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Gradexa
Developers

Build on the Credit Engine.

A clean REST API that turns an application and a bureau report into a graded, priced, explainable decision. Authenticate, POST a decision, read the reasons. Here's everything you need to make the first call.

Full API docsPostman collection

Docs and Postman links point to your onboarding workspace — the endpoints below reflect the engine's current shape.

Quickstart

One call to a decision.

Set your API key and POST an application with its bureau report. The response carries the grade, the priced offer, and the full explanation.

curl — POST /v1/decisions
curl -X POST https://engine.gradexa.in/v1/decisions \
  -H "Authorization: Bearer $GRADEXA_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "applicant": { "id": "APP-1001", "monthly_income": 65000, "foir": 0.38 },
    "bureau_report": {
      "score": 742,
      "enquiries_6m": 2,
      "active_tradelines": 4,
      "max_dpd_12m": 15
    },
    "product": "personal_short_term"
  }'
200 OK — decision
{
  "decision_id": "dec_9f2c...",
  "status": "APPROVED",
  "grade": "B2",
  "offer": { "apr": 18.5, "limit": 180000, "tenor_months": 12 },
  "explanation": {
    "fired_rules": [
      { "id": "KO_MIN_SCORE", "result": "pass" },
      { "id": "PR_DPD_PENALTY", "result": "applied", "delta": -22 }
    ],
    "score_contributions": [
      { "factor": "bureau_score", "points": 48 },
      { "factor": "dpd_history", "points": -22 }
    ],
    "final_score": 671
  }
}
Auth model

Bearer tokens, scoped per tenant.

Authentication is a bearer API key issued to your tenant. Keys are environment-scoped (sandbox / live) and never cross tenant boundaries.

Tenant-scoped keys

Each key belongs to one tenant. Requests only ever see that tenant's policies and data.

Bearer header

Send Authorization: Bearer <key> on every request over HTTPS. No key in the URL.

Sandbox & live

Separate sandbox and live keys. Build against sandbox, flip to live on onboarding.

auth
export GRADEXA_API_KEY="sk_sandbox_..."   # issued to your tenant
# then call any endpoint with:
#   -H "Authorization: Bearer $GRADEXA_API_KEY"
Endpoints

The core surface.

A small, predictable set. Full request/response schemas live in the API docs and the Postman collection.

POST/v1/decisionsSubmit an application + bureau report; get a graded, priced, explained decision.
GET/v1/decisions/{id}Retrieve a prior decision and its full explanation.
POST/v1/eligibilityRun only the Stage-1 eligibility knockouts.
GET/v1/policiesList configured policies (knockouts, pricing bands).
POST/v1/bureau/pullTrigger a bureau pull via a configured adapter. Enabled on onboarding.
GET/v1/healthService health and version.

Endpoint paths are illustrative of the current API shape and are finalized in your onboarding docs. Bureau-pull requires a configured adapter.

Full API reference

Every endpoint, schema, and error.

Postman collection

Import and call the API in minutes.

Next step

Want sandbox keys?

Request a demo and we'll get you a sandbox key and the Postman collection so you can make a real decision call.

Request a demo Read developer docs