Rong360 Open API MCP. Instant KYC and Credit Risk Assessment for Agents
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Rong360 Open API gives your agent deep access to Chinese financial big data. It executes full KYC checks, verifies national IDs against real names, calculates consumer credit scores, and matches facial scans to government documents.
Use it when you need instant, high-stakes identity validation for finance or security.
What your AI agents can do
Check credit score
Generates a big data credit score and financial profile for an individual.
Detect face
Performs facial recognition matching by comparing a user's face to their official government ID photo.
Validate mobile number
Checks the carrier database to confirm if a mobile phone number is officially registered under a specific name.
The agent verifies a national ID number and matches it to the provided legal name.
It calculates a consumer credit score using big data, identifying potential loan default risks.
The system performs facial recognition matching between a live scan and an official government ID.
You confirm that a specific mobile number is officially registered to the user's name in the carrier database.
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Rong360 Open API: 4 Tools for Financial Risk Checks
These tools let your agent execute four core operations: checking credit scores, validating mobile numbers, verifying identity, and matching faces to IDs.
019d8479check credit score
Generates a big data credit score and financial profile for an individual.
019d8479detect face
Performs facial recognition matching by comparing a user's face to their official government ID photo.
019d8479validate mobile number
Checks the carrier database to confirm if a mobile phone number is officially registered under a specific name.
019d8479verify identity
Confirms that the provided national ID card number matches the listed real name directly with authorities.
Choose How to Get Started
Build a custom MCP for your own tools, or connect a ready-made integration from our catalog.
Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
- Import from OpenAPI, Swagger, or YAML specs
- Create Agent Skills with progressive disclosure
- Deploy to edge with MCPFusion framework
- Built in DLP, auth, and compliance on every call
- Real time usage dashboard and cost metering
- Publish to catalog or keep private
Make Your AI Do More
Start with Rong360 Open API, then connect any of our 4,700+ other servers whenever your AI needs more. One click, no limits.
- Use this MCP plus 4,700+ others, all in one place
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- Works with Claude, ChatGPT, Cursor, and more
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What you can do with this MCP connector
Rong360 gives your agent deep access to Chinese financial big data, letting you run intense background checks and calculate credit risk straight up. You don't need complex RSA algorithms or a ton of setup just to get verified identity information.
When you connect your AI client to this MCP server, you gain four core capabilities for high-stakes validation. Here’s what each tool lets your agent do:
Full Identity Verification:
Use the verify_identity tool when you need absolute proof that an individual's national ID card number matches their listed real name. This function works directly with authorities to confirm this match, giving you immediate validation of identity records. It confirms that the data provided—the ID number and the legal name—are tied together correctly in official government databases.
You won't get a fuzzy answer; it tells you if they match or not.
Assessing Financial Risk:
To figure out how risky a loan might be, run check_credit_score. This tool generates a comprehensive big data credit score and a full financial profile for any individual. It doesn't just give you a number; it helps identify potential patterns of default risk using massive datasets. You get a clear picture of the person’s financial health right out of the gate, which is critical when making lending decisions.
Biometric Identity Matching:
For an extra layer of security, use detect_face. This tool performs facial recognition matching by comparing a live scan of a user's face against their official government ID photo. It's not just a picture comparison; it’s a biometric match that confirms the person presenting themselves is who they claim to be according to state documents.
You can rely on this for high-security verification.
Confirming Phone Ownership:
When you need to know if a phone number belongs to the person claiming it, call validate_mobile_number. This function checks the carrier database to confirm that the specific mobile phone number is officially registered under the user's name. It solidifies ownership and stops fraud where people use fake or unlinked numbers.
You can run full KYC checks by combining these tools: you verify a national ID using verify_identity against the provided legal name, then assess their financial risk profile with check_credit_score, confirm who they are biometrically using detect_face, and make sure their communication channel is legit by calling validate_mobile_number. Your agent gets instant, actionable data for finance or security checks.
You'll never have to wait on manual verification again.
How Rong360 Open API MCP Works
- 1 First, subscribe to the server and get your credentials. You need your App ID and RSA Private Key from the Rong360 Open Platform.
- 2 Second, call a specific tool (like
verify_identity) via the MCP console, passing in the required data (ID number, name, etc.). - 3 Third, the server processes the request against the big data hub and returns the verification result—a pass/fail status or a credit score.
The bottom line is: you feed it raw user data, and it spits out actionable compliance metrics.
Who Is Rong360 Open API MCP For?
This kit is for high-stakes operations. Think Fintech Underwriters who need to pre-screen loan risk before a human ever looks at the file. It's also critical for P2P Marketplaces that must instantly detect scammers, or Security Teams building robust vetting pipelines for new accounts.
You use check_credit_score and verify_identity to automatically process preliminary credit evaluations, letting your team focus only on the riskiest files.
You run validate_mobile_number and facial matching (detect_face) to cross-reference user profiles against known fraud patterns before account activation.
Your agent executes multi-step workflows, combining identity checks with carrier validation to build a complete risk profile for high-value clients.
What Changes When You Connect
- It moves you beyond simple data checks. By combining
verify_identitywithvalidate_mobile_number, your agent builds a verifiable chain of custody around the user's identity. - Stop guessing on risk. Use
check_credit_scoreto instantly evaluate consumer loaning scores and spot potential defaulting behaviors before they happen. - Biometric security is simple. The
detect_facetool matches a live facial scan directly against a government ID, eliminating manual comparison steps. - You don't have to trust the input data. Running
validate_mobile_numberconfirms if the phone number belongs to the user who claims it does. - The process is modular. You can run identity verification (
verify_identity) and credit scoring separately or together, building specific workflows for different risk levels.
Real-World Use Cases
Onboarding a high-value client
A security team needs to approve an account. The agent first runs verify_identity to confirm the name and ID. Next, it calls detect_face to match a photo provided by the user against their ID. Finally, it uses check_credit_score to ensure financial stability before giving approval.
Checking for P2P fraud
A marketplace needs to vet a new seller. The agent runs validate_mobile_number first to confirm the phone belongs to the name provided, then uses verify_identity to cross-reference that name with official records. This flags suspicious accounts quickly.
Loan pre-screening
An underwriter needs a quick risk assessment. The agent takes an ID number and calls check_credit_score. It gets a score and notes on defaulting history, allowing the human reviewer to focus only on scores below their threshold.
Disputing account ownership
A fraud department suspects a compromised account. They use detect_face and pair it with verify_identity. If the face doesn't match the ID, or if the name is fake, they can immediately freeze the account.
The Tradeoffs
Assuming one check is enough
Just calling verify_identity because you think a name match is sufficient. This only confirms the ID/Name pairing, not financial standing or physical presence.
→
You need to stack checks. Always follow up verify_identity with check_credit_score and ideally run facial matching using detect_face for maximum assurance.
Using outdated data
Manually checking if a phone number is associated with an account. This is slow, requires multiple databases, and can miss official registration updates.
→
Use validate_mobile_number. It queries the carrier's registry directly to confirm ownership status against the provided name.
Ignoring biometrics
Trusting a photo submission without verifying it. A fake ID or manipulated image is easily passed if only text verification is used.
→
Always use detect_face. It forces the comparison between a live biometric input and the official government ID, adding a critical layer of security.
When It Fits, When It Doesn't
Use this server if your core problem involves verifying complex compliance details—specifically identity (KYC) or financial risk. You need to know if someone is who they say they are, and how stable their finances are.
Don't use it if you just need simple data retrieval, like pulling a person's email address from a CRM record. For that, you'd need a general database lookup tool, not a compliance API. Also, don't rely on it for legal advice; the tools provide raw metrics (like scores or matches), which your human team must interpret.
This suite is strongest when combining verify_identity with detect_face, as that covers both document and biometric validation simultaneously.
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Rong360. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.
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Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This server provides 4 capabilities that interface natively with Claude, ChatGPT, Cursor, and any MCP client. No middleware. No custom integration required.
Available Capabilities
Manual KYC checks are a multi-step, error-prone nightmare.
Right now, onboarding a new client means someone has to manually cross-reference three things: the ID card number against the name in one system, then confirming the phone number belongs to that person in a second system, and finally running a credit check through a third. It’s clicks, tabs, and spreadsheet merges.
With this MCP server, your agent handles it all. You give it the inputs; the agent runs `verify_identity`, calls `validate_mobile_number`, and hits `check_credit_score`. The result is one clean JSON object with a pass/fail status across every required check.
Rong360 Open API MCP Server: Identity Verification
Before, matching a photo to an ID was done by highly trained staff using proprietary software. If the angle was off or the lighting changed, the review failed. It was slow and required manual escalation.
Now, your agent executes `detect_face`. You provide the image and the ID details, and it runs the match against its big data hub. The answer is instant: Match/No Match. Period.
Common Questions About Rong360 Open API MCP
Does Rong360 Open API MCP Server verify real names using `verify_identity`? +
Yes, it verifies the national ID card number against a provided real name directly with authorities. This ensures the identity matches official records.
What is the best tool for checking credit history? Use `check_credit_score`. +
check_credit_score generates a big data profile and score, giving you insight into loaning behavior. It's designed to identify defaulting patterns instantly.
How do I confirm phone ownership using `validate_mobile_number`? +
validate_mobile_number checks the carrier's database to see if a specific mobile number is officially registered under the user's name. It confirms true ownership.
Can I use facial recognition with `detect_face`? What data do I need? +
Yes, detect_face performs matching between a live scan and a government ID photo. You provide both the image and the associated ID details for comparison.
How do I set up secure access for `verify_identity`? +
You must first subscribe to the server and input your credentials. The system requires both your App ID and a private RSA key; these keys authenticate your connection through the MCP console.
If I run many calls, how does `check_credit_score` handle rate limits? +
Rate limiting is managed by Vinkius. If you hit a limit, check the error response codes. You'll need to implement exponential backoff logic in your agent when retrying requests.
What specific details does `check_credit_score` return besides the final score? +
The tool provides detailed risk context, not just a number. Results include detected loan defaulting behaviors and counts of recent micro-loan inquiries, giving full historical visibility.
For accurate use of `detect_face`, what type of ID data should I provide? +
You need to supply the user's valid national ID number. The tool compares this specific government identifier against a face scan to perform the necessary matching.
How is the RSA signature handled? +
Rong360 APIs typically require generating a strict base64 signature for each URL. This MCP server entirely abstracts that operation. You just securely paste your pkcs8 Private Key once during setup, and the agentic execution environment automatically handles URL signing on each outgoing LLM request.
Use it with your favorite AI tools
Connect this server to Cursor, Claude, VS Code, and more.
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