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.
Get a Quick Security CheckRelated services and resources
Lending platform security testing draws on penetration testing for disbursement flow exploitation, API security testing for scoring engine and webhook endpoints, and authentication security for borrower identity verification. With FCCPC and NDPC increasing scrutiny, see our CBN compliance guide for regulatory context. Also see: digital banking and payment gateways.
Frequently asked questions
What security testing does a lending platform need before CBN licensing?
Before applying for a CBN lending license (MFB, money lending, or digital lending), you need at minimum an independent penetration test and vulnerability assessment covering your loan origination system, disbursement engine, repayment processing, and customer data handling. Our reports are structured to satisfy CBN examiner requirements.
How do you test for disbursement race conditions?
We use automated concurrent request tooling to fire dozens of simultaneous 'accept loan' requests against your disbursement endpoint. We verify whether your application uses pessimistic database locking on the loan state, whether the disbursement API is idempotent, and whether the ledger accurately reflects all disbursed amounts.
Can attackers manipulate credit scores through your API?
If your scoring engine relies on client-submitted data without server-side validation, yes. We test whether income parameters, employment data, or alternative data signals (like device metadata) can be spoofed in API requests to guarantee loan approval regardless of actual creditworthiness.
What borrower data protection risks do lending platforms face?
Lending platforms collect extremely sensitive PII — BVNs, NINs, bank statements, employer details, and next-of-kin information. We test for BOLA/IDOR flaws that could expose this data to other borrowers, and for insecure storage practices that would make a database breach catastrophic under NDPA regulations.