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return }\n    // SDK initialized successfully\n}\n","language":"swift"},"children":[{"$$mdtype":"Node","type":"text","attributes":{"content":"import DeviceRisk\n\nlet options = SigmaDeviceOptions()\noptions.omitLocationData = false\n\nSigmaDevice.initializeSDK(\"YOUR_SDK_KEY\", options: options) { result, error in\n    if let error = error { print(\"SDK init error: \\(error)\"); return }\n    // SDK initialized successfully\n}\n"},"children":[]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Generate a token and run SNA"},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" — do both before your Prefill request:"},"children":[]}]}]},{"$$mdtype":"Node","type":"fence","attributes":{"content":"Task {\n    do {\n        let diSessionToken = try await SigmaDevice.getSessionToken()\n        // performSilentNetworkAuth is the call that actually runs SNA. Mobile\n        // number in E.164 format; await it so the result is ready for decisioning.\n        try? await SigmaDevice.performSilentNetworkAuth(mobileNumber: \"+15551234567\")\n        // ...include diSessionToken on your Prefill request\n    } catch {\n        // Proceed without token — the user falls back to OTP verification\n    }\n}\n","language":"swift"},"children":[{"$$mdtype":"Node","type":"text","attributes":{"content":"Task {\n    do {\n        let diSessionToken = try await SigmaDevice.getSessionToken()\n        // performSilentNetworkAuth is the call that actually runs SNA. Mobile\n        // number in E.164 format; await it so the result is ready for decisioning.\n        try? await SigmaDevice.performSilentNetworkAuth(mobileNumber: \"+15551234567\")\n        // ...include diSessionToken on your Prefill request\n    } catch {\n        // Proceed without token — the user falls back to OTP verification\n    }\n}\n"},"children":[]}]}]}],"panels":[]}]}},{"type":"link","label":"Android (Kotlin)","link":"/client-spec/prefill-onboarding-sdk/android-(kotlin)","routeSlug":"/client-spec/prefill-onboarding-sdk/android-(kotlin)","content":{"contentType":"item","itemVariant":"markdown","meta":{"name":"Android (Kotlin)"},"children":[{"nodeType":"container","children":[{"nodeType":"markdoc","content":[{"$$mdtype":"Node","type":"heading","attributes":{"level":2,"id":"prefill-onboarding-sdk/android-(kotlin)"},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Android (Kotlin)"},"children":[]}]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Requirements:"},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" Min SDK 21 (Android 5.0), target SDK 34, Kotlin 1.8.10+, Gradle 8.0+."},"children":[]}]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Install"},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" — add the SDK Maven repo to your root "},"children":[]},{"$$mdtype":"Node","type":"code","inline":true,"attributes":{"content":"build.gradle"},"children":[]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":":"},"children":[]}]}]},{"$$mdtype":"Node","type":"fence","attributes":{"content":"allprojects {\n  repositories {\n    google()\n    mavenCentral()\n    maven { url 'https://sdk.socure.com/' }\n  }\n}\n","language":"groovy"},"children":[{"$$mdtype":"Node","type":"text","attributes":{"content":"allprojects {\n  repositories {\n    google()\n    mavenCentral()\n    maven { url 'https://sdk.socure.com/' }\n  }\n}\n"},"children":[]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Then add the dependency to your app "},"children":[]},{"$$mdtype":"Node","type":"code","inline":true,"attributes":{"content":"build.gradle"},"children":[]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":":"},"children":[]}]}]},{"$$mdtype":"Node","type":"fence","attributes":{"content":"dependencies {\n  implementation 'com.socure.devicerisk.sdk:socure-devicerisk:4.8.0'\n}\n","language":"groovy"},"children":[{"$$mdtype":"Node","type":"text","attributes":{"content":"dependencies {\n  implementation 'com.socure.devicerisk.sdk:socure-devicerisk:4.8.0'\n}\n"},"children":[]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"If you use code obfuscation, add this ProGuard rule: "},"children":[]},{"$$mdtype":"Node","type":"code","inline":true,"attributes":{"content":"-keep class com.socure.idplus.** { *; }"},"children":[]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"."},"children":[]}]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Initialize"},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":":"},"children":[]}]}]},{"$$mdtype":"Node","type":"fence","attributes":{"content":"import com.socure.idplus.devicerisk.androidsdk.SigmaDevice\nimport com.socure.idplus.devicerisk.androidsdk.model.SigmaDeviceOptions\n\nval options = SigmaDeviceOptions().apply { omitLocationData = false }\n\nSigmaDevice.initializeSDK(\n    context = applicationContext,\n    sdkKey = \"YOUR_SDK_KEY\",\n    options = options,\n    callback = object : SigmaDeviceCallback {\n        override fun onComplete() { /* SDK ready */ }\n        override fun onError(t: SigmaDeviceError, m: String?) { /* handle */ }\n    }\n)\n","language":"kotlin"},"children":[{"$$mdtype":"Node","type":"text","attributes":{"content":"import com.socure.idplus.devicerisk.androidsdk.SigmaDevice\nimport com.socure.idplus.devicerisk.androidsdk.model.SigmaDeviceOptions\n\nval options = SigmaDeviceOptions().apply { omitLocationData = false }\n\nSigmaDevice.initializeSDK(\n    context = applicationContext,\n    sdkKey = \"YOUR_SDK_KEY\",\n    options = options,\n    callback = object : SigmaDeviceCallback {\n        override fun onComplete() { /* SDK ready */ }\n        override fun onError(t: SigmaDeviceError, m: String?) { /* handle */ }\n    }\n)\n"},"children":[]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Generate a token and run SNA"},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" — do both before your Prefill request:"},"children":[]}]}]},{"$$mdtype":"Node","type":"fence","attributes":{"content":"SigmaDevice.getSessionToken(object : SessionTokenCallback {\n    override fun onComplete(sessionToken: String) {\n        val diSessionToken = sessionToken\n        // performSilentNetworkAuth is the call that actually runs SNA.\n        // Mobile number in E.164 format.\n        SigmaDevice.performSilentNetworkAuth(\"+15551234567\", object : SilentNetworkAuthCallback {\n            override fun onSuccess() { /* proceed to Prefill with diSessionToken */ }\n            override fun onError(e: SilentNetworkAuthError, m: String?) { /* proceed anyway — OTP fallback */ }\n        })\n    }\n    override fun onError(t: SigmaDeviceError, m: String?) {\n        // Proceed without token (OTP fallback)\n    }\n})\n","language":"kotlin"},"children":[{"$$mdtype":"Node","type":"text","attributes":{"content":"SigmaDevice.getSessionToken(object : SessionTokenCallback {\n    override fun onComplete(sessionToken: String) {\n        val diSessionToken = sessionToken\n        // performSilentNetworkAuth is the call that actually runs SNA.\n        // Mobile number in E.164 format.\n        SigmaDevice.performSilentNetworkAuth(\"+15551234567\", object : SilentNetworkAuthCallback {\n            override fun onSuccess() { /* proceed to Prefill with diSessionToken */ }\n            override fun onError(e: SilentNetworkAuthError, m: String?) { /* proceed anyway — OTP fallback */ }\n        })\n    }\n    override fun onError(t: SigmaDeviceError, m: String?) {\n        // Proceed without token (OTP fallback)\n    }\n})\n"},"children":[]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"SNA also needs "},"children":[]},{"$$mdtype":"Node","type":"code","inline":true,"attributes":{"content":"<uses-permission android:name=\"android.permission.CHANGE_NETWORK_STATE\" />"},"children":[]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" in your manifest, plus an active SIM and cellular data."},"children":[]}]}]}]}],"panels":[]}]}},{"type":"link","label":"React Native","link":"/client-spec/prefill-onboarding-sdk/react-native","routeSlug":"/client-spec/prefill-onboarding-sdk/react-native","content":{"contentType":"item","itemVariant":"markdown","meta":{"name":"React Native"},"children":[{"nodeType":"container","children":[{"nodeType":"markdoc","content":[{"$$mdtype":"Node","type":"heading","attributes":{"level":2,"id":"prefill-onboarding-sdk/react-native"},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"React Native"},"children":[]}]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Requirements:"},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" iOS 13.0+, Android Min SDK 21, Java 17."},"children":[]}]}]},{"$$mdtype":"Node","type":"fence","attributes":{"content":"npm install @socure-inc/react-native-device-risk\n","language":"bash"},"children":[{"$$mdtype":"Node","type":"text","attributes":{"content":"npm install @socure-inc/react-native-device-risk\n"},"children":[]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"iOS — add to your "},"children":[]},{"$$mdtype":"Node","type":"code","inline":true,"attributes":{"content":"Podfile"},"children":[]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" and install pods:"},"children":[]}]}]},{"$$mdtype":"Node","type":"fence","attributes":{"content":"platform :ios, '13.0'\npod 'SocureDeviceRisk'\n","language":"ruby"},"children":[{"$$mdtype":"Node","type":"text","attributes":{"content":"platform :ios, '13.0'\npod 'SocureDeviceRisk'\n"},"children":[]}]},{"$$mdtype":"Node","type":"fence","attributes":{"content":"cd ios && pod install\n","language":"bash"},"children":[{"$$mdtype":"Node","type":"text","attributes":{"content":"cd ios && pod install\n"},"children":[]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Android — add the Maven repo to "},"children":[]},{"$$mdtype":"Node","type":"code","inline":true,"attributes":{"content":"android/build.gradle"},"children":[]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" and ensure Java 17 in "},"children":[]},{"$$mdtype":"Node","type":"code","inline":true,"attributes":{"content":"android/app/build.gradle"},"children":[]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"."},"children":[]}]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Initialize and get a token"},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":":"},"children":[]}]}]},{"$$mdtype":"Node","type":"fence","attributes":{"content":"import { RnSigmaDevice, SigmaDeviceOptions }\n  from '@socure-inc/react-native-device-risk';\n\ntry {\n  const options: SigmaDeviceOptions = { omitLocationData: false };\n  const result = await RnSigmaDevice.initializeSDK('YOUR_SDK_KEY', options);\n  const diSessionToken = result.sessionToken;\n} catch (error) {\n  // Proceed without token (OTP fallback)\n}\n","language":"typescript"},"children":[{"$$mdtype":"Node","type":"text","attributes":{"content":"import { RnSigmaDevice, SigmaDeviceOptions }\n  from '@socure-inc/react-native-device-risk';\n\ntry {\n  const options: SigmaDeviceOptions = { omitLocationData: false };\n  const result = await RnSigmaDevice.initializeSDK('YOUR_SDK_KEY', options);\n  const diSessionToken = result.sessionToken;\n} catch (error) {\n  // Proceed without token (OTP fallback)\n}\n"},"children":[]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Generate a fresh token and run SNA before your Prefill request (and get a fresh token again before Onboarding):"},"children":[]}]}]},{"$$mdtype":"Node","type":"fence","attributes":{"content":"const { sessionToken: diSessionToken } = await RnSigmaDevice.getSessionToken();\n// performSilentNetworkAuth is the call that actually runs SNA. Mobile number in\n// E.164 format; await it so the result is ready for decisioning.\nawait RnSigmaDevice.performSilentNetworkAuth('+15551234567').catch(() => {});\n","language":"typescript"},"children":[{"$$mdtype":"Node","type":"text","attributes":{"content":"const { sessionToken: diSessionToken } = await RnSigmaDevice.getSessionToken();\n// performSilentNetworkAuth is the call that actually runs SNA. Mobile number in\n// E.164 format; await it so the result is ready for decisioning.\nawait RnSigmaDevice.performSilentNetworkAuth('+15551234567').catch(() => {});\n"},"children":[]}]}]}],"panels":[]}]}},{"type":"link","label":"Important notes","link":"/client-spec/prefill-onboarding-sdk/important-notes","routeSlug":"/client-spec/prefill-onboarding-sdk/important-notes","content":{"contentType":"item","itemVariant":"markdown","meta":{"name":"Important notes"},"children":[{"nodeType":"container","children":[{"nodeType":"markdoc","content":[{"$$mdtype":"Node","type":"heading","attributes":{"level":2,"id":"prefill-onboarding-sdk/important-notes"},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Important notes"},"children":[]}]}]},{"$$mdtype":"Node","type":"list","attributes":{"ordered":false,"marker":"-"},"children":[{"$$mdtype":"Node","type":"item","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Initialize early."},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" The SDK needs time to collect device signals before it can produce a token. Initialize as early in your app lifecycle as you can."},"children":[]}]}]},{"$$mdtype":"Node","type":"item","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Fresh tokens per call."},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" Generate a new "},"children":[]},{"$$mdtype":"Node","type":"code","inline":true,"attributes":{"content":"diSessionToken"},"children":[]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" for each API call — don't reuse them across requests."},"children":[]}]}]},{"$$mdtype":"Node","type":"item","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Both endpoints."},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" Pass "},"children":[]},{"$$mdtype":"Node","type":"code","inline":true,"attributes":{"content":"diSessionToken"},"children":[]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" to "},"children":[]},{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"both"},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" the Prefill and Onboarding requests for full SNA coverage."},"children":[]}]}]},{"$$mdtype":"Node","type":"item","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Graceful fallback."},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" If SDK init or token generation fails, just proceed without the token. The user falls back to OTP verification — your flow still completes."},"children":[]}]}]}]}]}],"panels":[]}]}}],"content":{"contentType":"group","meta":{"name":"Prefill-Onboarding SDK"},"children":[{"nodeType":"container","children":[{"nodeType":"header","level":2,"label":"Prefill-Onboarding SDK","showPageActions":true},{"nodeType":"markdoc","content":[{"$$mdtype":"Node","type":"tag","tag":"html","attributes":{"name":"style","attrs":{}},"children":[{"$$mdtype":"Node","type":"text","attributes":{"content":"\n.sc-doc-table table { table-layout: auto; width: 100%; }\ntable th, table td { word-break: keep-all; overflow-wrap: normal; padding: 8px 14px; vertical-align: top; }\ntable th:first-child, table td:first-child { white-space: nowrap; }\ntable td code, table th code { white-space: nowrap; }\n"},"children":[]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"The Device Risk SDK is the missing piece that makes the Prefill + Onboarding flow feel like one tap. It runs in your client app, collects device signals, and produces a "},"children":[]},{"$$mdtype":"Node","type":"code","inline":true,"attributes":{"content":"diSessionToken"},"children":[]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":" that lets us perform Silent Network Authentication (SNA) — verifying the user's identity in the background, with no OTP step shown to the user. Without the SDK, every Prefill + Onboarding session falls back to a 6-digit OTP delivered over SMS, which adds friction and an extra step the user has to complete. With it, the device-trust signal is strong enough on most carrier networks for SNA to succeed silently — the user enters their name and phone number, we prefill the rest, and they're verified."},"children":[]}]}]},{"$$mdtype":"Node","type":"paragraph","attributes":{},"children":[{"$$mdtype":"Node","type":"inline","attributes":{},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"The SDK is available for "},"children":[]},{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Web (JavaScript)"},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":", "},"children":[]},{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"iOS (Swift)"},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":", and "},"children":[]},{"$$mdtype":"Node","type":"strong","inline":true,"attributes":{"marker":"**"},"children":[{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":"Android (Kotlin)"},"children":[]}]},{"$$mdtype":"Node","type":"text","inline":true,"attributes":{"content":", and it's only relevant when you're calling the Prefill and Onboarding endpoints directly from your own UI; the CRS widget bundles the SDK behavior internally and doesn't require you to install anything separately. 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CRS handles the parts you don't want to build: credit-bureau enrollment, secure consumer-data storage, regulatory compliance, identity verification, and the day-to-day operational machinery of running a credit product.\n\nYou focus on the product surface your users see; we power the credit infrastructure underneath. Whether you ship our pre-built widget, build a fully custom UI on our API, or mix the two, the same set of products, flows, and lifecycle events is available to you.\n\n**How to integrate.** Five steps from sign-up to live traffic:\n\n1. **Find the implementation type you need.** Browse the [Products](/client-spec/products) section to see what we offer (Credit Scores, Reports, Alerts, Identity Verification, Score Up, Optimal Path, Offers IQ, Push Notifications). Pick the products that match your product roadmap.\n2. **Request credentials.** Contact your account manager to provision a customer + host and issue API credentials. You'll receive an **API key** and **API secret** for the development environment.\n3. **Integration.** Build against the development environment. Most integrations land somewhere on the spectrum from \"drop the [Widget](/client-spec/widget) into a page\" (zero backend) to \"use the Direct API + your own UI\" (full control). Test scenarios are in [Test Cases](/client-spec/test-cases); error codes in [Errors](/client-spec/errors).\n4. **Get Approved.** Once your integration is working in development, request production credentials. We review the integration for compliance, security, and feature configuration before issuing prod keys.\n5. **Go live.** Switch to production credentials, point your hosts at the production base URL, and start serving real users.\n\n**Test credentials.** While you're waiting on your own credentials in step 2, pre-provisioned hosts on the **DEV** environment let you start exploring the API right away. The two credit hosts have all features enabled — one configured for Equifax 1-bureau coverage, the other for the Equifax 3-bureau product — so you can compare response shapes and behavior between the two.\n\n***Redocly Documentation — EFX 1B With All Features***\n\n- **Host ID:** `89070aac-9542-44c4-bd58-0abe444edfea`\n- **API Key:** `dd12e2b3-7504-461b-be48-fe6ef5ae7c1b`\n- **Secret:** `4fc8400b-4024-4ef6-8e80-f7797583a5c2`\n\n***Redocly Documentation — EFX 3B With All Features***\n\n- **Host ID:** `fdf44557-815d-462d-b3fa-23561e4d4be8`\n- **API Key:** `68f7e668-78ab-4d17-97e6-4139f6c0069a`\n- **Secret:** `d6b53763-0798-40dd-b6ec-abfa56a0236f`\n\n***Redocly Documentation — Offers IQ***\n\n- **API Key:** `f66fccbd-4cf7-4915-9850-09f00fccc7d0`\n- **Secret:** `a9f0241f-f3e8-4c71-a842-90521da87afb`\n- **Rule Set ID:** `PROD_0E28CFE2`\n\nUse the API Key and Secret with `POST /direct/login` to obtain a host token, then pass the **Rule Set ID** in the `POST /direct/credit-pre-screening` request body to exercise the Offers IQ flow against the pre-configured test rule set.\n\n***Redocly Documentation — Prefill Products***\n\n- **Host ID:** `ca0266eb-7fcb-44eb-81b6-103793880b74`\n- **API Key:** `7c7d4228-c9dc-491b-93b3-09541b8dc8f9`\n- **Secret:** `a07686de-9f1b-4c95-8b19-6b21ae6a34d2`\n\nUse the API Key and Secret with `POST /direct/login` to obtain a host token, then call the Prefill Products endpoints (e.g. `POST /direct/address-prefill`).\n\n***Redocly Documentation — All 3 Bureaus***\n\n- **Host ID:** `f0e7f995-e080-4d0a-9d60-d270e2739435`\n- **API Key:** `4fc5bb84-a389-49ff-888c-e953f5271c36`\n- **Secret:** `bdc8a319-0984-45a5-b1bf-2d094d843453`\n\nA host enrolled with Equifax, TransUnion and Experian together. Credit data comes back merged, one key per bureau — read it from `GET /users/latest-report` / `GET /users/latest-scores` (user token) or `GET /direct/latest-report/{id}` / `GET /direct/latest-scores/{id}` (host token), not the `efx-*` endpoints.\n\nThese credentials are for **DEV-environment exploration only** — do not use them in production code. Authenticate with `POST /direct/login`, then use the [test SSNs and scenarios](/client-spec/test-cases) to exercise the full identity-verification and credit-data flows.\n\n**Support.** Questions, integration issues, or anything not covered in these docs — email [support@crscreditapi.com](mailto:support@crscreditapi.com).\n\nFor deeper integration patterns, see [Getting Started](/client-spec/getting-started). API spec last updated `2026-10-16`.\n"}},"baseSlug":"/client-spec","routesMapping":{}}