> ## Documentation Index > Fetch the complete documentation index at: https://docs.cbpayapp.com/llms.txt > Use this file to discover all available pages before exploring further. # Create a credit report > Issues a new credit report for a subject (a person or a company), billed as a standalone fee (`risk_report_person` / `risk_report_company`) at the moment of issuance. Idempotency is mandatory: retrying with the same `idempotency_key` returns the original report with `idempotency_hit: true` and never charges twice. The report is computed synchronously: the response is usually the finished report (status `ready`) or a failed one (status `failed` with `error_code`/`error_message`). The `purpose` field is mandatory (data protection law) and `doc_id` is validated and normalized per country (e.g. Chilean RUT with check digit). ## OpenAPI ````yaml /openapi.yaml post /v1/qscore/reports openapi: 3.1.0 info: title: CBPay API version: '2.62' description: | CBPay is a multi-currency payment platform: fiat payouts and collections across Latin America, internal transfers, on-chain funding and withdrawals, and KYC screening. Every account holds four independent virtual balances — USDT (the operating currency), USDC, BTC and GOLD (grams of fine gold) — convertible on demand with swaps. Payouts and service fees can be paid from any of the four balances (`PUT /v1/settlement` or per-payout `settlement_asset`), and payins can auto-convert to the asset of your choice (`default_payin_asset`). All amounts are decimal strings in each currency's precision (6 decimals for USDT/USDC/GOLD, 8 for BTC). Errors always return `{"error": "", "message": ""}`. servers: - url: https://api.qbank.cl/platform description: Live (production, real money) - url: https://cryptobank.qbank.cl/platform description: Test (sandbox, simulated money — pk_test_ keys) security: - bearerAuth: [] tags: - name: Receipts description: >- Branded PDF receipt per operation, with a public signed-QR authenticity check, receipt_url on every response/webhook and automatic email delivery on final states. - name: Authentication description: Register and log in account members. Sessions last 24 hours. - name: Account description: Profile, members and API keys of the calling account. - name: Balances description: Balances, movement history and FX rates. - name: Payouts description: >- Fiat dispersals debited from the settlement balance of your choice (USDT by default). - name: Payins description: >- Fiat top-ups (QR, transfers, dedicated accounts, pull collections, cards, checkout links) credited automatically — in USDT by default, or auto-converted to the settlement asset of your choice. - name: Checkout description: >- Universal checkout links (`POST /v1/payins` with `method: "checkout"`) and the public payment-page endpoints — multi-country fiat, crypto with an ephemeral wallet per link and direct CBPay payment, settled in the asset of your choice. - name: Stored cards description: >- Cards saved with the payer's explicit consent during a 3-D Secure payment (COF). List, revoke and charge them on demand (MIT) without asking for the card again. - name: Subscriptions description: >- Recurring charges on a stored card managed by the platform scheduler — daily, weekly, monthly or yearly, with pause/resume/cancel and automatic dunning. - name: Transfers description: >- Free internal transfers between CBPay accounts (person or company, any combination). - name: Contacts description: >- Per-account address book of beneficiaries (CBPay, bank and crypto destinations) with phone matching and auto-save on every send. - name: Swaps description: >- Instant conversion between the account's USDT, USDC, BTC and GOLD balances at the account's quoted rate. - name: Crypto description: On-chain funding and withdrawals (TRON, Ethereum and Bitcoin). - name: Segregated wallets description: >- On-chain wallets with their own balance (companies unlimited; persons 1 per network+asset pair) — create, import, send, export the private key and auto-forward. The balance lives on-chain, never in the ledger. - name: Signature proofs description: >- Cryptographic message signing with wallets (EIP-191 ETH/EVM, TIP-191 TRON) — create, list, get and revoke signature proofs with public verification. - name: Wallet links description: >- Link external wallets (custody=client) to your account by signing a nonce challenge — create challenges, verify signatures, list and revoke links. - name: QR Crypto POS description: >- Amount-bearing crypto QR charges for processors with physical POS terminals (company accounts): verified merchants, exclusive address + QR per charge, early payment detection, per-merchant reconciliation and refunds over the crypto withdrawal rail. - name: KYC / KYB description: >- Identity verification: KYC for persons, KYB for companies — your own onboarding and third-party verifications for company accounts. - name: AML screening description: >- Standalone AML screening of persons and companies against sanctions, PEP and adverse media lists, with rescreening, continuous monitoring and a downloadable PDF report. - name: Wallet screening description: >- AML risk assessment of blockchain addresses (sanctions, illicit-fund exposure) with a per-scan fee, plus free automatic protection on withdrawals and deposits. - name: Qscore description: >- API-first credit bureau. Issues complete credit reports with a 1-999 score (bands A-E, or SC when there is no data), reads the latest score of a subject and manages ARCO disputes. Chile first, with a country-agnostic design. Every issued report carries a public verification code. - name: Analytics - name: Webhooks description: Subscriptions to receive signed event notifications. - name: Status description: Service availability. - name: Banking description: >- Real bank accounts: receive, hold and send money over international banking rails. - name: Cards description: >- Virtual and physical cards that spend Just-In-Time from the balance of your choice (USDT, USDC, BTC or GOLD), with per-card spending limits. - name: Security (OTP) description: >- One-time verification codes over SMS/WhatsApp/email protecting sensitive actions, plus self-service 2FA preferences. Applies to user sessions only — API keys are exempt. - name: Passkeys description: >- Passwordless sign-in with the device's biometrics (Face ID, Touch ID, Windows Hello, security keys) via WebAuthn, authenticator apps (TOTP) with backup codes, and session/device management. - name: Social login description: >- Passwordless sign up and sign in with Google, Apple, Microsoft and Facebook via token exchange. The front end obtains the provider credential; the API verifies it and issues the CBPay session. - name: Real-time events description: >- Server-Sent Events stream with everything that happens in the account (or across the organization for admins), replay with `Last-Event-ID`, optional initial snapshot and a 90-day queryable history. paths: /v1/qscore/reports: post: tags: - Qscore summary: Create a credit report description: >- Issues a new credit report for a subject (a person or a company), billed as a standalone fee (`risk_report_person` / `risk_report_company`) at the moment of issuance. Idempotency is mandatory: retrying with the same `idempotency_key` returns the original report with `idempotency_hit: true` and never charges twice. The report is computed synchronously: the response is usually the finished report (status `ready`) or a failed one (status `failed` with `error_code`/`error_message`). The `purpose` field is mandatory (data protection law) and `doc_id` is validated and normalized per country (e.g. Chilean RUT with check digit). operationId: createQscoreReport requestBody: required: true content: application/json: examples: person: summary: Person report (Chilean RUT) value: doc_id: 12.345.678-5 country: CL subject_type: person purpose: credit_evaluation lang: es idempotency_key: qscore-9f2b8d11 company: summary: Company report (Chilean company RUT) value: doc_id: 76.543.210-3 country: CL subject_type: company purpose: supplier_onboarding lang: en idempotency_key: qscore-7a31c4e5 responses: '201': description: |- Report created and computed. `model_version` identifies the scoring model version. When status is `ready`, the full normalized `report` object is embedded; when status is `failed`, `error_code`/`error_message` explain why and the idempotency key is released so it can be retried. content: application/json: examples: ready: summary: Report ready (score computed) value: report_id: 3f5c9f2d-7d21-4b8c-9a2d-2d5f6a1b8c01 subject_id: 8f5fb0d2-1d45-4a0e-9d5c-2d39f2b7a112 status: ready purpose: credit_evaluation lang: es score: 742 band: B model_version: v1 reason_codes: - code: CREDIT_HISTORY_DEPTH direction: positive weight: medium - code: ACTIVE_TRADELINES direction: positive weight: low verify_code: Q3f5c9f2d7d214b8c9a2d2d5f6a1b8c01a1b2c3d4e5f60718293a created_at: '2026-08-08T15:04:22Z' completed_at: '2026-08-08T15:04:24Z' report: meta: report_id: QSR-3F5C9F2D7D21 lang: es purpose: credit_evaluation generated_at: '2026-08-08T15:04:24Z' verification_code: Q3f5c9f2d7d214b8c9a2d2d5f6a1b8c01a1b2c3d4e5f60718293a verification_url: >- /verify/qscore/Q3f5c9f2d7d214b8c9a2d2d5f6a1b8c01a1b2c3d4e5f60718293a identity: subject_type: person doc_id: 12.345.678-5 name: Example Name country: CL score: score: 742 band: B model_version: v1 reason_codes: - code: CREDIT_HISTORY_DEPTH direction: positive weight: medium - code: ACTIVE_TRADELINES direction: positive weight: low computed_at: '2026-08-08T15:04:24Z' summary: - No delinquencies or adverse events on record. - Active credit history with reported tradelines. tradelines: - source: res_chile creditor: Commercial creditor kind: loan status: current currency: CLP balance: '1250000' opened_at: '2025-03-14' reported_at: '2026-08-01' delinquencies: [] sources: - source: res_chile label: Commercial bulletin records: 1 fetched_at: '2026-08-08T15:04:23Z' ready_company: summary: Company report with industry peer benchmark value: report_id: 7c9a1f3d-2e44-4b8a-9d51-0a1b2c3d4e5f subject_id: 5b7d0e2a-2c34-4f6a-8b11-7d8e9f0a1b2c status: ready purpose: credit_evaluation lang: es score: 712 band: B model_version: qscore-v2 reason_codes: - code: ACTIVE_TRADELINES direction: positive weight: medium verify_code: Q7c9a1f3d2e444b8a9d510a1b2c3d4e5fa1b2c3d4e5f60718293a created_at: '2026-08-08T14:52:03Z' completed_at: '2026-08-08T14:52:05Z' report: meta: report_id: QSR-7C9A1F3D2E44 lang: es purpose: credit_evaluation generated_at: '2026-08-08T14:52:05Z' verification_code: Q7c9a1f3d2e444b8a9d510a1b2c3d4e5fa1b2c3d4e5f60718293a verification_url: >- /verify/qscore/Q7c9a1f3d2e444b8a9d510a1b2c3d4e5fa1b2c3d4e5f60718293a identity: subject_type: company doc_id: 76.123.456-0 name: Example Company SpA country: CL score: score: 712 band: B model_version: qscore-v2 reason_codes: - code: ACTIVE_TRADELINES direction: positive weight: medium computed_at: '2026-08-08T14:52:05Z' peer_benchmark: available: true segment_code: '6499' segment_label: Other financial service activities peers: 12 percentile: 75 median_score: 640 summary: - No delinquencies or adverse events on record. - Active credit history with reported tradelines. tradelines: - source: res_chile creditor: Commercial creditor kind: loan status: current currency: CLP balance: '1250000' opened_at: '2025-03-14' reported_at: '2026-08-01' delinquencies: [] sources: - source: res_chile label: Commercial bulletin records: 1 fetched_at: '2026-08-08T14:52:04Z' no_data: summary: Subject with no bureau data (SC band) value: report_id: 9b2e7a41-3c10-4e7b-8f25-9d31a2b7c5e2 subject_id: 5c31a9d4-6b20-4f18-9a71-3e7b2d90c4aa status: ready purpose: hiring lang: en band: SC model_version: v1 reason_codes: - code: NO_DATA direction: negative weight: high verify_code: Q9b2e7a413c104e7b8f259d31a2b7c5e2b2c3d4e5f60718293a4 created_at: '2026-08-08T15:10:02Z' completed_at: '2026-08-08T15:10:03Z' replay: summary: Idempotent replay (200 with idempotency_hit) value: report_id: 3f5c9f2d-7d21-4b8c-9a2d-2d5f6a1b8c01 subject_id: 8f5fb0d2-1d45-4a0e-9d5c-2d39f2b7a112 status: ready purpose: credit_evaluation lang: es score: 742 band: B model_version: v1 reason_codes: - code: CREDIT_HISTORY_DEPTH direction: positive weight: medium verify_code: Q3f5c9f2d7d214b8c9a2d2d5f6a1b8c01a1b2c3d4e5f60718293a created_at: '2026-08-08T15:04:22Z' completed_at: '2026-08-08T15:04:24Z' idempotency_hit: true '400': description: >- invalid_payload | purpose_required | invalid_purpose | invalid_doc_id | invalid_subject_type | idempotency_key_required content: application/json: examples: purpose: summary: Missing purpose value: error: purpose_required message: purpose is required (data protection law) doc_id: summary: Invalid document id value: error: invalid_doc_id message: doc_id is not valid for the given country '401': description: unauthorized '403': description: forbidden (service disabled or unverified account) '404': description: not_found (a parent resource of the account was not found) '409': description: >- idempotency_conflict (same key with a different payload or still processing) components: securitySchemes: bearerAuth: type: http scheme: bearer description: | Session JWT (from register/login) or API key (`pk_...`). `X-API-Key: ` is accepted as an alternative header. ````