The record of who owes what, kept straight for every lender in Tonga.
TmpTech Credit Bureau is the national ledger member institutions submit trade lines and pull enquiries against — one credit history per subject, one API to integrate, and an audit trail on every read.
Six things a national bureau has to get right
Everything below is the same platform every member institution's credit decisions run on — not a separate tier, not a roadmap.
Comprehensive credit data
Complete profiles — trade lines, payment history, enquiries and credit scores — for individuals and businesses alike.
Real-time API access
Submit and retrieve via REST, with batch support up to 500 trade lines per request, webhooks, and rate limiting.
Bank-grade security
API token auth, role-based access control, row-level permissions, full audit logging, encrypted sensitive fields.
Automated GL accounting
Integrated ERPNext accounting — automated journal entries, fee ledgers, receivables tracking, live financial reports.
Smart alerts & monitoring
Configurable alerts for delinquency, fraud flags and compliance issues, with automated notifications to the right desk.
Regulatory compliance
Built for NRBT requirements — submission-timeliness tracking, audit trails, and standardised reporting formats.
Membership tiers
One rate card, three tiers. Every tier carries the same enquiry and submission access — the difference is the annual fee and the per-unit rate that comes with it.
| Fee | Platinum | Gold | Silver |
|---|---|---|---|
| Annual Membership Fee Billed annually | T$5,000.00 | T$3,500.00 | T$1,500.00 |
| Enquiry Fee Per enquiry | T$2.50 | T$3.00 | T$5.00 |
| Submission Fee Per trade line submitted | T$1.25 | T$1.50 | T$2.50 |
Integrate once, file with confidence
Every response is validated, traceable and rate-aware — built so a submission either lands cleanly or fails loud, never quietly.
- OpenAPI 3.0 / Swagger documentation
- Batch submissions — 500 trade lines per request
- Real-time validation with detailed, row-level errors
- Submission history & status tracking
- Rate limiting with configurable tiers
- IP whitelisting & audit logging
{
"status": "accepted",
"submission_id": "SUB-2026-04182",
"reporting_period": "2026-03",
"received": 500,
"accepted": 498,
"rejected": 2,
"errors": [{
"row": 184,
"field": "national_id",
"message": "Checksum failed"
}]
}Ready to join the register?
Partner with Tonga's national credit information system. Contact our team to begin onboarding your institution.