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Client Scoring

Automatically assesses a client's creditworthiness based on financial and social parameters. Returns the scoring result, the loan decision, and the recommended limit.

URL

Method: POST

  • Production: https://registry.wallet.kvell.group/reg2/client/scoring

Request parameters

Name Data type Required Description
age integer No Client's age (years). Very young and elderly clients carry higher risk
income number No Monthly income (RUB). Higher income means a higher score
monthlyDebt number No Total monthly debt load. Used to calculate the debt-to-income ratio
creditHistoryLengthMonths integer No Length of credit history (months). Longer is better
currentLoans integer No Number of active loans. More loans mean higher risk
delinquencies integer No Number of delinquencies. A strong negative factor
employmentMonths integer No Tenure at the current job. Longer tenure means more stability
employmentType string No Employment type: OFFICIAL (formal employment — low risk), SELF_EMPLOYED (self-employed — medium risk), UNOFFICIAL (informal employment — high risk), UNEMPLOYED (unemployed — very high risk)

Request example

{
  "age": 32,
  "income": 75000,
  "monthlyDebt": 10000,
  "creditHistoryLengthMonths": 48,
  "currentLoans": 1,
  "delinquencies": 0,
  "employmentMonths": 24,
  "employmentType": "OFFICIAL"
}

Request headers

Name Data type Required Description
X-Api-Key string Yes Unique identifier (UUID)

Response

Response example

{
  "score": 840,
  "decision": "APPROVE",
  "maxLimit": 112500
}

Response parameters

Name Data type Description
score integer Scoring result (0–1000)
decision string APPROVE / APPROVE_WITH_LIMIT / MANUAL_REVIEW / DECLINE
maxLimit number Maximum approved loan limit