Keep every subscriber connected — even at zero balance

An advance of airtime, data bundles, or voice minutes, granted in under a second and recovered automatically on the next recharge. The operator gains usage and loyalty; the subscriber never drops off the network.

The problem

A prepaid subscriber who hits zero balance goes silent: calls stop, data stops, and the operator loses revenue until the next top-up — often days later. In cash-based markets, that lost usage compounds across tens of millions of subscribers.

With Credoks

Eligible subscribers receive an instant advance matched to their individual score, keeping voice and data revenue flowing. Recovery happens automatically at the next recharge, and the operator's credit risk is fully covered by the service structure.

What the service delivers

Sub-second decisioning

Every request is scored in real time against the subscriber's usage and recharge behaviour — no forms, no waiting.

Every channel a subscriber has

SMS, USSD, and IVR access — built for feature phones and smartphones alike, with no app required.

Full bad-debt cover for the operator

The commercial structure places recovery risk with the service, not the operator.

Penetration up to 90%

Individualised limits and denominations drive adoption across the base, reaching peak service penetration rates of up to 90%.

At a glance

Delivery channels	SMS · USSD · IVR
Decision time	Under one second
Advance types	Airtime · data bundles · voice minutes
Recovery	Automatic, on next top-up
Risk model	AI behavioural scoring, individual limits per subscriber

Bring this service to your subscribers

Tell us about your network or portfolio and we will come back with a concrete deployment path.

Talk to Our Team