manage payouts with AI-powered processor selection.
- Multi-processor support
- AI optimization
- Daily settlement
- Cross-border support
Market Making
AI-powered FX/Crypto market making with arbitrage detection.
- Cross-chain arbitrage
- Commodity pricing
- Settlement optimization
- Real-time analysis
Credit Risk Assessment​
AI-powered credit scoring with multiple data sources:
graph TD
A[Customer Data] --> B[Payment History]
A --> C[Bank Transactions]
A --> D[Shopify History]
A --> E[External Credit]
B --> F[ML Ensemble Model]
C --> F
D --> F
E --> F
F --> G[Credit Score 300-850]
G --> H[Risk Level]
G --> I[Credit Limit]
KYC Workflow​
Step 1: Email Verification
Step 2: Company Information
Step 3: Business Documents
Step 4: Identity Verification
Step 5: Bank Account Verification
Step 6: Shopify B2B Sync
Payment Processors​
| Processor | Best For | Settlement |
|---|---|---|
| Circle | USDC, fast settlement | Near-instant |
| Shopify Payments | Standard orders | 2-3 days |
| Payoneer | Cross-border B2B | 1-2 days |
| TerraPay | Dual custody | 1 day |
| Escrow.com | High-value | 3-5 days |
Quick Start​
# Get credit score
credit = client.credit_risk.get_score(customer_id="cust_abc123")
print(f"Score: {credit['score']}, Risk: {credit['risk_level']}")
# Check KYC status
kyc = client.kyc.get_status(customer_id="cust_abc123")
print(f"Status: {kyc['status']}")
# Process payment
payment = client.payments.create({
"customer_id": "cust_abc123",
"amount": 1000.00,
"currency": "USD",
"payment_method": "bank_transfer"
})