Credit History

A farmer's creditworthiness signal — Riwe's own credit score plus formal/informal lending history, cooperative/VSLA membership, a repayment track record, and (optionally) a credit check. The primary section for banks and lenders.

Section key	Fee (NGN)	Available to
`credit_history`	50 + credit check (basic 80 / advanced 150)	bank

The credit check fee is skipped when a recent check is on file for the same farmer, so repeat lookups can be cheaper.

Request

curl -X POST https://api.riwe.io/v1/rupa/lookup \
  -H "X-API-KEY: rk_live_YOUR_SECRET" \
  -H "Content-Type: application/json" \
  -d '{ "rupa_id": "rp-7lif9u", "sections": ["credit_history"] }'

Response

"credit_history": {
  "credit_score": null,
  "credit_rating": null,
  "score_factors": null,
  "score_calculated_at": null,
  "prior_formal_loans_count": 0,
  "prior_informal_loans_count": 0,
  "prior_insurance_participation": false,
  "cooperative_membership": false,
  "vsla_membership": false,
  "repayment_record": [],
  "partner_reported_repayments": [],
  "bureau": null,
  "data_as_of": "2026-07-03T12:02:54+00:00"
}

Fields

Field	Description
`credit_score`	Riwe's composite score for the farmer (may be `null` for thin‑file farmers)
`credit_rating`	Banded rating (e.g. `A`–`E`) derived from the score
`score_factors`	The main factors driving the score
`score_calculated_at`	When the score was last computed
`prior_formal_loans_count`	Number of prior formal loans on record
`prior_informal_loans_count`	Prior informal/cooperative loans
`prior_insurance_participation`	Has held insurance before (a positive signal)
`cooperative_membership`, `vsla_membership`	Group‑finance membership (positive signals)
`repayment_record`	Riwe‑observed repayments
`partner_reported_repayments`	Repayments other partners reported via `/report` — the network effect
`bureau`	Credit check summary when a check was run (`bureau.source` is always `credit_bureau`); `null` if none was needed or available
`data_as_of`	Snapshot time

Tip

partner_reported_repayments is why Ruralpass gets better as more lenders participate: your loan_repayment reports enrich the shared record other banks see, and theirs enrich yours. This is the "give‑to‑get" contribution model — see Report activity.

Typical use

Bank/lender — underwrite an input loan or working‑capital facility for a farmer with little or no traditional bureau file, using Riwe's alternative‑data score plus cross‑partner repayment history. Combine with Financial History for outstanding exposure.

Base URL https://api.riwe.io/v1/rupa Get API access