# Rong360 Open API MCP > 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. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** credit-scoring, kyc, identity-verification, risk-assessment, financial-data ## Description 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. ## Tools ### 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. ### verify_identity Confirms that the provided national ID card number matches the listed real name directly with authorities. ## Prompt Examples **Prompt:** ``` Verify the identity for the name 'Lu Han', ID Number 1101051990XXXXXXXX. ``` **Response:** ``` I've checked the KYC registry. The real name matches the ID card number perfectly. ``` **Prompt:** ``` Generate a credit score report for phone 13912345678 and ID 310115XXXX. ``` **Response:** ``` The Rong360 credit system returns a score of 620. No loan defaulting history was detected, but multiple micro-loan inquiries were made in the last 30 days. ``` ## Capabilities ### Run full KYC checks The agent verifies a national ID number and matches it to the provided legal name. ### Assess financial risk profile It calculates a consumer credit score using big data, identifying potential loan default risks. ### Verify identity with biometrics The system performs facial recognition matching between a live scan and an official government ID. ### Validate phone ownership You confirm that a specific mobile number is officially registered to the user's name in the carrier database. ## 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. ## Benefits - It moves you beyond simple data checks. By combining `verify_identity` with `validate_mobile_number`, your agent builds a verifiable chain of custody around the user's identity. - Stop guessing on risk. Use `check_credit_score` to instantly evaluate consumer loaning scores and spot potential defaulting behaviors before they happen. - Biometric security is simple. The `detect_face` tool 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_number` confirms 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. ## How It Works The bottom line is: you feed it raw user data, and it spits out actionable compliance metrics. 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. ## Frequently Asked Questions **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.