Send an M-Pesa or bank statement, an ID and a selfie — whatever you have — and get one comparable apenia_score from 0–900, a risk band, an affordability figure and a recommended limit. Plus identity verification, liveness and credit-bureau checks, behind one API.
Each capability is metered independently — activate only what you use, priced per call.
Score M-Pesa, bank and collateral documents into one 0–900 apenia_score with a full affordability breakdown.
Face-match a selfie to an ID with active liveness — smile, turn, nod — beating photo and screen spoofing.
Pull a TransUnion or Metropol report, resolve alternative phones, and submit loans & repayments back to the bureau.
Enroll a borrower's voiceprint at onboarding and re-verify them by voice at loan time.
Your product stays in front of the borrower; Apenia sits behind it.
Your customer has an M-Pesa or bank statement, maybe an ID photo and selfie. That's the raw material every decision starts from.
You integrate from your backend — your loan app, your form. A drop-in widget and hosted onboarding links exist if you'd rather not build the UI.
Every call carries your key + secret (or an OAuth token), applies your rate limit, and confirms your prepaid Float wallet covers premium calls.
A model extracts data from any document; a deterministic, auditable engine computes the score — income, affordability, debt, stability, behaviour.
In the JSON response, as a signed webhook to your callback, a debit to your Float wallet, and a logged transaction in the console — at once.
Report loan outcomes as they mature; once enough accumulate, the score's weights recalibrate against real defaults — staying transparent throughout.
Extraction is fuzzy, so a model does it. The decision is deterministic and explainable, so the engine does it — and every point traces to a named reason a regulator can audit. That separation is what makes Apenia fair-lending defensible, not just accurate.
Top up by M-Pesa; each successful call debits its price and writes a line to your statement. High-volume? Take a monthly plan with an included quota and per-1,000 overage.
Read the API reference, mint a key, and score your first statement in minutes.