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# 4.3 Data Sources and Ingestion

Credit Express is built to work with multiple categories of data sources, but the ingestion pattern follows the same principles regardless of origin. All access begins with explicit user authorization. Where third-party banking or financial APIs are involved, Credit Express acts only as a client on behalf of the user, never as a silent background collector. Data request scopes are intentionally narrow, and the system prefers read-only access wherever possible.

Once data enters the platform, it passes through several steps. First, structural validation ensures that fields are present, correctly typed, and within expected ranges. Second, mapping routines align provider-specific schemas into an internal canonical form, so that downstream models can work on consistent fields rather than a proliferation of provider-specific variants. Third, sensitivity-aware tagging is applied, marking which fields are considered highly sensitive, moderately sensitive, or safe for derived use only. This tagging influences where and how data is stored, and which services may access it.

The ingestion flow is designed to be resilient to partial failure. If a particular provider is temporarily unavailable, the system continues to operate on the last known state, clearly indicating to the user that new data has not yet arrived rather than silently masking the gap. This approach protects the integrity of insights and avoids giving a false sense of real-time coverage where it does not exist.


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