SSNIC / Qwihi

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.

  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"
}