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DurujScore
Financial Decision Infrastructure
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Financial Institution API Standard

Secure APIs for verification, assessment, policy, decisions, and monitoring.

Duruj provides APIs for borrower verification, income analysis, credit assessment, fraud monitoring, policy configuration, portfolio tracking, outcome reporting, and consent management. Your credit policy, your risk appetite, your final decision.

Production: https://api.duruj.io/api/v1Sandbox: https://sandbox.api.duruj.io/api/v1
API group

Authentication

  • POST /auth/token
  • POST /auth/refresh
  • POST /auth/revoke
  • GET /auth/me
API group

Institution Setup

  • POST /institutions
  • GET /institutions/{institution_id}
  • PATCH /institutions/{institution_id}
  • GET /institutions/{institution_id}/branches
  • POST /institutions/{institution_id}/branches
  • GET /institutions/{institution_id}/users
  • POST /institutions/{institution_id}/users
API group

Borrowers

  • POST /borrowers
  • GET /borrowers/{borrower_id}
  • PATCH /borrowers/{borrower_id}
  • GET /borrowers/search
  • GET /borrowers/{borrower_id}/profile
  • GET /borrowers/{borrower_id}/documents
  • POST /borrowers/{borrower_id}/documents
API group

Fraud & Identity Risk

  • POST /identity/verify
  • GET /identity/verifications/{verification_id}
  • POST /identity/documents/verify
  • POST /identity/face-match
  • POST /identity/phone/verify
  • GET /identity/{borrower_id}/status
API group

Consent

  • POST /consents
  • GET /consents/{consent_id}
  • GET /borrowers/{borrower_id}/consents
  • POST /consents/{consent_id}/revoke
  • POST /consents/{consent_id}/renew
API group

Credit Policy

  • POST /policies
  • GET /policies
  • GET /policies/{policy_id}
  • PATCH /policies/{policy_id}
  • POST /policies/{policy_id}/versions
  • POST /policies/{policy_id}/publish
  • POST /policies/{policy_id}/rollback
  • GET /policies/{policy_id}/audit-log
API group

Credit Parameters

  • GET /parameters
  • POST /policies/{policy_id}/parameters
  • PATCH /policies/{policy_id}/parameters/{parameter_id}
  • DELETE /policies/{policy_id}/parameters/{parameter_id}
API group

Decision Rules

  • POST /policies/{policy_id}/rules
  • GET /policies/{policy_id}/rules
  • PATCH /policies/{policy_id}/rules/{rule_id}
  • DELETE /policies/{policy_id}/rules/{rule_id}
API group

Borrower Intelligence

  • POST /income/analyze
  • GET /income/reports/{income_report_id}
  • POST /income/bank-statement/upload
  • POST /income/mobile-money/upload
  • GET /borrowers/{borrower_id}/income-summary
API group

Credit Assessment

  • POST /credit/assess
  • GET /credit/assessments/{assessment_id}
  • GET /borrowers/{borrower_id}/credit-profile
  • GET /borrowers/{borrower_id}/credit-history
API group

Fraud Monitoring

  • POST /fraud/check
  • GET /fraud/checks/{fraud_check_id}
  • GET /borrowers/{borrower_id}/fraud-alerts
  • POST /fraud/alerts/{alert_id}/resolve
API group

Decisions

  • POST /decisions
  • GET /decisions/{decision_id}
  • POST /decisions/{decision_id}/approve
  • POST /decisions/{decision_id}/decline
  • POST /decisions/{decision_id}/review
  • GET /borrowers/{borrower_id}/decisions
API group

Portfolio Monitoring

  • GET /portfolio/summary
  • GET /portfolio/risk-bands
  • GET /portfolio/default-trends
  • GET /portfolio/branch-performance
  • GET /portfolio/product-performance
  • GET /portfolio/early-warning
API group

Outcomes

  • POST /outcomes
  • POST /outcomes/bulk
  • GET /outcomes/{outcome_id}
  • GET /borrowers/{borrower_id}/outcomes
API group

Borrower Passport

  • POST /passport/profiles
  • GET /passport/profiles/{passport_id}
  • GET /passport/profiles/{passport_id}/readiness
  • GET /passport/profiles/{passport_id}/sharing
  • POST /passport/profiles/{passport_id}/share
  • POST /passport/profiles/{passport_id}/revoke-share
  • GET /passport/profiles/{passport_id}/documents
  • POST /passport/profiles/{passport_id}/documents
API group

Webhooks

  • POST /webhooks/endpoints
  • GET /webhooks/endpoints
  • DELETE /webhooks/endpoints/{endpoint_id}
  • GET /webhooks/events
  • POST /webhooks/test
API group

Audit

  • GET /audit/events
  • GET /audit/events/{event_id}
  • GET /audit/borrowers/{borrower_id}
  • GET /audit/policies/{policy_id}
  • GET /audit/decisions/{decision_id}
API group

Reports

  • GET /reports/credit-assessments
  • GET /reports/portfolio
  • GET /reports/fraud
  • GET /reports/consent
  • GET /reports/outcomes
  • GET /reports/compliance
Standard response
{
  "success": true,
  "request_id": "req_123",
  "data": {},
  "error": null
}

Every action should be auditable with institution, branch, policy version, model version, consent ID, decision ID, IP address, and request ID.