Score applicants who have no bank credit history
Credit Scoring builds a score from a citizen’s payment history in mobile money, telecom, banking and utilities, linked to their certified RDCPASS identity. The citizen approves every request. You get a score with a risk band, a probability of default and the reasons for it.
- Mobile money, telecom, banking and utility data
- Consent approved in the RDCPASS app
- Real-time decisions
Score an applicant
- Applicant
- RDCPASS ID · COD-2103-0214-4937
- Product
- Microcredit
- Consent
- Approved in the RDCPASS app
- Signing request · HMAC-SHA256
- Encrypting payload · AES-256-GCM
- Collecting consented payment histories
- Computing score and risk band
Result
- score range
- 300–850
- score range
- risk bands
- A–E
- risk bands
- default-probability horizon
- 12 mo
- default-probability horizon
- consent validity
- 30 days
- consent validity
Why businesses choose Credit Scoring
Lend to people banks cannot score
An applicant with no bank credit history can still be assessed on how they pay for mobile money, airtime and utilities.
Answer while the applicant is still there
The score, risk band and probability of default come back while they are in your app or at your counter.
Explain every decision
Each score lists the factors behind it. A loan officer can tell an applicant why they were turned down and what would help next time.
How it works
- 01
The citizen approves your request
Their RDCPASS app shows your organization, the credit product and the amount. They approve with a face check.
- 02
You request a score
Your system sends the citizen’s identifier, their consent and the product being assessed.
- 03
We build the score
Verified payment histories from mobile money, telecom, banking and utility providers are combined into one assessment.
- 04
You receive the result
A score, a risk band, a probability of default and the factors behind them, along with the citizen’s basic KYC.
Capabilities
What you receive
For every request the citizen has consented to, RDCPASS returns:
- A credit score and its risk band, from A to E
- The probability of default over the next 12 months
- The factors that most influenced the score, each marked positive or negative
- The data sources the score was built from
- How long you may rely on the score, and the citizen’s basic KYC
Alternative and financial data
Mobile money activity, how long someone has had their phone number and how they top up, bank and microfinance repayments, electricity and water bills.
Risk bands A to E
Scores run from 300 to 850 and each one falls into a band from A to E. Your credit policy can map each band to a decision.
Probability of default
The estimated chance the applicant defaults within the next 12 months, adjusted for the amount they are asking for.
Reasons behind each score
The main positive and negative factors, such as repayment history, income stability or account age, written in plain language.
Consent built in
Ask for consent through the RDCPASS app or at sign-in with Login with RDCPASS. The same consent can be reused for 30 days, for instance to re-score just before disbursement.
Pre-approval campaigns
Score up to 10,000 opted-in customers in one request, for example to pre-approve mobile credit limits.
Integration
One integration for sandbox and production
Requests are HTTPS calls with JSON bodies, signed and encrypted. The sandbox returns the same formats as production, so the code you test with is the code you ship.
- 1
Create an application
Sign up, create a sandbox application and select the services and data scopes you need.
- 2
Make your first call
Start from an official SDK or from the samples on the right. Eight languages are covered.
- 3
Go live
After due diligence, replace the sandbox keys with production keys and add your mTLS certificate. The request code stays the same.
Request modes
Single · sync
One record, answered immediately.
Single · async
One record, result by webhook.
Batch · sync
Up to 50 records per call.
Batch · async
Up to 10,000 records, result by webhook.
# Plaintext body shown — it is AES-256-GCM encrypted (IV in X-RDCPASS-IV) and signed per /docs/authentication before sending.
curl https://api.rdcpass.cd/v1/credit/scores \
-X POST \
-H "X-RDCPASS-Key-Id: key_live_8f2a1c0e9b" \
-H "X-RDCPASS-Timestamp: 1735689600" \
-H "X-RDCPASS-Nonce: 2d7b4e91-6c3a-4f08-b5e2-8a1f0c9d3e67" \
-H "X-RDCPASS-Signature: 8c1d4f...b62e" \
-H "X-RDCPASS-IV: mX4p9Qz2Lr8sT1vB" \
-H "Idempotency-Key: e4a9c2f7-1b3d-4e6a-9f05-7c2b8d1e0a53" \
-H "Content-Type: application/json" \
-d '{
"identifier": { "type": "rdcpass_id", "value": "COD-2103-0214-4937" },
"consent": { "method": "rdcpass_app", "consent_id": "cns_5e8a2d71c4" },
"purpose": "credit_assessment",
"product": "microcredit",
"amount_requested": { "value": 1500000, "currency": "CDF" },
"reference": "loan-2026-0917"
}'{
"id": "crs_5a9e2c7b14",
"object": "credit_score",
"livemode": true,
"reference": "loan-2026-0917",
"status": "completed",
"identifier": { "type": "rdcpass_id", "value": "COD-2103-0214-4937" },
"consent": {
"method": "rdcpass_app",
"consent_id": "cns_5e8a2d71c4",
"granted_at": "2026-09-26T10:12:40Z",
"expires_at": "2026-10-26T10:12:40Z"
},
"product": "microcredit",
"amount_requested": { "value": 1500000, "currency": "CDF" },
"score": 712,
"band": "B",
"probability_of_default": 0.034,
"factors": [
{
"code": "payment_history",
"impact": "positive",
"weight": 0.35,
"description": "Mobile credit and loan instalments repaid on time over the last 24 months."
},
{
"code": "mobile_money_activity",
"impact": "positive",
"weight": 0.25,
"description": "Regular monthly inflows on the primary mobile money wallet."
},
{
"code": "credit_utilization",
"impact": "negative",
"weight": 0.15,
"description": "Outstanding balances use 68 % of available credit lines."
},
{
"code": "telecom_tenure",
"impact": "positive",
"weight": 0.1,
"description": "Same primary phone number for more than 6 years."
},
{
"code": "utility_payments",
"impact": "positive",
"weight": 0.08,
"description": "Electricity and water bills settled without arrears."
},
{
"code": "recent_inquiries",
"impact": "negative",
"weight": 0.07,
"description": "3 credit applications in the last 90 days."
}
],
"data_sources": ["mobile_money", "telecom", "banking", "utilities"],
"valid_until": "2026-10-26T10:15:02Z",
"account": {
"rdcpass_id": "COD-2103-0214-4937",
"status": "active",
"certified": true,
"created_at": "2025-03-14T09:22:41Z",
"level_of_assurance": "LOA3"
},
"kyc": {
"basic": {
"full_name": "Kabeya Mwamba Tshisekedi",
"first_name": "Kabeya",
"last_name": "Tshisekedi",
"date_of_birth": "1988-04-12",
"age": 38,
"gender": "male",
"nationality": "COD"
}
},
"purpose": "credit_assessment",
"created_at": "2026-09-26T10:15:02Z"
}Where it’s used
Trust & privacy
- No citizen is scored without their explicit approval, and they can revoke it at any time from the RDCPASS app.
- Each consent covers one citizen and one application. The score may only be used for the credit decision the citizen agreed to.
- Only basic KYC is returned. No addresses, documents or other personal data.
- Production access requires enhanced due diligence. Every request is signed, encrypted end to end and logged for audit.
Pricing
Billed per score.
Basic KYC is included with every score and there are no scope surcharges. Batch items cost less. Requests rejected with an error are never billed, and that includes requests without valid consent.
Frequently asked questions
What if an applicant has never had a bank account?+
They can still be scored from their mobile money, telecom and utility payment histories. Each score shows which sources it is based on.
How does the citizen give consent?+
Either by approving a consent request in the RDCPASS app, or at sign-in with Login with RDCPASS. Both ways, they see who is asking and why before they approve with a face check.
Does the score make the lending decision?+
No, your credit team does. Use the score alongside your own affordability assessment and credit policy, and use the factors to explain a refusal to the applicant.
Can I try it before going live?+
Yes. The sandbox is free and returns the same fields as production, using synthetic test identities.
Related products
KYC Validation
Verify a person against their certified RDCPASS account and receive the data you are approved for.
Learn moreLogin with RDCPASS
Let citizens sign in with their national identity and share only what they consent to.
Learn moreFraud Reporting
Report fraud cases to the national fraud desk and follow them to resolution.
Learn moreStart using Credit Scoring
Building and testing in the sandbox is free. You go live once your business and application have passed due diligence.