Concepts

What PACIN is

PACIN is a scoring API for African financial institutions. It reads consented financial behaviour — often mobile money and bank activity — and returns a credit score with a short explanation.

PACIN is not a lender. PACIN is not a credit bureau. The institution decides.

Records

A person or business is a PACIN entity. You do not create a file by typing a name into the score API. Data is ingested first. Then you look up that record.

Consent

Live scoring needs an active consent for that entity and purpose. Sandbox demo data is for testing only. See Consent.

The score

The public score is an integer from 0 to 1000. The response includes a risk band and the main reasons. Same input, same result.

If there is not enough history, PACIN does not guess. It returns insufficient data. Details of how the score is built stay internal.

A typical request

1. The institution captures consent.
2. Transaction history is ingested.
3. Your system calls the score API with the entity id (or customer lookup).
4. PACIN returns the score and explanation.
5. Your rules decide the loan.