The Infrastructure Layer for Modern Financial Businesses
Build financial products faster with APIs for verification, financial intelligence, lending and digital execution.
From KYC and KYB to credit intelligence, underwriting, eSign, mandates and collections — connect the infrastructure behind modern financial workflows through Scofit.
Financial Infrastructure Is Complex.
Your Integration Shouldn't Be.
Every financial journey runs on the same three layers. Scofit connects them through one technology platform.
Know who you're dealing with
Confirm identity, business and bank details through compliant, upstream data sources.
Turn data into intelligence
Bring credit, banking, employment and risk data together into usable insight.
Execute the workflow
Run onboarding, mandates, disbursement, execution and collections end-to-end.
Why Financial Businesses Choose Scofit
Built around real lending and financial workflows — not a collection of disconnected tools.
One Integration Layer
Connect the entire financial workflow through a single API surface and one technology partner. No stitching together multiple vendors, contracts and data formats.
Built for Lending
Designed around real lending and financial workflows, from onboarding to final collection.
Developer First
API documentation, integration tooling and sandbox-first development make it easy to build.
Enterprise Ready
Security, access controls, support and commercial models designed for growing businesses.
One Platform. Multiple Financial Workflows.
Product families that compose into the workflow your business needs — built on one integration layer.
Financial & Credit Data, Turned Into Action
Combine bank, credit, employment and financial data into usable intelligence for lending decisions.
Scofit Verify
KYC & identity — PAN, Aadhaar, documents, OCR and face verification.
Scofit KYB
Business verification — entities, directors and ownership before onboarding.
Scofit Underwrite
Lending decision infrastructure — combine data into confident decisions.
Scofit Execute
Digital execution — eSign, eNACH, mandates and payments.
Credit Intelligence
Credit score, report and credit risk signals for better decisions.
Scofit Collect
Collections infrastructure — recovery intelligence and skip tracing.
From Customer Onboarding to Final Collection
Select a stage to see the capabilities and data behind a modern lending workflow.
Lead
Capture and qualify leads with lightweight identity checks at the point of entry.
Onboard
Collect applicant information through compliant, low-friction digital journeys.
KYC / KYB
Verify the customer and, for business lending, the entity and its directors.
Verify
Confirm bank ownership and match the customer to the account they nominate.
Credit Check
Pull credit score, credit report and repayment behaviour from the bureau.
Underwrite
Combine credit, banking and employment data into a confident lending decision.
eSign
Execute loan agreements and documents digitally with eSign.
eNACH
Set up standing repayment instructions through eNACH mandates.
Disburse
Trigger disbursement to the verified beneficiary account.
Monitor
Track portfolio health and detect shifts in risk over the loan lifetime.
Collect
Manage repayment with collections intelligence and automated follow-up.
Scofit Credit Intelligence
Turn credit data into better lending decisions — integrated directly into onboarding, pre-qualification and underwriting.
One Infrastructure Layer. Multiple Data Sources.
Don't build integrations one by one. Connect your customer system to every source you need through one platform.
Built for Financial Businesses
Pre-built workflow blueprints that combine Scofit products into real outcomes.
Digital Lending
Verification, intelligence and execution for loan journeys.
Personal Loans
Automate consumer credit onboarding and underwriting.
SME / MSME Lending
Verify businesses and understand financial profiles.
Fintech
Embed infrastructure without building it internally.
Merchant Onboarding
Verify and onboard merchants faster.
Collections
Improve post-disbursement intelligence.
Explore Scofit APIs
A developer marketplace for verification, financial intelligence, execution and collections — searchable, sandboxed and production-ready.
PAN Verification
Verify PAN information securely through API integration — a single call to confirm identity and linking status for onboarding and lending workflows.
POST /v1/kyc/pan View API →Bank Account Verification
Validate account details and retrieve structured statement intelligence.
POST /v1/banking/account View API →Credit Report
Fetch credit score, report and risk signals for credit decisions.
POST /v1/credit/report View API →Underwriting
Run risk scoring and decision rules across credit, banking and employment data.
POST /v1/underwrite/decision View API →eSign
Digitally sign agreements and documents within your product flow.
POST /v1/esign View API →Recovery Intelligence
Prioritise and orchestrate collections with intelligent recovery data.
POST /v1/collect/recovery View API →API-by-API
Targeted integrations. Compose individual verification, intelligence or execution APIs.
Explore APIsWorkflow
Combine multiple capabilities into an end-to-end lending or onboarding workflow.
View WorkflowsEnterprise
Custom architecture, commercial terms, SLAs and dedicated support for scale.
Talk to SalesFrom API Discovery to Production
A guided path from exploring Scofit APIs to running live in your product.
Explore APIs
Browse the catalogue and read API reference for the capabilities you need.
Get Credentials
Create an account and receive sandbox API keys in minutes.
Build in Sandbox
Integrate against sandbox data and test your workflows safely.
Validate
Verify responses, conformance and SLA behaviour before launch.
Production Access
Go live with production credentials, support and monitoring.
Build with Scofit
A clean, RESTful API surface with sandbox, documentation and production in one place.
POST https://api.scofit.app/v1/credit/report Authorization: Bearer sk_live_... { "pan": "ABCPD1234X", "consent": true } ──────────────────────────── # 200 OK { "status": "success", "data": { "score": 742, "report_id": "crp_9f2..." } }
Security & Data Protection
Security is engineered into the infrastructure — across the data lifecycle, from ingestion to deletion.
Encryption
TLS in transit, encryption at rest for all stored data.
API Security
Scoped keys, signatures and per-endpoint permissions.
Access Controls
Role-based access and fine-grained authorization.
Data Retention
Consent-based handling with retention controls.
Auditability
Logging, audit trails and consent records.
Monitoring
Real-time anomaly detection and alerting.
Incident Response
Defined response, containment and notification.
Privacy
Designed around consent and data minimization.
Learn how to build
Product guides, API guides and fintech education from the Scofit engineering team.
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