Ship in an afternoon.

# Credit score, routed automatically
curl https://noculto.com/api/v1/credit/score \
  -H "Authorization: Bearer sk_live_…" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: 7d2f…" \
  -d '{
    "source": "auto",
    "identifier": { "type": "ghana_card", "value": "GHA-000000000-2" },
    "purpose": "PERSONAL_LOAN",
    "consentReference": "cons_8f2a"
  }'

// Node 18+, no SDK needed
const res = await fetch("https://noculto.com/api/v1/credit/score", {
  method: "POST",
  headers: {
    "Authorization": "Bearer " + process.env.NOCULTO_API_KEY,
    "Content-Type": "application/json",
    "Idempotency-Key": crypto.randomUUID(),
  },
  body: JSON.stringify({
    source: "auto",
    identifier: { type: "ghana_card", value: "GHA-000000000-2" },
    purpose: "PERSONAL_LOAN",
    consentReference: "cons_8f2a",
  }),
});
console.log(await res.json());

import os, uuid, requests

res = requests.post(
    "https://noculto.com/api/v1/credit/score",
    headers={
        "Authorization": f"Bearer {os.environ['NOCULTO_API_KEY']}",
        "Idempotency-Key": str(uuid.uuid4()),
    },
    json={
        "source": "auto",
        "identifier": {"type": "ghana_card", "value": "GHA-000000000-2"},
        "purpose": "PERSONAL_LOAN",
        "consentReference": "cons_8f2a",
    },
)
print(res.json())

{
  "score": 682, "min": 300, "max": 850,
  "band": "VERY_GOOD",
  "meta": { "source": "credit_bureau", "sourceRequestId": "req_91ab", "asOf": "2026-08-24" }
}