SNIC

Architectural Flow

An 8-stage pipeline from raw submissions to trusted credit insight

Each stage is observable, auditable and built to scale with the volume of an entire national financial system.

End-to-end credit data pipeline
8-stage pipeline
Submission · Validation · Identity · Scoring · Inquiry
  1. 01

    Institutions

    Banks, lenders and financial entities feed the system.

  2. 02

    API / Portal / Batch

    Submit via REST, web upload or scheduled batch jobs.

  3. 03

    Data Collection

    Aggregated POSTs and standardized XLSX templates.

  4. 04

    Validation & Standardization

    Structural, semantic and consistency checks.

  5. 05

    Identity Resolution

    Exact + probabilistic matching with confidence score.

  6. 06

    Credit Data Core

    Consolidated, deduplicated and version-tracked profiles.

  7. 07

    Scoring

    Monthly batch + event-triggered recalculation.

  8. 08

    Query API / Reports

    Authorized inquiries, dashboards and regulatory reports.

Operational Intake

Submission, validation, atomic feedback

Institutions submit data via aggregated POSTs or XLSX uploads. The system performs structural, semantic and consistency validation - then returns a detailed response with row-specific errors.

POST
Upload XLSX
Multi-layer Validation
Atomic Feedback
POST /api/v1/accounts
{
  "institution_id": "AB-001",
  "submitted_at": "2025-12-10T08:14:00Z",
  "records": [
    {
      "national_id": "88127636",
      "account_id": "ACC-1001",
      "type": "loan",
      "balance": 45200.00,
      "status": "active"
    }
  ]
}

→ 200 OK
{
  "accepted": 1, "rejected": 0,
  "trace_id": "snic_7f3...e1"
}