Banks and microfinance institutions cannot underwrite customers who have no credit bureau file, no payslip, and no collateral. Manual appraisal costs more than a micro-loan earns, so millions of creditworthy people are simply never served.
A live credit profile for every subscriber, built from mobile usage, recharge patterns, and transaction behaviour. Lending partners plug the score into micro-loans, BNPL, and SME products — and decide in under a second, at near-zero marginal cost.
Scores built from usage, recharge, wallet, and behavioural signals — no bureau file required.
Approve, price, and set limits programmatically in under one second.
Limits, cohorts, and early-warning indicators tuned continuously as repayment data flows back.
One engine behind airtime advances, cash micro-loans, BNPL, and SME financing.
| Decision time | Under one second |
| Data inputs | Mobile usage · recharge · transactions · behavioural signals |
| Products supported | Micro-loans · BNPL · SME financing · airtime advance |
| Integration | API-based, into operator and lender systems |
| Privacy | Data anonymisation built into the platform |
Tell us about your network or portfolio and we will come back with a concrete deployment path.