Krece cuota, credit-line and catalog data

Krece is a consumer-finance app from Krece for buying smartphones in fortnightly installments (compra en cuotas), accessing a Línea Krece revolving credit line and personal loans, adding Seguros Caracas device cover, and financing mobile recargas. Shoppers browse allied-store handset catalogs, choose a down payment and repayment plan, and pay through Pago Móvil, bank transfer, Kushki, Kashio, Libélula or Treli. On-time payments support loyalty progression, including Krece Black, while referral codes let users invite friends. Its phone-financing and top-up features serve Spanish-speaking shoppers in Venezuela, the Dominican Republic, Peru, Colombia and Bolivia.

Línea Krece limits and available balances are recorded in credit_line and availableCreditLine, alongside available_personal_loan_credit_line, used_personal_loan_credit_line and reserved_personal_loan_credit_line. Installment records add payment_id, due_date, installment_amount, amount_paid and total_to_pay; promotion_code, pronto_pago, percent_off and value_off distinguish promotional savings from the original cuota amount. Together these fields support credit-capacity monitoring and repayment reconciliation for credit-operations and collections teams.

Handset catalog records connect catalog_id and store_name with device_model, device_price, down_payment and number_of_installments, giving distributors a basis for comparing financing options. Cover information contributes coveragePremium, pending_insurance_id and is_stolen. Identity workflows connect document_id, identification_match, identity_verified and liveness_document_id for onboarding integrations. openData Studio turns these credit, catalog, cover and identity fields into callable open data for repayment dashboards, handset-financing tools and KYC pipelines.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

User profile and credit line

GET /v1/borrowers/current/overview osint

Loads the signed-in shopper: identity document, Línea Krece credit_line versus availableCreditLine, loyalty user_level / user_points, and overdue_payments that drive the cuota home.

Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.

user_uuid
user_id
user_email
first_name
last_name
phone_number
identification_type
identification_number
document_type
birth_date
credit_line
availableCreditLine
user_level
user_points
has_late_payments
overdue_payments
referral_code

GET /v1/borrowers/current/overview HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Accept: application/json

{
  "user_uuid": "usr_8f21aa",
  "user_id": "8f21aa",
  "user_email": "<shopper-email>",
  "first_name": "Ana",
  "last_name": "Pérez",
  "phone_number": "+584121234567",
  "identification_type": "cedula",
  "identification_number": "V12345678",
  "document_type": "cedula",
  "birth_date": "1994-03-12",
  "credit_line": 450.00,
  "availableCreditLine": 280.50,
  "user_level": 2,
  "user_points": 1240,
  "has_late_payments": false,
  "overdue_payments": [],
  "referral_code": "ANA12"
}

Recalculate credit line
GET /v1/credit-allowances/refresh openfinance
Recomputes Línea Krece and personal-loan headroom after a payment or level change: availableCreditLine plus used/reserved personal-loan slices and credit_line_increased.
Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.
- user_uuid
- credit_line
- availableCreditLine
- available_personal_loan_credit_line
- used_personal_loan_credit_line
- reserved_personal_loan_credit_line
- shared_credit_line
- credit_line_increased
- user_level
```
GET /v1/credit-allowances/refresh HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Accept: application/json
```
```
{
  "user_uuid": "usr_8f21aa",
  "credit_line": 520.00,
  "availableCreditLine": 350.00,
  "available_personal_loan_credit_line": 200.00,
  "used_personal_loan_credit_line": 80.00,
  "reserved_personal_loan_credit_line": 20.00,
  "shared_credit_line": false,
  "credit_line_increased": true,
  "user_level": 3
}
```

Allied store catalogs

GET /v1/retail-catalogs/handsets opendata

Lists allied-store handset catalogs the shopper can finance: catalog_id, store_name, device_model, device_price, down_payment and cuota math (number_of_installments, installment_amount).

Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.

catalog_id
store_name
catalogItems
device_model
device_price
down_payment
number_of_installments
installment_amount
financing_options

GET /v1/retail-catalogs/handsets HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Accept: application/json

{
  "catalogs": [
    {
      "catalog_id": "cat_caracas_01",
      "store_name": "Example Allied Store",
      "catalogItems": [
        {
          "device_model": "Xiaomi 14",
          "device_price": 420.00,
          "down_payment": 80.00,
          "number_of_installments": 8,
          "installment_amount": 42.50,
          "financing_options": ["phones_financing"]
        }
      ]
    }
  ]
}

User registration

POST /v1/borrowers/enrollment osint

Creates the Krece shopper record with cédula / RIF / RNC / DNI identity fields, monthly_income_dollars and an optional referral_code before credit underwriting.

Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.

first_name
last_name
user_email
phone_number
identification_type
identification_number
document_type
birth_date
monthly_income_dollars
referral_code
device_id
device_model
user_uuid
user_id
user_level
credit_line

POST /v1/borrowers/enrollment HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Content-Type: application/json

{
  "first_name": "Ana",
  "last_name": "Pérez",
  "user_email": "<shopper-email>",
  "phone_number": "+584121234567",
  "identification_type": "cedula",
  "identification_number": "V12345678",
  "document_type": "cedula",
  "birth_date": "1994-03-12",
  "monthly_income_dollars": 350,
  "referral_code": "ANA12",
  "device_id": "dev_aa11",
  "device_model": "Pixel 8"
}

{
  "user_uuid": "usr_8f21aa",
  "user_id": "8f21aa",
  "identification_number": "V12345678",
  "document_type": "cedula",
  "referral_code": "ANA12",
  "user_level": 1,
  "credit_line": 0
}

Document identification

POST /v1/identity-files/submit osint

Submits the captured ID photo (cédula / DNI / RNC / RIF) and binds it to a liveness_document_id so onboarding can set identification_match and identity_verified.

Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.

document_type
document_photo
identification_id_url
identification_number
liveness_document_id
document_id
identification_match
identity_verified

POST /v1/identity-files/submit HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Content-Type: application/json

{
  "document_type": "cedula",
  "document_photo": "<document-photo-url>",
  "identification_id_url": "<document-photo-url>",
  "identification_number": "V12345678",
  "liveness_document_id": "liv_44c"
}

{
  "document_id": "doc_991",
  "document_type": "cedula",
  "identification_number": "V12345678",
  "identification_match": true,
  "liveness_document_id": "liv_44c",
  "identity_verified": true
}

Liveness detection session
GET /v1/face-checks/session osint
Opens a face-liveness session (session_id, challenge_id, liveness_document_id) that the in-app face-check screen consumes before document approval.
Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.
- session_id
- challenge_id
- liveness_document_id
- status
```
GET /v1/face-checks/session HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Accept: application/json
```
```
{
  "session_id": "livsess_77b",
  "challenge_id": "chg_12",
  "liveness_document_id": "liv_44c",
  "status": "pending"
}
```

Personal loan registration v2

POST /v1/loan-requests/create openfinance

Files a Línea Krece / personal-loan application: personal_loan_motive, monthly_income_dollars and available_personal_loan_credit_line, returning pending_loan_id until the contract is accepted.

Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.

user_uuid
identification_number
monthly_income_dollars
personal_loan_motive
available_personal_loan_credit_line
pending_loan_id
pending_loan_exists
used_personal_loan_credit_line
contract_number
awaiting_contract

POST /v1/loan-requests/create HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Content-Type: application/json

{
  "user_uuid": "usr_8f21aa",
  "identification_number": "V12345678",
  "monthly_income_dollars": 350,
  "personal_loan_motive": "consolidar_cuotas",
  "available_personal_loan_credit_line": 200.00
}

{
  "pending_loan_id": "pl_331",
  "pending_loan_exists": true,
  "available_personal_loan_credit_line": 200.00,
  "used_personal_loan_credit_line": 0,
  "personal_loan_motive": "consolidar_cuotas",
  "contract_number": null,
  "awaiting_contract": true
}

Apply discount code

POST /v1/repayment-incentives/attach openfinance

Applies a promotion_code or pronto_pago discount to a cuota payment and returns percent_off / value_off against payment_amount.

Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.

payment_id
promotion_code
discount_code_id
pronto_pago
percent_off
value_off
payment_amount

POST /v1/repayment-incentives/attach HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Content-Type: application/json

{
  "payment_id": "pay_441",
  "promotion_code": "PRONTO10",
  "discount_code_id": "dc_19",
  "pronto_pago": true
}

{
  "payment_id": "pay_441",
  "discount_code_id": "dc_19",
  "promotion_code": "PRONTO10",
  "percent_off": 10,
  "value_off": 4.25,
  "pronto_pago": true,
  "payment_amount": 38.25
}

Discounted payment schedule

POST /v1/installment-plans/discount-preview openfinance

Preview the cuota schedule after a discount: each payment_id keeps due_date and installment_amount, then payment_amount / total_to_pay after percent_off.

Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.

payment_object_ids
promotion_code
pronto_pago
payment_id
due_date
installment_amount
percent_off
payment_amount
amount_paid
total_to_pay

POST /v1/installment-plans/discount-preview HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Content-Type: application/json

{
  "payment_object_ids": ["pay_441", "pay_442"],
  "promotion_code": "PRONTO10",
  "pronto_pago": true
}

{
  "payments": [
    {
      "payment_id": "pay_441",
      "due_date": "2026-11-15",
      "installment_amount": 42.50,
      "percent_off": 10,
      "payment_amount": 38.25,
      "amount_paid": 0,
      "total_to_pay": 38.25
    }
  ]
}

Pago Móvil payment

POST /v1/settlements/mobile-transfer openfinance

Posts a Venezuelan Pago Móvil cuota payment: amount_bs, phone_last4digits, reference_digits and otp, then marks amount_paid on the installment.

Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.

payment_id
payment_method
amount_bs
phone_last4digits
reference_digits
otp
amount_paid
currency_code
status
otp_not_confirmed

POST /v1/settlements/mobile-transfer HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Content-Type: application/json

{
  "payment_id": "pay_441",
  "payment_method": "pagomovil",
  "amount_bs": 1850.00,
  "phone_last4digits": "4567",
  "reference_digits": "123456",
  "otp": "847291"
}

{
  "payment_id": "pay_441",
  "payment_method": "pagomovil",
  "amount_bs": 1850.00,
  "amount_paid": 42.50,
  "currency_code": "VES",
  "status": "confirmed",
  "otp_not_confirmed": false
}

Kushki checkout URL

POST /v1/checkout-links/create openfinance

Mints a Kushki hosted checkout (payment_url / checkout_url) for a cuota when the shopper pays in USD instead of Pago Móvil.

Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.

payment_id
payment_amount
currency_code
amount_usd
payment_url
checkout_url

POST /v1/checkout-links/create HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Content-Type: application/json

{
  "payment_id": "pay_441",
  "payment_amount": 42.50,
  "currency_code": "USD",
  "amount_usd": 42.50
}

{
  "payment_id": "pay_441",
  "payment_url": "<hosted-checkout-url>",
  "checkout_url": "<hosted-checkout-url>",
  "currency_code": "USD",
  "payment_amount": 42.50
}

Split overdue installments

POST /v1/arrears-plans/restructure openfinance

Splits overdue cuotas into a new schedule: number_of_installments, new_total_pending_amount and projected_due_dates for the Dividir cuotas screen.

Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.

payment_object_ids
number_of_installments
overdue_payments
installment_amount
new_total_pending_amount
due_date
projected_due_dates

POST /v1/arrears-plans/restructure HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Content-Type: application/json

{
  "payment_object_ids": ["pay_440"],
  "number_of_installments": 2,
  "overdue_payments": true
}

{
  "payment_object_ids": ["pay_440a", "pay_440b"],
  "number_of_installments": 2,
  "installment_amount": 21.25,
  "new_total_pending_amount": 42.50,
  "due_date": "2026-11-30",
  "projected_due_dates": ["2026-11-15", "2026-11-30"]
}

Insurance quote

POST /v1/coverage-estimates/create openfinance

Quotes device (or RCV) cover: coveragePremium for a device_model / device_price, returning pending_insurance_id and the insurance anexo PDF.

Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.

product_type
device_model
device_price
device_id
pending_insurance_id
coveragePremium
anexo_document_id
anexo_url

POST /v1/coverage-estimates/create HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Content-Type: application/json

{
  "product_type": "device",
  "device_model": "Xiaomi 14",
  "device_price": 420.00,
  "device_id": "dev_aa11"
}

{
  "pending_insurance_id": "ins_88",
  "product_type": "device",
  "coveragePremium": 12.50,
  "device_model": "Xiaomi 14",
  "device_price": 420.00,
  "anexo_document_id": "anx_12",
  "anexo_url": "<policy-annex-url>"
}

Financed recarga registration

POST /v1/topup-financing/requests openfinance

Starts a financed mobile top-up: operator, bag_id, recharge_amount and recarga_fee, returning pending_recarga_id until the recarga contract is signed.

Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.

operator
bag_id
phone_number
recharge_amount
recarga_fee
pending_recarga_id
contract_number
awaiting_contract

POST /v1/topup-financing/requests HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Content-Type: application/json

{
  "operator": "movistar",
  "bag_id": "bag_tigo_10",
  "phone_number": "+584121234567",
  "recharge_amount": 10.00,
  "recarga_fee": 0.50
}

{
  "pending_recarga_id": "rcg_55",
  "operator": "movistar",
  "bag_id": "bag_tigo_10",
  "recharge_amount": 10.00,
  "recarga_fee": 0.50,
  "contract_number": "ct_rec_55",
  "awaiting_contract": true
}

Device insurance info
GET /v1/insured-handsets/coverage openfinance
Reads insurance state for the financed handset: device_id / device_model, coveragePremium, pending_insurance_id and the is_stolen flag used by stolen-device verification.
Auth: Authorization: Bearer Firebase idToken plus X-Firebase-AppCheck; the sign-in session supplies session_id / sessionToken.
- device_id
- device_model
- device_object_id
- insurance_information
- pending_insurance_id
- coveragePremium
- is_stolen
```
GET /v1/insured-handsets/coverage HTTP/1.1
Authorization: Bearer <idToken>
X-Firebase-AppCheck: <appCheckToken>
Accept: application/json
```
```
{
  "device_id": "dev_aa11",
  "device_model": "Xiaomi 14",
  "device_object_id": "dobj_9",
  "insurance_information": {
    "pending_insurance_id": "ins_88",
    "coveragePremium": 12.50,
    "is_stolen": false
  },
  "is_stolen": false
}
```

Where teams use this data

Credit-line monitoring
Track availableCreditLine against credit_line, plus used_personal_loan_credit_line and reserved_personal_loan_credit_line, so a collections or credit-ops desk sees when Línea Krece headroom opens after a cuota posts.
Cuota and discount reconciliation
Match each payment_id’s due_date, installment_amount and overdue_payments with the percent_off / value_off from a promotion_code or pronto_pago discount, then confirm amount_paid and total_to_pay.
Onboarding and identity pipeline
Wire registration to KYC: identification_type / identification_number (cédula, RIF, RNC, DNI), document_photo, liveness_document_id and session_id from the liveness challenge, then keep identity_verified on the shopper record.
Catalog and insurance attach
Join allied-store catalog_id rows (device_model, device_price, down_payment, number_of_installments) to device-insurance coveragePremium and pending_insurance_id, including the is_stolen flag on the financed handset.

Frequently asked questions

Which balances and installment fields are included?

The credit overview includes credit_line and availableCreditLine, plus available, used and reserved personal-loan allowances. Installment records include payment_id, due_date, installment_amount, amount_paid and total_to_pay. Loyalty details include user_level and user_points.

How do discounts and repayment options appear in the data?

promotion_code and pronto_pago identify installment incentives, with percent_off, value_off and payment_amount describing their effect. Pago Móvil settlement uses amount_bs, phone_last4digits, reference_digits and otp; Kushki checkout uses payment_url, checkout_url and currency_code. Restructured overdue installments include projected_due_dates and new_total_pending_amount.

Which identity fields support onboarding integrations?

Shopper records use user_uuid with identification_type, identification_number and document_type. Document submission links document_photo and document_id to liveness_document_id, while face-check sessions use session_id and challenge_id. identification_match and identity_verified describe verification results.

What catalog, insurance and top-up information is covered?

Catalog entries include catalog_id, store_name, device_model, device_price, down_payment and financing_options. Device cover adds coveragePremium, pending_insurance_id, anexo_url and is_stolen. Financed top-ups include operator, bag_id, recharge_amount, recarga_fee and pending_recarga_id, with awaiting_contract showing whether the contract is still pending.

Apps similar to Krece

Cashea — Cashea is a Venezuelan buy-now-pay-later app that assigns a Línea de Compra, takes an upfront payment, and splits the rest into interest-free installments every 15 days at affiliated stores, including a phones catalog of Samsung, Xiaomi, Motorola and others.
CrediTotal — CrediTotal is Mundo Total's Venezuelan financing app, with interest-free biweekly plans from Bronce (50% down, 3 installments) to Diamante (0% down, 12 installments) for purchases at affiliated Mundo Total stores.
Rapikom — Rapikom is a Venezuelan online store (Rapikom, C. A.) that advertises Comprar a Plazos installment checkout and a Rapikom Línea Clásica purchase line.
Tu Zona Naranja — Tu Zona Naranja is a consumer-tech shopping app for latest-generation smartphones and accessories that advertises paying in installment cuotas.
Popclik — Popclik is a Venezuelan electronics retailer of cellphones, televisions and appliances that promotes in-store credit purchases of phones and other goods.
Addi — Addi is a Colombian consumer-credit app whose reusable Cupo can be repaid in up to 6 installments at more than 35,000 physical and online stores, with Crédito Grande stretching larger purchases to 24 installments.

More Lending apps

Topics

Krece API
Línea Krece credit balances
compra en cuotas
Pago Móvil installment fields
handset financing catalog
personal-loan allowance data
Seguros Caracas device cover
recarga financing data

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Krece cuota, credit-line and catalog data

Screenshots

API surface

User profile and credit line

Recalculate credit line

Allied store catalogs

User registration

Document identification

Liveness detection session

Personal loan registration v2

Apply discount code

Discounted payment schedule

Pago Móvil payment

Kushki checkout URL

Split overdue installments

Insurance quote

Financed recarga registration

Device insurance info

Data categories

Where teams use this data

Credit-line monitoring

Cuota and discount reconciliation

Onboarding and identity pipeline

Catalog and insurance attach

Frequently asked questions

Apps similar to Krece

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CASHe: Quick Personal Loan App

Topics

Need this app's data API integrated?

Krece cuota, credit-line and catalog data

Screenshots

API surface

User profile and credit line

Recalculate credit line

Allied store catalogs

User registration

Document identification

Liveness detection session

Personal loan registration v2

Apply discount code

Discounted payment schedule

Pago Móvil payment

Kushki checkout URL

Split overdue installments

Insurance quote

Financed recarga registration

Device insurance info

Data categories

Where teams use this data

Credit-line monitoring

Cuota and discount reconciliation

Onboarding and identity pipeline

Catalog and insurance attach

Frequently asked questions

Related apps

Apps similar to Krece

More Lending apps

BAF Mobile - Cicilan Pinjaman

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Topics

Need this app's data API integrated?