将 Credit Karma 的账户连接、信用监控与产品推荐能力安全接入您的系统 — 合规、可交付的 API 源码与文档。
支持账户连接（聚合）、信用评分与变动告警、贷款/保险/储蓄产品报价整合、以及账务与交易监控的可运行接口实现。
- 用户授权后聚合银行与信用账户交易；
- 监听信用分变动并触发告警（短信/邮件/Webhook）；
- 聚合第三方贷款/保险报价并计算 Approval Odds；
- 导出月度支出报表并生成财务洞察。
POST /api/v1/creditkarma/score
Content-Type: application/json
Authorization: Bearer <CLIENT_TOKEN>
{
'user_id': 'uid_12345',
'source': 'transunion',
'include_history': true
}
Response: {
'status': 'OK',
'score': 712,
'score_change': -3,
'factors': [ 'utilization: high', 'recent_inquiry: 1' ],
'last_updated': '2025-10-18T08:30:00Z'
}
我们只在客户获得明确用户授权或通过第三方许可数据源的前提下进行集成工作，交付包括审计日志、同意记录与最小化数据保留策略建议。
GET /api/v1/accounts?user_id=uid_12345 GET /api/v1/transactions?account_id=acc_987&from=2025-09-01&to=2025-09-30 POST /api/v1/credit/alerts (接收并注册 webhook) POST /api/v1/offers/compare (合并第三方报价并返回 Approval Odds)
我们是一家专注于 App 接口集成与授权 API 实现的技术工作室。核心成员具备多年移动端与金融科技（OpenFinance / OpenBanking）经验，擅长协议分析、接口重构与合规交付。
CONNECT YOUR ACCOUNTS FOR FINANCIAL INSIGHTS - Track your monthly spending - Monitor transactions - Look out for ATM fees, late payments and more GET TO KNOW YOUR CREDIT - Get alerts when credit scores change - Learn what affects your scores and how to build credit EXPLORE YOUR OFFERS - Compare offers and apply with more confidence:† - Loan amounts - Rates you could be approved for STAY INFORMED Be alerted of changes and opportunities. - Credit score changes - Identity monitoring - Rate monitoring—we’ll let you know if we see better interest rates BANK ONLINE Open Credit Karma Money Spend and Save accounts*** from the app. FIND COMPETITIVE CAR INSURANCE OPTIONS - Compare options to see if you could save - You may unlock a discount on a new policy if you’re a good driver DISCLOSURES *Credit Builder plan requires you to open a line of credit and a Credit Builder savings account, both banking services provided by Cross River Bank, Member FDIC. Credit Builder savings account is a deposit product, insured up to $250,000. Credit Builder is serviced by Credit Karma Credit Builder. Members with a TransUnion credit score of 619 or below at time of application may be prompted to apply for Credit Builder. **From June 2024 to Nov 2024, members with a TU credit score of 619 or below who opened a plan and had it reported on their TU report saw an average score increase of 17 points in 3 days of activation. Late payments and other factors can negatively impact your score. ***Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Screens simulated. For display only. Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at https://www.creditkarma.com/about/loan-licenses | CA loans arranged pursuant to a CA Financing Law license. Insurance services offered through Karma Insurance Services, LLC. CA resident license #0172748 Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID#1588622 ELIGIBILITY AND ADDITIONAL DETAILS; PERSONAL LOAN INTEREST RATES AND FEES. You can see personal loan offers on the Credit Karma personal loan marketplace from third party advertisers from which Credit Karma receives compensation. The offers you see on this page have rates that range from 5.39% APR to 35.99% APR with terms from 1 to 10 years. Rates are subject to change without notice and are controlled by our third party advertisers, not Credit Karma. Depending on the particular lender, other fees may apply, such as origination fees or late payment fees. See the particular lender's terms and conditions for additional details. All loan offers on Credit Karma require your application and approval by the lender. You may not qualify for a personal loan at all or you may not qualify for the lowest rates or the highest offer amounts. PERSONAL LOAN REPAYMENT EXAMPLE. The following example assumes a $15,000 personal loan with a four year (48 month) term. For APRs ranging from 5.39% to 35.99%, monthly payments would range from $348 to $594. Assuming all of the 48 payments are made on-time, the total amount paid would range from $16,709 to $28,492. †Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the personal loan, or whether you meet certain criteria determined by the lender. Of course, there's no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don't meet the lender's "ability to pay standard" after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.