The APC score, clear and traceable, in seconds.
Web portal and app for credit analysts: APC score lookups in seconds, a visual report, risk alerts and an immutable audit log, with Panama's Law 81 of 2019 built into the design.
Status: In production
Verifiable facts
- 70–965
- APC score scale shown in the report
- ~2,800
- automated tests
- 92–96%
- backend line coverage
- 5years
- retention with automatic purge
What it does
A lender needed its analysts to look up APC credit history and make a fast decision without losing traceability. The analyst enters the ID type and number and gets the score with a report that reads at a glance.
Privacy is designed in: IDs encrypted at rest, masked across the interface, logs without personal data and automatic retention purges. Every lookup requires consent and lands in an audit log that can't be edited.
Who it's for
Credit teams at a lending company in Panama. An internal deployment, not SaaS.
Capabilities
- 01
Instant lookup
By national ID, RUC or passport, with format validation and normalization.
- 02
Mandatory consent
HTTP 422
Without the consent checkbox the API refuses the lookup.
- 03
Visual report
Score gauge, probability of default explained in plain language, total debt, past-due balance and credit age.
- 04
Account-level detail
24 months
Traffic-light table of active accounts with a 24-month payment history and balance by product type.
- 05
Risk alerts
3 levels
Critical, warning and info levels; deceased and ID-mismatch alerts always come first.
- 06
Admin dashboard
Success rate, response time, distribution by score band, lookups per day and Excel and PDF export.
- 07
Immutable audit log
Every login, lookup, export and admin action is recorded and can't be edited.
- 08
Hardened security
ASVS L1
A control-by-control OWASP ASVS Level 1 review, CSP without unsafe-inline, token theft detection and per-user rate limits.
Inside the app
