Environments

Creditas provides separate environments so you can validate your integration before sending real applications. Credentials and tokens belong to one environment and are not interchangeable.

Environment	Authentication endpoint	Auto Financing base URL
Staging	https://auth-staging.creditas.com.br/api/affiliate_clients/tokens	https://stg-api.creditas.io/mx/b2b/autofin
Production	https://auth.creditas.com.br/api/affiliate_clients/tokens	https://api.creditas.io/mx/b2b/autofin

Documented resources append their path to the Auto Financing base URL. For example, creating a lead in staging uses:

https://stg-api.creditas.io/mx/b2b/autofin/api/leads

Staging

Use staging to develop and validate the complete flow. This environment preserves the integration rules and validations, but it must not be used with real customer information.

• Use staging credentials only.
• Work with the test data specified in the documentation.
• Validate approved, rejected, and manual-review scenarios before certifying the integration.

Production

Use production only after completing the validations agreed with Creditas.

• Change both the authentication endpoint and the Auto Financing base URL.
• Load production credentials from your secrets manager.
• Avoid logging request bodies, tokens, or personal information.

Do not mix environments

A token generated in staging does not work in production and vice versa. Keep URLs, credentials, and tokens separate in your configuration.

Continue to Authentication to generate a token for the selected environment.