CredAI
Credit decisions in seconds, even without credit history
Credit decisions built on the data people actually generate — card, payment, e-commerce, and phone activity — instead of thin bureau files. Returns an explainable score and offer in under three seconds.
Aisha Rahman
ConsumerBorrower 360
Score
682 / 1000
Latest Decision
APPROVEDScore
682
Confidence
85%
Suggested APR
15.2%
Credit Limit
12,500 QAR
Alternative Data (90-day)
Card
24,998 txns
Payments
11,157
E-comm
10,789
Telco
142 rec · 2.8 yrs
Key Signals
- Net cashflow+5.2K QAR
- Telco tenurestrong
- Chargeback rate8%
- Stability index76/100
Millions of creditworthy people have no useful credit history. The data that proves they can pay exists — most lenders just can't use it.
Digital lenders, fintech platforms, and banks in emerging markets serving consumers and small businesses with limited formal credit history — underwriters, product, compliance, and collections teams.
The full picture
Score the underbanked on the data they actually have.
- Combines card, payment, e-commerce, phone, and bank data into one live risk profile.
- Returns Approve / Review / Decline, a 0–1000 score, a suggested APR, and a credit limit in under three seconds.
- Every decision comes with a plain explanation, reason codes, and what the borrower can do to qualify.
- See full borrower profiles, watch portfolio health, and roll out new lending rules without downtime.
From input to audit trail.
Ingest
Pull card, phone, and payment activity into one stream.
Compute
Measure cash flow, stability, and refund patterns over the last 90 days.
Decide
Score, apply your rules, optionally refine with AI, and write the explanation.
Offer
Output the outcome, APR, and limit with a full, auditable decision report.
What it does.
Sub-3s Decisions
Returns approve / review / decline with a 0–1000 score in under three seconds.
Everyday-Data Scoring
Turns card, payment, e-commerce, phone, and bank activity into one risk profile.
Explainable Scoring
Every decision includes a written explanation, reason codes, and ways to improve eligibility.
Policy + AI Engine
Your lending rules come first, with optional AI refinement on top.
Borrower 360
Unified profiles: live score, cashflow summary, stability index, and decision history.
Portfolio & Policy
Watch approval rates and volumes; update and switch lending rules without downtime.