# Oper Credits

> Oper Credits is a Belgian digital mortgage origination platform (Brussels, founded 2019) that lets banks, lenders, and brokers offer and process end-to-end digital mortgages. The white-labelled, multi-tenant Oper Connect platform exposes a JWT-authenticated REST API organized around the loan request as the central object, plus a loan-request webhook surface and an AI underwriting agent ("Herman").

## APIs

- [Oper Mortgage API (core)](https://developers.opercredits.com/#/api): JWT-bearer REST API; loan requests and all nested resources (clients, realties, offers, documents, guarantees, decisions).
- [Oper resources API](https://developers.opercredits.com/#/api/resources): reference/lookup collections backing the mortgage domain.
- [Loan Request Webhook API](https://developers.opercredits.com/#/webhook): outbound webhook payload contract (versions 1.0-1.4).

## Specs

- openapi/oper-credits-api-openapi.json — core API (OpenAPI 3.0.3, 286 paths)
- openapi/oper-credits-resources-openapi.json — resources API (OpenAPI 3.0.3, 332 paths)
- openapi/oper-credits-metrics-openapi.json — metrics API (OpenAPI 3.0.3)
- openapi/oper-credits-loan-request-webhook-openapi.json — webhook payload (OpenAPI 3.1.0)

## Docs

- [Developer hub (Oper Connect Documentation)](https://developers.opercredits.com/)
- [Website](https://www.opercredits.com/)
- [Blog](https://www.opercredits.com/blog)
- [Legal hub](https://www.opercredits.com/legal)
- [Privacy policy](https://www.opercredits.com/privacy-policy)
- [Terms of use](https://www.opercredits.com/terms-of-use)
- [Compliance (ISO 27001, GDPR)](https://www.opercredits.com/compliance)
- [Reporting a security issue](https://www.opercredits.com/reporting-a-security-issue)

## Artifacts

- authentication/oper-credits-authentication.yml — JWT bearer auth profile
- conventions/oper-credits-conventions.yml — pagination, versioning, error envelope
- errors/oper-credits-problem-types.yml — error catalog
- data-model/oper-credits-data-model.yml — loan-request entity graph
- lifecycle/oper-credits-lifecycle.yml — versioning + retention
- conformance/oper-credits-conformance.yml — standards + compliance
- security/oper-credits-vulnerability-disclosure.yml — responsible disclosure
- security/oper-credits-trust-center.yml — ISO 27001 / GDPR
- skills/ — packaged agent skills for the origination flow