API MIA KAPITAL

POST https://api.miakapital.com/api/auth/register

{
  "email":       "vous@entreprise.com",
  "password":    "MotDePasse1Securise",
  "fullName":    "Kofi Mensah",
  "companyName": "SARL Mensah & Co",
  "country":     "Bénin",
  "sector":      "commerce"
}

{
  "success":      true,
  "data": {
    "accessToken":  "eyJhbGciOiJIUzI1NiIsInR5...",  // Valide 15 minutes
    "refreshToken": "eyJhbGciOiJIUzI1NiIsInR5...",  // Valide 7 jours
    "user": {
      "id":    "usr_01HXYZ...",
      "email": "vous@entreprise.com"
    }
  }
}

POST https://api.miakapital.com/api/score
Authorization: Bearer <accessToken>

{
  "companyName":      "SARL Mensah & Co",
  "country":          "Bénin",
  "sector":           "commerce",
  "fiscalYear":       2024,
  "revenue":          85000000,
  "netIncome":        6970000,
  "totalAssets":      120000000,
  "totalLiabilities": 46000000,
  "cash":             15000000,
  "cogs":             61200000
}

const response = await fetch('https://api.miakapital.com/api/score', {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'Authorization': `Bearer ${accessToken}`
  },
  body: JSON.stringify({
    companyName:      'SARL Mensah & Co',
    country:          'Bénin',
    sector:           'commerce',
    fiscalYear:       2024,
    revenue:          85_000_000,
    netIncome:        6_970_000,
    totalAssets:      120_000_000,
    totalLiabilities: 46_000_000,
    cash:             15_000_000,
    cogs:             61_200_000
  })
});
const data = await response.json();

import requests

response = requests.post(
    "https://api.miakapital.com/api/score",
    headers={"Authorization": f"Bearer {access_token}"},
    json={
        "companyName":      "SARL Mensah & Co",
        "country":          "Bénin",
        "sector":           "commerce",
        "fiscalYear":       2024,
        "revenue":          85_000_000,
        "netIncome":        6_970_000,
        "totalAssets":      120_000_000,
        "totalLiabilities": 46_000_000,
        "cash":             15_000_000,
        "cogs":             61_200_000,
    }
)
data = response.json()

// Requête
{ "refreshToken": "eyJhbGci..." }

// Réponse 200
{
  "accessToken":  "eyJhbGci...",
  "refreshToken": "eyJhbGci..."  // Nouveau token — invalide l'ancien
}

{
  "success": true,
  "data": {
    "id":           "ana_01JXYZ...",
    "rawScore":     68.42,      // Score sur 100
    "grade":        "A",         // A+ | A | B+ | B | C | D
    "gradeLabel":   "Très bon — Risque faible",
    "zone":         "UEMOA",      // UEMOA | CEMAC | OHADA_OUT
    "ratios": {
      "netMargin":    0.082,    // Marge nette (pondération 25%)
      "grossMargin":  0.280,    // Marge brute (15%)
      "debtRatio":    0.383,    // Ratio d'endettement (20%)
      "currentRatio": 1.65,     // Liquidité courante (20%)
      "roa":          0.058,    // Rentabilité des actifs (10%)
      "workingCapital":28970000  // Fonds de roulement en FCFA (10%)
    },
    "certificate": {
      "id":        "CERT-BJ-2024-0087",
      "status":    "VALID",
      "verifyUrl": "https://verify.miakapital.com/ana_01JXYZ...",
      "pdfUrl":    "https://api.miakapital.com/api/score/ana_01JXYZ.../pdf"
    },
    "createdAt":    "2024-11-15T09:42:31.000Z"
  }
}

{
  "url":    "https://votre-systeme.com/hooks/mia",
  "events": ["score.completed", "certificate.issued"],
  "secret": "votre_secret_hmac_sha256"  // Pour vérifier la signature
}

import crypto from 'crypto';

function verifyWebhook(body, signature, secret) {
  const expected = 'sha256=' +
    crypto.createHmac('sha256', secret)
           .update(body)
           .digest('hex');
  return crypto.timingSafeEqual(
    Buffer.from(expected),
    Buffer.from(signature)
  );
}