Skip to main content
Version: 1.0.11

Risk Evaluation API

The banca.me risk evaluation API provides endpoints for creating and managing pre-loan requests and risk evaluation. This API is designed for partners who want to integrate banca.me's risk evaluation and loan processing capabilities into their applications.

Features​

  • Create and manage pre-loan requests
  • Risk evaluation and assessment
  • Real-time status updates
  • Comprehensive financial data analysis
  • Secure authentication and data handling

Base URL​

The base URL for all API requests is:

https://api.banca.me

Rate Limiting​

The API implements rate limiting to ensure fair usage:

  • 100 requests per minute per API key
  • Rate limit headers are included in responses
  • 429 status code is returned when limits are exceeded

Error Handling​

The API uses standard HTTP status codes and provides detailed error messages in the response body. Common error codes include:

  • 400: Bad Request
  • 401: Unauthorized
  • 403: Forbidden
  • 404: Not Found
  • 429: Too Many Requests
  • 500: Internal Server Error

Data formats​

The API accepts and returns data in the following formats:

  • Request: application/x-www-form-urlencoded
  • Response: application/json

Best practices​

  1. Error Handling:
  • Always implement proper error handling
  • Check HTTP status codes
  • Parse error messages from responses
  • Implement retry logic for temporary failures
  1. Rate Limiting:
  • Monitor rate limit headers
  • Implement exponential backoff for retries
  • Cache responses when appropriate
  1. Data Validation:
  • Validate all input data before sending
  • Check response data integrity
  • Handle missing or null values gracefully

Authentication​

Partner access token provided by banca.me

Security Scheme Type:

http

HTTP Authorization Scheme:

bearer