Credit Intelligence
Reasoned credit decisions for modern financial lives
Credit scoring wasn't built for today's economy
Legacy credit systems often fail to represent modern financial lives. Gig workers, self-employed professionals, and new arrivals face exclusion despite genuine creditworthiness—simply because their income patterns don't fit traditional models.
Auditable intelligence, not black-box scores
An agentic underwriter support system that produces reasoned, human-legible assessments—designed for governance from the ground up.
Open Banking Analysis
Deep contextual analysis of transaction patterns, cash flow cycles, and financial behaviors.
Reasoned Assessments
Human-legible rationales that explain the 'why' behind every recommendation.
Audit-Ready Outputs
Complete audit trails with policy controls built for regulatory reviewability.
Integration-First
API-driven architecture designed to work alongside existing lender systems.
From application to reasoned decision
Connect
Applicant authorizes Open Banking access for secure data retrieval.
Analyze
System examines cash flow patterns, income stability, and contextual factors.
Reason
AI generates a structured assessment with human-readable explanations.
Review
Lender receives audit-ready recommendation with full rationale trail.
What sets us apart
Governance by Design
Auditability and reviewability aren't afterthoughts—they're architectural requirements.
Privacy by Design
Minimal data exposure with careful handling of sensitive financial information.
Evaluation Discipline
Measurable performance with continuous monitoring and iteration frameworks.
Built for
Challenger banks and digital lenders
Credit unions and community lenders
BNPL ecosystem stakeholders
Designed to serve
Ready to see it in action?
Request a pilot to explore how this could work for your organization.
Request a Pilot