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RiderScore
PlatformSolutionsAPI DocsPricingCompany
Launching across East Africa

The Credit & Integrity Infrastructure for Africa's Riders.

RiderScore enables banks, lenders, insurers and fleet operators to instantly evaluate rider identity, creditworthiness and integrity — via a single API.

JM

James Mutua

Verified Rider · Nairobi, KE

Active
Identity Verified · NTSA + National ID
782
RiderScore™
RiderScore™
A+
Risk Tier
Low
Identity
Verified
Tenure
4.2 yrs
Repayment Behaviour94%
Fraud & Adverse Flags8%
Mobility Consistency82%
Peer & Operator Integrity88%
Earnings Stability76%
Underwriting Decision
APPROVE
Recommended Limit
KES 75,000
Suggested APR
14.5%
Default Probability
2.1%
Model Confidence
96%

Decision generated by RiderScore Underwriting Engine v3.2 · policy: LEND-KE-DEFAULT

Instant Lookup · sub-second response
Trusted by
  • Jumia Kenya
  • Inua Rider
  • NTSA
  • 15 Minutes Logistics
  • Stanbic Bank

Solutions

Built for every institution in the mobility economy

One platform, purpose-built for every stakeholder that interacts with Africa's riders.

Banks & Digital Lenders

Underwrite rider credit applications with real-time repayment history and financial behaviour in seconds — not weeks.

  • RiderScore™
  • Repayment History
  • Risk Grade

Insurance Companies

Underwrite motorcycle insurance with verified data. Segment riders by actual risk profile, not assumptions.

  • Risk Score
  • Incident History
  • Fraud Flags

Fleet Operators

Vet riders before onboarding. Monitor integrity over time. Protect your fleet assets with confidence.

  • Identity
  • Employment Record
  • Integrity Score

Government & Regulators

Access aggregate anonymised industry insights to support policy, safety standards and enforce standards at scale.

  • Compliance
  • Licensing
  • Aggregate Reports

Employers & SACCOs

Screen rider candidates with verified employment history, income stability and peer reviews.

  • Employment History
  • Peer Score
  • Stability

Microfinance Institutions

Extend credit to informal rider segments with confidence — data-driven risk assessment, not guesswork.

  • Alternative Credit
  • Behavioural Score
  • Social Proof

API Platform

One API. Complete rider intelligence.

A single integration gives you access to every data signal across the rider's financial and professional life.

  1. 01

    Identity Verification

    Real-time identity document verification against ID databases, NTSA records and biometrics for KYC compliance.

    /v1/riders/{id}/identity
  2. 02

    RiderScore™ Lookup

    A rider's full RiderScore™ built from repayment data, loan history and financial behaviour signals.

    /v1/riders/{id}/score
  3. 03

    Fraud & Risk Flags

    Detect fraud patterns, blacklist matches and known adverse signals before extending capital.

    /v1/riders/{id}/risk
  4. 04

    Employment & Integrity

    Verify employment history, platform tenure, peer reviews and operator-reported integrity scores.

    /v1/riders/{id}/employment
  5. 05

    Geo & Mobility Data

    Understand rider active zones, trip frequency and movement consistency to inform risk models.

    /v1/riders/{id}/mobility

Interactive Playground

Try the API without writing a line of code

Pick an endpoint, edit the rider ID and inspect a live sample response. Every response mirrors the exact shape you'll receive in production.

Endpoint

GEThttps://api.riderscore.africa/v1/riders/rdr_01HXJ4Q9NTSA/score
200 OK
{
  "rider_id": "rdr_01HXJ4Q9NTSA",
  "rider_score": 782,
  "grade": "A+",
  "risk_tier": "low",
  "default_probability": 0.021,
  "model_version": "riderscore-3.2"
}
curl -H "Authorization: Bearer $RIDERSCORE_KEY" https://api.riderscore.africa/v1/riders/rdr_01HXJ4Q9NTSA/score

Security & Compliance

Enterprise-grade by default

RiderScore is built for regulated financial institutions. Security, privacy and auditability are foundational — not add-ons.

Encryption in Transit & at Rest

All API traffic is served over TLS 1.3. Rider data is encrypted at rest with AES-256 and per-tenant key isolation.

Scoped API Keys & OAuth 2.0

Fine-grained scopes, per-key rate limits and short-lived OAuth tokens so integrations only see what they need.

Audit Trail on Every Lookup

Every rider query is logged with actor, purpose and consent basis — exportable for internal and regulator review.

Consent-First Data Sharing

Riders control which institutions see their profile. Consent grants are revocable and cryptographically signed.

Regional Data Residency

Data is processed and stored within Africa. Deploy in-country residency zones on request for regulated clients.

Aligned to DPA & GDPR

Built to the Kenya Data Protection Act 2019 and GDPR principles. SOC 2 Type II programme underway.

  • TLS 1.3
  • AES-256
  • OAuth 2.0
  • Kenya DPA 2019
  • GDPR-Aligned
  • SOC 2 (in progress)

Testimonials

Trusted by Africa's leading institutions

“RiderScore gives our credit team the confidence to underwrite rider loans with the same rigour we apply to salaried borrowers.”

CR

Head of Credit Risk

Tier-1 Digital Lender · Kenya

“Onboarding riders used to take days of manual verification. With RiderScore we get identity, employment and integrity signals in one call.”

CO

Chief Operating Officer

Last-Mile Logistics Operator

“The proprietary rider signals let us price motorcycle insurance on real behaviour instead of broad market assumptions.”

CA

Chief Actuary

Regional Insurance Group

Ready to power smarter decisions?

Start with a sandbox account. Access full API documentation. No commitment required.