OneScore API Integration Services (Credit Scoring · Personal Loans · OpenFinance)

Providing secure, compliant API integration and protocol analysis for credit management and lending markets, supporting CIBIL/Experian data synchronization and loan quote aggregation.

Starting at $300
OpenData · OpenFinance · Protocol Analysis · Credit Scoring API

Integrate OneScore's credit insights, loan quotes, and repayment tools into your system

We deliver runnable credit score lookups, loan matching, and automated application APIs through protocol analysis and access to public/authorized data, helping your product go live quickly while meeting compliance and privacy requirements.

Credit Score Sync — integrates Experian / CIBIL reports summaries, score change notifications, and score impact analysis (Score Insights), with support for real-time webhook push.
Loan Offers Aggregation — fetch and standardize approval odds, interest rates, fees and tenors from different lenders, returning unified Approval Odds and comparable offers.
Instant Application & Disbursement — automatically submit application packages (KYC, income proofs, bills), connect to lenders' approval interfaces, and support disbursement status synchronization and repayment plan exports.
Credit Building & Simulation — provides a score simulator API (simulate early repayment, late payments, and credit limit increases) for frontend display and decision support.
Consult Now View Deliverables

Our Deliverables

Standard Deliverables

  • Protocol analysis report (authorization flow, data fields, rate limits)
  • OpenAPI (Swagger) documentation with sample requests/responses
  • Runnable source code (Node.js / Python) with SDK samples
  • Webhooks and asynchronous notifications, retry strategies
  • Automated tests and Postman collections
  • Compliance recommendations (data minimization, user consent logging, log strategy)

API Example: Credit Score Query (Pseudo-code)

POST /api/v1/onescore/credit-report
Content-Type: application/json
Authorization: Bearer <SERVICE_TOKEN>

{
  "user_id": "user-1234",
  "consent_id": "consent-5678",
  "request_fields": ["score","summary","accounts","inquiries"]
}

Response: {
  "status": "OK",
  "score": 742,
  "bureau": "EXPERIAN",
  "summary": "Good - low credit utilization",
  "factors": [ "High credit utilization last month","Recent new account"]
}

API Example: Loan Offers Aggregation (Pseudo-code)

GET /api/v1/onescore/loan-offers?user_id=user-1234
Authorization: Bearer <SERVICE_TOKEN>

Response: {
  "offers": [
    {"provider":"Bank A","amount":250000,"min_rate":11.2,"max_rate":15.5,"approval_odds":0.42},
    {"provider":"NBFC B","amount":150000,"min_rate":13.5,"max_rate":24.0,"approval_odds":0.67}
  ]
}

Core Advantages (Why Choose Us)

  • Financial-grade compliance: supports KYC, data minimization, and regulatory logging
  • Cross-vendor aggregation: unify data models across different bureaus and lenders
  • Rapid delivery: from protocol analysis to development, testing, and delivery; typical 5–15 business days
  • Production-ready SDKs (Node/Python/Go) and deployment guidance
  • Global perspective: understanding local bureaus and cross-border data-sharing restrictions

Compliance & Privacy

All integration work is based on user authorization or publicly licensed APIs, compliant with data protection laws in India and target markets; we provide data access consent templates and logging strategies, and, if necessary, support NDA and security assessments.

About Us

We are a tech studio focused on app protocol analysis and authorized API integration, with team members from fintech, banking, and security auditing backgrounds, skilled at turning closed-source app authorization flows and public data capabilities into reusable enterprise interfaces.

  • Service scope: Protocol analysis, API refactoring, OpenData/OpenFinance integration
  • Supported platforms: Android / iOS native workflows decomposition and backend SDKs
  • Delivery formats: runnable source code, OpenAPI docs, test cases, and deployment instructions
  • Transparent pricing: starting at $300, with payment after delivery

Contact

Ready to integrate OneScore's credit capabilities into your product? Contact us via the link below and submit your target app name and requirements:

Visit Contact Page

Collaboration Process (Brief)

  1. Submit requirements: Provide OneScore and target features (e.g., credit score, loan aggregation, application automation).
  2. Protocol analysis: We assess authorization methods, API availability, and compliance boundaries (2–5 business days).
  3. Development delivery: Implement API, SDK and test scripts (3–10 business days, depending on complexity).
  4. Acceptance and deployment: Deliver documentation, examples, and operations guidance; support rapid fixes within 7 days.

FAQ

What information do I need to provide?

Please provide the target app name (OneScore already provided), the features to integrate (credit score, loan aggregation, application etc.), and whether you already have backend credentials or a test environment.

Will reverse engineering be involved?

We prioritize using public APIs or data access with authorization; when necessary, we perform protocol analysis (reverse engineering) to understand the authorization flow, and only proceed if authorized by the client and permitted by local laws.

How is data security ensured?

Deliverables include least-privilege access, encryption recommendations (TLS 1.2+), data masking, and audit logging; third-party security assessments are supported if needed.
📱 OneScore Official App Features (Collapsible)

OneScore is India's leading credit scoring and personal loan platform, offering free credit score management, score-change alerts and instant personal loan marketplace services. Suitable for users who want quick visibility of credit health and access to short-to-medium term loans.

  • Free credit score lookup and historical fluctuation alerts (display of Experian / CIBIL data)
  • Credit score analytics: drivers, score simulator, improvement recommendations
  • Instant personal loan shortcuts: unsecured/guaranteed, zero documents or low-doc approvals
  • EMI calculator, repayment plan reminders, and overdue risk alerts
  • Aggregated offers from multiple lenders with amount, rate, term and approval probability
  • Privacy and security: encryption in transit and minimal data retention (as per platform terms)
  • Customer support: email and online support channels (example: [email protected])