> ## 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. # Generate your own credit report (self) > Generates (or reuses) the Qscore credit report of the authenticated account holder — the ARCO / data-protection right of access to one's own credit information. Unlike `POST /v1/qscore/reports`, this endpoint is FREE (no fee is charged) and the subject identity is derived from the verified account: the `tax_id` validated during KYC/KYB. The request does NOT accept a `doc_id` — requesting a third party's report through this endpoint is impossible by design (anti-oracle). Frequency limit: one NEW self report every 30 days. If a `ready` self report already exists within that window, the endpoint returns `200` with the existing report and `idempotency_hit: true` (reused); otherwise it generates a new one and returns `201`. A double submit on the same day returns the already-created report (deterministic idempotency per account + subject + day). Self reports are excluded from the subject's query count, so pulling your own report never penalizes your score. The report is computed synchronously: the response is the finished report (status `ready`) or a failed one (status `failed` with `error_code`/`error_message`). ## OpenAPI ````yaml /openapi.yaml post /v1/qscore/my-report 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/my-report: post: tags: - Qscore summary: Generate your own credit report (self) description: >- Generates (or reuses) the Qscore credit report of the authenticated account holder — the ARCO / data-protection right of access to one's own credit information. Unlike `POST /v1/qscore/reports`, this endpoint is FREE (no fee is charged) and the subject identity is derived from the verified account: the `tax_id` validated during KYC/KYB. The request does NOT accept a `doc_id` — requesting a third party's report through this endpoint is impossible by design (anti-oracle). Frequency limit: one NEW self report every 30 days. If a `ready` self report already exists within that window, the endpoint returns `200` with the existing report and `idempotency_hit: true` (reused); otherwise it generates a new one and returns `201`. A double submit on the same day returns the already-created report (deterministic idempotency per account + subject + day). Self reports are excluded from the subject's query count, so pulling your own report never penalizes your score. The report is computed synchronously: the response is the finished report (status `ready`) or a failed one (status `failed` with `error_code`/`error_message`). operationId: createQscoreSelfReport requestBody: required: false content: application/json: examples: default: summary: Default language (es) value: {} lang: summary: Pick the report language value: lang: en responses: '200': description: >- A ready self report already existed within the 30-day window; it is returned with `idempotency_hit: true` (no new report is generated). content: application/json: example: report_id: 7d2c1a90-4e55-4b3a-9f0c-1a2b3c4d5e6f subject_id: 8f5fb0d2-1d45-4a0e-9d5c-2d39f2b7a112 status: ready purpose: self_access lang: es score: 742 band: B model_version: qscore-v2 reason_codes: - code: CREDIT_HISTORY_DEPTH direction: positive weight: medium verify_code: Q7d2c1a904e554b3a9f0c1a2b3c4d5e6fa1b2c3d4e5f60718293a created_at: '2026-08-02T11:20:10Z' completed_at: '2026-08-02T11:20:12Z' idempotency_hit: true '201': description: >- Self report created and computed. When status is `ready`, the full normalized `report` object is embedded; when status is `failed`, `error_code`/`error_message` explain why. content: application/json: examples: ready: summary: Report ready (score computed) value: report_id: 7d2c1a90-4e55-4b3a-9f0c-1a2b3c4d5e6f subject_id: 8f5fb0d2-1d45-4a0e-9d5c-2d39f2b7a112 status: ready purpose: self_access lang: es score: 742 band: B model_version: qscore-v2 reason_codes: - code: CREDIT_HISTORY_DEPTH direction: positive weight: medium - code: ACTIVE_TRADELINES direction: positive weight: low verify_code: Q7d2c1a904e554b3a9f0c1a2b3c4d5e6fa1b2c3d4e5f60718293a created_at: '2026-08-08T15:04:22Z' completed_at: '2026-08-08T15:04:24Z' report: meta: report_id: QSR-7D2C1A904E55 lang: es purpose: self_access generated_at: '2026-08-08T15:04:24Z' verification_code: Q7d2c1a904e554b3a9f0c1a2b3c4d5e6fa1b2c3d4e5f60718293a verification_url: >- /verify/qscore/Q7d2c1a904e554b3a9f0c1a2b3c4d5e6fa1b2c3d4e5f60718293a identity: subject_type: person doc_id: 12.345.678-5 name: Example Name country: CL score: score: 742 band: B model_version: qscore-v2 reason_codes: - code: CREDIT_HISTORY_DEPTH direction: positive weight: medium computed_at: '2026-08-08T15:04:24Z' summary: - No delinquencies or adverse events on record. sources: - source: bureau label: Commercial bulletin records: 1 fetched_at: '2026-08-08T15:04:23Z' no_data: summary: Holder with no bureau data (SC band) value: report_id: 9b2e7a41-3c10-4e7b-8f25-9d31a2b7c5e2 subject_id: 5c31a9d4-6b20-4f18-9a71-3e7b2d90c4aa status: ready purpose: self_access lang: en band: SC model_version: qscore-v2 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' '400': description: invalid_tax_id | invalid_payload (e.g. unsupported lang) content: application/json: example: error: invalid_tax_id message: >- the verified tax id of the account is not valid for its country '401': description: unauthorized '403': description: >- kyc_required (the account does not have an approved KYC/KYB) | forbidden (service disabled) content: application/json: example: error: kyc_required message: >- an approved identity verification is required to pull your own report '409': description: no_tax_id (the verified account has no tax id on file) content: application/json: example: error: no_tax_id message: the account has no verified tax id 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. ````