Reliability Credential

Generate payment reliability credentials based on a user's payment history. Credentials can be shared with landlords, lenders, and service providers as proof of payment reliability.

/api/v1/credential

Endpoints

POST

/api/v1/credential/generateSoon

Generate a new reliability credential

GET

/api/v1/credential/{credential_id}/verifySoon

Verify a credential's authenticity

GET

/api/v1/credential/{credential_id}/exportSoon

Export credential as PDF or JSON

Parameters

Parameter	Type	Required	Description
user_id	string	Required	User identifier
scope	array	Optional	Payment categories to include (default: all)
period_months	integer	Optional	Lookback period in months (default: 12, max: 36)

Example

Request

http

POST /api/v1/credential/generate HTTP/1.1
Host: api.tpay365.com
Authorization: Bearer sk_live_abc123
Content-Type: application/json

{
  "user_id": "usr_8821-9920",
  "scope": ["rent", "utilities", "subscriptions"],
  "period_months": 12
}

Response

json

{
  "credential_id": "cred_xyz789",
  "user_id": "usr_8821-9920",
  "reliability_score": 94,
  "on_time_rate": "0.97",
  "total_payments": 144,
  "missed_payments": 4,
  "period": "2025-02-10 to 2026-02-10",
  "issued_at": "2026-02-10T14:30:00Z",
  "expires_at": "2026-08-10T14:30:00Z"
}