The National Credit Information System
SNIC centralizes and standardizes credit data from every financial institution — enabling a comprehensive, real-time view of each individual's credit behavior.
- 100%
- Data Coverage
- 1:1
- Profile Match
- 360°
- Tradeline View
What is SNIC
Centralized Verification Platform
Four foundational pillars that make a national credit ecosystem possible.
100% Data Collection
Integrate banks, financial institutions and lending entities into one system.
1:1 Profile Consolidation
Unify records into a single credit profile per individual or legal entity.
360° Tradelines
Each credit product recorded with its full historical evolution.
Score & Inquiries
Automated credit scores with authorized real-time inquiry management.
Flexible Ingestion
Three modes. One pipeline.
Choose how each institution feeds the system — from heavy nightly batches to event-driven real-time streams.
Batch
Default mode. Scheduled processing of large volumes with configurable frequency.
Events
Near real-time. Immediate updates for critical data with configurable SLAs.
Hybrid
Combination of batch and event processing for maximum flexibility.
A trusted credit ecosystem for your country
Built with audit trails, role-based access and OAuth2 — ready for regulators, banks, and analysts.