Plutus Financial Group Ltd

API Integration System*

Choco Up’s platform integrates a wide range of customer data—including, but not limited to, sales and marketing metrics, cash flow details, payment records, and accounting information—to power up predictive modeling and support robust credit decision-making. The incorporation of alternative data enhances Choco Up’s ability to assess customer resilience, monitor business health, and deliver tailored financing solutions. Many of the digital merchants that Choco Up works with operate via online e-commerce platforms and payment gateways. Upon signing up for funding, they authorize us to access store level data, including, but not limited to, sales volume and average order value, via a direct application programming interface (API) plug-in integrated with their respective platforms. Through the API integration system, calculations and fund deductions are performed in real time basis based on actual revenue inflows. Continuous access to operational data allows us to track merchant growth, identify early signals of risk, and optimize financing strategies dynamically.