AI-Enabled Embedded Finance · Ethiopia
Credoks runs airtime advance, micro-lending, and earned wage access inside mobile networks and financial institutions — so a phone in anyone's hand becomes a working financial account.
Technology partnership
Services
Each service is scored, delivered and reconciled through the Credoks platform. Once a partner is live on one, adding the next is a configuration change — not a new integration project.
Subscribers obtain airtime, data, or voice minutes the moment their balance hits zero — repaid automatically on the next top-up. Credit risk sits with the service, not the network.
Explore the service →Real cash micro-loans disbursed straight to mobile wallets or bank accounts — instant approval, no paperwork, no branch visit, automated collection.
Explore the service →Salaried employees draw wages they have already earned, any day of the month, for a fixed fee — inside the bank app or wallet. Not a loan, no interest.
Explore the service →Platform capabilities
The engine behind every core service — real-time profiles from usage and transaction data, decisions in under a second. Also available to lenders by API.
Learn more →ContentKredit, BundleKredit, and Utility Advance on a multi-operator platform with anonymisation built in.
Learn more →Real-time, event-driven charging for voice, data, and content across prepaid, postpaid, and hybrid models.
Learn more →Value-added services Credoks also operates the Call Signature Service for mobile operators — a subscription VAS that lets callers present a personalised message before the call connects.
Most people excluded from credit are not un-creditworthy — they are un-scored. We use the data people already generate to open doors that paperwork keeps closed.
How it works
The platform integrates with the operator's or lender's core systems — charging, wallet, and CRM.
Every request is scored in real time from usage, recharge, and transaction behaviour.
Advances, loans, and premium services reach the customer over SMS, USSD, IVR, or wallet.
Recovery runs automatically on top-up or schedule, with full reconciliation back to the partner.
Who we serve
New revenue from advances, premium VAS, and real-time charging — with credit risk carried by the service, not the network.
Score and serve customers who have no bureau file — micro-loans, BNPL, and earned wage access under your own licence.
Embedded credit and advance products that raise wallet activity and keep balances moving.
News
The platform brings together credit scoring, airtime and data advances, micro-lending, and real-time charging as one deployment for operators and financial institutions.
The partnership pairs Credoks' local platform and operations with Simbrella's AI credit-scoring technology, proven with operators across 20 countries.
With mobile subscriptions past 57 million, Credoks is expanding its service lines for operators, banks, and MFIs.
Tell us about your subscribers or customers — we will bring the deployment path.