Products
creditPremium analysis — 1 unit per call
Swippee Score
A composite 0–1000 creditworthiness indicator.
Transparent score derived from income, stability, cash flow, debt load, and risk signals — every contributing factor returned alongside the number. No black-box ML; reproducible from the same inputs.
Method
GET
Endpoint
/v1/reports/:id/score
Billing
Premium
Quick action
POST /v1/parse then fetch this endpoint
Primary intent
Evaluate applicants faster with structured output
Compliance
Trace decisions to report IDs and signed events
One parse, many views
Fetch this product from the same report ID without re-uploading the customer statement.
Developer shaped
Stable JSON, explicit fields, predictable billing, and examples that map directly to the docs.
Audit friendly
The output keeps the decision signal and the source report tied together for review.
What you get
- Single 0–1000 score with band: excellent / good / fair / poor / very_poor
- Every factor returned with its impact — show the applicant why
- Deterministic — same inputs always produce the same score
Built for
- Lending decisions
- Loan pricing tiers
- Pre-qualification offers
Request
curl https://api.swippee.com/v1/reports/cl_abc123/score \
-H "Authorization: Bearer $SWIPPEE_API_KEY"Response
{
"score": 782,
"band": "good",
"factors": [
{ "factor": "Baseline", "impact": 500 },
{ "factor": "Regular monthly salary detected", "impact": 200, "detail": "~NPR 72,000/mo" },
{ "factor": "Income stability", "impact": 87, "detail": "87/100" },
{ "factor": "Growing balance trend", "impact": 50 },
{ "factor": "EMI load", "impact": -25, "detail": "24.5% of income" },
{ "factor": "Remittance inflows detected", "impact": 30 }
]
}