API Reference

The AgriBase API returns a parcel-level risk assessment for an agricultural loan application in a single call. It's designed to sit alongside your existing bureau pull: one request at origination, one score back.

Base URL: https://agribase.co/api/v1

Authentication

Every request requires an API key, passed either as a bearer token or an X-Api-Key header. Production keys are provisioned per institution during onboarding. The sandbox key below works now, against the demo scoring environment:

Authorization: Bearer agb_demo_7f3c91d24aeb

Sandbox environment. Sandbox responses use the production request and response contract. Scores are served by a gradient-boosted model (out-of-time validated) trained on a synthetic reference loan book over synthesized parcel features — production models are trained on partner repayment outcomes and live satellite data. Scores are deterministic: the same parcel and loan always return the same result, so you can build and test your integration end-to-end before go-live.

Score a loan application

POST /api/v1/score

Takes the loan, the parcel, and (for crop loans) the crop being financed. Returns a 300–900 score, a probability of default over the loan tenor, the top drivers behind the decision, and the underlying parcel assessment.

Request body

Field	Type	Description
loan.type	string	Required. `crop`, `equipment`, or `allied`. Each loan type is scored by a model tuned to its risk drivers.
loan.amount_inr	number	Required. Principal in INR (1,000 – 100,000,000).
loan.tenor_months	number	Required. 1 – 120.
parcel.lat, parcel.lng	number	Required. Parcel centroid in decimal degrees. Current coverage: India.
parcel.area_hectares	number	Required. Cultivated area under the applicant.
parcel.state	string	Optional.
crop.name	string	Required for crop loans. See supported crops.
crop.season	string	Optional. `kharif`, `rabi`, `zaid`, or `perennial`.
farmer_ref	string	Optional. Your internal applicant reference, echoed back in the response.

Example request

curl -s https://agribase.co/api/v1/score \
  -H "Authorization: Bearer agb_demo_7f3c91d24aeb" \
  -H "Content-Type: application/json" \
  -d '{
    "loan":   { "type": "crop", "amount_inr": 150000, "tenor_months": 12 },
    "parcel": { "lat": 18.5204, "lng": 73.8567, "area_hectares": 1.6 },
    "crop":   { "name": "wheat", "season": "rabi" },
    "farmer_ref": "APP-2026-00417"
  }'

Example response

{
  "request_id": "req_465e8f088bab4673aa68",
  "score": 669,
  "band": "C+",
  "default_probability": 0.1054,
  "confidence": 0.84,
  "drivers": [
    { "factor": "Location climate volatility", "impact_points": -27, "direction": "negative" },
    { "factor": "Irrigation access", "impact_points": -21, "direction": "negative" },
    { "factor": "Estimated yield vs district median", "impact_points": 9, "direction": "positive" },
    { "factor": "Rainfall vs 10-yr normal", "impact_points": 8, "direction": "positive" },
    { "factor": "Cropping intensity", "impact_points": -8, "direction": "negative" }
  ],
  "parcel_assessment": {
    "location": { "lat": 18.5204, "lng": 73.8567 },
    "area_hectares": 1.6,
    "vegetation": { "ndvi_mean": 0.65, "trend_5_seasons": 0.005 },
    "estimated_yield_percentile": 60,
    "water": {
      "irrigation_probability": 0.24,
      "soil_moisture_index": 0.79,
      "rainfall_deviation_pct": 4
    },
    "climate_volatility": 0.91,
    "cropping_intensity": 1.52,
    "seasons_observed": 10
  },
  "loan": { "type": "crop", "amount_inr": 150000, "tenor_months": 12 },
  "crop": { "name": "wheat", "season": "rabi" },
  "farmer_ref": "APP-2026-00417",
  "meta": {
    "model_version": "agribase-xgb-0.1.0-synth",
    "environment": "sandbox",
    "latency_ms": 1
  }
}

score is a bureau-style scale where higher is safer; default_probability is the model's estimate over the loan tenor; drivers shows the largest contributions to this decision in score points, suitable for credit memos and adverse-action reasoning.

Supported crops

GET /api/v1/crops

Returns the crops the scoring models currently recognize, with their typical seasons and accepted aliases. Applications with unrecognized crops are still scored, using reference-crop assumptions, and flagged with a warning.

Health

GET /api/v1/health

Unauthenticated liveness check. Returns API and model versions and serving region.

Errors

Errors return a JSON body with a stable code, a human-readable message, and the request_id to quote when contacting us. Validation failures list every failing field.

Status	Code	Meaning
400	invalid_json	Body could not be parsed as JSON.
401	unauthorized	Missing or invalid API key.
405	method_not_allowed	Wrong HTTP method for the endpoint.
422	validation_failed	See `error.details` for per-field messages. Includes parcels outside current coverage (India).

Integration notes

The API is stateless and adds single-digit milliseconds of scoring latency; typical end-to-end response time is dominated by the network. CORS is enabled, but we recommend calling from your backend so your API key stays server-side. Scores are versioned via meta.model_version — pin your credit policy to a model version and we'll never change scoring under you without a version bump.

Ready to go beyond the sandbox? Get in touch — we're onboarding a small number of design-partner lenders.