Exploits in the credit lifecycle
We look at the complete loan lifecycle—from initial data gathering and scoring through disbursement, repayment, and collection integrations.
Credit engineering & scoring bypass
Can a user manipulate the data sent to the scoring engine? We test if parameters like income, alternative data sources, or identity markers can be spoofed in API requests to guarantee approval.
Disbursement race conditions
The most lucrative exploit in lending. If a user approves a loan offer 10 times simultaneously, does the system disburse 10 times but only book one loan on the ledger? We test these boundaries.
Repayment manipulation
Testing logic flaws in how payments are reconciled. Can negative values be used? Can an attacker replay a single success webhook from Paystack/Flutterwave to clear multiple loan balances?
Customer data & privacy
Lenders hold massive amounts of sensitive PII (bank statements, BVNs, next-of-kin data). We test for object-level authorization (BOLA/IDOR) flaws that could lead to mass data leaks.
Concurrent disbursement exploit
The loan approval endpoint lacked a pessimistic lock on the user's application state. An attacker firing off 20 parallel "accept loan" requests received 20 disbursements to their bank account, while the platform only recorded a single loan liability. Fix priority: immediate.
Protecting capital and compliance
With the FCCPC and NDPC increasing scrutiny on digital lenders in Nigeria, data breaches and process failures carry heavy regulatory penalties. Our reviews help secure your capital and prove due diligence.
Ensure attackers can't manipulate your loan decisions.
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