# Nova Credit

> Nova Credit is a fintech consumer-credit-data platform that provides a single
> API surface to access unified consumer credit data from multiple sources —
> international credit bureaus, bank-transaction aggregators, payroll systems,
> and automated document data (26+ data sources). Its products let lenders and
> financial institutions underwrite newcomers and thin-file applicants, verify
> income, and assess affordability.

## Products
- [Credit Passport](https://www.novacredit.com/credit-passport): Approve qualified newcomers using translated international credit data (API v4).
- [Cash Atlas](https://www.novacredit.com/cash-atlas): Bank-transaction-based cashflow underwriting (API v2).
- [Income Navigator](https://www.novacredit.com/income-navigator): Automated income verification with fraud detection (API v2).
- [Eligibility Compass](https://www.novacredit.com/eligibility-compass): Income and asset verification for affordable housing (API v1).
- [Platform](https://www.novacredit.com/platform): Unified infrastructure across all products.

## APIs
- Production base URL: https://api.novacredit.com
- Sandbox base URL: https://api.sandbox.novacredit.com
- Auth: HTTP Basic (clientId:secretKey) to mint a 5-minute Bearer accessToken; report payloads are JWE (RSA-OAEP-256) encrypted.
- JWKS: https://api.novacredit.com/connect/jwkset
- Webhooks: status callbacks POST a report publicToken to your endpoint.

## Docs
- [Developer Docs](https://docs.novacredit.com)
- [Credit Passport Quickstart](https://docs.novacredit.com/credit-passport-quickstart)
- [Credit Passport v4 Reference](https://docs.novacredit.com/credit-passport/v4)
- [Cash Atlas v2](https://docs.novacredit.com/cash-atlas/v2)
- [Income Navigator v2](https://docs.novacredit.com/income-navigator/v2)
- [Eligibility Compass v1](https://docs.novacredit.com/affordable-housing/v1)
- [Multi-Product Token](https://docs.novacredit.com/multi-product-token)
- [SCIM](https://docs.novacredit.com/scim)
- [SSO](https://docs.novacredit.com/sso)

## Repo artifacts (API Evangelist)
- Authentication: authentication/nova-credit-authentication.yml
- Conventions: conventions/nova-credit-conventions.yml
- Error codes: errors/nova-credit-error-codes.yml
- Lifecycle: lifecycle/nova-credit-lifecycle.yml
- Sandbox: sandbox/nova-credit-sandbox.yml
- Webhooks: asyncapi/nova-credit-webhooks.yml
- Conformance: conformance/nova-credit-conformance.yml
- Components: components/nova-credit-components.yml
- Data model: data-model/nova-credit-data-model.yml
- MCP (candidate): mcp/nova-credit-mcp.yml
- Domain security: security/nova-credit-domain-security.yml
- Trust center: security/nova-credit-trust-center.yml

## Support
- [Help Center](https://novacreditsupport.zendesk.com/hc/en-us)
- [Contact](https://www.novacredit.com/contact)
- [Blog](https://www.novacredit.com/corporate-blog)