Credit reportswithout forgeries
A borrower from a neighboring country uploads their credit bureau report via a link. The platform checks the bureau’s electronic signature, identity, government databases and sanctions, and sends an underwriting summary to your system within minutes.
- Kazakhstan
- Russia
- Kyrgyzstan
- Uzbekistan
- Mongolia
What the lender gets for every application
The full verification cycle in one application
Report authenticity, obligations breakdown, identity, government databases, sanctions and a final recommendation. Every check leaves evidence, so the decision can be explained to the risk committee and the regulator.
Bureau signature and QR code
Cryptographic verification of the signature against national certificate authorities and of the report QR code.
Three-way identity match
The applicant, the credit report subject and the KYC document must match by name, date of birth and identifier.
Bureau report parsing
A dedicated parser for each bureau, done in seconds. Obligations, delinquencies and per-currency totals in one schema.
Sanctions and PEP
OFAC, UN, EU and national lists of the borrower’s country.
Government data, 5 countries
Tax debts, enforcement proceedings, bankruptcy, wanted lists and travel bans.
A report anyone can verify
The QR code leads to a public verification page: without signing in, anyone can see that the report was issued by the platform and has not been altered.
Underwriting summary
PDF and JSON with a recommendation, risk and fraud flags, per-currency totals and a QR code for verification.
We verify the bureau signature, not the report image
A credit report PDF is easy to edit, and a forgery cannot be told apart by eye. So the platform checks what cannot be forged: the bureau’s electronic signature against the country’s government certificate authorities and the report’s own QR code.
How signature verification works- The signature is validated against the certificate chain as of the signing time, not as of today
- The signer is matched against the registered bureau: a third party’s signature does not count
- Root certificates are pinned, including the Bank of Russia certificate authority
- An edited PDF or a screenshot gets a separate flag, not a “clean” result
- An unknown certificate revocation status is treated as a warning, not a pass
How a check works
From an application in your system to a finished summary. Steps 3 and 4 run automatically, and a person steps in only where the platform cannot decide on its own.
- 01
Application
Your system creates a check via the API, or a staff member creates it in the app. The borrower receives a secure one-time link.
- 02
Borrower upload
On a portal under your brand, the borrower gives consent, selects the report country, uploads the file and completes KYC on their phone.
- 03
Automated verification
Antivirus, report parsing, bureau signature, identity match, government databases, AML, risk and fraud flags.
- 04
Result
A summary with a recommendation arrives by webhook in JSON and PDF. A disputed application goes to the manual review queue.
Who it is for
For lenders who lend to citizens of neighboring countries and cannot get their credit history directly from a foreign bureau.
Decision support, not a decision made for you
The platform gathers verified facts and explains where each flag comes from. The credit decision stays with your risk management.
Does
- Verifies credit report authenticity and shows the evidence
- Breaks down obligations, delinquencies and debt burden
- Checks identity, government databases and sanctions lists
- Gives a recommendation and clearly marks what could not be verified
Does not
- Does not issue loans or make decisions automatically
- Does not replace a credit bureau or sell credit histories
- Does not treat a scan or photo of a report as a proven original
- Does not report a check that was not run as a clean result
Five countries, one data schema
Reports from different bureaus are mapped to a single schema: amounts in the national currency, delinquency ranges, government databases and sanctions lists of each country.
Fits into your lending pipeline
REST API with the version in the path, HMAC-signed webhooks and an idempotency key for application creation. Connects to a core banking system, loan origination system or CRM with no changes to your process.
- API key with access rights or OAuth2 client credentials
- Repeating a request with the same Idempotency-Key does not create a duplicate
- Webhooks are signed with HMAC-SHA256 and retried on failure
- Error messages in six languages
POST /api/v1/verification-cases
X-API-Key: vk_live_…
VeriCore-Organization-Id: 7c1f…
Idempotency-Key: 5b0e8f2a-…
{
"externalReferenceId": "LOAN-2026-104233",
"applicantType": "Individual",
"applicantCountryCode": "UZ",
"reportCountryCode": "UZ"
}Borrowers can get a report themselves
A person signs in with A3.ID, uploads reports from their bureaus and pays for a single check without a subscription. They show the finished consolidated PDF with a QR code to any lender, who verifies its authenticity by the code.
Get your own report- 01Sign-in with A3.ID, the same account as in other A3 products
- 02Payment for a single report from the A3.ID wallet
- 03A consolidated PDF with a QR code, a password and the option to revoke access
Works with A3 products
The verified summary moves further along the lender’s process: into loan origination, insurance, counterparty checks and contract signing.
- A3.MFOThe verified borrower summary goes straight into loan origination in A3.MFO.
- A3.BankA nonresident’s foreign credit history enters the A3.Bank lending pipeline.
- A3.InsuranceVerified identity and debt burden for borrower insurance in A3.Insurance.
- A3.TrustCounterparty and company reliability checks for business borrowers in A3.Trust.
- A3.EDMThe loan contract is signed with an electronic signature and sent to the borrower via A3.EDM.
Start with a free sandbox
A sandbox with test checks for a pilot, then a subscription based on the number of checks per month. For banks, a dedicated installation and deployment in your own infrastructure.
Shall we run a check on your report?
Send an anonymized sample report from the country you need: we will break it down in a demo and show the flags, the summary and the connection to your system.