Bundle 1

Overview

Bundle 1 is Kamoa's advanced credit-assessment product that fuses traditional credit-bureau information with rich alternative-data signals. It is purpose-built to score individuals that have limited or "thin" files in conventional bureaus by analysing behavioural and financial patterns already stored in the Kamoa data lake.

Key Features

• ⚡ Enhanced Credit Scoring – Combines bureau and alternative data for higher accuracy
• 📈 Thin-File Coverage – Scores applicants with limited traditional history
• 🕒 No Real-Time PDF Needed – Leverages historical statements in Kamoa's data lake
• 🔍 Comprehensive Risk View – Merges behavioural and financial indicators
• 🚀 Seamless Integration – Same Results API used across all score products

Input Requirements

Field	Type	Description
nationalId	String	Government-issued identification number
firstName	String	Customer's legal first name
lastName	String	Customer's legal surname

Note: Although a real-time statement PDF is not required, the model benefits from historical statements already stored in Kamoa.

Endpoint

GET https://api.kamoa.io/score/results/{requestId}

Example Request

curl -X GET "https://api.kamoa.io/score/results/c2a315ac-ed11-4462-bb78-24c5fa9d480d" \
  -H "Authorization: YOUR_AUTH_TOKEN" \
  -H "Content-Type: application/json"

Request Details

Component	Value
Base URL	https://api.kamoa.io
Endpoint	/score/results/{requestId}
Method	GET
Path Parameter	requestId – UUID returned on submit

Required Headers

Header	Value	Description
Authorization	{token}	token for authentication
Content-Type	application/json	Request content type

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Response Structure

The API returns a concise JSON payload containing:

• Bundle 1 – Comprehensive numerical credit score.
• CIK Report – Raw CIK report string.

Root Response

{
  "score": 673,
  "cikReport": "{...}",
  "requestId": "f12bb568-1764-4867-ad44-84c7fa9d40ef",
  "productCode": "P7"
}

Error Handling

Success Response

{
  "status": "success",
  "code": 200,
  "data": { ... }
}

Error Response Format

{
  "status": "error",
  "code": 400,
  "message": "Error description",
  "details": "Additional error context"
}

Common Error Codes

Code	Description
400	Invalid request format or missing parameters
401	Authentication required
403	Insufficient permissions
404	Resource not found
500	Internal server error

---

Usage Example

const response = await fetch("/score/results/${requestId}", {
  headers: {
    Authorization: `${authToken}`,
  },
});

const result = await response.json();
const boostedScore = result.score;
const cikReport = result.cikReport;