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Hero Light At Sapphire Credit, our mission is to empower individuals and businesses in emerging markets by providing fast, accessible, and reliable credit solutions — from device financing to personal and business loans. We remove the traditional barriers to credit with a platform built for speed, simplicity, and security. Whether you’re financing a new device or accessing working capital, Sapphire Credit helps you move forward — with confidence.

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What You Can Build

Use our APIs to:
  • Apply for and manage device financing
  • Process loan applications and check eligibility
  • Handle repayments and schedules
  • Access real-time customer credit status
  • Integrate identity verification & scoring tools

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Why Use Sapphire Credit’s API?

  • Fast Approvals: Minimal delay between request and decision
  • Developer Friendly: Clear API structure with RESTful endpoints
  • Secure by Default: We follow best-in-class authentication and data security practices
  • Built to Scale: Our APIs are designed for both startups and large-scale platforms

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SDKs and Libraries

We offer SDKs and packages to get you started quickly:
  • Node.js SDK (coming soon)
  • Sapphire Credit CLI (coming soon)
  • Postman Collections
  • OpenAPI/Swagger docs
You can explore the API directly or use these tools to simplify integration.

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Environments

We offer both test and live environments:
  • Test Environment: Simulate requests with test keys (no real data or charges)
  • Live Environment: Fully functional with real customers, devices, and disbursements
Switching environments is as easy as changing your API keys.

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Authentication

Authentication is handled using API keys, which come in three levels:
  • App Key – Used internally within Sapphire projects
  • Public Key – Safe for client-side use, with limited privileges
  • Secret Key – Full-access key for backend use only (keep this secure)
Visit the API Keys section for full details.

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Network Status

You can always check our live network health at: status.sapphirecredits.com
Staying informed through our network status page ensures you’re aware of any potential disruptions or planned maintenance that may impact your integration.
Network Status

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Security & Compliance

We take data protection seriously:
  • All data is encrypted in transit and at rest
  • API access is governed by token-based authentication
  • Customer data is only accessed with appropriate authorization
  • Compliant with industry standards and local regulations

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Quick Summary

Each section of the documentation concludes with a quick summary to provide a concise overview of the key points discussed.

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Support

Need help? Reach out anytime:

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Next Steps