Introduction

ERIP is a continuous European filing intelligence engine focused on credit risk deterioration detection. Not dashboards, generic AI summaries, or retail stock tips. A structured, auditable, API-first risk monitoring system for institutional buyers.

The Problem

There is no single EDGAR-equivalent in Europe. Critical risk signals are buried across national repositories, regulatory filings, and debt disclosures:

• UK - Companies House (accounts, charges, confirmation statements)
• Germany - Unternehmensregister / Bundesanzeiger
• EU - ESEF filings (iXBRL structured IFRS data)
• Cross-border - OAM disclosures, covenant amendments, auditor language changes

Credit deterioration appears first in filings - shrinking covenant headroom, auditor language changes, refinancing risk - not in stock price. Today this is manually reviewed, hard to monitor at scale, and inconsistent across jurisdictions.

What the API Delivers

Provenance-First

Every signal includes filing source, section reference, page number, before/after diff, extracted excerpt, confidence score, and model version. Auditable, reproducible, defensible.

Who It's For

ERIP is B2B. Every customer is a tenant - a firm, desk, or team - that provisions its own members and shares a credit pool. Typical tenants:

• Private credit funds
• Special situations / distressed investors
• Trade credit insurers
• SME lenders and factoring firms
• Regional banks

There is no public self-registration. New tenants are provisioned by ERIP platform administrators; the first admin of a new tenant receives an invite email and subsequent teammates are added from within the tenant itself. See Tenants & Members for the full lifecycle.

Quick Start

1. Accept your invitation

When a tenant is provisioned, ERIP emails the first admin a one-time invite link of the form:

https://api.erip.io/v1/auth/accept-invite?token=…

Opening the link activates your account and triggers a magic-link login email. Click that, and you land on a JWT session valid for 60 minutes.

If you already have an active account, you can request a fresh login link:

curl -X POST https://api.erip.io/v1/auth/request-login-link \
  -H "Content-Type: application/json" \
  -d '{"email": "you@yourfund.com"}'

2. Create an API key

With the JWT from the magic-link verify step, mint a long-lived API key:

curl -X POST https://api.erip.io/v1/auth/api-keys \
  -H "Authorization: Bearer YOUR_JWT_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"name": "Production Key"}'

Store the returned raw key securely - it is shown only once.

3. Query companies

curl 'https://api.erip.io/v1/companies/search?name=Rolls%20Royce' \
  -H "X-Api-Key: erip_YOUR_API_KEY"

Each response includes X-Credits-Remaining and X-Credits-Cost headers so you can track the tenant's usage.

Next Steps