A cryptographically signed record of your Situ credit history — present this to any lender as portable proof of creditworthiness.
What's included
Loan applications
All applications, requested amounts, and products
Included
Credit decisions
Approved, declined, and conditional outcomes with dates
Included
Repayment record
On-time, late, and missed payments — full history
Included
SME score history
Score snapshots at each credit event
Included
Event log hash
SHA-256 of the event timeline up to generation date — tamper-evident
Included
Consent log
Record of every data-use consent granted or revoked
Included
What's not included
National ID number
Regulatory obligation — not embedded in portable documents (DPA §25)
Excluded
Bank account details
Disbursement accounts are masked; full details are never exported
Excluded
KRA PIN
Tax identifiers are not disclosed to third-party lenders
Excluded
Biometric or KYC document images
Never included in any portable export
Excluded
Generate your passport
Each generation produces a unique passport ID derived from your account and a timestamp, plus a SHA-256 signature of your event log. The passport is valid indefinitely but reflects your history at the time of generation.